Cheap 2000 Ford Contour Car Insurance Cost

Searching for the cheapest insurance coverage rates for your Ford Contour? Locating the cheapest insurance for a new or used Ford Contour can be an all-consuming task, but you can follow our insurance coverage buying tips to find lower rates.

There is a right way and a wrong way to compare insurance coverage rates so you’re going to learn the proper way to price shop coverage for your Ford and locate the lowest price.

It’s a great practice to do rate comparisons yearly since insurance rates change quite often. If you had the best rates on Contour coverage two years ago you will most likely find a better rate today. Starting right now, block out anything you think you know about insurance coverage because I’m going to teach you the proper way to find lower rates on insurance coverage.

Locating cheaper protection is quite easy. If you are insured now or are shopping for new coverage, you can use this information to get lower rates and possibly find even better coverage. Drivers just need to learn the most efficient way to compare prices online.

How to Compare Auto Insurance Costs

Comparing auto insurance rates can be a daunting task if you don’t know the best way to get rate quotes. You could spend the better part of a day talking about coverages with local insurance agents in your area, or you can utilize the internet to maximize your effort.

Many of the larger companies belong to a marketplace where insurance shoppers only type in their quote data once, and each participating company returns a rated price based on that information. This system prevents you from having to do quote forms to each individual auto insurance company. To compare pricing click here to start a free quote.

The only downside to using this type of system is you can’t choose which insurance companies you will receive quotes from. If you wish to select specific insurance companies to receive pricing from, we put together a list of low cost auto insurance companies in your area. Click to view list.

It doesn’t matter which method you choose, just make darn sure you compare exactly the same coverage limits with every price quote. If you use higher or lower deductibles it will be impossible to determine the best price for your Ford Contour.

Discounts are great for lower rates

Car insurance can cost a lot, but companies offer discounts that many people don’t even know exist. Some trigger automatically when you get a quote, but some may not be applied and must be requested specifically before you will receive the discount. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Use Seat Belts – Buckling up and requiring all passengers to use their safety belts can save up to 15% off your PIP or medical payments premium.
  • Auto/Home Discount – When you combine your home and auto insurance with one company you may earn at least 10% off all policies.
  • Lower Rates for Military – Having a deployed family member may qualify for rate reductions.
  • Resident Student – Youth drivers who attend school more than 100 miles from home and don’t have a car can receive lower rates.
  • Pay Upfront and Save – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.

A little note about advertised discounts, most discounts do not apply the the whole policy. Most only reduce the price of certain insurance coverages like medical payments or collision. Even though it may seem like you can get free auto insurance, companies wouldn’t make money that way. Any amount of discount will reduce your overall premium however.

To see a list of insurers who offer auto insurance discounts, click here to view.

You may need specialized coverage

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Each situation is unique.

For example, these questions may help highlight if you could use an agent’s help.

  • Do I need added coverage for expensive stereo equipment?
  • Should I buy more coverage than the required minimum liability coverage?
  • Does insurance cover tools stolen from my truck?
  • If my 2000 Ford Contour is totaled, can I afford another vehicle?
  • Why do I need rental car insurance?
  • How can I get high-risk coverage after a DUI?
  • Do I have coverage if my license is suspended?
  • When does my teenage driver need to be added to my policy?
  • Should I have combined single limit or split liability limits?
  • How high should deductibles be on a 2000 Ford Contour?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and can provide invaluable advice.

Auto insurance coverage specifics

Understanding the coverages of auto insurance helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these limits are identical to your policy’s liability coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like hospital visits, doctor visits, pain medications and funeral costs. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Comprehensive protection

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like falling objects, damage from getting keyed and theft. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage protection

Collision coverage pays for damage to your Contour from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like rolling your car, colliding with another moving vehicle and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Liability coverages

This will cover damage or injury you incur to other people or property. It protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like loss of income, bail bonds and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.