Cheap 1995 Ford Contour Insurance Quotes

Want the cheapest auto insurance rates for your Ford Contour? Are you drained from wondering where the money will come from to buy auto insurance? You are no different than millions of other vehicle owners.

With so many options when it comes to auto insurance, it’s difficult to choose the lowest cost insurer.

It’s important to take a look at other company’s rates at least once a year because prices trend upward over time. Just because you had the best deal on Contour coverage on your last policy there may be better deals available now. You can find a lot of misleading information regarding auto insurance on the internet, but in this article, you’re going to get some great ways to stop overpaying for insurance.

Buying car insurance is not rocket science. Essentially everyone who is shopping for auto insurance will more than likely be able to find lower rates. Nevertheless, drivers must comprehend how insurance companies sell insurance online and use this information to your advantage.

Compare free insurance coverage price quotes

Performing a rate comparison can be a daunting task if you aren’t aware of the most efficient way. You can waste hours driving to insurance companies in your area, or you could use the internet to accomplish the same thing much quicker.

Many companies participate in an industry program that enables customers to enter their coverage request one time, and every company returns a rated price. This saves time by eliminating quote requests to each company.

To participate in this free quote system, click here to open in new window.

The single downside to using this type of system is you don’t know exactly which insurance companies you want pricing from. So if you want to choose from a list of companies for rate comparison, we have assembled a list of insurance coverage companies in your area. Click here for list of insurance companies.

Take whichever approach you prefer, but ensure you are comparing apples-to-apples quote data for every company. If you enter differing limits it will be very difficult to truly determine the lowest rate. Slightly different insurance coverages or limits may cause a big price difference. And when price shopping your coverage, comparing all the rates in your area provides better odds of finding the best offered rates.

Beware of misleading auto insurance ads

Companies like State Farm, Allstate and GEICO seem to constantly run ads on television and other media. All the ads convey the message that you can save if you move to them. How does every auto insurance company charge lower premium rates? It’s all in the numbers.

Insurance providers look for specific characteristics for the right customer that will most likely be profitable. For example, a desirable risk may need to be over the age of 50, carries full coverage, and the vehicle is rated for pleasure use. A propective insured who fits that profile will probably get the lowest car insurance rates and will probably save money with a new company.

Potential insureds who may not quite match this stringent profile must pay higher premium rates and this results in the prospect going elsewhere. The trick companies use is to say “customers who switch” not “everyone that quotes” can get the lowest rates when switching. That’s the way companies can truthfully state the savings. Because of the profiling, you really need to get car insurance quotes from several different companies. It’s not possible to predict which insurance companies will have the lowest rates.

Get cheaper insurance premiums by understanding these factors

Multiple criteria are used when premium rates are determined. Some are obvious like your driving record, although some other factors are more transparent such as your marital status or your financial responsibility.An important part of buying insurance is that you know some of the elements that are used to determine your insurance rates. When you know what positively or negatively impacts premium levels, this enables you to make decisions that may reward you with lower insurance prices.

  • Stay claim-free and reduce rates – Companies generally give cheaper rates to insureds who are not frequent claim filers. If you file a lot of claims you can expect increased rates or even have your policy non-renewed. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.
  • Being married can save you money – Walking down the aisle can get you a discount when shopping for insurance. Marriage translates into being more stable financially and statistics show married couples file fewer claims.
  • Employer and insurance insurance rates – Careers like military personnelairline pilots and emergency personnel generally pay higher rates than the rest of us in part from job stress and long work days. On the flip side, jobs such as scientists, students and the unemployed have the lowest average rates on Contour coverage.
  • Cars with good safety ratings means lower premiums – Safer cars can get you lower premiums. Highly rated vehicles protect occupants better and any reduction in injury severity means less claims paid and lower rates for you.
  • High premiums for teen drivers – Teen drivers are statistically proven to get distracted easily when at the wheel of a vehicle therefore insurance rates are much higher. Having to add a young driver to your insurance policy can really hurt. Older people have been proven to be more responsible, are lower risk to insure , and usually have better credit.
  • Poor credit can mean higher premiums – An insured’s credit score is likely to be a major factor in calculating your premium rate. Therefore, if your credit history can be improved, you could pay less to insure your 1995 Ford Contour by spending a little time repairing your credit. Insureds that have high credit scores tend to be more responsible and file fewer claims than those with poor credit.
  • Low physical damage deductibles can be expensive – Physical damage deductibles tell how much you are willing to pay if the claim is covered. Physical damage insurance, also known as collision and other-than-collision, is used to repair damage to your car. Some examples of claims that would be covered could be rearending another vehicle, fire damage, and damage caused by road hazards. The more you pay before a claim is paid (deductible), the lower your rates will be on Contour coverage.

Find discounts on auto insurance

Auto insurance is not cheap nor is it fun to buy but you may find discounts that can help lower your rates. Certain reductions will be credited at the time of purchase, but less common discounts must be manually applied before you will receive the discount.

  • Accident Forgiveness Coverage – but companies like Progressive, State Farm and GEICO will forgive one accident without the usual rate increase as long as you don’t have any claims prior to being involved in the accident.
  • 55 and Retired – Seniors can possibly qualify for a small decrease in premiums on Contour coverage.
  • E-sign – A handful of companies give back up to $50 get car insurance on the internet.
  • Own a Home and Save – Owning a house can earn you a little savings because of the fact that having a home is proof that your finances are in order.
  • Air Bag Discount – Vehicles with factory air bags or automatic seat belts may get savings as much as 30%.

One thing to note about discounts is that most of the big mark downs will not be given to the entire cost. Some only reduce specific coverage prices like medical payments or collision. So even though it sounds like you could get a free auto insurance policy, you aren’t that lucky.

The best auto insurance companies and their possible discounts include:

  • State Farm offers discounts including Drive Safe & Save, anti-theft, Steer Clear safe driver discount, driver’s education, and multiple autos.
  • Liberty Mutual discounts include newly married, teen driver discount, newly retired, new graduate, good student, and safety features.
  • American Family may have discounts that include early bird, good driver, good student, bundled insurance, mySafetyValet, TimeAway discount, and Steer into Savings.
  • Progressive includes discounts for homeowner, online quote discount, good student, multi-vehicle, and online signing.
  • Farmers Insurance offers premium reductions for alternative fuel, teen driver, bundle discounts, electronic funds transfer, and youthful driver.
  • Auto-Owners Insurance has discounts for air bags, multi-policy, company car, good student, safe vehicle, multiple vehicles, and group or association.
  • SAFECO offers discounts for multi-car, accident prevention training, teen safe driver, drive less, anti-theft, and safe driver.

When quoting, ask each company or agent which discounts you may be entitled to. Some of the discounts discussed earlier may not be available in every state. To find companies that provide some of the discounts listed above, click here to view.

Tailor your insurance coverage coverage to you

When it comes to choosing coverage for your vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions may help you determine if your situation would benefit from professional advice.

  • Am I covered if my car is in a flood?
  • Am I covered when driving someone else’s vehicle?
  • I have health insurance so do I need medical payments coverage?
  • Am I covered if hit by an uninsured driver?
  • Does having multiple vehicles earn me a discount?
  • I have a DUI can I still get coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Insurance coverages and their meanings

Having a good grasp of your policy aids in choosing the best coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages available from insurance companies.

Comprehensive auto coverage – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like falling objects, theft, vandalism, hail damage and hitting a bird. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for liability – This will cover damage that occurs to people or other property in an accident. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things like medical expenses, loss of income and attorney fees. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Collision coverage – Collision coverage will pay to fix damage to your Contour resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like rolling your car, crashing into a building, hitting a mailbox and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance pay for bills like ambulance fees, rehabilitation expenses, funeral costs, surgery and X-ray expenses. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Shop Smart and Save

We just presented a lot of tips how to lower your 1995 Ford Contour insurance rates. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the biggest savings come from some of the smallest insurance companies. Some small companies may have significantly lower car insurance rates on certain market segments compared to the large companies like State Farm and Allstate.

Cost effective 1995 Ford Contour insurance can be bought on the web and with local insurance agents, so you should compare both to have the best chance of lowering rates. Some companies do not offer internet price quotes and most of the time these smaller providers provide coverage only through independent agents.

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