View 1999 Ford Contour Insurance Rates

Are you overwhelmed by the sheer number of car insurance companies in your area? You’re not alone. There are such a vast assortment of companies available that it can quickly become a chore to find the lowest price.

It’s a good habit to shop coverage around quite often because insurance rates are rarely the same from one policy term to another. Even if you got the best premium rates on Contour coverage at your last renewal other companies may now be cheaper. Ignore everything you know about car insurance because you’re about to find out the fastest way to lower your rates without sacrificing coverage.

If you have car insurance now, you will most likely be able to lower your premiums substantially using these techniques. The purpose of this article is to let you in on the best way to quote coverages. Although consumers do need to learn the way insurance companies market on the web.

How to shop insurance coverage online

There are a lot of ways you can shop for insurance coverage but there is one way that is easier and takes less work. You can spend your afternoon talking about coverages with insurance agencies in your area, or you could save time and use online quotes to achieve your goal.

Most car insurance companies participate in an industry program where prospective buyers send in one quote, and each participating company then returns a price quote based on that information. This saves time by eliminating repetitive form submissions for each company you want a rate for.

To access this free quoting program, click here (opens in new window).

The single downside to getting quotes like this is you cannot specify the companies you will receive quotes from. If you would rather choose specific insurance companies to compare rates, we have assembled a list of companies who write insurance coverage in your area. Click here to view list.

Compare rates however you want, just make sure you use equivalent quote data for every quote you compare. If the quotes have higher or lower deductibles you will not be able to make an equal comparison. Even a minor difference in insurance coverages or limits may result in a large different in cost. And when comparing insurance coverage rates, know that getting more free quotes helps increase your odds of locating the best offered rates.

Special considerations

When it comes to buying adequate coverage, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help highlight whether you might need an agent’s assistance.

• Do I have coverage when making deliveries for my home business?
• Is borrowed equipment or tools covered if stolen or damaged?
• What is no-fault insurance?
• Are there companies who specialize in insuring high-risk drivers?
• Do I have coverage when using my vehicle for my home business?
• Is a blown tire covered by insurance?
• Is my dog or cat covered if injured in an accident?
• Is my vehicle covered by my employer’s policy when using it for work?
• Is upholstery damage covered by car insurance?
• Do I benefit by insuring my home with the same company?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.

What insurance coverages do you need?

Understanding the coverages of your insurance policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist coverage

This gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your 1999 Ford Contour.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Liability car insurance

Liability coverage provides protection from damage or injury you incur to people or other property in an accident. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

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 limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things such as pain and suffering, loss of income, court costs and structural damage. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverage

This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as vandalism, hitting a deer, rock chips in glass and damage from flooding. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision insurance will pay to fix damage to your Contour caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as hitting a mailbox, crashing into a ditch and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as surgery, funeral costs and rehabilitation expenses. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants as well as getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible