Compare 1997 Ford Contour Insurance Quotes

Searching for low-cost insurance for your Ford Contour could be difficult, but you can learn the following methods to make it easier. There are both good and bad ways to find auto insurance online so we’re going to tell you the quickest way to compare rates on a Ford and find the lowest possible price either online or from local insurance agents.

Choosing the best insurance company for you is easy if you know what you’re doing. If you have a current insurance policy or need new coverage, you can use these techniques to get lower rates and still get good coverage. Drivers just need to understand the tricks to find the lowest price over the internet.

Free Auto Insurance Quotes

Effectively comparing auto insurance prices can take hours if you aren’t aware of the most efficient way. You can waste a lot of time talking about coverages with insurance agencies in your area, or you could use the web to get the quickest rates.

Many insurance companies belong to a marketplace that enables customers to submit their information once, and each participating company returns a rated price based on that data. This system prevents you from having to do form submissions to each company. To compare 1997 Ford Contour rates using this form now click here to open in new window.

The one disadvantage to pricing coverage this way is buyers cannot specifically choose the companies you want to price. If you prefer to choose specific insurance companies for rate comparison, we put together a list of low cost auto insurance companies in your area. View list of insurance companies.

Whichever method you choose, ensure you’re using exactly the same coverage limits and deductibles for each comparison quote. If you have higher or lower deductibles it’s not possible to determine the lowest rate for your Ford Contour.

Cut your premium with discounts

Auto insurance companies do not list every discount very well, so we break down both the well known as well as the least known savings tricks you should be using. If you don’t get every credit you qualify for, you are throwing money away.

  • Defensive Driver – Successfully completing a defensive driving course can save you 5% or more if your company offers it.
  • New Car Discount – Putting insurance coverage on a new car can cost up to 25% less compared to insuring an older model.
  • Paperwork-free – A handful of insurance companies may give you up to $50 for buying your policy on their website.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
  • Early Switch Discount – A few companies offer discounts for buying a policy before your current policy expires. It’s a savings of about 10%.
  • Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
  • Claim Free – Drivers who don’t have accidents pay much less compared to accident-prone drivers.
  • 55 and Retired – If you’re over the age of 55, you may receive a discount up to 10% for Contour insurance.
  • Government Employees – Active or retired federal employment could cut as much as 10% off for Contour insurance with certain companies.

Consumers should know that most credits do not apply to all coverage premiums. A few only apply to specific coverage prices like collision or personal injury protection. So when the math indicates you can get free auto insurance, it doesn’t quite work that way.

Car insurance companies that may have these money-saving discounts are:

It’s a good idea to ask each company what discounts are available to you. All car insurance discounts might not be offered in your area.

These factors can influence what you pay for Ford Contour insurance

Consumers need to have an understanding of the rating factors that come into play when calculating your insurance rates. Having a good understanding of what controls the rates you pay allows you to make educated decisions that will entitle you to much lower annual insurance costs.

  • Frequent insurance claims increase rates – If you file claims often, you can definitely plan on either policy cancellation or increased premiums. Car insurance companies give lower rates to drivers who file claims infrequently. Your insurance policy is intended for major claims that would cause financial hardship.
  • Older drivers pay less – Young drivers are statistically proven to be less responsible when behind the wheel so insurance rates are higher. Older insureds tend to be more responsible, tend to cause fewer accidents and get fewer tickets.
  • Being married can save on insurance – Getting married can get you a discount on insurance. Marriage is viewed as being more mature than a single person and it’s proven that married drivers get in fewer accidents.
  • Your car’s features help determine rates – Choosing a vehicle with a theft deterrent system can get you a discount on your insurance. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart your vehicle from being stolen.

What is the best insurance coverage?

When buying the best insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

These are some specific questions may help highlight whether you might need professional guidance.

  • Is my ex-spouse still covered by my policy?
  • Should I get collision insurance on every vehicle?
  • Does coverage extend to a rental car in a foreign country?
  • Why am I required to get a high-risk car insurance policy?
  • What if I owe more than I can insure my car for?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Am I missing any policy discounts?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and can provide invaluable advice.

Insurance coverages 101

Having a good grasp of insurance can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, a broken windshield, damage from getting keyed and hail damage. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for expenses for nursing services, pain medications, X-ray expenses, dental work and doctor visits. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

This provides protection when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 1997 Ford Contour.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Auto liability

This coverage can cover injuries or damage you cause to a person or their property that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims such as funeral expenses, attorney fees, bail bonds and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Collision insurance

This coverage will pay to fix damage to your Contour resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like crashing into a ditch, colliding with another moving vehicle, sustaining damage from a pot hole and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Saving money is sweet as honey

We just covered many tips how you can reduce 1997 Ford Contour insurance prices online. The key concept to understand is the more you quote, the higher the chance of saving money. Consumers could even find that the biggest savings come from some of the lesser-known companies.

Budget-conscious insurance is available online in addition to many insurance agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who do not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

When you buy insurance online, you should never buy poor coverage just to save money. There have been many cases where an accident victim reduced liability coverage limits only to discover later that it was a big error on their part. Your focus should be to buy enough coverage at a price you can afford.

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