1996 Ford Contour Insurance Rates

Do you get exhausted from scraping nickels together to pay high insurance coverage rates every month? You are in the same boat as most other people. Online insurance companies like Progressive, State Farm and Geico constantly blast consumers with ads and it is difficult to avoid their marketing magic and find the best price available.

It’s smart to check insurance coverage prices quite often because prices are constantly changing. If you had the best quotes for Contour insurance a year ago there is a good chance you can find better rates now. Forget all the misinformation about insurance coverage because you’re about to learn one of the easiest ways to save money, get proper coverage and the best rates.

How to get free auto insurance quotes online

Effectively comparing auto insurance prices can take time and effort if you don’t understand the easiest way. You can spend your afternoon discussing policy coverages with insurance agencies in your area, or you can utilize the internet for quick rates.

Many insurance companies participate in an industry program where prospective buyers submit one quote, and each participating company returns a competitive quote based on that information. This saves time by eliminating quote forms for every auto insurance company.

To find out how much you can save on auto insurance click here (opens in new window).

One minor caviat to pricing coverage this way is that you can’t choose the companies to receive prices from. If you would rather choose individual companies for rate comparison, we put together a list of companies who write auto insurance in your area. Click here for list of insurance companies.

It’s up to you which method you use, but do your best to use the exact same coverage information for every company. If you enter different values for each quote it will be impossible to determine the best price for your Ford Contour.

Tailor your insurance coverage to you

When buying the best insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is unique so your insurance should reflect that For instance, these questions can help discover whether your personal situation could use an agent’s help.

• I have good health insurance, so how much medical payments coverage do I need?
• Do I need replacement cost coverage on my 1996 Ford Contour?
• Do I need higher collision deductibles?
• Am I covered if I hit my neighbor’s mailbox?
• What can I do if my company won’t pay a claim?
• Does my policy pay for OEM or aftermarket parts?
• Why do I need rental car insurance?
• Can my teen drive my company car?
• Does having multiple vehicles earn me a discount?
• Does my insurance cover a custom paint job?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance coverage information

Knowing the specifics of a car insurance policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. These are the normal coverages available from car insurance companies.

Collision – This covers damage to your Contour resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as scraping a guard rail, hitting a mailbox and colliding with a tree. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Liability car insurance – Liability coverage protects you from injuries or damage you cause to people or other property in an accident. It protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

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 means a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as court costs, repair bills for other people’s vehicles and pain and suffering. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

UM/UIM Coverage – This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Ford Contour.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical costs insurance – Med pay and PIP coverage provide coverage for short-term medical expenses for hospital visits, ambulance fees and nursing services. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and also covers getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

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

Comprehensive coverage protects against claims such as damage from getting keyed, fire damage, theft, rock chips in glass and falling objects. The maximum payout a car 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 it’s probably time to drop comprehensive insurance.