Cheaper 1998 Ford Contour Car Insurance Quotes

Looking for the cheapest insurance coverage rates for your Ford Contour? Have you finally had enough of being strong-armed to buy insurance coverage? You are no different than the majority of other drivers. Companies like Progressive, Geico and Farmers Insurance continually hit you with ads and it can be hard to separate fact from fiction and take the time to shop coverage around.

If you have insurance now or are shopping for new coverage, you will benefit by learning to cut your premiums while maximizing coverage. Finding affordable coverage is not that difficult. Consumers just need to learn the best way to compare prices online.

Verify you’re applying every discount

Companies offering auto insurance don’t necessarily list every policy discount in a way that’s easy to find, so the list below gives a summary of some of the more common and the harder-to-find savings tricks you should be using when you buy insurance online. If you’re not getting every credit you deserve, you are just wasting money.

• Driver Education Discount – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.
• Discounts for Multiple Vehicles – Purchasing coverage when you have several vehicles with the same company could earn a price break for each car.
• Savings for New Vehicles – Insuring a vehicle that is new can save up to 30% since new vehicles have better safety ratings.
• Passive Restraints – Vehicles equipped with air bags or motorized seat belts may qualify for discounts of up to 25% or more.
• Responsible Driver Discounts – Drivers who avoid accidents may receive a discount up to 45% for Contour insurance than drivers with accidents.
• Homeowners Discount – Owning a house may earn you a small savings because owning a home requires personal responsibility.

Don’t be surprised that some credits don’t apply to all coverage premiums. Some only apply to specific coverage prices like medical payments or collision. So when the math indicates you would end up receiving a 100% discount, it doesn’t quite work that way.

Popular insurance companies and a partial list of their discounts are outlined below.

• State Farm may offer discounts for anti-theft, multiple autos, multiple policy, accident-free, and student away at school.
• American Family has discounts for accident-free, defensive driver, TimeAway discount, air bags, mySafetyValet, and good student.
• Geico offers premium reductions for air bags, seat belt use, defensive driver, federal employee, membership and employees, anti-theft, and emergency military deployment.
• 21st Century may include discounts for good student, student driver, theft prevention, 55 and older, homeowners, and defensive driver.
• Progressive policyholders can earn discounts including continuous coverage, online quote discount, online signing, good student, multi-policy, and homeowner.

When comparing rates, check with each company which credits you are entitled to. Some discounts listed above may not apply in every state. To choose insurers who offer free insurance quotes, click here to view.

Free auto insurance price quotes

There are a variety of methods you can shop for auto insurance and some are more efficient than others. You could waste time driving to insurance companies in your area, or you could use the web to get the quickest rates.

Most of the best insurance companies participate in a marketplace that enables customers to complete one form, and at least one company returns a competitive quote determined by their information. This prevents consumers from doing form submissions for each company you want a rate for.

To fill out one form to compare multiple rates now click here to open in new window.

The single downside to pricing coverage this way is that consumers can’t choose which insurance companies you will receive quotes from. So if you want to choose from a list of companies to request quotes from, we have a listing of low cost auto insurance companies in your area. Click here to view list.

It’s up to you which method you use, but make sure you are using the same coverage limits for each price quote. If you use mixed coverages it’s impossible to find the best deal for your Ford Contour.

Components of your Ford Contour insurance premiums

Multiple criteria are taken into consideration when pricing auto insurance. Some are pretty understandable like your driving record, but other factors are not quite as obvious like where you live and annual miles driven.

• Cheaper rates by bundling – Most larger insurance companies will award discounts to buyers who consolidate policies with them such as combining an auto and homeowners policy. The discount can be ten percent or more. Even with this discount, it’s still a good idea to compare other company rates to help guarantee you have the best rates.
• The more you drive the more you pay – The more miles you rack up on your Ford in a year the more you’ll pay to insure your vehicle. A lot of companies price each vehicle’s coverage based on how the vehicle is used. Cars and trucks not used for work or commuting can get a lower rate than vehicles that are driven to work every day. Incorrect rating for your Contour may be costing you. Verify your insurance policy states the correct usage.
• Raising comp and collision deductibles lowers prices – Insurance for physical damage to your car, also called comprehensive and collision insurance, is used to repair damage to your vehicle. Examples of some claims that would be covered could be colliding with a building, hail damage, and having your car stolen. The deductibles you choose are how much you are willing to pay before a claim is paid by your company. The more expense you are required to pay out-of-pocket, the less your insurance will be for Contour insurance.
• Credit rating impacts costs – Having a good credit score can be an important factor in determining what you pay. So if your credit could use some work, you could save money insuring your 1998 Ford Contour by taking the time to improve your credit score. People that have very good credit scores tend to file fewer claims and have better driving records than drivers with lower ratings.

When should I discuss my situation with an agent?

When it comes to choosing coverage, there really is not a cookie cutter policy. Every insured’s situation is different so your insurance needs to address that. For instance, these questions can aid in determining whether you might need professional guidance.

• When should my teen driver be added to my policy?
• Why am I be forced to buy a membership to get insurance from some companies?
• Am I covered if I drive in a foreign country?
• Does my car insurance cover rental cars?
• Is business property covered if stolen from my car?
• Do I need replacement cost coverage on my 1998 Ford Contour?
• Does my 1998 Ford Contour need full coverage?
• Does having multiple vehicles earn me a discount?
• What vehicles should carry emergency assistance coverage?
• What companies insure drivers after a DUI or DWI?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Can you really save $408 a year?

Consumers can’t escape the ads that claim the lowest premium rates from the likes of Geico, State Farm and Progressive. All the ads convey the message that drivers can save some big amount if you just switch your coverage to them.

How do they all have lower policy pricing? It’s all in the wording.

Companies have a certain “appetite” for the type of driver that will generate a profit. An example of a desirable insured may be over the age of 50, has never had a claim, and drives a safe vehicle. A customer that matches those criteria will get the preferred car insurance rates and will probably save a lot if they switch.

Insureds who cannot meet the requirements may be forced to pay a higher rate which leads to business not being written. The trick companies use is to say “customers who switch” not “everyone who quotes” save money. That’s the way insurance companies can confidently lure you into getting a quote. Because of the profiling, drivers must get a wide range of price quotes. It’s just not possible to know which insurance companies will have the best rates.

Coverage specifics

Knowing the specifics of your policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages available from auto insurance companies.

Liability coverages

Liability coverage can cover damages or injuries you inflict on other people or property in an accident. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

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. You might see limits of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims like medical expenses, medical services, repair costs for stationary objects, bail bonds and structural damage. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like vandalism, hail damage, a tree branch falling on your vehicle, damage from a tornado or hurricane and a broken windshield. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto collision coverage

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like damaging your car on a curb, sideswiping another vehicle, colliding with a tree and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for immediate expenses like pain medications, doctor visits, dental work and funeral costs. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and also any damage incurred to your Ford Contour.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Spend less. Save more.

As you go through the steps to switch your coverage, make sure you don’t skimp on coverage in order to save money. There have been many situations where someone sacrificed collision coverage to discover at claim time they didn’t purchase enough coverage. Your aim should be to get the best coverage possible at the best cost while not skimping on critical coverages.

Cheaper 1998 Ford Contour insurance can be sourced on the web as well as from insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance providers may not have price quotes online and many times these small insurance companies prefer to sell through independent agents.

More tips and info about insurance is located in these articles:

• Rollover Crash FAQ (iihs.org)
• Car Insurance: When not to Skimp (BankRate.com)
• Vehicle Safety Ratings (iihs.org)
• Understanding Limits and Deductibles (Allstate)
• Learn About Car Insurance (Geico)