1998 Ford Contour SVT Insurance Quotes – 7 Discounts for Cheapest Rates

Consumers have a choice when looking for low-cost Ford Contour SVT insurance. They can either spend hours driving around to compare prices or use the internet to get rate quotes. There is a better way to compare insurance rates so you’re going to learn the absolute fastest way to get price quotes for a Ford and find the lowest price from local insurance agents and online providers.

If you have insurance now or are looking for a new policy, you can use these tips to get lower rates and still get good coverage. This article will teach you the best way to quote coverages. Drivers only need an understanding of how to get comparison rates on the web.

Compare Quotes for Insurance

Finding lower insurance rates isn’t really that difficult. All you need to do is spend a little time to get quotes from different insurance companies. This is very easy and can be done in just a few minutes using one of these methods.

  1. Probably the best way consumers can make multiple comparisons is to use a rate comparison form click to view form in new window. This type of form prevents you from having to do repetitive form entry for every insurance company. A single form gets you price quotes from several companies. Just one form and you’re done.
  2. A less efficient way to find lower rates is going to the website for every company you want to comare to request a price quote. For example, we’ll pretend you want rates from Allstate, GEICO and Travelers. To get each rate you have to spend time on each company’s site to enter your coverage information, which is why the first method is quicker.

    For a list of links to insurance companies in your area, click here.

  3. The hardest way to get comparison rates is to spend time driving to and from local insurance agencies. The ability to buy insurance online eliminates the need for an insurance agent unless you have a need for the professional guidance of a licensed agent. It is possible to comparison shop your insurance online and get advice from an agent in your area. We’ll cover that shortly.

Whichever way you use, be sure to compare exactly the same coverages on every quote you get. If the quotes have differing limits you can’t possibly determine which rate is truly the best.

Can switching companies really save?

Drivers can’t ignore all the ads for cheaper car insurance from the likes of Progressive, GEICO, Allstate and State Farm. All the companies make an identical promise that you’ll save big after switching your coverage to them.

But how can every company say the same thing?

All companies have a certain “appetite” for the type of driver they prefer to insure. For example, a profitable customer might be profiled as between the ages of 30 and 50, has no tickets, and has a short commute. A propective insured who fits that profile receives the best rates and as a result will probably cut their rates substantially.

Potential customers who are not a match for this ideal profile will be quoted more money which usually ends up with business not being written. The ads state “people who switch” not “everyone that quotes” save money. This is how companies can truthfully make those claims. This emphasizes why you should get as many quotes as possible. It’s just too difficult to predict which company will fit your personal profile best.

Best discounts on Ford Contour SVT coverage

Companies offering auto insurance don’t list every available discount very well, so we break down both the well known as well as the least known ways to save on insurance coverage. If you don’t get every credit available, you’re paying more than you need to.

  • Life Insurance – Some companies give a break if you buy a life insurance policy as well.
  • Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts may earn rate discounts up to 30%.
  • Early Switch Discount – Select companies give a discount for signing up prior to your current policy expiring. It’s a savings of about 10%.
  • Seat Belts Save – Requiring all passengers to use a seat belt could cut 10% or more on the medical payments or PIP coverage costs.
  • Sign Online – A few companies will give a small break for buying a policy and signing up digitally online.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to take driver’s ed class if offered at their school.
  • Drive Less and Save – Driving fewer miles could be rewarded with better rates on cars that stay parked.

Keep in mind that most discount credits are not given to the entire policy premium. Most only reduce the cost of specific coverages such as liability, collision or medical payments. Just because you may think having all the discounts means you get insurance for free, it just doesn’t work that way.

A partial list of companies who might offer these money-saving discounts may include but are not limited to:

Double check with each company how you can save money. Savings may not be available in your state.

Tailor your coverage to you

When it comes to choosing the right insurance coverage, there is no perfect coverage plan. Everyone’s needs are different.

Here are some questions about coverages that might point out whether your personal situation might need an agent’s assistance.

  • Do I have any recourse if my insurance company denies a claim?
  • Am I covered if I wreck a rental car?
  • What is the ISO rating for a 1998 Ford Contour SVT?
  • Who is covered when they drive my 1998 Ford Contour SVT?
  • Am I covered when driving someone else’s vehicle?
  • Why does it cost so much to insure a teen driver?
  • Why am I required to buy high-risk coverage?
  • What is no-fault insurance?
  • Should I have combined single limit or split liability limits?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and can help protect your family.

Auto insurance coverages

Having a good grasp of your insurance policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a bird, fire damage, hitting a deer and damage from flooding. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto liability insurance – This coverage can cover damage that occurs to a person or their property in an accident. It protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage protects against things like medical services, structural damage and court costs. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – This coverage provides protection when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Ford Contour SVT.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance pay for bills for pain medications, dental work, rehabilitation expenses and surgery. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Collision coverages – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like sustaining damage from a pot hole, rolling your car, hitting a mailbox and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Quote more. Save more.

Drivers leave their current company for a variety of reasons including poor customer service, extreme rates for teen drivers, delays in paying claims and even lack of trust in their agent. It doesn’t matter why you want to switch finding a new company is pretty simple and you could end up saving a buck or two.

In this article, we presented a lot of information how to compare 1998 Ford Contour SVT insurance prices online. The key thing to remember is the more rate comparisons you have, the better your comparison will be. You may even discover the lowest rates come from an unexpected company.

As you shop your coverage around, it’s a bad idea to skimp on coverage in order to save money. There are many occasions where drivers have reduced physical damage coverage only to find out that their decision to reduce coverage ended up costing them more. The aim is to get the best coverage possible at an affordable rate while not skimping on critical coverages.

Additional detailed information is available in these articles: