1997 Ford Aspire Insurance Cost – 10 Ideas for Cheaper Prices

Trying to find better car insurance rates for your Ford Aspire? Scraping up a payment for high-priced Ford Aspire insurance can empty your budget and force you to tighten up your finances. Because you have many companies and agents to choose from, it can be diffult for drivers to locate the best car insurance provider.

Insurance coverage discounts are available to slash your rates

The price of auto insurance can be rather high, but you can get discounts that can help lower your rates. Certain discounts will be triggered automatically when you complete an application, but some discounts are required to be requested specifically prior to receiving the credit.

• New Vehicle Savings – Putting insurance on a new car can get you a discount because new vehicles keep occupants safer.
• Theft Prevention System – Cars and trucks equipped with anti-theft or alarm systems are stolen less frequently and can earn a small discount on your policy.
• Discounts for Good Drivers – Drivers who don’t get into accidents may receive a discount up to 45% on Aspire coverage than their less cautious counterparts.
• Driver Safety – Completing a safe driver course could cut 5% off your bill if your company offers it.
• Multi-Vehicle Discounts – Drivers who insure several vehicles with one company may reduce the rate for each vehicle.
• Resident Student – College-age children who are enrolled in higher education away from home and leave their car at home can be insured at a reduced rate.
• Passenger Safety Discount – Vehicles equipped with air bags or automatic seat belts can receive discounts of more than 20%.
• Accident Free – Drivers who stay claim-free can earn big discounts in comparison with frequent claim filers.
• Smart Student Discounts – A discount for being a good student can earn a discount of 20% or more. Most companies allow this discount well after school through age 25.
• Military Discounts – Being deployed in the military could trigger a small discount.

Please keep in mind that some of the credits will not apply to the entire cost. Most only apply to the cost of specific coverages such as collision or personal injury protection. If you do the math and it seems like you can get free auto insurance, it just doesn’t work that way.

Companies that may include these benefits include:

• Mercury Insurance
• Farmers Insurance
• Farm Bureau
• State Farm
• Allstate
• Geico

If you want cheaper car insurance quotes, ask each company or agent which discounts can lower your rates. Some of the earlier mentioned discounts might not be offered on policies in your area. If you would like to view insurance companies that offer many of these discounts, follow this link.

Everyone needs different insurance coverages

When buying the right insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions might point out if you may require specific advice.

• How can I force my company to pay a claim?
• Do I need PIP (personal injury protection) coverage in my state?
• Should I buy full coverage?
• Where can I find high-risk insurance?
• Should I waive the damage coverage when renting a car?
• Does my insurance cover my expensive audio equipment?
• What vehicles should carry emergency assistance coverage?
• Do I have any recourse if my insurance company denies a claim?
• I have health insurance so do I need medical payments coverage?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, complete this form or click here for a list of insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Ads can be misleading

Consumers can’t get away from ads that claim the best car insurance rates from companies such as Progressive, Allstate and Geico. They all seem to tend to make the same promise about saving some big amount if you just switch your insurance coverage policy to them.

But how can every company charge lower premium rates? Just pay attention to how they say it.

Different companies have strict underwriting profiles for the right customer that will generate a profit. An example of a profitable risk profile might have to be between 25 and 40, has no prior claims, and drives less than 10,000 miles a year. A customer getting a price quote who matches those parameters receives the best rates and will also save if they switch.

Potential customers who do not meet the “perfect” profile must pay higher premiums which usually ends up with the driver buying from a lower-cost company. The trick companies use is to say “drivers who switch” not “all people who quote” can save as much as they claim. That’s why insurance companies can state the savings. Each company has different criteria, so drivers must get a wide range of price quotes. It’s not possible to predict which insurance companies will fit you best based on your risk profile.

What auto insurance coverages do you need?

Having a good grasp of your policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverage types available from auto insurance companies.

Uninsured or underinsured coverage

This coverage provides protection when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as rolling your car, scraping a guard rail, crashing into a ditch, sustaining damage from a pot hole and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Auto liability

This coverage provides protection from injuries or damage you cause to a person or their property that is your fault. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability can pay for things like emergency aid, legal defense fees, medical expenses, repair costs for stationary objects and repair bills for other people’s vehicles. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Comprehensive protection

This coverage covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, vandalism, damage from a tornado or hurricane and falling objects. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like doctor visits, chiropractic care and funeral costs. They are often utilized in addition to your health insurance program or if you do not have health coverage. It covers both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Better coverage you can count on

Cost effective 1997 Ford Aspire insurance is attainable from both online companies as well as from independent agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies may not have online rate quotes and most of the time these smaller providers prefer to sell through independent agents.

When searching for inexpensive car insurance quotes, make sure you don’t buy poor coverage just to save money. There are a lot of situations where consumers will sacrifice collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. The aim is to buy a smart amount of coverage at the best possible price, not the least amount of coverage.

We just covered a lot of tips how to compare 1997 Ford Aspire insurance prices online. The key thing to remember is the more rate quotes you have, the better likelihood of getting cheap car insurance. You may even discover the best prices are with a lesser-known regional company. These smaller insurers can often insure niche markets at a lower cost than their larger competitors like State Farm, Geico and Nationwide.

Additional detailed information is available by following these links:

• Anti-Lock Brake FAQ (iihs.org)
• Speed and Speed Limit FAQ (iihs.org)
• Distracted Driving (Insurance Information Insitute)
• Uninsured Motorist Statistics (Insurance Information Insitute)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Vehicle Insurance (Wikipedia)