2000 Ford Contour SVT Car Insurance Quotes

Do you get exhausted from wondering where the money will come from to buy insurance? Your situation is no different than most other consumers.

Popular companies such as State Farm, Allstate, Geico and Progressive increase brand awareness with TV and radio ads and it is difficult to ignore the flashy ads and take the time to shop coverage around.

It’s a great practice to shop coverage around every six months since rates are variable and change quite frequently. Just because you found the best premium rates for Contour SVT coverage a year ago there may be better deals available now. Forget anything you know (or think you know) about insurance because you’re going to learn one of the best ways to save on insurance.

Save money by taking advantage of discounts

The price of auto insurance can be rather high, but you might be missing out on some discounts to reduce the price significantly. Some discounts will apply at the time you complete a quote, but some must be specially asked for in order for you to get them. If you are not receiving all the discounts you qualify for, you are throwing money away.

• Accident Free – Drivers who don’t have accidents get the best car insurance rates in comparison to bad drivers.
• Federal Employees – Federal government employees could qualify for a slight premium decrease for Contour SVT coverage with certain companies.
• Multi-line Discount – Not all car insurance companies offer life insurance, but some may give you a small discount if you purchase auto and life insurance together.
• Air Bag Discount – Vehicles with factory air bags or automatic seat belts may earn rate discounts as much as 30%.
• One Accident Forgiven – This isn’t a discount exactly, but certain companies will allow you to have one accident before they charge you more for coverage so long as you are claim-free for a specific time period.
• Membership in Organizations – Having an affiliation with specific professional or occupational memberships or organizations could earn you a nice discount when shopping for car insurance.
• Active Military Service – Having a family member in the military can result in better prices.

Discounts save money, but please remember that most credits do not apply the the whole policy. Some only apply to individual premiums such as comp or med pay. Just because it seems like all the discounts add up to a free policy, you’re out of luck.

A few companies that have these money-saving discounts possibly include:

• Progressive
• SAFECO
• American Family
• MetLife
• Geico
• The Hartford

When quoting, ask each insurance company which discounts can lower your rates. Some credits might not apply in your area. To see a list of insurance companies that offer many of these discounts, click here to view.

How to shop insurance online

Effectively comparing insurance prices can be challenging if you don’t know the best way to get rate quotes. You could spend your day discussing policy coverages with insurance agencies in your area, or you can utilize the internet for quick rates.

Many insurance companies belong to an insurance system where insurance shoppers submit one quote, and each participating company can give them a price determined by their information. This system prevents you from having to do quotation requests to each individual insurance company.

To participate in this free quote system, click here to start a free quote.

The one disadvantage to pricing coverage this way is buyers cannot specifically choose which insurance companies to get pricing from. If you would rather choose specific providers to request quotes from, we have a page of the cheapest insurance companies in your area. View list of insurance companies.

Whichever way you choose to compare rates, double check that you are using identical coverages on every quote. If you enter different coverage information you will not be able to find the best deal for your Ford Contour SVT. Slightly different insurance coverages or limits may result in large price differences. And when comparison shopping, comparing more quotes helps you find the best rates.

How much insurance do I need?

When choosing coverage, there really is not a one size fits all plan. Everyone’s needs are different so this has to be addressed. Here are some questions about coverages that might help in determining if your situation may require specific advice.

• Which is better, split liability limits or combined limits?
• Do I need added coverage for expensive stereo equipment?
• Is my 2000 Ford Contour SVT covered for smoke damage?
• If I drive on a suspended license am I covered?
• Is my teenager covered with friends in the car?
• Is my teen driver covered when they drive my company car?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, complete this form or click here for a list of insurance companies in your area.

The coverage is in the details

Learning about specific coverages of your insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be ambiguous and coverage can change by endorsement. Shown next are the normal coverages found on most insurance policies.

Auto collision coverage

Collision insurance will pay to fix damage to your Contour SVT resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as crashing into a building, scraping a guard rail, driving through your garage door, backing into a parked car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as funeral costs, pain medications and rehabilitation expenses. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Ford Contour SVT.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Liability coverages

Liability insurance will cover damage or injury you incur to people or other property that is your fault. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

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 values of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things such as attorney fees, repair costs for stationary objects, structural damage and medical expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as hitting a bird, vandalism, fire damage, theft and hail damage. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Make an honest buck

As you prepare to switch companies, it’s very important that you do not buy lower coverage limits just to save a few bucks. Too many times, drivers have reduced liability coverage limits and learned later that they should have had better coverage. Your focus should be to get the best coverage possible at the best cost, not the least amount of coverage.

Cheaper insurance coverage is attainable both online in addition to many insurance agents, and you need to price shop both so you have a total pricing picture. Some insurance companies may not have the ability to get a quote online and most of the time these smaller companies sell through local independent agents.

Additional information

• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• Rental Reimbursement Coverage (Allstate)