2000 Ford Contour SVT Car Insurance Quotes – 5 Ways to Save

Comparing auto insurance rates online can seem complicated if you are a beginner to online price comparisons. But relax because using the internet to shop for auto insurance is actually quite easy.

Compare the Market for Insurance Coverage

To find the best insurance coverage prices, there are several ways to compare quotes from insurance coverage companies in your area. The best way to find the lowest 2000 Ford Contour SVT rates involves getting comparison quotes online. This can be done using a couple different methods.

The fastest way to get quotes is an all-inclusive rate comparison like this one (opens in new window). This type of form saves time by eliminating separate quotes to each individual insurance coverage company. A single, simple form will get you price quotes from insurance coverage companies with the best prices.It’s the quickest way to get rates.

A less efficient way to compare prices requires a visit to the website for each individual company to complete a price quote. For sake of this example, we’ll pretend you want to compare rates from Progressive, Farmers and American Family. You would have to visit each site and enter your policy data, and that’s why the first method is more popular.

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

It’s your choice how you get your quotes, but ensure you are comparing the exact same quote information for each price quote. If your comparisons have differing limits it’s impossible to determine the best price for your Ford Contour SVT. Quoting even small variations in limits may result in large price differences. And when comparison shopping, quoting more helps you find a lower rate.

Pay less by taking advantage of these five discounts

Companies don’t list all available discounts very clearly, so the following is a list of some of the more common and also the lesser-known insurance coverage savings.

  • Drive Safe and Save – Drivers who avoid accidents may save up to 50% more on Contour SVT insurance than drivers with accidents.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Federal Employees – Active or retired federal employment could cut as much as 10% off on Contour SVT insurance depending on your company.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
  • Homeowners Savings – Owning a house can help you save on insurance coverage due to the fact that maintaining a home requires personal responsibility.

It’s important to understand that most of the big mark downs will not be given to the entire cost. The majority will only reduce specific coverage prices like comprehensive or collision. So even though they make it sound like all the discounts add up to a free policy, it just doesn’t work that way.

A partial list of companies that may offer some of the above discounts include:

It’s a good idea to ask all companies you are considering how you can save money. All car insurance discounts may not be available everywhere.

Your coverage should be tailored to you

When choosing coverage, there isn’t really a “best” method to buy coverage. Every situation is different.

For instance, these questions can help discover if your insurance needs could use an agent’s help.

  • I have good health insurance, so how much medical payments coverage do I need?
  • Where can I find high-risk insurance?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Can I afford low physical damage deductibles?
  • Does my 2000 Ford Contour SVT need full coverage?
  • Does insurance cover tools stolen from my truck?
  • How can I find cheaper teen driver insurance?
  • How many claims can I have before being cancelled?
  • How do I file an SR-22 for a DUI in my state?
  • Can I drive in Mexico and have coverage?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Information about specific coverages

Learning about specific coverages of your policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Collision coverage – This will pay to fix damage to your Contour SVT caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as damaging your car on a curb, sideswiping another vehicle and colliding with a tree. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for bills for prosthetic devices, nursing services and surgery. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Liability – Liability insurance protects you from damages or injuries you inflict on people or other property in an accident. It protects you from legal claims by others. It does not 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 limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage protects against things such as repair bills for other people’s vehicles, emergency aid and court costs. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Comprehensive coverage (or Other than Collision) – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as hitting a deer, vandalism, a broken windshield, theft and damage from flooding. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Ford Contour SVT.

Since many 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 is very important.

Save your cold hard cash

The cheapest 2000 Ford Contour SVT insurance can be bought on the web and also from your neighborhood agents, and you need to comparison shop both in order to have the best price selection to choose from. There are still a few companies who may not provide online quoting and many times these smaller companies only sell through independent insurance agents.

We covered a lot of information how to get a better price on insurance. The key thing to remember is the more times you quote, the better your chances of lowering your rates. Drivers may discover the lowest priced insurance comes from a smaller regional carrier.

When buying insurance coverage, do not buy less coverage just to save a little money. In many instances, an insured cut collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your goal should be to find the BEST coverage at the best price.

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