Save on 1996 Ford Aspire Insurance Rates

Searching for the cheapest car insurance rates for your Ford Aspire? Sick and tired of robbing Peter to pay Paul to pay your car insurance bill each month? Your situation is no different than many other consumers. Consumers have many car insurance companies to purchase coverage from, and although it’s nice to have multiple companies, lots of choices makes it harder to find the lowest cost provider.

Locating the cheapest coverage is quite easy. If you have a policy now or are just looking to switch companies, you can follow these tips to reduce the price you pay while maximizing coverage. Consumers just need to understand the proper way to compare price quotes on the web.

Take discounts and save

Properly insuring your vehicles can get expensive, but there are discounts available that you may not even be aware of. Certain discounts will be triggered automatically when you get a quote, but some may not be applied and must be specially asked for before they will apply. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • Early Signing – Some insurance companies reward drivers for switching to them before your current policy expires. This can save 10% or more.
  • Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
  • Service Members Pay Less – Having a family member in the military could be rewarded with lower premiums.
  • Club Memberships – Participating in a civic or occupational organization could qualify you for a break on car insurance on Aspire insurance.
  • Save with a New Car – Insuring a new car can be considerably cheaper since new cars are generally safer.
  • Federal Government Employee – Employees or retirees of the government can save as much as 8% on Aspire insurance with certain companies.

It’s important to note that most credits do not apply the the whole policy. Some only apply to the cost of specific coverages such as collision or personal injury protection. Just because it seems like having all the discounts means you get insurance for free, it just doesn’t work that way. Any qualifying discounts will cut your premiums.

A partial list of companies that may have these benefits include:

Double check with each company which discounts they offer. Discounts may not be available everywhere.

Which policy gives me the best coverage?

When buying proper insurance coverage for your vehicles, there really is not a one size fits all plan. Everyone’s situation is a little different so this has to be addressed. These are some specific questions can help discover whether or not you might need an agent’s assistance.

  • What is PIP insurance?
  • What if I don’t agree with a claim settlement offer?
  • Am I missing any policy discounts?
  • Do I have coverage if my license is suspended?
  • Can my teen drive my company car?
  • When can my company non-renew my policy?
  • Can I get a multi-policy discount?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • I don’t drive much so do I pay less?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area. It’s fast, free and you can get the answers you need.

Can you really save that much by switching?

Consumers can’t get away from ads for cheaper car insurance from companies such as GEICO, State Farm and Progressive. They all have a common claim of big savings if you move your policy.

How does each company make the same claim? It’s all in the numbers.

Different companies are able to cherry pick for the driver that makes them money. A good example of a preferred risk might be over the age of 40, has no prior claims, and chooses high deductibles. A customer that hits that “sweet spot” is entitled to the best price and most likely will cut their rates substantially.

Potential customers who are not a match for these standards will be quoted higher rates which leads to the driver buying from a lower-cost company. Company advertisements say “drivers who switch” but not “drivers who get quotes” save that kind of money. This is how companies can make those claims.

This emphasizes why you should get a wide range of price quotes. It’s impossible to know the company that will provide you with the cheapest Ford Aspire insurance rates.

Coverages available on your policy

Understanding the coverages of your insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages offered by insurance companies.

Comprehensive coverage – This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hitting a bird, a broken windshield and vandalism. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability auto insurance – Liability insurance will cover injuries or damage you cause to other’s property or people in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Another option is one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as bail bonds, repair costs for stationary objects, pain and suffering and attorney fees. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

Medical payments coverage and PIP – Med pay and PIP coverage provide coverage for expenses like ambulance fees, rehabilitation expenses and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your 1996 Ford Aspire.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits do not exceed the liability coverage limits.

Collision – This coverage pays for damage to your Aspire from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like driving through your garage door, sideswiping another vehicle, rolling your car and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to increase the deductible to bring the cost down.

Summing up your insurance coverage search

The cheapest 1996 Ford Aspire insurance is definitely available online and also from your neighborhood agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies may not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.

As you shop your coverage around, don’t be tempted to buy less coverage just to save a little money. There are too many instances where an insured cut uninsured motorist or liability limits and discovered at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to purchase plenty of coverage for the lowest price while still protecting your assets.

Additional information