Finding cheaper insurance for your Ford Contour can turn out to be a lot of work, but you can use these tips to save time. There is a better way to compare auto insurance rates and we’ll show you the absolute fastest way to quote coverages for a Ford and find the cheapest rates from local insurance agents and online providers.
Auto insurance companies don’t list all their discounts in a way that’s easy to find, so the following is a list of some of the best known and the harder-to-find savings tricks you should be using. If you aren’t receiving every discount you qualify for, you are paying more than you should be.
Drivers should understand that most credits do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like you could get a free insurance policy, it doesn’t quite work that way.
To see a list of insurers with discount insurance rates, click here to view.
When buying proper insurance coverage for your personal vehicles, there really is not a one size fits all plan. Every insured’s situation is different.
For example, these questions may help highlight whether your personal situation would benefit from professional advice.
If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form. It is quick, free and you can get the answers you need.
Learning about specific coverages of insurance can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring.
Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Ford Contour.
Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.
Collision coverages – Collision coverage covers damage to your Contour resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage pays for claims like rolling your car, backing into a parked car, crashing into a building, driving through your garage door and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.
Liability auto insurance – Liability coverage protects you from damages or injuries you inflict on other’s property or people that is your fault. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.
Liability coverage protects against things such as bail bonds, attorney fees, loss of income, pain and suffering and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.
Comprehensive coverages – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things such as hail damage, damage from flooding and hitting a bird. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Coverage for medical payments – Med pay and PIP coverage provide coverage for bills such as rehabilitation expenses, dental work, X-ray expenses and prosthetic devices. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible
As you go through the steps to switch your coverage, it’s very important that you do not reduce needed coverages to save money. In many instances, consumers will sacrifice uninsured motorist or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy the best coverage you can find at a price you can afford, not the least amount of coverage.
Throughout this article, we presented many ideas to reduce 1997 Ford Contour insurance prices online. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the biggest savings come from a small local company.
People change insurance companies for any number of reasons including high rates after DUI convictions, high prices, policy non-renewal and extreme rates for teen drivers. It doesn’t matter what your reason, switching car insurance companies is actually quite simple.
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