1995 Ford Contour Car Insurance Rates – 6 Discounts for Cheaper Quotes

Wish you could get out of an underperforming, overpriced car insurance policy? It’s quite common and many consumers are feeling buyer’s remorse and feel like there’s no way out.

Having so many companies to choose from, it can be challenging to locate the lowest cost company.

It’s a good habit to compare prices quite often because insurance rates are constantly changing. If you had the lowest rate for Contour coverage at your last renewal the chances are good that you can find a lower price today. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to how to use the internet to find great coverage at a great price.

Car Insurance Discounts

Car insurance is expensive, but there could be available discounts that may help make it more affordable. Certain reductions will be credited when you purchase, but some discounts are required to be requested specifically before they will apply. If you don’t get every credit you qualify for, you’re just leaving money on the table.

• Good Students Pay Less – A discount for being a good student may save as much as 25% on a car insurance quote. Most companies allow this discount until age 25.
• Active Service Discounts – Being on active deployment in the military could qualify you for better rates.
• Discount for Low Mileage – Low annual miles could qualify for lower prices due to less chance of an accident.
• Early Signing – Some larger companies give discounts for switching to them before your current expiration date. You could save around 10% when you buy car insurance online.
• Theft Deterent – Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
• Federal Government Employee – Active or retired federal employment can save as much as 8% for Contour coverage but check with your company.

Please keep in mind that many deductions do not apply the the whole policy. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like adding up those discounts means a free policy, you won’t be that lucky.

To choose insurance companies with the best car insurance discounts, click this link.

Tailor your insurance coverage coverage to you

When it comes to buying the best insurance coverage coverage for your personal vehicles, there is no “best” method to buy coverage. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions may help highlight whether or not you could use an agent’s help.

• What are the best liability limits?
• If I drive on a suspended license am I covered?
• Do I pay less if my vehicle is kept in my garage?
• Do I have newly-aquired coverage?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• What if I don’t agree with a claim settlement offer?
• Should I put collision coverage on all my vehicles?
• Are rental cars covered under my policy?
• Will I be non-renewed for getting a DUI or other conviction?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.

Auto insurance coverages

Learning about specific coverages of your policy can help you determine appropriate coverage at the best deductibles and correct limits. Insurance terms can be impossible to understand and reading a policy is terribly boring. Listed below are the usual coverages offered by insurance companies.

Liability coverages – This coverage will cover damages or injuries you inflict on people or other property. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims like loss of income, repair bills for other people’s vehicles, medical expenses and legal defense fees. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and damage to your Ford Contour.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like colliding with a tree, hitting a mailbox, crashing into a ditch, crashing into a building and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like rehabilitation expenses, EMT expenses and nursing services. They are utilized in addition to your health insurance program or if you lack health insurance entirely. It covers you and your occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverage – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hail damage, hitting a bird, damage from a tornado or hurricane, falling objects and damage from flooding. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

At the end of the day…

When you buy car insurance online, you should never buy lower coverage limits just to save a few bucks. Too many times, someone sacrificed collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy enough coverage at the lowest possible cost and still be able to protect your assets.

You just learned many ideas to get a better price on 1995 Ford Contour insurance. The key concept to understand is the more times you quote, the better your chances of lowering your rates. Consumers could even find that the best prices are with a small mutual company. These smaller insurers may often insure only within specific states and give getter rates compared to the large companies like State Farm, Geico and Nationwide.

Additional detailed information can be read in these articles:

• Medical Payments Coverage (Liberty Mutual)
• Think You’re a Safe Driver? (State Farm)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Liability Insurance Coverage (Nationwide)
• Event Data Recorders FAQ (iihs.org)
• Vehicle Insurance in the U.S. (Wikipedia)