1998 Ford Contour SVT Insurance Rates

Nobody likes paying for insurance coverage, especially knowing they are paying too much. Because you have many insurance providers from which to choose, it is very difficult to locate the most cost effective insurance company.

Consumers need to compare premium rates before your policy renews because insurance rates change regularly. Just because you had the best premium rates for Contour SVT insurance six months ago the chances are good that you can find a lower price today. Forget all the misinformation about insurance coverage because we’re going to demonstrate the quickest way to properly buy coverages while reducing your premium.

Buy Ford Contour SVT insurance more affordably

Many factors are part of the calculation when you quote your car insurance policy. Some factors are common sense such as traffic violations, although some other factors are less apparent like your vehicle usage or your vehicle rating.

Teenagers vs. older drivers – Drivers with little experience have been known to be inattentive behind the wheel so insurance coverage rates are higher. Older insureds are shown to be more cautious, cause fewer claims and accidents , and are generally more financially stable.
Save miles and save money – Driving more miles each year the more you will pay for insurance coverage. Most insurance companies charge rates determined by how the vehicle is used. Autos left parked in the garage get more affordable rates than vehicles that have high annual mileage. Having an incorrect usage rating on your Contour SVT can result in significantly higher rates. It’s a good idea to make sure your insurance coverage policy reflects how each vehicle is driven, because it can save money.
Good drivers pay the best prices – Getting just one chargable violation may cause rates to rise substantially. Good drivers receive lower rates than their less careful counterparts. People who have flagrant violations like reckless driving, hit and run or driving under the influence may need to file a SR-22 with their state’s department of motor vehicles in order to legally drive.
Does your occupation cost you more? – Did you know your job can affect your rates? Careers like military generalspolice officers and emergency personnel tend to have the highest average rates attributed to intense work-related stress and long work days. Conversely, jobs such as scientists, historians and retirees have lower than average premiums for Contour SVT insurance.
Frequent policy claims increase rates – Companies generally give the lowest premiums to drivers who are not frequent claim filers. If you file a lot of claims you can definitely plan on increased rates or even have your policy non-renewed. Your car insurance is intended for claims that pose a financial burden.
Gals tend to be lower risk – Statistics demonstrate that men are more aggressive behind the wheel. This data doesn’t prove that men are worse drivers. Males and females are responsible for at-fault accidents at about the same rate, but males cause more damage. Not only are claims higher, but men get ticketed for serious violations like DUI and reckless driving. Young men ages 16 to 20 tend to get in the most accidents and therefore are the most expensive to insure.

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Take policy discounts and save

Some companies do not list all possible discounts in an easy-to-find place, so the list below contains some of the best known and also the lesser-known ways to save on insurance.

Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts can get savings of 25 to 30%.
Claim Free – Drivers who stay claim-free can save substantially when compared with drivers with a long claim history.
Sign Early and Save – Some insurance companies give discounts for switching policies before your current policy expires. It can save you around 10%.
Pay Early and Save – By paying your policy upfront instead of paying each month you can avoid monthly service charges.
Student Driver Training – It’s a good idea to have your young drivers enroll and complete driver’s education in school or through a local driver safety program.
Senior Citizen Rates – Drivers over the age of 55 are able to get a slight reduction on a auto insurance quote for Contour SVT insurance.
Accident Forgiveness Coverage – This one is not really a discount per se, but a handful of insurance companies will forgive one accident without getting socked with a rate hike so long as you are claim-free prior to the accident.
Federal Government Employee – Having worked for a branch of the government could qualify for a slight premium decrease for Contour SVT insurance with certain companies.

We need to note that most of the big mark downs will not be given to the overall cost of the policy. Some only reduce specific coverage prices like comprehensive or collision. Even though it appears adding up those discounts means a free policy, it doesn’t quite work that way.

Large insurance companies and their possible discounts are outlined below.

GEICO discounts include anti-theft, military active duty, daytime running lights, air bags, and emergency military deployment.
Travelers offers discounts for IntelliDrive, new car, hybrid/electric vehicle, multi-car, save driver, and payment discounts.
Nationwide may have discounts that include good student, accident-free, business or organization, anti-theft, and multi-policy.
Farmers Insurance may include discounts for pay in full, teen driver, homeowner, switch companies, bundle discounts, distant student, and mature driver.
Esurance has savings for renters, online quote, good student, homeowner, claim free, emergency road assistance, and online shopper.
State Farm policyholders can earn discounts including safe vehicle, anti-theft, good student, Drive Safe & Save, passive restraint, multiple autos, and defensive driving training.
Progressive has discounts for homeowner, continuous coverage, multi-vehicle, good student, online signing, and multi-policy.
Mercury Insurance offers premium reductions for ease of repair, accident-free, anti-theft, professional/association, location of vehicle, and annual mileage.

When quoting, ask each company or agent how you can save money. Some discounts may not apply to policyholders in your area.

Which policy gives me the best coverage?

When it comes to choosing coverage, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance should reflect that For instance, these questions might help in determining if your insurance needs could use an agent’s help.

Does my 1998 Ford Contour SVT need full coverage?
When do I need to add a new car to my policy?
Am I covered when driving in Canada or Mexico?
How many claims can I have before being cancelled?
How high should deductibles be on a 1998 Ford Contour SVT?
Does my insurance cover my expensive audio equipment?
How does medical payments coverage work?
Who is covered when they drive my 1998 Ford Contour SVT?
Am I covered if I hit a deer?
Are there companies who specialize in insuring high-risk drivers?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance policy specifics

Understanding the coverages of insurance can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are the normal coverages found on the average insurance policy.

Medical costs insurance

Med pay and PIP coverage pay for expenses like doctor visits, nursing services and X-ray expenses. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as fire damage, a broken windshield, a tree branch falling on your vehicle, damage from a tornado or hurricane and hail damage. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

UM/UIM Coverage

This coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Ford Contour SVT.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability car insurance

Liability insurance provides protection from damages or injuries you inflict on other’s property or people that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things like medical expenses, court costs and structural damage. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Collision protection

This coverage covers damage to your Contour SVT from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like damaging your car on a curb, crashing into a building, hitting a mailbox, crashing into a ditch and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Be a money saver!

You just learned a lot of techniques to reduce 1998 Ford Contour SVT insurance premium rates online. The key concept to understand is the more rate comparisons you have, the better your comparison will be. Drivers may discover the lowest premium rates come from a smaller regional carrier. Regional companies can often provide lower prices in certain areas as compared to the big name companies such as Allstate, GEICO and Progressive.

As you quote auto insurance, it’s a bad idea to reduce coverage to reduce premium. There have been many cases where someone sacrificed comprehensive coverage or liability limits only to discover later that the few dollars in savings costed them thousands. Your objective should be to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

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