1996 Ford Contour Car Insurance Cost – 5 Ideas for Cheapest Prices

Searching for lower insurance coverage rates for your Ford Contour? Feel like you’re a prisoner to overpriced insurance coverage? Trust us when we tell you many consumers are feeling buyer’s remorse and feel like there’s no way out. Insurance companies such as Geico and Progressive continually bombard you with ad campaigns and it is difficult to not get sucked in by the cute commercials and do the work needed to find the best deal.

It’s important to take a look at other company’s rates occasionally because insurance rates go up and down regularly. Just because you had the best price on Contour insurance two years ago there is a good chance you can find better rates now. Starting right now, block out anything you think you know about insurance coverage because you’re about to learn the fastest and easiest way to reduce your cost while increasing coverage.

If you have insurance now or need a new policy, you will benefit by learning to shop for the lowest rates and possibly find even better coverage. Buying car insurance is not rocket science. Drivers just need to know the most efficient way to compare price quotes online.

Save on 1996 Ford Contour insurance

Companies don’t list all their discounts very well, so we researched both well-publicized as well as the least known ways to save on car insurance. If you don’t get every credit you deserve, you’re paying more than you need to.

  • Safe Driver Discount – Safe drivers may save up to 50% more on Contour insurance than their less cautious counterparts.
  • Early Switch Discount – Some companies give discounts for switching policies prior to your current policy expiration. It’s a savings of about 10%.
  • Theft Prevention System – Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • Seat Belts Save – Requiring all passengers to wear their seat belts can save up to 15% off your medical payments premium.
  • Multiple Cars – Buying coverage for all your vehicles on one policy qualifies for this discount.

It’s important to note that most credits do not apply to the overall cost of the policy. Most only apply to specific coverage prices like medical payments or collision. Even though it may seem like adding up those discounts means a free policy, you’re out of luck.

A partial list of companies that possibly offer these discounts may include but are not limited to:

It’s a good idea to ask each company how you can save money. Savings may not be available in every state.

Do car insurance companies bend the truth?

Consumers get pounded daily by advertisements for car insurance savings by companies like Allstate, Geico and Progressive. They all seem to make an identical promise that you can save if you move to them.

But how can every company make the same claim?

Insurance companies have a preferred profile for the right customer they prefer to insure. For instance, a desirable insured might be profiled as over the age of 40, has no driving citations, and drives less than 7,500 miles a year. A customer that hits that “sweet spot” will get the preferred rates and as a result will probably pay quite a bit less when switching companies.

Potential customers who fall outside the requirements will have to pay a more expensive rate and ends up with business going elsewhere. The ads say “people who switch” but not “drivers who get quotes” save money. This is how insurance companies can make those claims. Because of the profiling, drivers must compare as many rates as you can. It’s not possible to predict which company will fit your personal profile best.

Tailor your coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there really is no best way to insure your cars. Every situation is different so this has to be addressed. For example, these questions might help in determining if your insurance needs may require specific advice.

  • Should I buy only the required minimum liability coverage?
  • Do I have coverage when using my vehicle for my home business?
  • Is a fancy paint job covered?
  • Am I better off with higher deductibles on my 1996 Ford Contour?
  • Am I covered if my car is in a flood?
  • What should my uninsured motorist coverage limits be in my state?
  • Do I have any recourse if my insurance company denies a claim?
  • Should I have a commercial auto policy?
  • I have a DUI can I still get coverage?
  • If I drive on a suspended license am I covered?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Information about specific coverages

Knowing the specifics of a auto insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Auto insurance terms can be confusing and reading a policy is terribly boring. Listed below are typical coverages found on most auto insurance policies.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like hospital visits, nursing services and X-ray expenses. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, vandalism, hail damage, falling objects and a broken windshield. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverage

Liability coverage protects you from damages or injuries you inflict on people or other property that is your fault. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things such as funeral expenses, court costs, structural damage and emergency aid. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.

Collision insurance

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as hitting a mailbox, damaging your car on a curb and rolling your car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Compare but don’t skimp

You just read many ideas to shop for 1996 Ford Contour insurance online. The key thing to remember is the more price quotes you have, the better your comparison will be. Consumers may even find the lowest premiums are with a company that doesn’t do a lot of advertising. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate or State Farm.

When trying to cut insurance costs, you should never reduce needed coverages to save money. In many cases, consumers will sacrifice liability limits or collision coverage and learned later they didn’t purchase enough coverage. The aim is to get the best coverage possible at an affordable rate, not the least amount of coverage.

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