Cheaper 1999 Ford Contour SVT Insurance Rates

Searching for lower insurance coverage rates for your Ford Contour SVT? Did a good deal turn out to be an underperforming, overpriced insurance coverage policy? Believe me, many consumers are in the same pinch.

Many insurers vie for your insurance dollar, and it can be difficult to compare rates to discover the definitive lowest price

You need to do price comparisons yearly because insurance coverage prices change frequently. If you had the best deal on Contour SVT coverage at your last renewal other companies may now be cheaper. Block out anything you think you know about insurance coverage because I’m going to teach you the best way to lower your annual insurance bill.

Lower the price of car insurance with these tips

It’s important that you understand some of the factors that go into determining the rates you pay for car insurance. If you understand what impacts premium levels, this enables you to make decisions that will entitle you to big savings.

  • Where you live factors in – Having an address in a small town may provide you with better prices when trying to find low car insurance rates. Less people living in that area means a lower chance of having an accident and also fewer theft and vandalism claims. People in densly populated areas tend to have more road rage incidents and longer commute times. More time commuting means a statistically higher chance of an accident.
  • Better prices on safer vehicles – Cars with high safety ratings are cheaper to insure. Vehicles built for safety help reduce the chance of injuries in an accident and reduced instances of injuries translates into fewer and smaller insurance claims and cheaper rates on your policy.
  • Amount of liability protection – Liability coverage will protect you if a court rules you are at fault for an accident. Liability insurance provides legal defense up to the limits shown on your policy. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.
  • Poor credit rating equals high costs – Having a good credit score is a large factor in determining what you pay for car insurance. People that have high credit ratings tend to be better drivers and file fewer claims than drivers who have lower credit scores. Therefore, if your credit could use some work, you could pay less to insure your 1999 Ford Contour SVT by improving your rating.

The quickest method to compare car insurance rates takes advantage of the fact auto insurance companies participate in online systems to compare rate quotes. The only thing you need to do is provide a little information such as the type of vehicles you drive, if it has an anti-theft system, if you are currently licensed, and driver ages. The rating information is submitted instantly to multiple companies and they respond with quotes almost instantly.

To compare rates for your car now, click here and find out if lower rates are available.

Car insurance companies are expert advertisers

Respected companies like State Farm, GEICO and Progressive constantly bombard you with ads on TV and radio. They all seem to make the same claim about how much you will save after switching your policy. How is it possible that every company can give you a lower rate? Here is the trick they use.

Different companies are able to cherry pick for the driver that is profitable for them. A good example of this type of insured could be between the ages of 30 and 50, owns a home, and drives less than 7,500 miles a year. Anyone that meets those criteria will most likely get cheap auto insurance rates and will save money with a new company.

Potential insureds who don’t measure up to the “perfect” profile may receive more expensive rates and business going elsewhere. The ads say “customers that switch” not “all people who quote” save the amount stated. This is how companies can advertise the way they do. Because of the profiling, you really should do a rate comparison at every renewal. You cannot predict which insurance companies will provide the lowest prices.

Auto insurance discounts are available to reduce your rates

Not many people think insurance is cheap, but you might be missing out on some discounts that you may not even be aware of. Most are applied when you get a quote, but occassionally some discounts must be specially asked for before you will receive the discount.

  • Defensive Driver – Participating in a course in driver safety could save 5% or more if you qualify.
  • Paper-free Discount – Some companies will give you a small discount for completing your application on your computer.
  • Life Insurance – Select companies reward you with better rates if you take out life insurance from them.
  • Clubs and Organizations – Having an affiliation with specific professional or occupational memberships or organizations is a good way to get lower rates on your policy.
  • Low Mileage Discounts – Fewer annual miles on your Ford could be rewarded with lower premium rates due to less chance of an accident.
  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems may qualify for discounts of 20 to 30 percent.
  • Military Discounts – Having an actively deployed family member may lower your prices slightly.
  • Discount for New Cars – Buying a new car instead of a used car can get you a discount compared to insuring an older model.
  • Save with More Vehicles Insured – Buying insurance for more than one vehicle on the same auto insurance policy qualifies for this discount.
  • Onboard Data Collection – Insureds that choose to allow their auto insurance company to study their driving habits by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if they have good driving habits.

It’s important to understand that some credits don’t apply to all coverage premiums. Most only apply to the cost of specific coverages such as comp or med pay. So when the math indicates you can get free auto insurance, companies wouldn’t make money that way.

Some of the larger companies who might offer many of the previously listed discounts may include but are not limited to:

Check with all the companies the best way to save money. All car insurance discounts may not apply to policies in your area. To see auto insurance companies that offer the discounts shown above, click here.

Everyone needs different car insurance coverages

When choosing the right insurance coverage for your vehicles, there really is not a cookie cutter policy. Each situation is unique so your insurance should reflect that These are some specific questions might help in determining whether or not you may require specific advice.

  • Is my teenager covered with friends in the car?
  • Do I need replacement cost coverage on my 1999 Ford Contour SVT?
  • Am I insured when driving a different vehicle?
  • Should I put collision coverage on all my vehicles?
  • Where can I get insurance after a DUI in my state?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • What is UM/UIM insurance?
  • What happens if I owe more than my 1999 Ford Contour SVT is worth?
  • Do I need motorclub coverage?
  • Can my teen driver be rated on a liability-only vehicle?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

Insurance coverage specifics

Having a good grasp of insurance aids in choosing the best coverages for your vehicles. Insurance terms can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverage types found on the average insurance policy.

Comprehensive coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as vandalism, a tree branch falling on your vehicle and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

This gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision coverage protection

This coverage pays for damage to your Contour SVT resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as driving through your garage door, scraping a guard rail, colliding with a tree, sideswiping another vehicle and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Liability auto insurance

This coverage protects you from damage that occurs to a person or their property by causing an accident. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things such as emergency aid, medical expenses, attorney fees, loss of income and legal defense fees. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for bills such as EMT expenses, X-ray expenses and nursing services. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Save for a rainy day

We’ve covered many ideas to lower your 1999 Ford Contour SVT insurance car insurance rates. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your premium rates. Consumers could even find that the lowest priced auto insurance comes from some of the lesser-known companies. Regional companies may often insure only within specific states and give getter rates than their larger competitors like Allstate, GEICO and Progressive.

Some companies may not provide online rate quotes and these smaller providers only sell through independent agents. Lower-priced auto insurance can be sourced on the web and from local agencies, and you need to comparison shop both to have the best selection.

Additional information can be found below: