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