Compare 2000 Ford Contour Insurance Rates

Drivers have a choice when trying to find the lowest priced Ford Contour insurance. They can either waste time contacting agents getting price quotes or use the internet to compare rates. There is a better way to shop for car insurance and you need to know the quickest way to compare rates on a Ford and find the best price possible from local insurance agents and online providers.

Elements that influence Ford Contour insurance rates

An important part of buying insurance is that you know the different types of things that help determine the price you pay for car insurance. Having a good understanding of what determines base rates allows you to make educated decisions that may reward you with lower car insurance prices.

The following are a few of the “ingredients” companies use to determine rates.

  • Tickets mean higher rates – Drivers who don’t get tickets have lower premiums than bad drivers. Even one speeding ticket can bump up the cost twenty percent or more. Drivers who get serious violations like DUI or reckless driving may be required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to continue driving.
  • Consolidate policies to earn discounts – Most companies give discounts to insureds who consolidate policies with them, otherwise known as a multi-policy discount. Even with this discount, it’s in your best interest to compare rates to confirm you are receiving the best rates possible.
  • Little extras can really add up – There are a lot of extra bells and whistles you can purchase on your car insurance policy. Coverages like vanishing deductibles, better glass coverage and additional equipment coverage are examples of these. They may seem like a good idea when talking to your agent, but now you might not need them so get rid of them and save.
  • Safe vehicles cost less to insure – Vehicles with high crash test scores can get you lower premiums. Safer cars protect occupants better and any reduction in injury severity means lower claim amounts and more competitive rates for policyholders. If your Ford scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Optional equipment can affect rates – Purchasing a vehicle that has an advanced theft prevention system can help lower your rates. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping auto theft.

Discounts on Ford Contour insurance

Companies don’t always publicize every discount in an easy-to-find place, so we researched some of the best known and the harder-to-find ways to save on insurance. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Accident Waiver – Some insurance companies allow you one accident without raising rates if you are claim-free for a set time period.
  • Bundle and Save – If you insure your home and vehicles with the same insurance company you could get a discount of at least 10% off all policies.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
  • Discount for Good Grades – A discount for being a good student can earn a discount of 20% or more. The discount lasts up to age 25.
  • Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts may earn rate discounts of up to 25% or more.
  • Senior Discount – If you qualify as a senior citizen, you may receive a discount up to 10% for Contour coverage.

As a disclaimer on discounts, most discounts do not apply the the whole policy. Some only reduce specific coverage prices like comp or med pay. So even though it sounds like you would end up receiving a 100% discount, companies wouldn’t make money that way.

To see a list of insurance companies with the best insurance discounts, click here to view.

Tailor your coverage to you

When it comes to buying coverage, there really is not a perfect coverage plan. Everyone’s situation is unique.

For instance, these questions can help discover whether or not you will benefit from professional help.

  • What is the difference between comprehensive and collision coverage?
  • Do I pay less if my vehicle is kept in my garage?
  • Does my policy cover my teen driver if they drive my company car?
  • What is no-fault insurance?
  • If I drive on a suspended license am I covered?
  • Is my nanny covered when driving my vehicle?
  • How high should deductibles be on a 2000 Ford Contour?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form. It is quick, free and you can get the answers you need.

Insurance coverage specifics

Having a good grasp of your policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Coverage for medical payments

Med pay and PIP coverage pay for expenses for doctor visits, funeral costs, chiropractic care and rehabilitation expenses. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverages

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, fire damage and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage protection

This pays for damage to your Contour resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like hitting a parking meter, driving through your garage door, sideswiping another vehicle, sustaining damage from a pot hole and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Contour.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Auto liability

This will cover damage or injury you incur to a person or their property in an accident. This insurance protects YOU from legal claims by others. Liability 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. As an example, you may have liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims like loss of income, structural damage and legal defense fees. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Final thoughts

When shopping online for auto insurance, never skimp on coverage in order to save money. There are too many instances where someone dropped collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.

You just read a lot of ways to save on 2000 Ford Contour insurance. The key thing to remember is the more companies you get rates for, the higher your chance of finding lower rates. You may even discover the most savings is with a lesser-known regional company.

Low-cost insurance is available both online as well as from independent agents, so compare prices from both to get a complete price analysis. There are still a few companies who don’t offer online quoting and most of the time these small, regional companies sell through independent agents.

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