1999 Ford Contour SVT Car Insurance Cost

Buyers have a choice when searching for the best price on Ford Contour SVT insurance. They can either spend hours contacting agents to get rate comparisons or use the internet to compare rates. There is a right way and a wrong way to shop for auto insurance so we’re going to tell you the quickest way to get price quotes on a Ford and find the lowest price.

Do you qualify for discount car insurance?

Companies don’t always advertise all their discounts very well, so the next list breaks down both well-publicized and also the more inconspicuous car insurance savings.

• Driver Training Discounts – Successfully completing a course that instructs on driving safety may get you a small discount if your company offers it.
• Drivers Ed for Students – Cut your cost by having your teen driver successfully complete driver’s ed class as it can save substantially.
• Good Student – Maintaining excellent grades may save as much as 25% on a auto insurance quote. Earning this discount can benefit you up to age 25.
• Telematics Discount – Insureds who allow driving data collection to spy on driving patterns through the use of a telematics system such as Allstate’s Drivewise and State Farm’s In-Drive system may get a rate reduction if they have good driving habits.
• Seat Belts Save – Using a seat belt and requiring all passengers to buckle their seat belts could cut 10% or more on medical payment and PIP coverage.
• Bundle and Save – If you can bundle your auto and homeowners insurance with one insurance company they may give you a discount of up to 20% off your total premium.
• Save with a New Car – Insuring a vehicle that is new can cost up to 25% less compared to insuring an older model.
• Save with More Vehicles Insured – Buying a policy with multiple cars with one company may reduce the rate for each vehicle.
• First Accident Forgiveness – Not really a discount, but companies like Allstate and Progressive will allow you to have one accident before raising your premiums if your claims history is clear for a particular time prior to the accident.
• Low Miles Discount – Fewer annual miles on your Ford could earn lower prices due to less chance of an accident.

Don’t be surprised that most discount credits are not given to the entire cost. Most only reduce individual premiums such as physical damage coverage or medical payments. So when the math indicates you can get free auto insurance, it doesn’t quite work that way. But all discounts should help lower your policy premiums.

If you would like to view insurers that offer the discounts shown above, click here to view.

The best way to compare policy rates is to take advantage of the fact most larger insurance companies actually pay money for the chance to provide you with a free rate quote. To start a quote, the only thing you need to do is provide a little information including if you are currently licensed, if you went to college, which vehicles you own, and whether you are single or married. The data is instantly sent to many highly-rated insurers and you will receive price estimates instantly.

To start a rate quote now, click here then complete the form.

What insurance coverages do I need?

When it comes to buying the best insurance coverage coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For example, these questions might help in determining if your situation might need an agent’s assistance.

• What can I do if my company won’t pay a claim?
• Do I have coverage when making deliveries for my home business?
• When would I need additional glass coverage?
• Do I need roadside assistance coverage?
• Is my vehicle covered by my employer’s policy when using it for work?
• Will I be non-renewed for getting a DUI or other conviction?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and can help protect your family.

Coverage specifics

Understanding the coverages of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as pain medications, X-ray expenses, EMT expenses and nursing services. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Liability coverages

Liability coverage will cover injuries or damage you cause to people or other property that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, 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 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage protects against things like emergency aid, repair bills for other people’s vehicles, repair costs for stationary objects, bail bonds and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Auto collision coverage

This will pay to fix damage to your Contour SVT resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as hitting a mailbox, backing into a parked car, damaging your car on a curb and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family and damage to your Ford Contour SVT.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Comprehensive insurance

This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as falling objects, vandalism and hitting a deer. The maximum amount a 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 not worth carrying full coverage.

Affordable insurance is out there

Some companies don’t offer internet price quotes and many times these small insurance companies provide coverage only through independent insurance agents. Cheap 1999 Ford Contour SVT insurance is available on the web in addition to many insurance agents, and you need to price shop both in order to have the best price selection to choose from.

We just showed you some good ideas how to save on 1999 Ford Contour SVT insurance. It’s most important to understand that the more rate quotes you have, the better your comparison will be. Consumers could even find that the lowest prices are with a small local company.

As you quote auto insurance, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many instances, drivers have reduced comprehensive coverage or liability limits only to regret at claim time that they should have had better coverage. Your goal should be to purchase a proper amount of coverage at an affordable rate but still have enough coverage for asset protection.

For more information, take a look at the following helpful articles:

• Young Drivers: The High Risk Years Video (iihs.org)
• Auto Insurance FAQ (Farmers Insurance)
• Rental Reimbursement Coverage (Allstate)
• Auto Theft Statistics (Insurance Information Insitute)