View 1999 Ford Contour SVT Insurance Quotes

Finding low-cost insurance for a Ford Contour SVT can normally be a lot of work, but you can follow these tips to save time. There is a right way and a wrong way to shop for insurance coverage and we’ll show you the quickest way to compare rates for a Ford and get the cheapest rates.

If you are insured now or need a new policy, you will benefit by learning to find better prices while maximizing coverage. Shopping for the lowest cost protection is easy if you know what you’re doing. Consumers only need to know how to compare prices over the internet.

Don’t pay full price with these discounts

Companies offering auto insurance don’t always publicize every available discount in an easy-to-find place, so we researched some of the best known as well as the least known insurance savings. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

  • Driver Safety – Taking a driver safety course can save you 5% or more depending on where you live.
  • Sign Early and Save – Select companies give a discount for switching policies before your current expiration date. It can save you around 10%.
  • Homeowners Savings – Owning a home can help you save on insurance because maintaining a house requires personal responsibility.
  • Organization Discounts – Participating in a professional or civic organization may earn a discount on your policy for Contour SVT insurance.
  • Passive Restraints – Cars that have air bags can receive discounts of more than 20%.
  • Military Discounts – Being deployed with a military unit may qualify for rate reductions.
  • E-sign – A few companies will discount your bill up to fifty bucks just for signing your application over the internet.
  • One Accident Forgiven – A handful of insurance companies permit an accident without raising rates if you are claim-free prior to the accident.
  • Seat Belts Save – Drivers who require all occupants to wear their seat belts can save 10% or more off the personal injury premium cost.
  • Student in College – Youth drivers who are attending college and do not have a car may be able to be covered for less.

It’s important to note that most credits do not apply to the entire cost. Some only reduce the price of certain insurance coverages like comprehensive or collision. Even though it may seem like you could get a free insurance policy, it doesn’t quite work that way.

For a list of insurance companies with discount insurance rates, click here to view.

Where Can I Get Cheap Auto Insurance?

Lowering your 1999 Ford Contour SVT auto insurance rates is surprisingly easy. The only thing you need to do is invest a few minutes comparing price quotes online with multiple companies. This is very easy and can be done in just a few minutes using one of these methods.

  1. The best way to compare a lot of rates at once would be an industry-wide quote request form (click to open form in new window). This form prevents you from having to do separate quotation requests for every auto insurance company. Completing one form gets rate comparisons from all major companies. It’s definitely the quickest method.
  2. Another way to find lower rates is to take the time to go to the website for every company you want to comare and fill out their own quote form. For examples sake, let’s say you want comparison quotes from Auto-Owners, Allstate and GMAC. To get each rate you have to visit each site and enter your policy data, which is why most consumers use the first method.

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

  3. The least efficient method to compare rates is to waste gas driving to different agent offices. The ability to buy insurance online makes this process obsolete unless you want the trained guidance of a local agent. However, consumers can get prices online but buy from a local insurance agent.

However you get your quotes, make darn sure you compare the exact same coverage information for each price quote. If you enter different deductibles you can’t possibly decipher which rate is best.

Ford Contour SVT insurance rates can be determined by these details

It’s important that you understand some of the elements that help determine the rates you pay for insurance. When you know what positively or negatively controls the rates you pay helps enable you to make changes that may reward you with better insurance rates.

  • Add-on coverages can add up – There are a lot of add-on coverages that can waste your money on your Contour SVT policy. Coverages for roadside assistance, accident forgiveness and motor club memberships are examples of these. These coverages may sound good at first, but if you don’t need them eliminate them to save money.
  • Bump up deductibles to save – Physical damage deductibles define the amount you are required to spend out-of-pocket if you file a covered claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some examples of claims that would be covered could be running into the backend of another car, vandalism, and burglary. The higher the amount the insured has to pay upfront, the bigger discount you will receive for Contour SVT insurance.
  • Allowing your policy to lapse raises rates – Having an insurance coverage lapse is a sure-fire way to pay more for insurance. And not only will insurance be more expensive, but being ticketed for driving with no insurance may earn you a hefty fine and possibly a revoked license.You may have to file a SR-22 with your state DMV.
  • Having a spouse can save you money – Having a wife or husband can actually save you money when buying insurance. Marriage usually means you are more responsible and it’s statistically proven that being married results in fewer claims.
  • Safer occupants lowers premiums – Safer cars can get you lower premiums. Safer cars reduce injuries and lower injury rates translates into savings for insurance companies passed on to you as lower rates. If the Ford Contour SVT has ratings of a minimum four stars on or an “acceptable” rating on it is probably cheaper to insure.
  • Your car’s features help determine rates – Choosing a vehicle that has an advanced theft prevention system can save you a little every year. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart car theft.
  • Where you live can impact rates – Being located in small towns and rural areas is a positive aspect when insuring your vehicles. Less people living in that area means a lower chance of having an accident and also fewer theft and vandalism claims. Drivers who live in large cities regularly have more traffic problems and much longer commute distances. Higher commute times means more change of being in an accident.
  • Don’t sacrifice liability coverage – Liability insurance will protect you when a jury decides you are liable for damages caused by your negligence. Liability insurance provides legal defense coverage starting from day one. Liability insurance is quite affordable compared to physical damage coverage, so do not cut corners here.

Your personal situation dictates your coverage

When it comes to buying proper insurance coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.

For instance, these questions might help in determining whether or not you will benefit from professional help.

  • Do I need roadside assistance coverage?
  • Why do I need rental car insurance?
  • What is the rate difference between pleasure use and commuting?
  • Is my nanny covered when driving my vehicle?
  • Can I afford to pay high deductible claims out of pocket?
  • What if I owe more than I can insure my car for?
  • Can I still get insurance after a DUI?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What is high-risk coverage and where do I buy it?
  • Will I lose any money if I cancel my policy before it expires?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and may give you better protection.

Save 15 percent in 15 minutes? Is it for real?

Consumers get pounded daily by advertisements for car insurance savings from companies such as 21st Century, Allstate and State Farm. All the companies have a common claim that you can save if you switch your policy.

How does each company make the same claim?

All the different companies have a preferred profile for the right customer they prefer to insure. For instance, a driver they prefer could be a mature driver, has no driving citations, and has excellent credit. A customer who meets those qualifications receives the best rates and most likely will pay quite a bit less when switching companies.

Potential insureds who are not a match for this ideal profile will have to pay higher rates which usually ends up with the customer not buying. Company advertisements say “customers who switch” not “everybody who quotes” save that kind of money. That’s why companies can claim big savings. Because of the profiling, you need to get quotes from several different companies. It’s just too difficult to predict the company that will have the lowest Ford Contour SVT insurance rates.

What insurance coverages do you need?

Learning about specific coverages of insurance helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Liability auto insurance – Liability insurance provides protection from damage that occurs to a person or their property in an accident. This coverage protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage pays for things like loss of income, medical expenses and legal defense fees. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Collision coverage – This covers damage to your Contour SVT caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like backing into a parked car, scraping a guard rail, sustaining damage from a pot hole and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your 1999 Ford Contour SVT.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Comprehensive auto coverage – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hail damage, a broken windshield, rock chips in glass, falling objects and hitting a deer. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance pay for expenses such as pain medications, EMT expenses and funeral costs. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

A fool and his money are soon parted

Drivers change insurance companies for a number of reasons such as unfair underwriting practices, questionable increases in premium, extreme rates for teen drivers and even delays in paying claims. Regardless of your reason, choosing a new company is less work than it seems.

You just read a lot of tips how to compare 1999 Ford Contour SVT insurance prices online. It’s most important to understand that the more you quote, the better your chances of lowering your rates. You may be surprised to find that the lowest priced car insurance comes from a lesser-known regional company.

As you shop your coverage around, it’s a bad idea to sacrifice coverage to reduce premiums. In many cases, consumers will sacrifice liability limits or collision coverage only to discover later that it was a big error on their part. Your strategy should be to buy the best coverage you can find at an affordable rate while still protecting your assets.

More learning opportunities