View 1998 Ford Contour SVT Insurance Cost

Trying to find lower auto insurance rates for your Ford Contour SVT? When trying to find lower-priced insurance, are you intimidated by the dozens of auto insurance sources? vehicle owners have so many sources to choose from that it can quickly become a real hassle to find better auto insurance rates.

Discount car insurance rates

Some companies don’t always publicize all disounts in an easy-to-find place, so the list below contains a few of the more common as well as the least known credits that you can use to lower your rates. If you’re not getting every credit possible, it’s possible you qualify for a lower rate.

• Accident-Free Discounts – Drivers with accident-free driving histories can earn big discounts compared to drivers with a long claim history.
• Driver Training Discounts – Successfully completing a class that teaches safe driver techniques could earn you a small percentage discount if you qualify.
• Military Rewards – Having a deployed family member could mean lower premium rates.
• Government Employees – Having worked for a branch of the government can earn a discount up to 10% for Contour SVT insurance with some car insurance companies.
• Student in College – Any of your kids who are attending college and do not have access to a covered vehicle could get you a discount.

One thing to note about discounts is that most discount credits are not given to your bottom line cost. Most cut the price of certain insurance coverages like liability and collision coverage. Just because it seems like all the discounts add up to a free policy, you’re out of luck.

To find insurance companies who offer car insurance discounts, click this link.

Buy more affordable insurance with these tips

Many factors are part of the calculation when premium rates are determined. Some are pretty understandable like an MVR report, although others are not as apparent such as your credit history and annual miles driven.When buying insurance it’s important to understand the rating factors that play a part in calculating the level of your policy premiums. When consumers understand what influences your rates, this empowers consumers to make smart changes that could result in better insurance rates.

• A policy lapse can increase prices – Not having insurance is a big no-no and you may have a hard time finding new coverage because you let your coverage lapse. Not only will rates go up, not being able to provide proof of insurance may result in fines and jail time. You may then be required to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
• Insurance claims cost money – If you frequently file small claims, you can look forward to much higher rates or policy non-renewal. Companies provide lower rates to drivers who do not file claims often. Auto insurance is intended for claims that you cannot pay yourself.
• High premiums for teenage drivers – Mature drivers are proven to be safer behind the wheel, tend to file fewer claims .Beginning drivers are known to be easily distracted when driving and because of this, their insurance rates are much higher.
• Does your employer raise your insurance rates? – Careers such as military personnel, social workers and dentists have higher premiums than the average policyholder attributed to stressful work requirements and long work hours. On the other hand, professions such as scientists, historians and homemakers pay lower than average rates for Contour SVT insurance.
• Gals tend to cost less – Over the last 50 years, statistics have shown women are more cautious behind the wheel. However, don’t assume that men are worse drivers. Males and females have at-fault accidents at a similar rate, but guys cause more damage and cost insurance companies more money. They also get ticketed for serious violations such as reckless driving.
• Safeguard your assets with liability insurance – Liability coverage will afford coverage when you are determined to be liable for damages from an accident. It provides for a legal defense which can cost thousands of dollars. This coverage is very inexpensive compared to comp and collision, so buy as much as you can afford.

Tailor your insurance coverage to you

When it comes to buying the best insurance coverage for your vehicles, there really is not a perfect coverage plan. Every insured’s situation is different.

These are some specific questions can help discover whether your personal situation would benefit from an agent’s advice.

• Am I covered if I break a side mirror?
• Does liability extend to a camper or trailer?
• Am I covered if I drive in a foreign country?
• What if I don’t agree with a claim settlement offer?
• Are all vehicle passengers covered by medical payments coverage?
• Is my babysitter covered when using my vehicle?
• Does my insurance cover my expensive audio equipment?
• When can I cancel my policy?
• Am I covered if I crash into my own garage door?
• Does insurance cover damages from a DUI accident?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form.

Car insurance coverages for a 1998 Ford Contour SVT

Having a good grasp of your policy can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Collision protection

Collision coverage will pay to fix damage to your Contour SVT resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like damaging your car on a curb, sustaining damage from a pot hole, scraping a guard rail and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Liability insurance

Liability coverage provides protection from damages or injuries you inflict on people or other property. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims like emergency aid, funeral expenses, loss of income and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like hitting a deer, vandalism and hitting a bird. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist 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 as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as EMT expenses, nursing services, chiropractic care and X-ray expenses. They are often used in conjunction with a health insurance program or if you do not have health coverage. They cover you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Best coverage at the best price

Throughout this article, we presented a lot of information how to lower your 1998 Ford Contour SVT insurance prices. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even discover the best price on auto insurance is with the smaller companies.

People who switch companies do it for a number of reasons such as policy cancellation, not issuing a premium refund, extreme rates for teen drivers or delays in paying claims. Whatever your reason, finding the right auto insurance provider can be easier than you think.

Lower-priced 1998 Ford Contour SVT insurance is possible online and with local insurance agents, so you should compare both in order to have the best price selection to choose from. Some insurance companies do not offer the ability to get a quote online and usually these smaller companies prefer to sell through local independent agencies.

Additional detailed information can be found in the articles below:

• Electronic Stability Control FAQ (iihs.org)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• Bodily Injury Coverage (Liberty Mutual)
• Neck Injury FAQ (iihs.org)