Lower Your 1993 Ford Festiva Insurance Quotes

Trying to find cheaper auto insurance rates for your Ford Festiva? No one in their right mind cherishes buying auto insurance, particularly when the cost is way too high.

Multiple car insurance companies compete for your hard-earned dollar, so it’s not easy to compare every provider and get the definite cheapest price

Quick Insurance Quotes

There are multiple methods to shop for 1993 Ford Festiva insurance, but one way is more efficient than others. You can spend countless hours driving to insurance companies in your area, or you can utilize online quoting to achieve your goal.

Most car insurance companies participate in a marketplace where insurance shoppers enter their coverage request one time, and each company returns a competitive quote based on that data. This prevents consumers from doing quote requests for each company you want a rate for. To use this form to compare 1993 Ford Festiva insurance rates click here to start a free quote.

The only downside to comparing rates this way is you can’t choose which providers you will receive quotes from. If you would rather choose individual companies to compare rates, we put together a list of the cheapest insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just make sure you use the exact same information for each comparison quote. If you have different liability limits it’s not possible to decipher which rate is best. Quoting even small variations in coverage limits can make a big difference in price. Just remember that comparing a large number of companies will enable you to find better pricing.

Discounts mean cheaper Ford Festiva insurance rates

Companies that sell car insurance don’t always publicize all available discounts in an easy-to-find place, so the following is a list of some of the more common and also the lesser-known ways to save on insurance coverage.

  • Driver’s Ed – Have your child complete a driver education course in school.
  • Save over 55 – If you’re over the age of 55, you can possibly qualify for a discount up to 10% on Festiva insurance.
  • Life Insurance Discount – Select insurance companies reward you with lower rates if you buy auto and life insurance together.
  • Theft Prevention System – Cars that have factory anti-theft systems help deter theft and earn discounts up to 10%.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Ford could qualify for better rates on cars that stay parked.
  • Accident Waiver – Some insurance companies allow you one accident before hitting you with a surcharge as long as you don’t have any claims for a particular time prior to the accident.
  • Payment Method – If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.

Consumers should know that many deductions do not apply the the whole policy. Some only reduce the cost of specific coverages such as comp or med pay. Just because it seems like you could get a free insurance coverage policy, you’re out of luck.

Insurance companies that possibly offer these discounts include:

It’s a good idea to ask every prospective company how you can save money. Some discounts may not be available everywhere.

Tailor your coverage to you

When choosing the right insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions might help in determining if you could use an agent’s help.

  • Do I have newly-aquired coverage?
  • Am I covered when driving on a suspended license?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Why is insurance for a teen driver so high?
  • Does car insurance cover theft of personal property?
  • How do I insure my teen driver?
  • Will filing a claim cost me more?
  • How many claims can I have before being cancelled?
  • Is my trailer covered?
  • What is UM/UIM insurance?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

These factors can influence Ford Festiva insurance rates

Smart consumers have a good feel for the different types of things that come into play when calculating insurance coverage rates. Understanding what determines base rates allows you to make educated decisions that could result in lower insurance coverage prices.

The list below includes a partial list of the pieces companies use to determine premiums.

  • Rural vs Urban Areas – Choosing to live in a rural area can save you money when buying insurance coverage. City drivers regularly have traffic congestion and much longer commute distances. Fewer people means reduced accidents as well as less vandalism and auto theft.
  • High credit ratings translate to low rates – Having a bad credit score is a large factor in determining what you pay for insurance coverage. Consumers who have excellent credit tend to be less risk to insure as compared to drivers with lower credit ratings. Therefore, if your credit score is low, you could save money insuring your 1993 Ford Festiva by improving your rating.
  • Rates may be lower depending on your job – Did you know your occupation can influence how much you pay for insurance coverage? Occupations like doctors, executives and stock brokers have the highest rates because of stressful work requirements and lots of time spent at work. On the other hand, professions such as pilots, students and homemakers get better rates on Festiva insurance.
  • Males pay more for insurance – Statistics have proven women tend to be less risk to insure than men. However, this does not mean women are BETTER drivers than men. Women and men are in accidents at about the same rate, but men have costlier accidents. Men also get cited for more serious violations such as DWI and reckless driving. Teenage male drivers are the most expensive to insure and are penalized with high insurance coverage rates.

Car insurance coverage considerations

Understanding the coverages of car insurance aids in choosing appropriate coverage and proper limits and deductibles. Car insurance terms can be ambiguous and reading a policy is terribly boring. Shown next are the normal coverages offered by car insurance companies.

Auto liability

This protects you from injuries or damage you cause to people or other property by causing an accident. This coverage protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims such as loss of income, legal defense fees, repair bills for other people’s vehicles and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your 1993 Ford Festiva.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision insurance

This pays for damage to your Festiva resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as rolling your car, sideswiping another vehicle and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, fire damage, theft and falling objects. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for immediate expenses for things like X-ray expenses, chiropractic care, EMT expenses and ambulance fees. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Pennies from heaven

Throughout this article, we presented a lot of techniques to reduce 1993 Ford Festiva insurance prices online. The key thing to remember is the more you quote, the better your comparison will be. You may be surprised to find that the lowest premiums are with a smaller regional carrier. These companies can often insure niche markets at a lower cost compared to the large companies like Allstate, Geico and Progressive.

Cost effective insurance is possible online and also from your neighborhood agents, and you need to price shop both in order to have the best chance of saving money. Some insurance companies may not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

Even more information can be found in the articles below: