Lower Your 1996 Ford Contour Insurance Quotes

Feel like you’re a prisoner to an underperforming, overpriced car insurance policy? Trust us when we tell you there are lots of people in the same boat.

Companies like State Farm, Allstate, GEICO and Progressive continually bombard you with catchy ads and consumers find it hard to ignore the flashy ads and effectively compare rates to find the best deal.

Consumers should take time to check car insurance prices periodically since rates change regularly. Even if you think you had the lowest price on Contour coverage last year the chances are good that you can find a lower rate today. There is a lot of wrong information about car insurance online, so I’m going to show you some of the best ways to find affordable car insurance.

If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using these methods. Choosing the best insurance company for you is not rocket science. But vehicle owners must learn how big insurance companies market insurance on the web.

Quick Auto Insurance Quotes

To find the best auto insurance prices, there are several ways of comparing rates from different insurance companies. One of the best ways to compare 1996 Ford Contour insurance prices involves getting comparison quotes online. This can be done using a couple different methods.

One of the best ways to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This type of form eliminates the need for multiple quote forms for each company you want a rate for. One form will get you price quotes instantly.

A different way to compare rate quotes requires you to visit the website of each company and fill out their own quote form. For examples sake, we’ll pretend you want rates from Auto-Owners, Liberty Mutual and American Family. To find out each rate you need to spend time on each company’s site and enter your information, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.

It doesn’t matter which method you choose, just make sure you use identical coverage limits with each company. If you have different deductibles it will be impossible to make a fair comparison for your Ford Contour. Slightly different limits may result in large price differences. Just remember that more quotes helps locate the best rates.

Cut your insurance rates with discounts

Insuring your fleet can be pricey, but companies offer discounts to help bring down the price. Some trigger automatically when you get a quote, but a few must be inquired about before being credited.

  • Drivers Ed for Students – Require your teen driver to take driver’s ed class if it’s offered in school.
  • Multiple Policy Discount – If you have multiple policies with one company you could get a discount of approximately 10% to 15%.
  • New Vehicle Savings – Buying coverage on a new vehicle can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Payment Discounts – If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
  • One Accident Forgiven – Certain companies permit an accident before hitting you with a surcharge if you are claim-free for a certain period of time.
  • Homeowners Savings – Being a homeowner may earn you a small savings because of the fact that having a home requires personal responsibility.
  • Auto/Life Discount – Select insurance companies reward you with lower rates if you buy a life insurance policy as well.
  • College Student – Youth drivers who live away from home without a vehicle on campus can receive lower rates.

Drivers should understand that most of the big mark downs will not be given to the entire cost. Some only reduce specific coverage prices like comp or med pay. So even though it sounds like all the discounts add up to a free policy, it just doesn’t work that way. Any amount of discount will reduce the cost of coverage.

Companies that possibly offer these money-saving discounts are:

Check with each insurance company which discounts they offer. Savings might not apply in your state.

You are unique and your insurance should be too

When it comes to choosing proper insurance coverage, there isn’t really a “best” method to buy coverage. Every situation is different so your insurance needs to address that. Here are some questions about coverages that may help highlight whether your personal situation will benefit from professional help.

  • Will my rates increase for filing one claim?
  • Does my insurance cover my expensive audio equipment?
  • Do all my vehicles need collision coverage?
  • Will my insurance pay for OEM parts?
  • Why am I required to get a high-risk car insurance policy?
  • What is PIP insurance?
  • Can I afford to pay high deductible claims out of pocket?
  • Should I carry comprehensive and collision coverage?
  • Why is insurance for a teen driver so high?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Ford Contour rates influenced by many factors

An important part of buying insurance is that you know the factors that go into determining the rates you pay for insurance. Knowing what influences your rates empowers consumers to make smart changes that can help you get lower insurance prices.

  • Your location affects your rates – Being located in a rural area can be a good thing when it comes to insurance. Urban drivers have much more traffic and longer commute times. Lower population means a lower chance of having an accident.
  • Better credit scores mean better rates – Your credit score is a important factor in determining your rates. If your credit rating is lower than you’d like, you could be paying less to insure your 1996 Ford Contour by improving your rating. People with high credit scores tend to be more responsible as compared to drivers with poor credit.
  • Drive less and save money – Driving more miles in a year the higher your rates will be. Most insurance companies price each vehicle’s coverage based on their usage. Autos used primarily for pleasure use qualify for better rates than those used for commuting. Having the wrong rating on your Contour can result in significantly higher rates. Double check that your insurance coverage shows the proper vehicle usage.
  • Safer cars cost less to insure – Vehicles with good safety scores are cheaper to insure. Safe vehicles protect occupants better and better occupant protection means lower claim amounts passed on to you as lower rates. If your Ford Contour scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Bump up deductibles to save – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Ford from damage. Some instances where coverage would apply are colliding with a building, vandalism, and windstorm damage. Your deductibles are the amount of money you are willing to pay if you file a covered claim. The higher the amount you are required to pay out-of-pocket, the bigger discount you will receive on Contour coverage.
  • Claim-free discounts can add up – If you tend to file frequent claims, you can pretty much guarantee either higher rates or even cancellation. Companies award cheaper rates to policyholders who file claims infrequently. Car insurance is meant to be used in the event of the large, substantial claims.

Coverage specifics

Knowing the specifics of a auto insurance policy helps when choosing which coverages you need for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverages available from auto insurance companies.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive auto insurance – Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like vandalism, damage from a tornado or hurricane and rock chips in glass. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

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

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as repair bills for other people’s vehicles, medical expenses and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Collision coverages – This pays for damage to your Contour from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as hitting a mailbox, crashing into a building, sustaining damage from a pot hole, rolling your car and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Coverage for medical expenses – Coverage for medical payments and/or PIP kick in for short-term medical expenses for chiropractic care, dental work, rehabilitation expenses and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Save for a rainy day

Cost effective 1996 Ford Contour insurance can be bought both online in addition to many insurance agents, so compare prices from both to have the best rate selection. Some insurance companies do not provide online price quotes and these small, regional companies work with independent agents.

As you shop your coverage around, it’s not a good idea to skimp on coverage in order to save money. There have been many situations where someone dropped full coverage only to regret they didn’t have enough coverage. The ultimate goal is to buy the best coverage you can find at the best price, not the least amount of coverage.

We just covered quite a bit of information on how to get a better price on insurance. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. You may even discover the best price on car insurance is with a smaller regional carrier. Some small companies can often provide lower rates in certain areas compared to the large companies like Allstate, GEICO and Progressive.

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