1999 Ford Contour Insurance Quotes

Trying to find lower auto insurance rates for your Ford Contour? Have you fallen victim to high-priced auto insurance? Believe me when I say you are not the only one feeling buyer’s remorse. Numerous auto insurance companies battle for your business, so it’s not easy to compare every insurer to find the absolute best rates possible.

You should take the time to get comparison quotes every six months because insurance rates change quite often. Just because you had the best rates for Contour insurance on your last policy other companies may now be cheaper. Starting right now, ignore everything you know about auto insurance because you’re going to get a crash course in the easiest way to remove unneeded coverages and save money.

Insurance Coverage Comparison Rates

There are a variety of methods to shop for 1999 Ford Contour insurance coverage, but some are easier and takes less work. You could waste time driving to insurance companies in your area, or you could use the internet to maximize your effort.

Many of the larger companies participate in an industry program that enables customers to enter their coverage request one time, and each participating company returns a competitive quote for coverage. This prevents consumers from doing quotation requests for every insurance coverage company.

To submit your quote information now, click here to open in new window.

The one downside to getting quotes like this is buyers cannot specifically choose which companies you want to price. So if you prefer to choose specific insurance companies to compare prices, we have a page of low cost insurance coverage companies in your area. Click to view list.

It’s up to you how you get prices quotes, just be sure to compare the exact same deductibles and coverage limits for every quote you compare. If your comparisons have different values for each quote it’s impossible to decipher which rate is best.

Are you getting all your discounts?

Car insurance companies don’t always publicize all their discounts very clearly, so we took the time to find both well-publicized and also the lesser-known savings tricks you should be using. If you’re not getting every credit you deserve, you are paying more than you should be.

  • Discount for New Cars – Adding a new car to your policy can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Clubs and Organizations – Affiliation with a civic or occupational organization may earn a discount on your policy for Contour insurance.
  • No Accidents – Good drivers with no accidents pay less as compared to frequent claim filers.
  • Drivers Ed for Students – Have your child complete a driver education course if offered at their school.
  • Homeowners Savings – Owning a home may trigger a auto insurance policy discount because owning a home demonstrates responsibility.
  • No Charge for an Accident – A few companies will forgive one accident before hitting you with a surcharge as long as you don’t have any claims for a certain period of time.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy qualifies for this discount.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more off your medical payments premium.
  • Theft Prevention Discount – Anti-theft and alarm systems are stolen less frequently and therefore earn up to a 10% discount.

Keep in mind that most discount credits are not given to your bottom line cost. Most cut individual premiums such as physical damage coverage or medical payments. So even though they make it sound like adding up those discounts means a free policy, you won’t be that lucky.

Car insurance companies who might offer these money-saving discounts include:

It’s a good idea to ask all companies you are considering how you can save money. Savings may not be available in your area.

Tailor your coverage to you

When it comes to choosing coverage, there isn’t really a best way to insure your cars. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions can aid in determining whether you might need professional guidance.

  • What happens if I owe more than my 1999 Ford Contour is worth?
  • Do I pay less if my vehicle is kept in my garage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • When should my teen driver be added to my policy?
  • How much underlying liability do I need for an umbrella policy?
  • Does coverage extend to Mexico or Canada?
  • Do I need added coverage for expensive stereo equipment?
  • Who is covered when they drive my 1999 Ford Contour?
  • Does medical payments coverage apply to all occupants?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to 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 It only takes a few minutes and can provide invaluable advice.

Coverages available on your insurance policy

Having a good grasp of insurance can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverage types found on most insurance policies.

Medical expense insurance – Med pay and PIP coverage pay for immediate expenses for things like pain medications, doctor visits and nursing services. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Coverage for liability – Liability coverage can cover damages or injuries you inflict on a person or their property in an accident. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things such as emergency aid, medical expenses, structural damage and legal defense fees. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Comprehensive (Other than Collision) – This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as theft, hitting a deer, damage from a tornado or hurricane and hail damage. The most your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision – Collision insurance pays for damage to your Contour caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as damaging your car on a curb, sideswiping another vehicle, driving through your garage door and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers – This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your 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 should not be overlooked.

Smart shoppers get results

Discount 1999 Ford Contour insurance is possible both online as well as from independent agents, and you should be comparing both in order to have the best chance of saving money. A few companies don’t offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

We covered a lot of tips how to save on insurance. It’s most important to understand that the more companies you get rates for, the better your chances of lowering your rates. You may be surprised to find that the lowest rates come from the least-expected company. Smaller companies may have significantly lower rates on certain market segments than the large multi-state companies such as Progressive or Geico.

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