View 1995 Ford Contour Car Insurance Cost

Searching for better auto insurance rates for your Ford Contour? Scraping up a payment for overpriced Ford Contour insurance can drain your personal savings and make it impossible to make ends meet. Shopping your coverage around is a great way to slash your bill and have more diposable income. Big-name insurance companies like Allstate, Liberty Mutual and State Farm all claim big savings with catchy ads and it can be hard to not get sucked in by the cute commercials and do the work needed to find the best deal.

It’s smart to shop coverage around once or twice a year because insurance rates change regularly. If you had the best deal on Contour insurance a year ago there is a good chance you can find better rates now. There is a lot of bad advice regarding auto insurance online, so we’re going to give you some solid techniques on how to slash your auto insurance rates.

If you are insured now or need a new policy, you can follow these tips to get lower rates and still get good coverage. Finding affordable coverage is not that difficult. Drivers only need to know the proper methods to get comparison quotes online.

Lesser-known factors impacting Ford Contour insurance rates

Smart consumers have a good feel for the different types of things that go into determining the rates you pay for auto insurance. Understanding what impacts premium levels empowers consumers to make smart changes that could result in big savings.

Listed below are some of the factors used by your company to calculate premiums.

  • Lower miles equals lower premium – Driving more miles in a year’s time the higher your rate. Most insurance companies apply a rate based on how the vehicle is used. Autos that are left in the garage can get a lower rate compared to those used for work or business. Verify your auto insurance coverage is rated on the proper vehicle usage, because it can save money. If your policy improperly rates your Contour may be wasting your money.
  • Your credit rating is important – Your credit score is a important factor in your rate calculation. Therefore, if your credit is lower than you’d like, you could potentially save money when insuring your 1995 Ford Contour by repairing your credit. People with high credit scores tend to be more responsible as compared to drivers with poor credit.
  • Poor driving leads to higher costs – A bad driving record impacts your car insurance rates tremendously. Drivers who don’t get tickets get better rates than their less careful counterparts. Even one speeding ticket can bump up the cost forty percent or more. If you have dangerous violations such as DUI or reckless driving may find they need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to prevent a license revocation.
  • Where you reside plays a part – Residing in a small town can save you money when talking about auto insurance. City drivers have to deal with traffic congestion and much longer commute distances. Fewer drivers means a lower chance of having an accident and also fewer theft and vandalism claims.
  • Discounts for multiple policies – Most insurance companies give discounts to insureds who buy several policies from them, otherwise known as a multi-policy discount. If you currently are using one company, it’s still a good idea to compare rates to make sure you are getting the best deal.

Where Can I Get Cheap Insurance?

There are multiple methods to shop for 1995 Ford Contour insurance, but one way is less time-consuming than others. You could spend your day talking about coverages with agents in your area, or you could save time and use online quoting to achieve your goal.

Most of the larger companies take part in a program where prospective buyers enter their policy data once, and each company returns a competitive quote based on that information. This saves time by eliminating form submissions for each company.

To find out how much you can save on insurance click here (opens in new window).

The one disadvantage to using this type of system is you are unable to specify the insurers you want to price. So if you want to choose specific providers to receive pricing from, we have a listing of companies who write insurance in your area. Click here to view list.

However you get your quotes, make sure you use the exact same information for every quote you compare. If your comparisons have mixed coverages it will be next to impossible to make an equal comparison.

Misconceptions in car insurance advertisements

Drivers constantly see and hear ads for cheaper car insurance from the likes of 21st Century, Allstate and State Farm. All the ads have a common claim of big savings after switching your coverage to them.

How do they all say the same thing? This is how they do it.

Different companies have a preferred profile for the right customer they prefer to insure. An example of a driver they prefer might be between the ages of 30 and 50, is a homeowner, and drives less than 7,500 miles a year. A customer getting a price quote who matches those parameters will qualify for the lowest rates and therefore will save quite a bit of money when switching.

Consumers who don’t qualify for the “perfect” profile must pay a higher premium and ends up with the customer not buying. The ads say “people who switch” not “people who quote” save that much money. That is how companies can truthfully make those claims. This illustrates why drivers must compare many company’s rates. It’s not possible to predict which car insurance company will fit your personal profile best.

Lower rates by qualifying for discounts

Companies offering auto insurance don’t list all their discounts very clearly, so the following is a list of some of the more common and the harder-to-find savings tricks you should be using. If you’re not getting every credit you qualify for, you are throwing money away.

  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can avoid accidents and will save you 10% or more.
  • No Charge for an Accident – Some insurance companies will allow you to have one accident without raising rates as long as you don’t have any claims prior to the accident.
  • Multi-policy Discount – If you have multiple policies with one company you may earn at least 10% off all policies.
  • Organization Discounts – Participating in a qualifying organization could trigger savings when shopping for car insurance on Contour insurance.
  • Own a Home – Simply owning a home may trigger a car insurance policy discount due to the fact that maintaining a home demonstrates responsibility.
  • Drive Safe and Save – Drivers who don’t get into accidents may save up to 50% more on Contour insurance than drivers with accidents.
  • No Accidents – Drivers who don’t have accidents can save substantially compared to accident-prone drivers.
  • Air Bag Discount – Factory air bags or motorized seat belts can get savings up to 30%.

Consumers should know that most credits do not apply to all coverage premiums. Most only reduce individual premiums such as collision or personal injury protection. Just because it seems like you would end up receiving a 100% discount, car insurance companies aren’t that generous.

For a list of insurance companies offering car insurance discounts, click here.

Car insurance is unique, just like you

When buying adequate coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions can help discover whether you might need an agent’s assistance.

  • How can I find cheaper teen driver insurance?
  • Is a new car covered when I drive it off the dealer lot?
  • Does my liability insurance cover pulling a trailer or camper?
  • What exactly is covered by my policy?
  • What is PIP insurance?
  • Is my 1995 Ford Contour covered for flood damage?
  • Do I need rental car coverage?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance companies in your area. It is quick, free and may give you better protection.

Coverages available on your insurance policy

Having a good grasp of insurance can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Below you’ll find typical coverage types found on most insurance policies.

Liability – Liability coverage will cover damage that occurs to a person or their property that is your fault. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things like medical expenses, legal defense fees and pain and suffering. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for rehabilitation expenses, prosthetic devices, hospital visits, nursing services and doctor visits. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Collision coverages – This covers damage to your Contour caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like rolling your car, crashing into a ditch, scraping a guard rail and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive protection – This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from getting keyed, a broken windshield, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Quote more, save more

Low-cost 1995 Ford Contour insurance is attainable both online in addition to many insurance agents, and you need to comparison shop both to have the best selection. A few companies do not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.

You just read many ideas to get a better price on insurance. The key concept to understand is the more quotes you get, the better likelihood of reducing your rate. Consumers may even find the best price on auto insurance is with a lesser-known regional company. Regional companies may only write in your state and offer lower rates as compared to the big name companies such as Allstate, GEICO and Progressive.

As you restructure your insurance plan, don’t be tempted to buy less coverage just to save a little money. There are a lot of situations where consumers will sacrifice collision coverage only to regret at claim time that the savings was not a smart move. The ultimate goal is to buy a smart amount of coverage at an affordable rate.

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