How Much Does 1997 Ford Contour Insurance Cost?

Getting low-cost car insurance may be challenging for people new to buying insurance online. With so many options of insurers available, how can people even start to compare the different rates to find the best available price?

It’s a good idea to get comparison quotes occasionally since insurance prices change regularly. Despite the fact that you may have had the best price on Contour insurance a few years ago you can probably find a better rate now. You can find a lot of wrong information about car insurance online but by reading this article, you’re going to learn some great ideas on how to lower your car insurance rates.

Finding affordable coverage is easy if you know what you’re doing. Just about every vehicle owner who shops for car insurance most likely will be able to find better rates. Although vehicle owners benefit from understanding how insurance companies sell online because it can help you find the best coverage.

Insurance companies offer many discounts

Companies offering auto insurance don’t always list their entire list of discounts in an easy-to-find place, so here is a list both the well known and also the lesser-known credits available to you.

• Telematics Data Discounts – Drivers who agree to allow companies to look at when and where they use their vehicle by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction if their driving habits are good.
• Government Employee Discount – Active or retired federal employment may qualify for a discount when you quote auto insurance on Contour insurance with a few insurance companies.
• Early Payment Discounts – If paying your policy premium upfront rather than paying monthly you may have a lower total premium amount.
• Buy New and Save – Adding a new car to your policy can save you some money since newer models are generally safer.
• No Charge for an Accident – This one is not really a discount per se, but a few companies such as Geico and Allstate will let one accident slide before hitting you with a surcharge if you have no claims for a specific time period.
• Accident-Free Discounts – Good drivers with no accidents can save substantially in comparison with frequent claim filers.
• Seat Belts Save more than Lives – Requiring all passengers to use a seat belt could cut 10% or more off the PIP or medical payment premium.

You can save money using discounts, but most of the big mark downs will not be given to your bottom line cost. Most only cut specific coverage prices like liability, collision or medical payments. So even though it sounds like all those discounts means the company will pay you, you won’t be that lucky. Any qualifying discounts will help lower the amount you have to pay.

Auto insurance companies that may include some of the above discounts possibly include:

• Geico
• Auto-Owners Insurance
• American Family
• Esurance
• Progressive
• State Farm
• AAA

Check with all companies you are considering to apply every possible discount. Some discounts listed above may not be available in every state. For a list of insurers that offer the discounts shown above, click here.

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Affordable car insurance quotes online

When shopping for low cost auto insurance quotes, there are a couple of ways to obtain and compare prices from all the different companies. The easiest way by far to find affordable 1997 Ford Contour insurance rates is simply to get online rate quotes. It’s really quite simple and can be done using a couple different methods.

1. The most recommended method to get quotes for comparison is a comparison rater form click to view form in new window. This method saves time by eliminating repetitive form submissions to each individual car insurance company. One form submission will return quotes from car insurance companies with the best prices. It’s definitely the quickest method.
2. A more time consuming way to shop for car insurance online requires a visit to the website of each company and fill out a new quote form. For instance, let’s say you want rates from Nationwide, Liberty Mutual and Allstate. In order to compare rates, you need to visit each site to input your insurance information, which is not fast way to get rate quotes.

   To view a list of companies in your area, click here.

3. The most time-consuming method of getting rate comparisons is actually driving to all the different insurance agencies. The ability to buy insurance online has made agencies unnecessary unless your situation requires the advice and guidance of a local agency. Although, it is possible get prices online but buy the policy through an agent.

The method you choose is up to you, but be sure you’re using apples-to-apples quote information with each company. If you compare mixed coverages it’s not possible to truly determine the lowest rate. Having just a slight variation in insurance coverages or limits may result in large price differences. Just remember that comparing more quotes helps improve the odds of finding more affordable rates.

Do I just need basic coverages?

When buying coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique.

Here are some questions about coverages that might help in determining if you might need professional guidance.

• Should I buy full coverage?
• If my pet gets injured in an accident are they covered?
• Do I have coverage if my license is suspended?
• Can I afford low physical damage deductibles?
• Is my camper covered by my car insurance policy?
• Which companies will insure high-risk drivers?
• Should I put collision coverage on all my vehicles?
• How can I find cheaper teen driver insurance?
• Will I lose any money if I cancel my policy before it expires?

If you’re not sure about those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form.

Insurance coverages and their meanings

Knowing the specifics of your policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Auto liability insurance

Liability insurance will cover injuries or damage you cause to other people or property. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things like medical services, pain and suffering and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for bills for things like ambulance fees, dental work and funeral costs. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like backing into a parked car, colliding with a tree, damaging your car on a curb, colliding with another moving vehicle and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Ford Contour.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive insurance

Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from getting keyed, falling objects and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

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Shop smart and save

We just covered a lot of techniques to save on 1997 Ford Contour insurance. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may discover the lowest prices are with a small local company.

Some companies may not provide internet price quotes small insurance companies work with independent insurance agencies. Cheaper insurance coverage is attainable on the web and from local insurance agents, and you should compare rates from both in order to have the best chance of saving money.

Drivers change insurance companies for many reasons like delays in responding to claim requests, not issuing a premium refund, policy cancellation or high rates after DUI convictions. It doesn’t matter what your reason, finding a new insurance coverage company is not as difficult as it may seem.

Much more information about insurance coverage can be found below:

• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Older Driver Statistics (Insurance Information Insitute)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Auto Insurance 101 (About.com)

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