Lower Your 1995 Ford Contour Insurance Quotes

Looking for the cheapest insurance rates for your Ford Contour? Have you had enough of scraping the payment together to insure your Ford every month? You’re in the same situation as many other drivers. Lots of auto insurance companies contend for your business, so it can be very hard to choose a provider and get the best coverage at the cheapest price

Compare the Market for Insurance Coverage

All the larger insurance coverage companies such as Geico, State Farm and Progressive give pricing online. This process is fairly straightforward as you just enter your coverage preferences into a form. Once entered, the system gets your driving record and credit report and returns a price quote. Online price quotes helps simplify price comparisons, but the time required to go to several different sites and fill out multiple forms is monotonous and tiresome. But it is imperative to have as many quotes as possible if you are searching for the lowest insurance coverage rates.

Compare rates the easy way

The quickest way to locate the lowest prices requires only one form that gets prices from several different companies. The form is fast, reduces the work, and makes online price comparison much more enjoyable and efficient. Immediately after you send the form, your coverage is rated and you are able to buy any or none of the price quotes you receive. If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. This process just takes a couple of minutes and you will find out if you’re overpaying now.

To find out what other companies charge, simply click here to open in new window and fill out the form. If you have a policy now, it’s recommended you copy coverages and limits as close as possible to your current policy. This makes sure you will get a fair comparison for similar insurance coverage.

Slick advertising tricks that work

Consumers constantly see and hear ads that promise big savings by companies like Geico, State Farm and Progressive. All the ads have a common claim that you’ll save big if you move to them.

But how can every company make the same claim? It’s all in the numbers.

Insurance companies have a certain “appetite” for the type of customer that earns them a profit. A good example of a profitable customer could possibly be between 25 and 40, a clean driving record, and drives less than 7,500 miles a year. Any new insured who matches those parameters will get very good rates and as a result will probably save quite a bit of money when switching.

Potential customers who do not match the “perfect” profile will have to pay more money and ends up with the customer not buying. The ads state “people who switch” but not “drivers who get quotes” save that much. This is how companies can advertise the savings. Because of the profiling, you absolutely need to get as many comparisons as possible. It’s just too difficult to predict which insurance companies will fit your personal profile best.

Why your Ford Contour insurance rates may be high

It’s important that you understand the different types of things that play a part in calculating the rates you pay for insurance. Understanding what controls the rates you pay enables informed choices that may reward you with better insurance rates.

  • Protect your assets with liability insurance – Liability coverage is the protection when you are found liable for damages caused by your negligence. Liability provides legal defense coverage starting from day one. Liability insurance is quite affordable when compared with rates for comp and collision, so do not skimp.
  • Older drivers save more – Youthful drivers are statistically proven to be less responsible behind the wheel so they pay higher insurance rates. If you’ve ever had to add a young driver onto a policy can break the bank. Older drivers tend to be more responsible, tend to file fewer claims and get fewer tickets.
  • Frequent insurance claims increase rates – If you are a frequent claim filer, you can definitely plan on either higher rates or even cancellation. Insurance companies provide cheaper rates to policyholders who do not rely on their insurance for small claims. Car insurance is intended for major claims that would cause financial hardship.
  • Do men or women drive better? – The statistics show that women are safer drivers than men. However, don’t assume that men are WORSE drivers than women. Both sexes have accidents at a similar rate, but men cause more damage and cost insurance companies more money. Men also get cited for more serious violations such as reckless driving.
  • How credit affects insurance rates – Your credit rating is a huge factor in your rate calculation. Drivers with high credit ratings tend to file fewer claims and have better driving records as compared to drivers with lower credit scores. If your credit rating can use some improvement, you could save money insuring your 1995 Ford Contour by repairing your credit.
  • Little extras can really add up – There are a lot of add-on coverages you can purchase on your insurance policy. Insurance for personal injury protection, better glass coverage and motor club memberships are some examples. These coverages may sound good when you first buy your policy, but if you don’t need them eliminate the coverages to reduce your premium.
  • Equipment add-ons that lower insurance rates – Purchasing a vehicle that has an advanced theft prevention system can get you a discount on your insurance. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your car from being stolen.
  • Do you have a high stress job? – Occupations like doctors, social workers and accountants tend to have higher rates than average in part from high stress levels and lengthy work days. On the flip side, occupations such as farmers, athletes and the unemployed receive lower rates for Contour coverage.

Lower rates by qualifying for discounts

Companies that sell car insurance don’t always publicize all their discounts in a way that’s easy to find, so we break down both well-publicized and the more hidden auto insurance savings. If you aren’t receiving every discount you deserve, you are throwing money away.

  • Life Insurance – Select insurance companies reward you with a discount if you purchase life insurance from them.
  • Pay Upfront and Save – If you pay your bill all at once rather than paying monthly you could save up to 5%.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Senior Citizens – If you qualify as a senior citizen, you may be able to get a discount up to 10% for Contour coverage.
  • New Vehicle Savings – Adding a new car to your policy is cheaper since new cars are generally safer.
  • Early Signing – A few companies offer discounts for switching to them prior to your current policy expiration. This can save 10% or more.

A little note about advertised discounts, most discounts do not apply to the entire policy premium. Most only apply to specific coverage prices like liability, collision or medical payments. Even though it may seem like adding up those discounts means a free policy, companies don’t profit that way.

Insurance companies that may offer these discounts include:

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. Discounts may not apply in every state.

Car insurance is unique, just like you

When buying adequate coverage for your vehicles, there isn’t really a perfect coverage plan. Each situation is unique and a cookie cutter policy won’t apply. These are some specific questions might point out if you could use an agent’s help.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Am I covered by my spouse’s policy after a separation?
  • Can I get a multi-policy discount?
  • When can I cancel my policy?
  • How much liability coverage do I need in my state?
  • What is high-risk coverage and where do I buy it?
  • Should I buy full coverage?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Coverages available on your car insurance policy

Knowing the specifics of a car insurance policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverages found on most car insurance policies.

Liability auto insurance – This coverage will cover damage or injury you incur to people or other property. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims like attorney fees, loss of income, repair bills for other people’s vehicles and medical expenses. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.

Collision coverage – This covers damage to your Contour resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like sideswiping another vehicle, hitting a mailbox and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision) – This coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like vandalism, a tree branch falling on your vehicle, damage from flooding and theft. The most your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your 1995 Ford Contour.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Medical expense insurance – Coverage for medical payments and/or PIP kick in for bills for things like pain medications, ambulance fees, X-ray expenses and doctor visits. They are often 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 not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Shop around and save

Cheap 1995 Ford Contour insurance can be bought both online in addition to many insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies do not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

We’ve covered a lot of ways to shop for insurance online. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even discover the best prices are with a small mutual company. They may often insure only within specific states and give getter rates than the large multi-state companies such as Geico and State Farm.

Additional insurance coverage information can be read at the links below