1999 Ford Contour Insurance Rates

Looking for the cheapest auto insurance rates for your Ford Contour? Finding the cheapest insurance for a Ford Contour can turn out to be an all-consuming task, but you can learn our auto insurance buying tips and make it easy.

There are more efficient ways to buy auto insurance and we’ll show you the best way to price shop coverage for your Ford and obtain the lowest possible price from both online companies and local agents.

You need to check auto insurance prices at least once a year because auto insurance prices are constantly changing. Even if you got the best quotes for Contour coverage a year ago you can probably find a better rate now. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate the things you must know in order to properly buy coverages while reducing your premium.

Take policy discounts and save

Car insurance is not inexpensive, but you may be missing some discounts to reduce the price significantly. Some trigger automatically when you purchase, but a few need to be requested specifically in order for you to get them.

  • E-sign – A few companies give back up to $50 for completing your application on their website.
  • Homeowners Savings – Simply owning a home can get you a discount because maintaining a house shows financial diligence.
  • Low Mileage – Low mileage vehicles can earn slightly better rates than normal.
  • More Vehicles More Savings – Buying insurance for primary and secondary vehicles on the same car insurance policy can get a discount on all vehicles.
  • Early Payment Discounts – By paying your entire bill at once instead of monthly or quarterly installments you can avoid the installment charge.

As a disclaimer on discounts, most discount credits are not given to the entire cost. The majority will only reduce individual premiums such as physical damage coverage or medical payments. Even though it appears having all the discounts means you get insurance for free, it doesn’t quite work that way. Any qualifying discounts will help reduce the amount you pay for coverage.

If you would like to view companies who offer cheap car insurance quotes, click here to view.

How insurers calculate Ford Contour insurance costs

Multiple criteria are part of the equation when premium rates are determined. Some factors are common sense such as traffic violations, but other factors are not quite as obvious like your continuous coverage or how safe your car is.

  • Long commutes cost more – The higher the mileage driven each year the more you will pay for car insurance. The majority of insurers apply a rate based upon how the vehicle is primarily used. Cars that have low annual miles can be on a lower rate level compared to those used for work or business. Verify your declarations sheet is rated on annual mileage. Improper usage on your Contour can cost quite a bit.
  • City dwellers may pay more – Living in less populated areas may provide you with better prices when insuring your vehicles. Drivers who live in large cities have to deal with much more traffic and longer commute times. Less people living in that area means reduced accidents and lower theft and vandalism rates.
  • Having a spouse reduces risk – Walking down the aisle can get you a discount compared to being single. Having a significant other means you’re more mature than a single person and statistics prove drivers who are married are more cautious.
  • Liability insurance is cheap – Your policy’s liability coverage will afford coverage when you are found to be at fault for personal injury or accident damage. It will provide legal defense up to the limits shown on your policy. Liability insurance is quite affordable as compared to coverage for physical damage, so drivers should make sure they buy enough to cover all assets.
  • Never let your car insurance policy lapse – Driving without insurance coverage in place is against the law and companies may charge more for letting your insurance lapse for non-payment. Not only will you pay higher rates, not being able to provide proof of insurance could earn you a fine, jail time, or a revoked license.
  • Your vocation is a factor – Did you know your career choice can influence rates? Occupations such as doctorsair traffic controllers and emergency personnel generally pay the highest average rates attributed to high stress and lots of time spent away from family. Conversely, occupations like actors, engineers and the unemployed have the lowest average rates for Contour coverage.
  • Pay less with a high IIHS safety rating – Safer cars get lower rates. Vehicles engineered for safety result in less severe injuries and lower injury rates translates directly to fewer claims which can result in lower premiums. If your Ford is rated at a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.
  • Raising deductibles lowers costs – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, helps pay for damage to your vehicle. Examples of some claims that would be covered would be a broken windshield, hail damage, and damage caused by flying debris. Your deductibles define how much the insured will be required to pay if a covered claim is submitted. The more expense the insured is willing to pay, the less money you will pay for car insurance for Contour coverage.

Which policy gives me the best coverage?

When it comes to choosing proper insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is unique.

For instance, these questions may help you determine if your insurance needs will benefit from professional help.

  • Does coverage extend to my business vehicle?
  • What is roadside assistance coverage?
  • What exactly is covered by my policy?
  • Do I need added coverage for expensive stereo equipment?
  • Do I need motorclub coverage?
  • How can I force my company to pay a claim?
  • Can I still get insurance after a DUI?
  • Why does it cost so much to insure a teen driver?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form. It is quick, free and may give you better protection.

Are you falling for claims of savings?

Drivers can’t escape the ads for cheaper auto insurance by State Farm, Allstate and GEICO. They all seem to convey the message that drivers will save a bundle if you switch your auto insurance coverage to their company.

Is it even possible that every company can charge you less for car insurance? Here is how they do it.

All companies offer their best rates for the driver that will not have excessive claims. For example, a desirable risk should be a married female, is a homeowner, and insures a new vehicle. Any customer who fits those characteristics will probably get the lowest car insurance rates and as a result will probably save a lot of money.

Consumers who are not a match for these stringent criteria will have to pay higher premium rates with the end result being business going elsewhere. If you pay attention, the ads say “people who switch” not “all people who quote” save that much. That’s the way companies can truthfully state the savings.

Because of this risk profiling, you really should do a quote comparison often. It’s just not possible to know the company that will give you lower premium rates than your current company.

Insurance coverage considerations

Knowing the specifics of your policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Uninsured and underinsured coverage

This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as damage to your Ford Contour.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for medical payments

Med pay and PIP coverage pay for short-term medical expenses like dental work, surgery, EMT expenses, doctor visits and ambulance fees. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Collision coverage protection

This coverage pays for damage to your Contour from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as rolling your car, colliding with a tree, damaging your car on a curb, crashing into a building and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Auto liability insurance

Liability coverage provides protection from injuries or damage you cause to other people or property. This coverage protects you from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things like attorney fees, structural damage and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverages

This coverage pays to fix your vehicle from 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 protects against claims such as hitting a bird, a broken windshield, hitting a deer and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Pennies from heaven

While you’re price shopping online, it’s a bad idea to sacrifice coverage to reduce premiums. There have been many situations where an insured dropped liability limits or collision coverage only to find out that it was a big mistake. The proper strategy is to purchase a proper amount of coverage at the best possible price but still have enough coverage for asset protection.

People switch companies for many reasons like being labeled a high risk driver, policy non-renewal, policy cancellation and even high prices. Regardless of your reason for switching companies, switching insurance companies can be pretty painless.

We just covered a lot of ways to get a better price on 1999 Ford Contour insurance. The key concept to understand is the more quotes you get, the better likelihood of getting cheaper insurance. You may even find the biggest savings come from a small local company.

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