Cheaper 1994 Ford Aspire Insurance Rates

Trying to find more affordable Driversauto insurance can seem to be difficult for people new to comparing prices online. With a ridiculous number of companies, it can be a real hassle to find the best price.

Consumers need to get comparison quotes yearly because prices are adjusted regularly by insurance companies. Even if you think you had the lowest rates for Aspire insurance two years ago the chances are good that you can find a lower rate quote today. Forget anything you know (or think you know) about auto insurance because you’re about to learn the easiest way to find better rates and still maintain coverage.

The best way to compare insurance rates from multiple companies is to know the fact almost all companies have advanced systems to provide you with free rate quotes. The only thing you need to do is give the companies some data including coverage limits, what you do for a living, if your license is active, and any included safety features. Your insurance information is automatically sent to multiple companies and you will receive price estimates immediately.

Save a ton with these discounts

Some companies don’t always advertise every available discount in an easy-to-find place, so we researched a few of the more well known in addition to some of the lesser obvious credits that may apply to you.

  • Student Discounts – A discount for being a good student could provide a savings of up to 20% or more. Earning this discount can benefit you up until you turn 25.
  • Passive Restraints – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of more than 20%.
  • Memberships – Joining qualifying employment or professional organizations could trigger savings on car insurance.
  • Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase life insurance.
  • One Accident Forgiven – Not really a discount, but companies like GEICO, State Farm, and Progressive may permit one accident without the usual rate increase as long as you don’t have any claims before the accident.
  • Early Switch Discount – A few larger companies give discounts for renewing your policy early. This discount can save up to 10%.

Don’t be shocked that most discount credits are not given to your bottom line cost. Most cut the price of certain insurance coverages like medical payments or collision. So even though it sounds like you could get a free car insurance policy, it just doesn’t work that way.

Popular car insurance companies and a partial list of their discounts are:

  • The Hartford policyholders can earn discounts including good student, anti-theft, air bag, defensive driver, bundle, and vehicle fuel type.
  • American Family has savings for defensive driver, multi-vehicle, air bags, early bird, good student, and good driver.
  • Progressive may have discounts that include multi-vehicle, good student, online quote discount, continuous coverage, and homeowner.
  • Travelers offers premium reductions for driver training, new car, hybrid/electric vehicle, IntelliDrive, and student away at school.
  • Farmers Insurance offers discounts including multi-car, teen driver, youthful driver, alternative fuel, electronic funds transfer, and early shopping.
  • USAA has discounts for multi-vehicle, defensive driver, military installation, annual mileage, multi-policy, good student, and loyalty savings.
  • Liberty Mutual includes discounts for newly retired, new graduate, hybrid vehicle, new move discount, and exclusive group savings.

If you want cheap car insurance quotes, ask every insurance company which discounts can lower your rates. Depending on the company, some discounts might not be available to policyholders everywhere. To find insurance companies who offer cheap car insurance quotes, follow this link.

Car insurance can be complex

When it comes to buying coverage, there isn’t really a cookie cutter policy. Each situation is unique.

For instance, these questions may help you determine if your situation would benefit from professional advice.

  • Should I get collision insurance on every vehicle?
  • How do I insure my teen driver?
  • Is my trailer covered?
  • Does insurance cover tools stolen from my truck?
  • Is upholstery damage covered by car insurance?
  • How many claims can I have before being cancelled?
  • Is pleasure use cheaper than using my 1994 Ford Aspire to commute?
  • Why am I required to get a high-risk car insurance policy?
  • Is rental equipment covered for theft or damage?
  • How can I find cheaper teen driver insurance?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form.

How insurers determine Ford Aspire insurance premiums

Smart consumers have a good feel for the different types of things that are used to determine your policy premiums. When you know what positively or negatively influences your rates, this enables informed choices that will entitle you to lower premium levels. Lots of factors are used in the calculation when you quote your car insurance policy. Some of the criteria are obvious such as your driving record, but other factors are not quite as obvious like your continuous coverage or your financial responsibility.

  • Vehicle features impact prices – Driving a car with an alarm system can save you some money. Anti-theft features like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent auto theft and help lower rates.
  • Being married equates to better rates – Being married helps lower the price compared to being single. Marriage translates into being less irresponsible and it’s statistically proven that drivers who are married are more cautious.
  • Insurance coverage rates and your job – Jobs such as military personnel, executives and medical professionals generally pay higher rates than average attributed to job stress and long work days. On the other hand, professions such as professors, engineers and retirees have lower than average premiums for Aspire insurance.
  • City traffic equals higher costs – Being located in a small town can be a good thing when it comes to insurance coverage. Drivers who live in large cities tend to have more road rage incidents and longer commute times. Less people corresponds to lower accident rates and a lower car theft rate.
  • Better insurance coverage rates on vehicles with better crash test results – Safer cars get lower rates. Highly rated vehicles help reduce the chance of injuries in an accident and better occupant protection translates into fewer and smaller insurance claims and cheaper rates on your policy.
  • No insurance coverage policy gaps is important – Allowing your insurance coverage policy to lapse will be a fast way to increase your insurance coverage rates. Not only will you pay more, failure to provide proof of insurance will get you a steep fine or even jail time.
  • Drive less and pay lower prices – Driving more miles each year the higher your rate. Many insurance companies rate vehicles based upon how the vehicle is primarily used. Vehicles that sit idle most of the time qualify for better rates than those used for commuting. A policy that improperly rates your Aspire can cost quite a bit. It’s a good idea to make sure your insurance coverage declarations sheet shows annual mileage, because improper ratings can cost you money.

Save $404 a year. For real?

State Farm, Allstate and GEICO constantly bombard you with ads on TV and radio. All the companies make the point about saving some big amount just by switching your car insurance coverage to their company. But how can every company make almost identical claims? Here is the trick they use.

Insurance providers give the best rates for the driver that will add to their bottom line. For example, a profitable insured may need to be between the ages of 30 and 50, is a homeowner, and insures a new vehicle. Any new insured who fits that profile receives the best rates and most likely will pay quite a bit less when switching companies.

Potential customers who don’t meet the requirements may be required to pay higher premiums and this results in the customer not buying. If you pay close attention to the ads, they say “customers that switch” not “everyone that quotes” save the amount stated. That’s the way insurance companies can make claims that they all have the best auto insurance rates.

Because each company has a different risk profile, you should do a rate comparison at every renewal. It’s just too difficult to predict with any certainty which company will have the lowest rate quotes.

Auto insurance 101

Understanding the coverages of your auto insurance policy helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Coverage for collisions

Collision insurance pays for damage to your Aspire resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like sideswiping another vehicle, crashing into a building and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Ford Aspire.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Frequently these coverages are set the same as your liablity limits.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like falling objects, theft, damage from getting keyed, damage from a tornado or hurricane and a broken windshield. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto liability insurance

This can cover injuries or damage you cause to a person or their property. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things like emergency aid, medical services, legal defense fees, attorney fees and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for expenses for doctor visits, funeral costs, dental work and chiropractic care. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to 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

Don’t throw your cash in the trash

As you restructure your insurance plan, it’s a bad idea to buy lower coverage limits just to save a few bucks. In too many instances, drivers have reduced uninsured motorist or liability limits only to find out they didn’t have enough coverage. The aim is to find the BEST coverage at the best price, not the least amount of coverage.

Drivers change insurance companies for a variety of reasons including high rates after DUI convictions, questionable increases in premium, unfair underwriting practices or even extreme rates for teen drivers. It doesn’t matter what your reason, finding a new insurance coverage company is pretty easy and you might even save some money in the process.

There are still a few companies who don’t offer the ability to get a quote online and many times these regional carriers provide coverage only through independent agencies. Budget-friendly insurance coverage can be found online and also from your neighborhood agents, so compare prices from both to have the best chance of lowering rates.

More information is located at the links below