How Much Does 2000 Ford Contour SVT Insurance Cost?

Buying insurance online can be complicated if you are someone who has never done online quotes. But don’t be overwhelmed because using the internet to shop for insurance is actually quite easy.

Finding affordable coverage is easy if you know what you’re doing. If you currently have car insurance, you should be able to lower your premiums substantially using these techniques. But vehicle owners do need to learn the way insurance companies price online insurance and use this information to your advantage.

Ford Contour SVT insurance price factors

Consumers need to have an understanding of the factors that are used to determine your insurance coverage rates. If you have some idea of what determines base rates, this enables you to make decisions that may result in big savings.

• Cheaper to insure women? – Over the last 50 years, statistics have shown that women are safer drivers than men. This data doesn’t prove that men are WORSE drivers than women. Both genders are in at-fault accidents in similar percentages, but the men have costlier accidents. Not only are claims higher, but men get more serious tickets like DWI (DUI) or reckless driving.
• Buy a safe car and pay less – Vehicles with good safety scores tend to have better insurance rates. Vehicles engineered for safety protect occupants better and lower injury rates translates into savings for insurance companies which can mean better rates for you. If your Ford scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
• Extra policy coverages push up premiums – Policies have additional coverages that can waste your money if you aren’t careful. Coverages like vanishing deductibles, high-cost glass coverage, and membership fees may be costing you every month. They may seem good when discussing your needs, but your money might be better spent on other coverage so remove them and pocket the money.
• Credit score impacts premium prices – Your credit score factor in determining your rates. Insureds that have good credit tend to be more responsible than drivers who have lower credit scores. If your credit is not that good, you could save money insuring your 2000 Ford Contour SVT by taking the time to improve your credit score.
• Where you live plays a part – Living in less populated areas has definite advantages when talking about insurance coverage. People who live in big cities have to deal with more road rage incidents and a longer drive to work. Fewer drivers means fewer accidents.
• More mileage equals more premium – Driving more miles in a year’s time the higher your rates will be. A lot of insurance companies apply a rate based upon how much you drive. Cars and trucks left parked in the garage can get a lower rate than those used for commuting. An improperly rated Contour SVT may be costing you. Make sure your declarations sheet is rated on the correct usage for each vehicle.
• Multi-policy discounts can save money – Most major insurance coverage companies afford better rates to buyers that buy multiple policies. It’s known as a multi-policy discount. Even if you’re getting this discount you still need to comparison shop to make sure you are getting the best deal. You may still save money even if you have your coverage with different companies
• When should you file a insurance claims? – If you file claims often, don’t be surprised to see either policy cancellation or increased premiums. Companies give discounts to people who are not frequent claim filers. Auto insurance is meant to be used in the event of the large, substantial claims.

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Insurance discounts help cut rates

Insurance is not inexpensive, but you might be missing out on some discounts that can dramatically reduce your bill. Some of these disounts will be visible when you complete an application, but once in a while a discount must be asked about prior to receiving the credit.

• Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discounted premium rate on car insurance if you buy a life insurance policy as well.
• Auto/Home Discount – If you combine your auto and home policies with one insurance company you could save nearly 15% which can help you find low cost insurance.
• Low Mileage – Driving less can qualify you for substantially lower insurancerates.
• Claim-Free Discount – Insureds with no claims or accidents have much lower rates as compared to drivers with a long claim history.
• Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to wear their seat belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
• Active Military Service – Being deployed in the military could mean lower rates.
• Accident Waiver – This one is not really a discount per se, but companies like Geico, Allstate and Liberty Mutual will allow you to have one accident before your rates go up so long as you are claim-free before the accident.
• Discount for New Cars – Putting coverage on a new car is cheaper since new vehicles have better safety ratings.
• Early Payment Discounts – By paying your entire bill at once rather than paying monthly you can avoid the installment charge.

Consumers should know that most discounts do not apply to all coverage premiums. Most only apply to specific coverage prices like liability and collision coverage. So when the math indicates it’s possible to get free car insurance, companies wouldn’t make money that way.

A list of companies and a selection of discounts are:

• American Family includes discounts for Steer into Savings, accident-free, multi-vehicle, TimeAway discount, and good student.
• Nationwide has savings for Farm Bureau membership, multi-policy, family plan, business or organization, easy pay, accident-free, and good student.
• MetLife offers discounts for claim-free, good student, good driver, multi-policy, accident-free, defensive driver
• 21st Century offers premium reductions for anti-lock brakes, homeowners, defensive driver, automatic seat belts, and air bags.
• Farmers Insurance policyholders can earn discounts including multi-car, pay in full, teen driver, switch companies, and homeowner.
• Allstate offers discounts including senior citizen, good student, premier plus, premier discount, eSmart discount, and FullPay discount.

When getting free insurance quotes, it’s a good idea to each company or agent how you can save money. Some of the discounts discussed earlier may not be available in your area. To choose insurance companies with discount rates, click here to view.

Save 15 percent in 15 minutes? Is it for real?

Respected companies like State Farm, Allstate and Geico consistently run ads in print and on television. All the companies tend to make the same promise that people will save if you move your insurance coverage coverage to their company. That’s great but how can every company offer you a better deal? You have to listen carefully.

Insurance providers have specific criteria for the type of insured that will generate a profit. One example of a driver they prefer could be married and over the age of 30, has a low-risk occupation, and drives a lower-performance vehicle. Anybody who matches that profile will qualify for the lowest premium rates and will probably save when they switch companies.

Consumers who may not quite match these criteria will have to pay higher premium rates with the end result being the customer not buying. Company advertisements say “drivers who switch” not “everyone who quotes” save that much money. That’s why companies can truthfully state the savings. Because of the profiling, you really need to get a wide range of price quotes. It is impossible to predict which insurance coverage company will provide you with the cheapest car insurance rates.

Which is the best auto insurance?

When choosing coverage for your personal vehicles, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s.

For example, these questions can aid in determining if you might need professional guidance.

• How can I get my company to pay me more for my totalled car?
• Why am I required to get a high-risk car insurance policy?
• Is my camper covered by my car insurance policy?
• Does my 2000 Ford Contour SVT qualify for pleasure use?
• Am I covered if I hit my neighbor’s mailbox?
• What is UM/UIM insurance?
• Why am I required to buy high-risk coverage?
• Who is covered by my policy?
• Is my teen driver covered when they drive my company car?
• Do I have coverage when using my vehicle for my home business?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form.

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Auto insurance 101

Having a good grasp of insurance can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Uninsured or underinsured coverage – This coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Contour SVT.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Coverage for liability – This can cover damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: 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 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things such as legal defense fees, attorney fees, structural damage, emergency aid and pain and suffering. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Comprehensive protection – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from flooding, hitting a bird, a broken windshield, hail damage and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical expense coverage – Medical payments and Personal Injury Protection insurance pay for expenses for chiropractic care, surgery, pain medications, dental work and nursing services. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as rolling your car, backing into a parked car and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Don’t break the bank

You just learned a lot of information how to lower your 2000 Ford Contour SVT insurance car insurance rates. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. You may even discover the best car insurance rates are with a lesser-known regional company.

As you shop your coverage around, do not reduce coverage to reduce premium. In many cases, consumers will sacrifice liability coverage limits only to regret at claim time that the savings was not a smart move. Your goal is to buy a smart amount of coverage for the lowest cost, not the least amount of coverage.

Lower-priced insurance coverage is available both online and from local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies do not provide internet price quotes and these small, regional companies only sell through local independent agencies.

Additional detailed information can be found at these sites:

• Credit and Insurance Scores (Insurance Information Insitute)
• Distracted Driving Extends Beyond Texting (State Farm)
• Cellphones, Texting and Driving (iihs.org)
• Auto Insurance 101 (About.com)

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