1997 Ford Aspire Car Insurance Quotes

Searching for lower insurance rates for your Ford Aspire? Locating low-cost insurance for a Ford Aspire can be difficult, but you can follow the following methods and make it easy.

There is a right way and a wrong way to compare insurance rates so you’re going to learn the best way to compare rates on a Ford and get the lowest price.

If you are insured now or are just looking to switch companies, you can follow these tips to shop for the lowest rates and possibly find even better coverage. Locating the lowest cost coverage is quite easy. Consumers just need to learn the tricks to compare rates online.

How to lower your auto insurance cost

Lowering your 1997 Ford Aspire auto insurance rates can be quick and easy. The only requirement is to invest a little time to get quotes from different insurance companies. Rate comparisons can be done using a couple different methods.

  1. The best way to find low rates is a comparison rater form click here to open form in new window. This easy form prevents you from having to do separate quote forms to each individual auto insurance company. Taking the time to complete one form gets prices estimates from multiple companies. It’s the fastest way to compare.
  2. A more difficult way to analyze rates requires a trip to each company’s website and request a quote. For example, let’s say you want comparison quotes from Nationwide, State Farm and Liberty Mutual. You would be required to go to every website and repeatedly type in your coverage information, which is why most consumers use the first method. To view a list of companies in your area, click here.
  3. The last method to comparison shop is to drive around to insurance agencies in your area. The fact that you can get quotes online reduces the need to sit down with an agent unless you require the professional abilities of a local agency. Drivers can obtain prices from the web but still have the advice of a local agent.

Whichever way you use, ensure you are comparing identical information on every price quote you get. If the quotes have mixed coverages it will be next to impossible to make a fair rate comparison.

More affordable rates by taking advantage of discounts

Car insurance is not cheap, but there are discounts available that can help lower your rates. Some of these disounts will be visible when you purchase, but lesser-known reductions have to be specially asked for before you will receive the discount.

  • Seat Belts Save – Requiring all passengers to fasten their seat belts can save up to 15% on medical payment and PIP coverage.
  • Telematics Discount – Drivers who agree to allow driving data submission to spy on driving manner by using a telematics device in their vehicle such as Progressive’s Snapshot could see a rate decrease if they are good drivers.
  • Safety Course Discount – Participating in a class that teaches defensive driving techniques could cut 5% off your bill depending on where you live.
  • Passive Restraints and Air Bags – Factory options such as air bags or motorized seat belts may qualify for discounts of 20 to 30 percent.
  • Organization Discounts – Joining specific professional or occupational memberships or organizations is a simple method to lower premiums when getting a insurance quote.

Please keep in mind that some credits don’t apply to the overall cost of the policy. A few only apply to specific coverage prices like liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, companies wouldn’t make money that way. Any amount of discount should definitely cut the cost of your policy.

Car insurance companies that possibly offer these discounts are:

If you want cheap insurance quotes, ask each insurance company how you can save money. Some of the earlier mentioned discounts might not apply in every state.

How you can control Ford Aspire insurance prices

When buying insurance it’s important to understand the factors that help determine your premiums. If you understand what determines premiums, this enables informed choices that could help you find lower premium levels.

The following are a few of the “ingredients” used by insurance companies to determine your rate level.

  • Guys pay higher premiums – Over time, data shows that females tend to be a little less risky than males. The data does not necessarily mean that females are better at driving than males. Females and males cause at-fault accidents at a similar rate, but the men cause more damage and cost insurance companies more money. In addition to higher claims, males also get more serious tickets such as reckless driving.
  • Annual miles is a factor – Driving more miles in a year’s time the higher your rate. Almost all companies price each vehicle’s coverage based on how the vehicle is used. Vehicles used primarily for pleasure use receive lower rates than those used for commuting. Ask your agent if your insurance policy states the right rating data, because it can save money. An incorrectly rated Aspire is just wasting money.
  • Traffic violations increase rates – Drivers with clean records pay lower auto insurance prices than bad drivers. Getting just one speeding ticket can bump up the cost forty percent or more. People who have multiple violations such as reckless driving, hit and run or driving under the influence may find they need to prove financial responsibility to the state department of motor vehicles in order to continue driving.
  • More traffic means higher claims – Being located in smaller towns and rural areas of the country is a positive aspect when it comes to insurance. Fewer people translates into fewer accident claims as well as less vandalism and auto theft. Drivers who live in large cities have more traffic problems and higher rates of accident claims. More time on the road means more chances of being involved in an auto accident.
  • Excellent credit scores equal low costs – Having a bad credit rating will be a significant factor in determining what you pay for insurance. Insureds that have very good credit scores tend to be better drivers and file fewer claims than drivers who have lower credit scores. So if your credit rating can be improved, you could potentially save money when insuring your 1997 Ford Aspire if you improve your credit rating.
  • Safer vehicles means cheaper insurance rates – Vehicles with high crash test scores tend to be cheaper to insure. Vehicles engineered for safety reduce occupant injuries and lower injury rates means lower claim amounts which can result in lower premiums.
  • No insurance claims equals lower premiums – If you frequently file small claims, you can definitely plan on either a policy non-renewal or much higher rates. Insurance companies generally give lower rates to drivers who are claim-free. Auto insurance is meant to be used in the event of more catestrophic claims.
  • Don’t cut corners with liability coverage – Your policy’s liability coverage provides coverage when a court rules you are at fault for damages from an accident. Your policy’s liability insurance provides legal defense up to the limits shown on your policy. It is affordable coverage when compared to the cost of physical damage coverage, so drivers should carry high limits.

How much car insurance do I need?

When choosing the best car insurance coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s needs are different.

For example, these questions can aid in determining whether your personal situation might need an agent’s assistance.

  • When can I cancel my policy?
  • How high should my medical payments coverage be?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • What can I do if my company denied a claim?
  • Should I buy full coverage?
  • Is my trailer covered?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Can my teen driver be rated on a liability-only vehicle?
  • Why does it cost so much to insure a teen driver?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and can help protect your family.

But the ad said I’d save 15% in 15 minutes!

Consumers get pounded daily by advertisements for insurance savings by companies like GEICO, State Farm and Progressive. All the companies advertise the message that you’ll save big if you switch your coverage.

But how can every company offer drivers better rates? It’s all in how they say it.

All the different companies have specific criteria for the type of driver that will generate a profit. A good example of a profitable risk profile might have to be a married male, has no claims, and insures a new vehicle. Anybody who fits those characteristics will qualify for the lowest premium rates and is almost guaranteed to pay quite a bit less when switching companies.

Consumers who cannot meet these stringent criteria will have to pay higher prices and ends up with the customer buying from someone else. The ads say “drivers who switch” not “everyone who quotes” can get the lowest rates when switching. That’s why companies can advertise the way they do.

Different companies use different criteria so it is so important to get insurance quotes from several different companies. Because you never know which insurance companies will fit your personal profile best.

Car insurance coverage options for a Ford Aspire

Knowing the specifics of car insurance helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Medical expense insurance

Med pay and PIP coverage reimburse you for short-term medical expenses for funeral costs, EMT expenses, X-ray expenses, pain medications and dental work. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

This coverage covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as a broken windshield, falling objects, vandalism, damage from getting keyed and fire damage. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Ford Aspire.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually the UM/UIM limits are similar to your liability insurance amounts.

Auto collision coverage

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

Collision coverage protects against claims such as scraping a guard rail, hitting a parking meter, colliding with a tree and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Liability coverage

Liability coverage provides protection from damage or injury you incur to other’s property or people. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims like repair costs for stationary objects, attorney fees and loss of income. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

More comparisons equals lower rates

We’ve covered some good ideas how you can shop for 1997 Ford Aspire insurance online. The key concept to understand is the more times you quote, the higher your chance of finding the cheapest insurance. You may even discover the best price on insurance is with the least-expected company.

Insureds who switch companies do it for any number of reasons including questionable increases in premium, unfair underwriting practices, high prices or even extreme rates for teen drivers. Regardless of your reason, choosing a new company can be pretty painless.

Some insurance companies don’t offer the ability to get quotes online small insurance companies sell through local independent agencies. Cheap 1997 Ford Aspire insurance can be bought from both online companies in addition to many insurance agents, and you need to comparison shop both to have the best rate selection.

More information can be found on the following sites: