View 2000 Ford Contour Car Insurance Quotes

Searching for cheaper insurance for a Ford Contour can turn out to be a painful process, but you can follow a few tricks to save time.

There is a right way and a wrong way to shop for car insurance so we’re going to tell you the absolute fastest way to quote coverages for a new or used Ford and obtain the lowest price.

Consumers need to price shop coverage on a regular basis because car insurance prices are rarely the same from one policy term to another. If you had the lowest rates on Contour insurance a few years ago there is a good chance you can find better rate quotes now. Block out anything you think you know about car insurance because we’re going to demonstrate the quickest way to find great coverage at a great price.

If you have a policy now or need new coverage, you can use these techniques to find the best rates while maintaining coverages. Locating cheaper coverage is easy if you know what you’re doing. Drivers only need to know the best way to buy insurance coverage over the internet.

These discounts can lower car insurance rates

Properly insuring your vehicles can get expensive, but you might be missing out on some discounts that could help you make your next renewal payment. Some of these disounts will be visible when you purchase, but some discounts are required to be asked for before you will receive the discount. If you do not double check each discount you deserve, you’re just leaving money on the table.

• Bundle and Save – If you have multiple policies with one company they may give you a discount of up to 20% off your total premium.
• Responsible Driver Discount – Safe drivers can save as much as half off their rates on Contour insurance compared to rates paid by drivers with frequent claims.
• Military Deployment Discount – Being deployed in the military could be rewarded with lower premium rates.
• Anti-lock Brakes – Cars with ABS and/or traction control can stop better under adverse conditions and will save you 10% or more.
• Multiple Cars – Buying coverage for multiple cars or trucks on one policy can get a discount on all vehicles.

As a sidenote, most credits do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like you could get a free car insurance policy, car insurance companies aren’t that generous.

A few of the larger companies and the discounts they provide are detailed below.

• State Farm offers discounts including good driver, multiple policy, anti-theft, safe vehicle, good student, and driver’s education.
• Geico offers discounts for anti-lock brakes, air bags, membership and employees, defensive driver, and military active duty.
• SAFECO has savings for teen safety rewards, anti-lock brakes, accident prevention training, anti-theft, homeowner, multi-car, and safe driver.
• Farmers Insurance discounts include alternative fuel, youthful driver, early shopping, teen driver, switch companies, and homeowner.
• AAA offers premium reductions for pay-in-full, education and occupation, multi-policy, good student, and AAA membership discount.
• USAA may offer discounts for safe driver, driver training, defensive driver, military installation, family discount, multi-vehicle, and new vehicle.

It’s a good idea to ask all the companies to apply every possible discount. Discounts might not be offered on policies in your area. If you would like to choose from a list of companies with discount rates, follow this link.

How to compare free auto insurance quotes

Finding a lower price on 2000 Ford Contour insurance is an easy way to save money. The only requirement is to take the time comparing price quotes from different insurance companies. This can be accomplished using a couple different methods.

• The first (and easiest) way consumers can analyze rates is a comparison rater form click here to open form in new window. This style of form keeps you from doing a different quote for each company. One form gets you coverage quotes instantly. This is by far the quickest method.
• A more time consuming way to get quotes online is spending the time to visit the website for every company you want to comare to complete a price quote. For instance, let’s say you want to compare rates from State Farm, Allstate and Liberty Mutual. In order to get each rate, you would have to visit each site to input your insurance information, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.
• The least recommended way to get rate quotes is going to insurance agencies in your area. The ability to get quotes online can eliminate the need for a local agent unless your situation requires the trained advice of an agent trained in personal lines coverage. It is possible with some companies compare online quotes and have a local agent actually service the policy.

You can use whichever method you prefer to find lower rates, just double check that you are using identical quote information with every price quote. If you are comparing mixed coverages you will not be able to make a fair comparison for your Ford Contour.

When do I need an agent’s advice?

When choosing the right insurance coverage, there really is not a one size fits all plan. Everyone’s situation is a little different.

For instance, these questions might point out whether or not you would benefit from professional advice.

• Does liability extend to a camper or trailer?
• When would I need rental car insurance?
• Should I buy full coverage?
• Should I carry comprehensive and collision coverage?
• What if I owe more than I can insure my car for?
• Does my insurance cover damage caused when ticketed for reckless driving?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and you can get the answers you need.

Insurance coverage breakdown

Having a good grasp of insurance aids in choosing which coverages you need for your vehicles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Liability coverage – This protects you from injuries or damage you cause to other people or property. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Some companies may use a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for claims such as pain and suffering, medical services, bail bonds, structural damage and legal defense fees. How much coverage you buy is your choice, but consider buying higher limits if possible.

Comprehensive insurance – This pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like damage from a tornado or hurricane, falling objects and a tree branch falling on your vehicle. The maximum payout your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage – This will pay to fix damage to your Contour resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like crashing into a ditch, colliding with a tree, rolling your car and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Ford Contour.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for medical expenses – Coverage for medical payments and/or PIP reimburse you for immediate expenses like nursing services, ambulance fees, dental work, rehabilitation expenses and funeral costs. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Shop. Compare. Save.

When you buy car insurance online, do not buy less coverage just to save a little money. In many instances, someone dropped liability coverage limits only to regret at claim time that the savings was not a smart move. The aim is to buy the best coverage you can find at the lowest possible cost, but do not sacrifice coverage to save money.

We covered a lot of tips how to compare 2000 Ford Contour insurance rates online. The key concept to understand is the more quotes you get, the better your chances of lowering your car insurance rates. Drivers may discover the lowest rates are with some of the lesser-known companies.

Cheap 2000 Ford Contour insurance can be purchased both online in addition to many insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance providers may not provide the ability to get quotes online and many times these small, regional companies provide coverage only through independent agents.

Additional detailed information is available by following these links:

• Rental Reimbursement Coverage (Allstate)
• Should I Buy a New or Used Car? (Allstate)
• How do I File a Claim? (Insurance Information Insitute)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)