1994 Ford Aspire Insurance Rates

Looking for lower insurance coverage rates? Shoppers have options when shopping for affordable Ford Aspire insurance. They can either waste time struggling with agents to compare prices or leverage the internet to get rate quotes.

There are more efficient ways to shop for insurance coverage and we’ll show you the best way to compare rates for a Ford and get the best price possible from both online companies and local agents.

If you have a policy now or need a new policy, you can follow these tips to shop for the lowest rates and possibly find even better coverage. This information will teach you how to effectively get price quotes and some tricks to saving. Drivers only need to know the most effective way to find the lowest price online.

Get cheaper rates by taking advantage of discounts

Auto insurance can be pricey, but companies offer discounts that may help make it more affordable. Some trigger automatically when you purchase, but a few must be inquired about before they will apply.

• Active Service Discounts – Being deployed with a military unit may lower your prices slightly.
• Passenger Safety Discount – Vehicles equipped with air bags may get savings as much as 30%.
• Discount for New Cars – Buying a new car model can cost up to 25% less compared to insuring an older model.
• Resident Student – Any of your kids living away from home attending college and won’t have access to an insured vehicle may qualify for this discount.
• Theft Deterent System – Cars and trucks equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and qualify for as much as a 10% discount.
• Federal Employees – Employees or retirees of the government can earn a discount up to 10% on Aspire coverage depending on your auto insurance provider.

One last thing about discounts, some of the credits will not apply to the entire policy premium. The majority will only reduce individual premiums such as comprehensive or collision. Even though it appears you can get free auto insurance, auto insurance companies aren’t that generous.

A few companies that may offer some of the discounts shown above possibly include:

• Progressive
• MetLife
• Mercury Insurance
• Nationwide
• Geico
• AAA

Double check with every company which credits you are entitled to. All car insurance discounts might not be offered in your area.

How car insurance companies determine Ford Aspire insurance costs

Lots of factors are taken into consideration when quoting car insurance. Some are pretty understandable like an MVR report, but some are less apparent like your vehicle usage or your financial responsibility.An important part of buying insurance is that you know the different types of things that go into determining auto insurance rates. If you have some idea of what impacts premium levels, this allows you to make educated decisions that could help you find lower auto insurance prices.

Shown below are some of the items utilized by car insurance companies to help set your premiums.

• Cars with good safety ratings lower rates – Cars with five star safety ratings can get you lower premiums. Vehicles built for safety have better occupant injury protection and fewer serious injuries translates into savings for insurance companies and cheaper rates on your policy.
• How many miles do you drive? – The higher the mileage driven annually the higher the price you pay to insure it. Almost all companies price each vehicle’s coverage based upon how you use the vehicle. Vehicles used primarily for pleasure use receive lower rates compared to those used for work or business. An improperly rated Aspire may be costing you. It’s a good idea to make sure your vehicle rating states the correct usage for each vehicle, because it can save money.
• Do you have enough liability protection? – A critical coverage on your policy, liability insurance will protect you if ever you are ruled to be at fault for an accident. Liability provides for a legal defense starting from day one. This coverage is very inexpensive compared to comp and collision, so do not cut corners here.
• Age of drivers – Older drivers are more responsible, cause fewer claims and accidents .Teenage drivers are known to be inattentive and easily distracted when driving so auto insurance rates are higher.
• Never allow your coverage to lapse – Letting your insurance expire is a quick way to trigger a rate increase. Not only will you pay more, failure to provide proof of insurance could result in a steep fine or even jail time.
• Keep auto insurance claims to a minimum – Car insurance companies provide most affordable rates to insureds that do not abuse their auto insurance. If you’re an insured who likes to file claims you can look forward to higher premiums or even policy non-renewal. Insurance coverage is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
• Poor credit rating equals high prices – Having a bad credit rating is likely to be a major factor in determining what you pay for auto insurance. If your credit rating leaves room for improvement, you could pay less to insure your 1994 Ford Aspire by improving your rating. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers who have bad credit.
• Females tend to take less risk – The statistics show that men are more aggressive behind the wheel. This data doesn’t prove that females are better drivers. Males and females get in accidents in similar numbers, but men cause more damage and cost insurance companies more money. In addition to higher claims, males also receive more costly citations such as reckless driving.

How much auto insurance do I need?

When it comes to buying adequate coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s situation is unique.

These are some specific questions can aid in determining whether you will benefit from professional help.

• I have health insurance so do I need medical payments coverage?
• Should I waive the damage coverage when renting a car?
• Do I need more liability coverage?
• Should I bundle my homeowners policy with my auto?
• Does coverage extend to my business vehicle?
• Do all my vehicles need collision coverage?
• What is roadside assistance coverage?
• What is no-fault insurance?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Buyer beware of insurance advertising tricks

Consumers constantly see and hear ads that claim the lowest premium rates by companies like State Farm and Allstate. All the companies advertise claims about savings if you change your policy.

How does every company offer you a better deal? This is the trick they use.

All companies have specific guidelines for the type of driver that earns them the most money. An example of this type of risk profile might have to be a mature driver, has a clear driving record, and drives a safe vehicle. A customer who fits those characteristics gets the lowest car insurance rates and will also save quite a bit of money when switching.

Drivers who cannot meet those criteria must pay higher premiums and ends up with the driver buying from a lower-cost company. The ads say “people that switch” not “all people who quote” will save that much if they switch. That’s the way insurance companies can confidently make the claims of big savings.

Each company has different criteria, so you absolutely need to compare many company’s premium rates. It is impossible to predict which insurance companies will have the lowest rates.

What insurance coverages do you need?

Understanding the coverages of a insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Insurance terms can be confusing and coverage can change by endorsement.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like dental work, chiropractic care, doctor visits, prosthetic devices and surgery. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Uninsured and underinsured coverage

This 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 Aspire.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Auto liability insurance

Liability coverage protects you from injuries or damage you cause to other people or property. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage protects against things like loss of income, attorney fees, legal defense fees and funeral expenses. How much coverage you buy is up to you, but you should buy as much as you can afford.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from 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 insurance covers claims such as damage from getting keyed, hitting a bird, theft and hitting a deer. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision protection

Collision insurance will pay to fix damage to your Aspire caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like crashing into a ditch, damaging your car on a curb and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Do the work, save more money

Insureds leave their current company for a number of reasons such as high prices, high rates after DUI convictions, lack of trust in their agent or even not issuing a premium refund. Whatever your reason, choosing a new insurance company can be less work than you think.

As you shop your coverage around, do not buy lower coverage limits just to save a few bucks. In too many instances, an insured cut physical damage coverage and learned later that it was a big error on their part. Your aim should be to buy enough coverage at the best possible price, but don’t skip important coverages to save money.

Cheaper insurance coverage is possible both online and also from your neighborhood agents, and you should be comparing both in order to have the best chance of saving money. There are still a few companies who may not have the ability to get quotes online and many times these smaller providers only sell through independent insurance agencies.

More information

• How do I File a Claim? (Insurance Information Insitute)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Uninsured Motorist Statistics (Insurance Information Insitute)
• Speed and Speed Limit FAQ (iihs.org)
• How to Avoid Common Accidents (State Farm)