Cheaper 1993 Ford Festiva Insurance Quotes

Looking for lower auto insurance rates for your Ford Festiva? Think you have high-priced auto insurance? Believe me, you’re not the only one.

Since you have so many choices of insurance companies, it is hard for the average consumer to pick a lower cost auto insurance company.

Buy auto insurance online

When shopping for auto insurance there are multiple ways to get quotes from companies that offer auto insurance in your state. The best way to find the lowest Ford Festiva rates consists of obtaining rate quotes online. This can be done in a couple of different ways.

1. If you don’t have a lot of time, the easiest way to get quotes for comparison would be an industry-wide quote request form like this one (opens in new window). This quick form eliminates the need for separate quote forms for each company. One quote request compares rates from all major companies.
2. A different way to find lower rates requires a visit to the website of each company and fill out their own quote form. For examples sake, we’ll assume you want to compare rates from State Farm, Farmers and American Family. To get rate quotes you would need to go to every website and enter your policy data, which is not fast way to get rate quotes. For a list of companies in your area, click here.
3. The least recommended method to quote and compare insurance rates is making phone calls or going to each insurance agency near you. The fact that you can get quotes online has reduced the need for local agents unless your situation requires the extra assistance that you can only get from talking to an agent. Drivers can comparison shop online and have a local agent actually service the policy.

It’s up to you which method you use, but try to use the same coverages and limits for each quote you get. If you have different coverage information you can’t possibly decipher which rate is best. Having just a slight variation in coverage limits could mean much higher rates. Just keep in mind that comparing more company’s prices gives you a better chance of getting better pricing.

Discounts for affordable auto insurance rates

Auto insurance is not cheap nor is it fun to buy but you may be missing some discounts to help offset the cost. Many of these discounts will be applied automatically when you quote, but some must be specifically requested before they will apply.

• Early Renewal Discounts – A few companies offer discounts for switching policies before your current expiration date. This can save 10% or more.
• Discount for Good Grades – Getting good grades may save you up to 25%. You can use this discount normally up to age 25.
• Policy Bundle Discount – When you combine your auto and homeowners insurance with one company you could get a discount of over 10 percent off each policy depending on the company.
• Drive Less and Save – Low mileage vehicles can earn slightly better rates than normal.
• Membership in Organizations – Having an affiliation with a civic or occupational organization could earn you a nice discount on your policy.

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. Most only apply to the cost of specific coverages such as collision or personal injury protection. Just because it seems like all those discounts means the company will pay you, nobody gets a free ride. Any qualifying discounts will lower your overall premium however.

A list of companies and some of their more popular discounts are shown below.

• Farm Bureau offers discounts for 55 and retired, youthful driver, driver training, multi-vehicle, and multi-policy.
• MetLife has discounts for good student, claim-free, multi-policy, accident-free, and defensive driver.
• Progressive may have discounts that include multi-policy, good student, multi-vehicle, online quote discount, online signing, and homeowner.
• AAA offers premium reductions for education and occupation, AAA membership discount, good driver, anti-theft, and multi-car.
• American Family may offer discounts for good driver, early bird, bundled insurance, TimeAway discount, and multi-vehicle.
• Geico includes discounts for driver training, seat belt use, multi-policy, membership and employees, and anti-lock brakes.
• State Farm policyholders can earn discounts including passive restraint, driver’s education, safe vehicle, defensive driving training, good student, good driver, and multiple autos.

Check with each company which discounts you may be entitled to. Discounts may not be available in your area. To see a list of auto insurance companies that can offer you the previously mentioned discounts, click here to view.

Tailor your car insurance coverage to you

When choosing coverage, there isn’t really a “best” method to buy coverage. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that can help discover if your insurance needs would benefit from an agent’s advice.

• Will I lose any money if I cancel my policy before it expires?
• Should I get collision insurance on every vehicle?
• When should I drop full coverage on my 1993 Ford Festiva?
• How much liability do I need to cover my assets?
• Do I have coverage when making deliveries for my home business?
• Does my insurance cover my expensive audio equipment?
• Does insurance cover damages from a DUI accident?
• Is pleasure use cheaper than using my 1993 Ford Festiva to commute?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Choices you make can impact your insurance costs

Lots of factors are used when you get a price on insurance. A few of the factors are predictable like your driving record, although some other factors are not as apparent like your continuous coverage or your commute time.The best way to find cheaper auto insurance is to take a look at some of the things that aid in calculating the level of your policy premiums. When consumers understand what determines premiums, this enables informed choices that can earn you better auto insurance rates.

The following are some of the most rate-impacting factors used by your company to calculate your prices.

• Premiums can change based on your address – Living in small towns and rural areas is a good thing when buying auto insurance. Urban drivers tend to have more traffic problems and much longer commute distances. Fewer drivers on the road translates into fewer accident claims in addition to fewer liability claims.
• Cars with good safety ratings that lower rates – Buying a car that has an advanced theft prevention system can earn a premium discount. Theft deterrent systems such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop auto theft.
• Do you save by driving less? – The more miles you rack up on your Ford each year the more you’ll pay to insure it. The majority of insurers price each vehicle’s coverage partially by how you use the vehicle. Cars and trucks used primarily for pleasure use can be on a lower rate level than vehicles that have high annual mileage. Verify your auto insurance declarations sheet states the right rating data. An improperly rated Festiva can cost quite a bit.
• Better drivers pay less – Having a clean driving record influences premium rates substantially. Careful drivers receive lower rates as compared to careless drivers. Just one speeding ticket or other violation can increase rates substantially. Drivers who have license-revoking citations such as hit and run, DWI or reckless driving convictions are required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to legally drive a vehicle.
• Cars with good safety ratings cost less to insure – Vehicles with good safety scores are cheaper to insure. Safe vehicles reduce occupant injuries and lower injury rates translates into fewer and smaller insurance claims and more competitive rates for policyholders. If the Ford Festiva scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
• Single drivers may get higher costs – Being married can get you a discount on your policy. Having a significant other is viewed as being less irresponsible it has been statistically shown that married drivers tend to have fewer serious accidents.
• Don’t abuse insurance claims – If you are the type of insured that files lots of claims you can look forward to either higher rates or even cancellation. Auto insurance companies provide lower rates to drivers who do not file claims often. Your car insurance is intended for claims that you cannot pay yourself.
• Higher premiums for tough occupations – Did you know your career choice can influence rates? Careers such as lawyersairline pilots and stock brokers are shown to have higher premium rates because of stressful work requirements and long work days. On the other hand, careers such as professors, historians and the unemployed pay the least for Festiva coverage.

Specifics of your insurance policy

Knowing the specifics of your insurance policy can help you determine which coverages you need and the correct deductibles and limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy. These are typical coverage types found on the average insurance policy.

Coverage for uninsured or underinsured drivers – This coverage provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision coverage – Collision insurance covers damage to your Festiva from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as hitting a mailbox, hitting a parking meter, driving through your garage door and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as nursing services, surgery, ambulance fees, funeral costs and dental work. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Auto liability insurance – Liability insurance can cover damages or injuries you inflict on other people or property in an accident. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability insurance covers things like attorney fees, emergency aid, funeral expenses and medical services. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as theft, a tree branch falling on your vehicle and hail damage. The highest amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Be a Smart Shopper

As you go through the steps to switch your coverage, it’s a bad idea to sacrifice coverage to reduce premiums. There have been many situations where drivers have reduced physical damage coverage only to regret that it was a big error on their part. Your focus should be to get the best coverage possible for the lowest cost but still have enough coverage for asset protection.

In this article, we covered quite a bit of information on how to reduce 1993 Ford Festiva insurance premium rates online. It’s most important to understand that the more providers you compare, the higher the chance of saving money. Consumers could even find that the best premium rates are with a smaller regional carrier. These smaller insurers may have significantly lower prices on certain market segments than their larger competitors like State Farm or Progressive.

Helpful articles

• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• What to do at the Scene of an Accident (Insurance Information Insitute)
• Help Your Teen Be a Better Driver (State Farm)
• Your Car has been Stolen: Now What? (Allstate)
• Car Insurance FAQ (Trusted Choice)