Cheap 1996 Ford Contour Car Insurance Cost

Nobody I know anticipates paying for insurance, in particular when they could find better prices if they shop around.

Numerous auto insurance companies battle for your hard-earned dollar, and because of this it can be hard to compare auto insurance companies and get the best coverage at the lowest rate

If you have car insurance now, you will most likely be able to reduce your rates substantially using this information. Choosing the best insurance company for you is not rocket science. Although vehicle owners need to learn the methods companies use to sell insurance online and take advantage of how the system works.

How you can control Ford Contour insurance costs

Lots of factors are taken into consideration when pricing auto insurance. Some are obvious like your driving record, but other criteria are less obvious such as your marital status or your vehicle rating.

• Incidental coverages that aren’t used – There are many additional coverages that can add up on your 1996 Contour policy. Insurance for vanishing deductibles, accident forgiveness, and membership fees may be wasting your money. The coverages may be enticing when discussing your needs, but your money might be better spent on other coverage so eliminate them to save money.
• Save miles driven and save money – The higher the miles on your Ford in a year’s time the higher your rate. Almost all companies charge to insure your cars based upon how the vehicle is primarily used. Cars that are left in the garage can be on a lower rate level than those that get driven frequently. An improperly rated Contour may be costing you higher rates. It’s always a good idea to double check that your declarations sheet properly reflects the correct usage, because improper ratings can cost you money.
• Adjust deductibles and save – Protection for physical damage, aka comp and collision, protects your Ford from damage. Examples of some claims that would be covered are a broken windshield, hail damage, and burglary. Your deductibles are the amount of money you are required to spend out-of-pocket if a claim is determined to be covered. The larger the amount you’re willing to pay, the bigger discount you will receive on Contour coverage.
• Save money by having multiple policies – Most major companies will award a discount to clients who have multiple policies with them such as combining an auto and homeowners policy. Discounts can add up to as much as ten percent or more Even if you qualify for this discount already, drivers will still want to get quotes from other companies to guarantee you are still saving the most. Consumers may save even more than the discount by buying insurance from more than one company.
• Never let your car insurance lapse – Driving any period of time without insurance is a misdemeanor and you may have a hard time finding new coverage because you let your insurance lapse for non-payment. Not only will you pay higher rates, being ticketed for driving with no insurance will get you fines or a revoked license. You may have to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
• Poor credit decisions can cost you – Credit score can be a huge factor in calculating your premium rate. If your credit rating is lower than you’d like, you could be paying less to insure your 1996 Ford Contour by improving your rating. Drivers who have high credit ratings tend to file fewer claims than those with poor credit.
• Responsible drivers pay less – Having a clean driving record influences premium rates substantially. Drivers with clean records pay less for auto insurance as compared to those with violations. Having just one speeding ticket or other violation can increase the cost of insurance by as much as thirty percent. Drivers who have gotten flagrant tickets like DUI or reckless driving may need to complete a SR-22 with their state’s licensing department in order to prevent their license from being revoked.

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How to lower your car insurance cost

Comparing car insurance rates can be exhausting if you don’t utilize the most efficient way to do it. You can spend countless hours talking to local insurance agents in your area, or you can stay home and use the internet to get prices fast.

All the larger companies participate in a marketplace where insurance shoppers only type in their quote data once, and at least one company returns a competitive quote based on that data. This saves time by eliminating quotation requests for every car insurance company.

To submit your quote information now, click here to start a free quote.

One minor caviat to using this type of system is you can’t choose the providers to get pricing from. So if you prefer to choose individual companies to compare prices, we have a page of companies who write car insurance in your area. View list of insurance companies.

Which method you use is up to you, but be certain you are entering nearly identical quote data on every quote. If you have different deductibles it will be impossible to truly determine the lowest rate. Quoting even small variations in limits can mean a large discrepancy in price. Just remember that comparing a large number of companies helps improve the odds of finding lower pricing.

Use discounts to get cheaper insurance quotes

Car insurance companies don’t always list every possible discount very well, so the following is a list of some of the best known in addition to some of the lesser obvious credits that you can use to lower your rates. If you do not double check each discount you deserve, you may be paying too high a price.

• Discount for Good Grades – A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
• Theft Prevention System – Anti-theft and alarm system equipped vehicles help deter theft so companies will give you a small discount.
• E-sign – A few larger online companies will discount your bill up to fifty bucks shop insurance coverage on the internet.
• Bundled Policy Discount – If you can bundle your home and auto insurance with one company they may give you a discount of 10% to 20% off each policy.
• Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
• Telematics Discount – Policyholders that allow driving data submission to scrutinize driving habits by using a telematics device such as Progressive’s Snapshot could see a rate decrease if they have good driving habits.
• College Student – who are attending college and do not take a car to college could get you a discount.
• Responsible Drivers – Drivers without accidents may receive a discount up to 45% on Contour coverage than their less cautious counterparts.
• Sign Early and Save – Some insurance companies give discounts for switching to them before your current expiration date. This discount can save up to 10%.
• Multi-car Discount – Purchasing coverage when you have more than one vehicle on the same insurance policy could earn a price break for each car.

Please keep in mind that most discount credits are not given to the entire cost. Most cut the cost of specific coverages such as liability and collision coverage. Despite the fact that it seems like all those discounts means the company will pay you, companies wouldn’t make money that way.

Companies that possibly offer these discounts possibly include:

• Geico
• USAA
• Progressive
• American Family
• Esurance
• Farmers Insurance
• State Farm

When getting a coverage quote, ask every insurance company how many discounts you can get. Some discounts listed above may not apply to policyholders everywhere. For a list of insurance companies that offer some of these discounts, click here.

Tailor your car insurance coverage to you

When choosing the best car insurance coverage for your vehicles, there is no single plan that fits everyone. Every situation is different so your insurance should reflect that These are some specific questions might help in determining if you might need an agent’s assistance.

• What companies insure drivers after a DUI or DWI?
• What are the best liability limits?
• What is high-risk coverage and where do I buy it?
• What are the financial responsibility laws in my state?
• Where can I get insurance after a DUI in my state?
• What is the minimum liability in my state?

If you can’t answer these questions, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of car insurance companies in your area.

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Educate yourself about insurance coverages

Having a good grasp of a insurance policy can help you determine the right coverages for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages available from insurance companies.

Comprehensive insurance – This pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as theft, damage from a tornado or hurricane, a tree branch falling on your vehicle, hail damage and damage from flooding. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverage – Liability insurance will cover damage that occurs to other’s property or people in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things such as structural damage, legal defense fees, medical services, funeral expenses and pain and suffering. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like nursing services, surgery, funeral costs and rehabilitation expenses. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

Collision – Collision insurance will pay to fix damage to your Contour resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as backing into a parked car, crashing into a building, damaging your car on a curb and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as damage to your Ford Contour.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Buy online or local, you save

When getting insurance coverage quotes online, it’s not a good idea to sacrifice coverage to reduce premiums. In many instances, an insured cut collision coverage and discovered at claim time that the savings was not a smart move. The proper strategy is to buy a smart amount of coverage at an affordable rate but still have enough coverage for asset protection.

Budget-conscious 1996 Ford Contour insurance is attainable both online in addition to local insurance agencies, so you should compare both to get a complete price analysis. Some insurance providers do not offer rate quotes online and many times these small insurance companies only sell through independent agents.

For more information, feel free to visit the following helpful articles:

• Teen Driving Statistics (iihs.org)
• Parking Tips to Reduce Door Dings (State Farm)
• Understanding Car Crashes Video (iihs.org)
• Avoiding Deer Collisions (Insurance Information Insitute)

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