View 1996 Ford Contour Car Insurance Quotes

Pretty sure you bought an overpriced car insurance policy? Trust us, you’re not alone. Consumers have so many insurers to choose from, and although it’s a good thing to have a selection, more options can take longer to find the best rates for your vehicles.

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Drivers save money with these premium-slashing discounts

Some companies don’t always list every discount in an easy-to-find place, so the next list breaks down a few of the more common as well as some of the hidden ways to save on insurance.

Student Discounts – A discount for being a good student can get you a discount of up to 25%. Most companies allow this discount until age 25.
Defensive Driver Discount – Participating in a driver safety class can save you 5% or more and easily pay for the cost of the class.
Club Memberships – Having an affiliation with qualifying employment or professional organizations is a good way to get lower rates on your policy.
Multiple Policy Discount – If you can bundle your auto and home insurance with one company you could get a discount of 10% to 20% off each policy.
Seat Belt Usage – Drivers who always wear seat belts and also require passengers to use a seat belt can save 10% or more off the personal injury premium cost.
Driver Education Discount – Require your teen driver to complete a driver education course in school.
Low Mileage Discounts – Keeping the miles down on your Ford can qualify you for lower insurancerates due to less chance of an accident.

Consumers should know that some credits don’t apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like liability and collision coverage. So when the math indicates having all the discounts means you get insurance for free, that’s just not realistic. But any discount will cut the cost of coverage.

To see a list of companies with discount rates, click here.

Do I need special coverages?

When it comes to choosing adequate coverage, there really is no cookie cutter policy. Every situation is different so this has to be addressed. Here are some questions about coverages that might point out if your situation might need an agent’s assistance.

Is my teen driver covered when they drive my company car?
Can I get a multi-policy discount for packaging my home and auto coverage?
Is upholstery damage covered by car insurance?
Am I covered if my car is in a flood?
Is pleasure use cheaper than using my 1996 Ford Contour to commute?
Do I have coverage for damage caused while driving under the influence?
Do I need replacement cost coverage on my 1996 Ford Contour?

If you’re not sure about those questions then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Coverages available on your insurance policy

Knowing the specifics of your insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverages offered by insurance companies.

Collision coverage – Collision coverage pays for damage to your Contour caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as colliding with another moving vehicle, rolling your car, hitting a parking meter and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision) – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as hitting a bird, hitting a deer and hail damage. The most a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical expense insurance – Medical payments and Personal Injury Protection insurance kick in for bills such as EMT expenses, X-ray expenses, ambulance fees and prosthetic devices. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Liability coverages – This coverage provides protection from injuries or damage you cause to a person or their property that is your fault. This coverage protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has 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 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things like medical expenses, court costs, structural damage and funeral expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Protection from uninsured/underinsured drivers – This coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Ford Contour.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Affordable insurance is out there

Cheaper 1996 Ford Contour insurance is definitely available from both online companies and also from your neighborhood agents, so you should be comparing quotes from both to get a complete price analysis. There are still a few companies who may not have online rate quotes and most of the time these regional carriers only sell coverage through independent agencies.

When trying to cut insurance costs, it’s not a good idea to buy poor coverage just to save money. There are too many instances where an accident victim reduced comprehensive coverage or liability limits only to discover later they didn’t have enough coverage. The goal is to purchase plenty of coverage at the best price but still have enough coverage for asset protection.