Compare 1992 Ford Festiva Car Insurance Quotes

Looking for lower car insurance rates for your Ford Festiva? Did you fall for a flashy sales pitch and buy overpriced car insurance? Believe me, you are not the only one feeling buyer’s remorse. With so many car insurance companies to choose from, it can be diffult for consumers to find the most cost effective provider.

It’s important to shop coverage around at least once a year because rates change regularly. Despite the fact that you may have had the best price for Festiva insurance last year you will most likely find a better rate today. There is a lot of bad advice regarding car insurance online, so I’m going to show you the best ways to put money back in your pocket.

Finding affordable coverage is not that difficult. If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using this strategy. Vehicle owners just need to understand how to compare rates over the internet.

The easiest way to compare car insurance rates is to realize all the major auto insurance companies participate in a system to give you rate quotes. To begin a comparison, all you need to do is provide a small amount of information such as which vehicles you own, marital status, level of coverage desired, and how many miles driven. Your information is automatically sent to multiple companies and you will receive price estimates immediately.

To compare rates now, click here and enter your zip code.

Don’t assume everyone needs the same coverage

When it comes to buying adequate coverage for your personal vehicles, there really is no cookie cutter policy. Every situation is different and a cookie cutter policy won’t apply. For example, these questions might help in determining if your situation will benefit from professional help.

  • Does insurance cover damages from a DUI accident?
  • What is an SR-22 filing?
  • Do I have any recourse if my insurance company denies a claim?
  • Are all vehicle passengers covered by medical payments coverage?
  • Are rental cars covered under my policy?
  • What if I owe more than I can insure my car for?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance specifics

Learning about specific coverages of your policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Listed below are the usual coverages offered by auto insurance companies.

Liability coverages

This provides protection from damages or injuries you inflict on other’s property or people that is your fault. It protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things such as medical services, pain and suffering and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Auto collision coverage

Collision insurance covers damage to your Festiva from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as hitting a mailbox, rolling your car, damaging your car on a curb, crashing into a ditch and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to increase the deductible to bring the cost down.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like surgery, nursing services, doctor visits, dental work and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive auto insurance

This will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a bird, damage from a tornado or hurricane and damage from flooding. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Ford Festiva.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.