View 1998 Ford Contour SVT Car Insurance Quotes

Finding low-cost insurance for a Ford Contour SVT can normally be a lot of work, but you can use these tips to find lower rates.

There is a better way to compare insurance coverage rates and we’ll show you the quickest way to compare rates for a Ford and obtain the best price possible from local insurance agents and online providers.

Buying the best auto insurance is not that difficult. If you have a policy now or are just looking to switch companies, you can use these tips to cut your premiums while maintaining coverages. Drivers just need to learn the proper methods to compare prices on the web.

The Ford Contour SVT insurance price equation

Part of the insurance buying process is learning some of the elements that are used to determine your policy premiums. If you understand what controls the rates you pay, this allows you to make educated decisions that may reward you with big savings. Many factors are used in the calculation when you get a price on insurance. Some are obvious such as traffic violations, but some are not quite as obvious such as your credit history or your financial responsibility.

The list below includes some of the items used by companies to determine your prices.

• How old are your drivers? – Teenage drivers tend to get distracted easily with other occupants in the car so they pay higher insurance rates. Having to add a first-time driver to your insurance policy can break the bank. More mature drivers are proven to be safer behind the wheel, are lower risk to insure , and are generally more financially stable.
• Vehicle features that lower rates – Choosing to buy a car that has an advanced theft prevention system can get you a discount on your insurance. Systems that thwart theives such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can thwart auto theft.
• Drive less and get lower prices – The more you drive your Ford in a year’s time the higher your rates will be. Most companies charge rates partially by how you use the vehicle. Cars that are left in the garage cost less to insure than vehicles that are driven to work every day. Verify your policy correctly shows annual mileage. Improper usage on your Contour SVT can cost quite a bit.
• Your employer is a factor – Do you work in a high-stress field? Careers such as real estate brokers, architects and emergency personnel tend to pay higher premium rates attributed to intense work requirements and lots of time spent at work. On the flip side, jobs such as farmers, historians and the unemployed have lower than average premiums on Contour SVT coverage.
• Rural vs Urban Areas – Residing in a rural area can be a good thing when insuring your vehicles. Fewer drivers and short commutes translates into fewer accident claims and also fewer theft and vandalism claims. Drivers who live in large cities have more road rage incidents and longer commute times. Higher commute times translates into higher accident risk.
• Lower rates for safer cars – Cars with five star safety ratings cost less to insure. Vehicles engineered for safety reduce the chance of injuries and fewer injuries means less money paid by your insurance company and more competitive rates for policyholders. If your Ford Contour SVT is rated at least four stars on Safercar.gov you may qualify for a discount.

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Cheapest insurance price quotes

Most of the larger companies allow consumers to get coverage prices from their websites. Getting prices online is pretty easy as you just type in the coverages you want into the quote form. Once entered, their rating system orders your credit score and driving record and returns pricing information based on the data you entered.

Online price quotes simplifies rate comparisons, but the time it takes to visit each company’s website and repetitively type in the same data is monotonous and tiresome. But it’s very important to do this if you want to find a better rate.

Keep reading for an easier way to compare prices

An easier way to get multiple rate quotes requires only one form to obtain quotes from more than one company. It’s a real time-saver, reduces the work, and makes online price comparison much easier to do. Once the form is submitted, your coverage is rated and you can select your choice of the quotes that you receive.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. This process can be completed in a matter of minutes and you’ll know if lower rates are available.

To fill out one form to compare multiple rates now, click here and input your coverage information. If you have your current policy handy, we recommend you type in identical to your current policy. This ensures you will be getting a fair comparison for similar coverage.

Insurance savings promises

Consumers constantly see and hear ads that promise big savings for switching from the likes of Progressive, Geico, Allstate and State Farm. All the companies say the same thing of big savings just by switching to their company.

How does each company offer you a better deal? It’s all in the numbers.

Insurance providers give the best rates for the driver that will add to their bottom line. A good example of a desirable risk might have to be over the age of 45, has a clean driving record, and drives a safe vehicle. Any customer that matches those criteria receive the lowest rate quotes and will also save when switching.

Potential customers who don’t measure up to the ideal profile will probably have to pay a higher rate and business not being written. If you listen to the ad wording, they say “customers that switch” but not “all drivers who get quotes” save that kind of money. That’s the way companies can truthfully advertise the way they do.

This really emphasizes why you really should get auto insurance quotes as often as possible. It’s not possible to predict which company will fit your personal profile best.

Don’t overlook these car insurance discounts

Some providers do not list all disounts in an easy-to-find place, so we took the time to find both well-publicized and the harder-to-find discounts that you can inquire about if you buy auto insurance online. If you are not receiving all the discounts possible, you are throwing money away.

• Professional Organizations – Being in certain professional organizations may earn a discount on your next car insurance statement.
• Switch and Save Discount – A few insurance companies allow discounts for switching to them before your current expiration date. It could save around 10% when you buy auto insurance online.
• Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to buckle their seat belts may be able to save a few bucks on the medical payments or PIP coverage costs.
• Accident-Free Discounts – Drivers who don’t have accidents can earn big discounts when compared with drivers with a long claim history.
• Paperless Signup – Some car insurance companies provide a small discount simply for signing on their website.
• Active Service Discounts – Having a deployed family member can result in better car insurance rates.
• Discounts for Federal Employees – Having worked for a branch of the government can save as much as 8% on Contour SVT coverage but check with your company.
• Own a Home – Just owning your own home can save you money because of the fact that having a home shows financial diligence.
• Passive Restraints and Air Bags – Options like air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
• Discount for Good Grades – Performing well in school could provide a savings of up to 20% or more. Earning this discount can benefit you up to age 25.

You should keep in mind that most discounts do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, that’s just not realistic.

To see a list of insurance companies that offer some of these discounts, click here to view.

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When to get professional advice

When it comes to buying proper insurance coverage, there really is not a single plan that fits everyone. Every insured’s situation is different.

Here are some questions about coverages that may help highlight whether or not you will benefit from professional help.

• At what point should I drop full coverage?
• Do I have coverage when pulling a U-Haul trailer?
• What is roadside assistance coverage?
• Am I better off with higher deductibles on my 1998 Ford Contour SVT?
• Does insurance cover damages from a DUI accident?
• What companies insure drivers after a DUI or DWI?
• Is my 1998 Ford Contour SVT covered for flood damage?
• Can I afford to buy a different vehicle if my 1998 Ford Contour SVT is totaled?
• Will my rates increase for filing one claim?
• Do I have coverage if my license is suspended?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and may give you better protection.

Car insurance coverage information

Having a good grasp of your car insurance policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Collision – This pays for damage to your Contour SVT resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as hitting a mailbox, scraping a guard rail, hitting a parking meter and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Coverage for medical expenses – Med pay and PIP coverage pay for immediate expenses like surgery, funeral costs and EMT expenses. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

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

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Alternatively, you may have a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like attorney fees, structural damage and pain and suffering. 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.

Comprehensive car insurance – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like vandalism, fire damage, damage from getting keyed and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and damage to your Ford Contour SVT.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits are similar to your liability insurance amounts.

In the end, you save

Discount 1998 Ford Contour SVT insurance is definitely available both online and from local insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies do not provide online rate quotes and usually these smaller companies only sell coverage through independent agents.

When shopping online for insurance, never reduce needed coverages to save money. In many instances, an insured cut collision coverage only to regret at claim time that they should have had better coverage. The goal is to purchase a proper amount of coverage for the lowest cost while not skimping on critical coverages.

Insureds leave their current company for a number of reasons such as delays in paying claims, an unsatisfactory settlement offer, poor customer service or delays in responding to claim requests. Whatever your reason, finding the right insurance provider is actually quite simple.

Helpful articles

• All About Airbag Safety (State Farm)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Safety Features for Your New Car (State Farm)
• Understanding Limits and Deductibles (Allstate)
• What to do at the Scene of an Accident (Insurance Information Insitute)

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