Lower Your 1999 Ford Contour SVT Insurance Quotes

Buyers have options when searching for low-cost Ford Contour SVT insurance. They can either waste time contacting agents trying to get quotes or leverage the internet to make rate comparisons.

There are both good and bad ways to shop for insurance coverage so we’re going to tell you the quickest way to quote coverages for a new or used Ford and get the best price possible either online or from local insurance agents.

Consumers should take time to get comparison quotes on a regular basis since insurance rates change regularly. If you had the lowest rates for Contour SVT insurance last year there may be better deals available now. Don’t believe everything you read about insurance coverage on the web, but by reading this article, you’re going to learn the best ways to reduce your insurance coverage bill.

Verify you’re getting all your discounts

Insuring your vehicles can cost a lot, but you can get discounts to help bring down the price. Most are applied at the time of purchase, but some must be asked for before you will receive the discount. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

More Vehicles More Savings – Insuring multiple cars or trucks on one policy can get a discount on all vehicles.
Organization Discounts – Being a member of a professional or civic organization is a good way to get lower rates on your policy for Contour SVT insurance.
55 and Retired – Older drivers may receive better car insurance rates for Contour SVT insurance.
Multi-policy Discount – When you have multiple policies with one insurance company you could get a discount of up to 20% off your total premium.
Low Mileage – Keeping the miles down on your Ford can earn lower rates on the low mileage vehicles.
Seat Belts Save – Buckling up and requiring all passengers to use a seat belt could save 15% off your PIP or medical payments premium.

Keep in mind that some of the credits will not apply to the overall cost of the policy. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Even though it may seem like you would end up receiving a 100% discount, you won’t be that lucky. But all discounts will help reduce your premiums.

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

Double check with each insurance company how you can save money. Savings might not apply in your area.

Complexity of Ford Contour SVT insurance rates

It’s important that you understand the factors that play a part in calculating insurance rates. Having a good understanding of what determines base rates allows you to make educated decisions that can help you get much lower annual insurance costs.

Shown below are a few of the “ingredients” companies use to determine your rates.

Don’t buy coverages you don’t need – There are a lot of additional coverages that you can buy on your 1999 Contour SVT policy. Coverages like rental car reimbursement, towing coverage and membership fees are examples of these. These may sound like a good investment when you first buy your policy, but your needs may have changed so get rid of them and save.
Proper usage rating affects rates – The higher the mileage driven every year the more you’ll pay to insure your vehicle. The majority of insurers charge to insure your cars based on how the vehicle is used. Cars and trucks used primarily for pleasure use receive lower rates as compared to vehicles used primarily for driving to work. Double check that your insurance declarations sheet is rated on the correct usage for each vehicle, because improper ratings can cost you money. Incorrect usage on your Contour SVT may be costing you.
Being married is a good thing – Having a spouse can actually save you money on insurance. Having a spouse usually means you are more mature and statistics show married couples file fewer claims.
Never go without insurance – Allowing your insurance policy to lapse is a fast way to bump up your insurance costs. And not only will your rates increase, getting caught without coverage may earn you a revoked license or a big fine.
Your occupation can affect rates – Occupations such as real estate brokers, business owners and accountants tend to have higher rates than average attributed to high stress levels and long work hours. On the flip side, professions such as pilots, athletes and the unemployed receive lower rates for Contour SVT insurance.
Where you live – Residing in small towns and rural areas is a positive aspect when insuring your vehicles. Less people living in that area means a lower chance of having an accident and a lower car theft rate. City drivers regularly have more traffic problems and longer commute times. Higher commute times means more change of being in an accident.
High credit ratings translate to low rates – Credit score is a huge factor in your rate calculation. Drivers who have good credit tend to be better drivers and file fewer claims than drivers with lower credit scores. So if your credit score is low, you could pay less to insure your 1999 Ford Contour SVT by improving your rating.
Do you qualify for a multi-policy discount? – Many insurance companies will give a discount to customers who have multiple policies with them. It’s known as a multi-policy discount. Discounts can amount to 10 percent or more. Even if you’re getting this discount you still need to compare other company rates to verify if the discount is saving money.

When should I talk to an agent?

When buying coverage, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For instance, these questions might point out whether or not you would benefit from professional advice.

What is no-fault insurance?
How much liability coverage do I need in my state?
Should I buy full coverage?
Why am I be forced to buy a membership to get insurance from some companies?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Why am I required to buy high-risk coverage?
Is extra glass coverage worth it?
Why do I need rental car insurance?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Is there deception in advertising?

Consumers get pounded daily by advertisements for the lowest price auto insurance from companies such as Allstate, Geico and Progressive. All the companies make an identical promise about savings after switching your policy.

How does each company make the same claim? This is how they do it.

Insurance companies have a preferred profile for the type of customer they prefer to insure. For example, a profitable customer could be between 30 and 50, has no driving citations, and has excellent credit. A customer getting a price quote that hits that “sweet spot” gets the lowest rates and as a result will probably save quite a bit of money when switching.

Potential insureds who do not match the requirements will be charged a more expensive rate and this can result in business not being written. The ads state “customers that switch” not “everybody who quotes” save money. That’s why insurance companies can confidently make the claims of big savings.

That is why drivers must get quotes from several different companies. It’s impossible to know which company will give you the biggest savings on Ford Contour SVT insurance.

Insurance coverages and their meanings

Having a good grasp of insurance aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for bills for dental work, EMT expenses, prosthetic devices, chiropractic care and hospital visits. They are used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage

This coverage pays for damage to your Contour SVT resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as rolling your car, damaging your car on a curb and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Normally these coverages are identical to your policy’s liability coverage.

Liability car insurance

Liability insurance can cover damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Another option is a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as loss of income, court costs, attorney fees, medical services and bail bonds. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hitting a deer, a tree branch falling on your vehicle, theft and fire damage. The most a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Find Good Coverage for Less

Cheap 1999 Ford Contour SVT insurance is possible online as well as from independent agents, and you should compare price quotes from both to have the best chance of lowering rates. A few companies don’t offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

As you go through the steps to switch your coverage, never skimp on coverage in order to save money. There have been many cases where an insured cut liability coverage limits only to regret that they should have had better coverage. The proper strategy is to purchase plenty of coverage for the lowest price, not the least amount of coverage.

We covered a lot of techniques to save on insurance. It’s most important to understand that the more price quotes you have, the higher your chance of finding lower rates. You may even discover the lowest premiums are with some of the lesser-known companies.