Save on 1996 Ford Aspire Insurance Quotes

Searching for lower insurance coverage rates for your Ford Aspire? Did you fall for a flashy sales pitch and buy overpriced insurance coverage? It’s a common feeling and many consumers are feeling buyer’s remorse and feel like there’s no way out.

Multiple insurers compete for your hard-earned dollar, and because of this it can be hard to compare insurance companies to find the absolute lowest price

How to get insurance coverage quotes

There are a lot of ways to compare insurance coverage quotes, but some are less time-consuming than others. You can waste a few hours (or days) driving to insurance agencies in your area, or you could use the internet to accomplish the same thing much quicker.

All the larger companies enroll in a system that enables customers to submit their information once, and each participating company returns a competitive quote based on that information. This system prevents you from having to do quote requests to each individual insurance coverage company.

To compare rates using this form now click here to open in new window.

The only downside to comparing rates this way is that consumers can’t choose which insurance companies you want pricing from. So if you prefer to pick from a list of companies for rate comparison, we have a page of companies who write insurance coverage in your area. Click to view list.

It’s up to you which method you use, but make darn sure you compare exactly the same quote information for each quote you get. If you use different limits and deductibles on each one then you won’t be able to determine which company has the best rates. Slightly different insurance coverages or limits can mean a large discrepancy in price. Just remember that comparing all the rates in your area helps increase your odds of locating the best rates. Some insurance companies are not set up to provide prices over the internet, so it’s necessary to compare price estimates from those companies as well.

Take advantage of every insurance discount

Insurance can be pricey, but discounts can save money and there are some available that you may not even know about. Some discounts will apply at the time of quoting, but a few must be asked about before you will receive the discount.

• No Claim Discounts – Insureds with no claims or accidents can earn big discounts when compared with insureds who have frequent claims or accidents.
• Lower Rates for Military – Having an actively deployed family member could be rewarded with lower insurance rates.
• Driving Data Discount – Policyholders that allow driving data collection to analyze vehicle usage through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease as long as the data is positive.
• Drive Less and Save – Fewer annual miles on your Ford may enable drivers to earn cheaper insurancerates.
• Government Employee Discount – Having worked for a branch of the government could qualify for a slight premium decrease on Aspire coverage with select insurance companies.
• Homeowners Pay Less – Owning a house can save a few bucks due to the fact that maintaining a home means you have a higher level of financial diligence.
• Professional Organizations – Participating in a professional or civic organization may earn a discount on your policy.

You can save money using discounts, but most credits do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like comp or med pay. If you do the math and it seems like all those discounts means the company will pay you, you’re out of luck.

A list of insurance companies and the discounts they provide are:

• Mercury Insurance may include discounts for good student, multi-policy, good driver, ease of repair, annual mileage, and professional/association.
• Farmers Insurance policyholders can earn discounts including teen driver, pay in full, homeowner, electronic funds transfer, and business and professional.
• Farm Bureau offers discounts including multi-vehicle, good student, multi-policy, youthful driver, and safe driver.
• State Farm has savings for multiple autos, anti-theft, Steer Clear safe driver discount, good student, multiple policy, and passive restraint.
• Allstate has discounts for resident student, early signing, multi-policy, utility vehicle, and good student.
• Geico offers discounts for daytime running lights, membership and employees, multi-vehicle, seat belt use, and federal employee.

Double check with all companies you are considering the best way to save money. A few discounts might not be offered on policies everywhere. To see providers that have a full spectrum of discounts, click here to view.

Informed decisions result in lower insurance prices

Lots of factors are considered when you get your auto insurance bill. Some are obvious like your driving record, but others are not as apparent such as your credit history or your vehicle rating.

• Lower rates for cars with good safety ratings – Vehicles with good safety scores tend to have lower insurance rates. These vehicles protect occupants better and fewer injuries translates into savings for insurance companies and thus lower rates. If your Ford scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
• Your gender affects premiums – Over the last 50 years, statistics have shown that females take fewer risks when driving. However, don’t assume that females are better drivers. Men and women cause accidents at a similar rate, but the male of the species get into accidents with more damage. They also get ticketed for serious violations like reckless driving and DUI. Young males are several times more likely to be in an accident so they pay the highest premiums.
• Liability – Liability insurance will protect you when you are ruled to be at fault for physical damage or personal injury to other. Your policy’s liability insurance provides legal defense coverage starting from day one. This coverage is relatively inexpensive when compared with rates for comp and collision, so drivers should make sure they buy enough to cover all assets.
• Drive less and get lower rates – Driving more miles in a year’s time the more you will pay for auto insurance. The majority of insurers charge to insure your cars based on their usage. Cars not used for work or commuting get more affordable rates than those used for commuting. Incorrect rating for your Aspire can result in significantly higher rates. Ask your agent if your policy properly reflects the correct driver usage.
• Job stress can affect auto insurance rates – Do you work in a high-stress field? Jobs like doctors, social workers and stock brokers generally have higher average rates due to intense work situations and incredibly demanding work hours. On the other hand, jobs such as farmers, engineers and performers generally pay rates lower than average on Aspire coverage.
• High physical damage deductibles save money – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Ford. Some examples of claims that would be covered are a broken side mirror, collision with an animal, and damage from a fallen tree branch. Comprehensive and collision coverage deductibles state the amount of money you are willing to pay out-of-pocket before a claim is paid by your company. The more damage repair cost you’re willing to pay, the lower your rates will be on Aspire coverage.
• Rental and towing coverage may not be needed – There are many extra add-on coverages you can purchase if you don’t pay attention. Things like vanishing deductibles, towing, and motor club memberships may be costing you every month. They may seem good when talking to your agent, but if you have no use for them consider taking them off your policy.

How to know if you need help

When buying coverage for your vehicles, there is no best way to insure your cars. Every insured’s situation is different so this has to be addressed. These are some specific questions could help you determine if your situation would benefit from professional advice.

• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• What is roadside assistance coverage?
• What is high-risk coverage and where do I buy it?
• Does car insurance cover theft of personal property?
• Do I have newly-aquired coverage?
• Will filing a claim cost me more?
• How do I buy GAP insurance?

If you’re not sure about those questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area.

Do you really save 40% when you switch?

Respected companies like State Farm, Geico and Progressive endlessly run ads in print and on television. They all advertise claims that you can save after switching to them. How can each company charge you a lower premium?

Insurance coverage companies are able to cherry pick for the type of driver they prefer to insure. For instance, a profitable insured could possibly be between the ages of 30 and 50, has a clear driving record, and drives a vehicle with a low ISO rating. Any person who fits that profile will most likely get cheap car insurance rates and therefore will save if they switch.

Insureds who may not quite match those standards will see a higher rate which translates to business going elsewhere. The ads say “people that switch” but not “all drivers who get quotes” save that much money. That is how insurance companies can confidently make those statements. This really emphasizes why it’s extremely important to compare as many free auto insurance quotes as you can. It’s just not possible to know with any certainty which company will give you the biggest savings.

The coverage is in the details

Understanding the coverages of your insurance policy can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverage types found on the average insurance policy.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Ford Aspire.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability insurance

This coverage protects you from damage or injury you incur to other people or property that is your fault. It protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things such as structural damage, court costs, medical expenses, funeral expenses and loss of income. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as fire damage, rock chips in glass, hitting a bird and damage from getting keyed. The most your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as X-ray expenses, hospital visits and dental work. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

Collision insurance pays to fix your vehicle from damage caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like scraping a guard rail, crashing into a building and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Take this to the bank

When getting auto insurance quotes online, don’t be tempted to skimp on coverage in order to save money. There are too many instances where an insured dropped liability limits or collision coverage to discover at claim time that it was a big mistake. Your focus should be to buy enough coverage at the best price, but do not skimp to save money.

We just presented some good ideas how to lower your 1996 Ford Aspire insurance premium rates. The most important thing to understand is the more providers you compare, the better your chances of lowering your prices. Consumers could even find that the best price on insurance is with a smaller regional carrier. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as Progressive or Geico.

More tips and info about insurance can be found by following these links:

• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Neck Injury FAQ (iihs.org)
• Things to Know Before you Cancel Insurance (Allstate)
• Driving in Bad Weather (Insurance Information Insitute)