Looking for cheaper car insurance rates for your Ford Contour? Finding cheaper insurance for a Ford Contour can be a painful process, but you can learn a few tricks and make it easy. There are more efficient ways to buy car insurance and we’ll show you the best way to quote coverages for a new or used Ford and get the lowest price from both online companies and local agents.
It’s a great practice to compare prices every six months due to the fact that insurance rates change frequently. Just because you had the lowest price on Contour insurance last year the chances are good that you can find a lower rate today. Starting now, forget anything you know (or think you know) about car insurance because we’re going to show you the things you must know in order to properly buy coverages and cut your premium.
Car insurance companies do not advertise every available discount very clearly, so here is a list both well-publicized and the more hidden discounts you could be receiving. If you’re not getting every credit available, you are paying more than you should be.
Keep in mind that some credits don’t apply the the whole policy. Most cut the price of certain insurance coverages like comprehensive or collision. So when the math indicates all the discounts add up to a free policy, you won’t be that lucky.
For a list of providers with discount auto insurance rates, click here to view.
Smart consumers have a good feel for the different types of things that play a part in calculating the price you pay for car insurance. Understanding what impacts premium levels helps enable you to make changes that may reward you with big savings.
When buying the right insurance coverage, there is no perfect coverage plan. Everyone’s situation is a little different.
Here are some questions about coverages that can aid in determining whether your personal situation may require specific advice.
If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, complete this form. It’s fast, free and can help protect your family.
Consumers get pounded daily by advertisements for cheaper car insurance by companies like State Farm and Allstate. They all seem to have a common claim that you can save if you move to them.
But how can every company claim to save you money?
Insurance companies can use profiling for the type of customer that is profitable for them. An example of a desirable insured could be over the age of 40, owns a home, and has a high credit rating. A driver who fits that profile is entitled to the best price and most likely will save quite a bit of money when switching.
Potential customers who don’t qualify for the “perfect” profile will have to pay more money and ends up with the driver buying from a lower-cost company. The ads state “people who switch” not “everybody who quotes” save that kind of money. This is how companies can truthfully make the claims of big savings. Because of the profiling, drivers must get as many quotes as possible. It’s just too difficult to predict the company that will fit your personal profile best.
Understanding the coverages of auto insurance aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.
Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as pain medications, rehabilitation expenses, funeral costs, doctor visits and chiropractic care. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage
This covers damage to your Contour caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.
Collision coverage pays for claims such as scraping a guard rail, rolling your car, colliding with a tree, crashing into a ditch and driving through your garage door. Collision coverage makes up a good portion of your premium, 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.
Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims like damage from a tornado or hurricane, falling objects, a tree branch falling on your vehicle and damage from getting keyed. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.
This provides protection from injuries or damage you cause to people or other property. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.
Liability coverage pays for claims such as funeral expenses, repair costs for stationary objects, structural damage, emergency aid and court costs. How much coverage you buy is your choice, but buy as high a limit as you can afford.
This coverage gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Ford Contour.
Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.
In this article, we presented some good ideas how you can compare 1998 Ford Contour insurance prices online. The most important thing to understand is the more you quote, the better your comparison will be. You may even discover the biggest savings come from a company that doesn’t do a lot of advertising.
Insureds change insurance companies for any number of reasons including an unsatisfactory settlement offer, being labeled a high risk driver, delays in paying claims and even high prices. Regardless of your reason for switching companies, finding the right auto insurance provider is less work than it seems.
The cheapest insurance is attainable on the web as well as from independent agents, and you should compare price quotes from both in order to have the best chance of saving money. Some companies don’t offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.
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