1998 Ford Contour Insurance Quotes

Want better insurance coverage rates for your Ford Contour? Trying to come up with a payment for pricey insurance coverage can deplete your personal savings and force you to prioritize other expenses. With drivers having so many insurance coverage companies to choose from, it can be impossible to locate the best insurer.

Get cheaper auto insurance quotes with discounts

Some providers don’t necessarily list all possible discounts very clearly, so the list below details both the well known as well as the least known credits that you can use to lower your rates.

• Auto/Home Discount – If you can bundle your auto and homeowners insurance with the same insurance company you may save approximately 10% to 15%.
• Military Deployment Discount – Being deployed with a military unit could be rewarded with lower prices.
• Drive Safe and Save – Drivers who don’t get into accidents can pay as much as 50% less for Contour coverage than drivers with accidents.
• Full Payment Discount – If you can afford to pay the entire bill as opposed to paying monthly you can actually save on your bill.
• Buy New and Save – Insuring a vehicle that is new can cost up to 25% less since newer vehicles have better safety ratings.
• 55 and Retired – Drivers over the age of 55 could receive a slight reduction on a car insurance quote for Contour coverage.
• Defensive Driver – Taking part in a defensive driving course could cut 5% off your bill if you qualify.

Policy discounts save money, but many deductions do not apply to your bottom line cost. Most cut specific coverage prices like comp or med pay. Despite the appearance that adding up those discounts means a free policy, it just doesn’t work that way. But any discount will lower your policy premium.

To see a list of auto insurance companies who offer cheap auto insurance quotes, click this link.

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Smart choices result in lower insurance costs

Multiple criteria are considered when you get your auto insurance bill. Some are pretty understandable such as your driving record, but other criteria are more transparent like your vehicle usage or your vehicle rating.An important part of buying insurance is that you know the rating factors that help determine the rates you pay for insurance coverage. When consumers understand what influences your rates, this allows you to make educated decisions that can help you get lower insurance coverage prices.

The items below are some of the major factors used by insurance companies to determine premiums.

• The more you drive the more you pay – Driving a lot of miles every year the higher your rates will be. A lot of insurance companies apply a rate based upon how much you drive. Autos that do not get driven very much cost less to insure compared to those used for work or business. An improperly rated Contour is throwing money out the window. Make sure your insurance coverage coverage states the proper vehicle usage, because improper ratings can cost you money.
• Can a thief steal your car? – Buying a car with anti-theft technology or alarm system can help lower your rates. Theft deterrent systems like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your vehicle from being stolen.
• Driving citations cost more than a fine – Having a clean driving record impacts premiums far more than you think. Having a single speeding ticket or other violation can boost insurance rates twenty percent or more. Careful drivers pay lower auto insurance prices as compared to careless drivers. Drivers who have gotten severe violations like DUI, reckless driving or excessive speeding may face state-mandated requirements to submit a SR-22 form with their state DMV in order to prevent a license revocation.
• Rural areas have lower prices – Being located in small towns and rural areas is a good thing when buying insurance coverage. Lower population corresponds to lower accident rates. People who live in big cities tend to have more auto accidents and higher rates of accident claims. More time behind the wheel translates into higher accident risk.
• Which gender costs less? – The statistics show that females tend to be a little less risky than males. That doesn’t necessarily mean that males are worse at driving than females. Men and women get in accidents at about the same rate, but the male of the species cause more damage. Not only that, but men also get ticketed for serious violations like DUI and reckless driving.

Tailor your insurance coverage coverage to you

When choosing coverage, there really is not a cookie cutter policy. Each situation is unique so your insurance should reflect that For instance, these questions might point out if your insurance needs could use an agent’s help.

• How much underlying liability do I need for an umbrella policy?
• Are my tools covered if they get stolen from my vehicle?
• What companies insure drivers after a DUI or DWI?
• Why am I required to get a high-risk car insurance policy?
• Who is covered by my policy?
• Am I covered if hit by an uninsured driver?
• Do I have any recourse if my insurance company denies a claim?
• Can my teen driver be rated on a liability-only vehicle?
• How do I file an SR-22 for a DUI in my state?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Save $487 a year! What?

Consumers can’t get away from all the ads for the lowest price insurance by companies like State Farm and Allstate. All the companies tend to make the same promise about saving some big amount if you just switch your coverage to them.

How does every company charge less that you’re paying now? Here is the trick they use.

Many companies have a certain “appetite” for the type of customer that is profitable for them. One example of this type of risk profile may need to be between the ages of 30 and 45, has never had a policy lapse, and has a high credit rating. Any new insured who fits that profile will most likely get cheap rates and will probably save a lot of money.

Potential insureds who are not a match for this stringent profile will probably have to pay higher premium rates and this can result in the customer not purchasing. The ads state “people who switch” not “all people who quote” save that much when switching. That’s why insurance companies can make those claims. That is why you really need to compare quotes as often as possible. Because you cannot predict which insurance company will have the lowest premium rates for your situation.

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Auto insurance coverages

Understanding the coverages of a insurance policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy. These are the normal coverages found on most insurance policies.

Comprehensive auto coverage – This coverage covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hitting a bird, fire damage and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like chiropractic care, prosthetic devices, nursing services and dental work. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as damage to your Ford Contour.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Liability insurance – Liability insurance provides protection from damages or injuries you inflict on a person or their property that is your fault. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

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

Liability can pay for things like court costs, repair bills for other people’s vehicles, medical services, loss of income and funeral expenses. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Collision coverages – Collision coverage covers damage to your Contour from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like hitting a mailbox, backing into a parked car, crashing into a building, sideswiping another vehicle and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Coverage on a shoestring budget

While you’re price shopping online, don’t be tempted to reduce coverage to reduce premium. Too many times, someone dropped liability coverage limits only to regret at claim time that the few dollars in savings costed them thousands. The proper strategy is to purchase a proper amount of coverage for the lowest cost, not the least amount of coverage.

Budget-conscious 1998 Ford Contour insurance can be purchased on the web as well as from independent agents, so you need to quote car insurance with both so you have a total pricing picture. A few companies may not provide rate quotes online and many times these regional carriers prefer to sell through local independent agencies.

Even more information is located at these sites:

• Your Car has been Stolen: Now What? (Allstate)
• What is Gap Insurance? (Insurance Information Insitute)
• Insurance Losses by Make and Model (iihs.org)
• Teen Driver Statistics (Insurance Information Insitute)

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