Compare 2000 Ford Contour Car Insurance Quotes

Locating low-cost insurance for a Ford Contour can normally be a painful process, but you can learn a few tricks to find lower rates.

There are more efficient ways to compare insurance rates so you’re going to learn the absolute fastest way to compare rates for a new or used Ford and get the lowest possible price from both online companies and local agents.

It is always a good idea to shop coverage around every six months because prices change regularly. Despite the fact that you may have had the best price for Contour insurance a year ago you will most likely find a better rate today. Ignore everything you know about insurance because we’re going to demonstrate the best way to find great coverage at a great price.

Compare quotes for insurance coverage

Shopping for lower insurance coverage rates can be challenging if you don’t know the most efficient way. You can waste a few hours (or days) talking to agents in your area, or you can utilize online quoting to get prices fast.

Most major companies belong to an insurance system where insurance shoppers complete one form, and each participating company returns a rated price based on that information. This prevents consumers from doing quote requests to each individual insurance coverage company.

To participate in this free quote system, click here to start a free quote.

The only downside to getting quotes like this is you are unable to specify the insurers you want to price. So if you prefer to pick individual companies for rate comparison, we have a listing of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.

Compare rates however you want, just double check that you are using identical coverage limits with every price quote. If you have different limits and deductibles on each one it will be impossible to determine the best price for your Ford Contour.

Find discounts to get cheap insurance rates

Companies that sell car insurance don’t always list their entire list of discounts very well, so the next list breaks down a few of the more well known and the more hidden discounts that you can inquire about if you buy car insurance online. If you check and find you aren’t receiving every discount possible, you are throwing money away.

  • Low Mileage – Fewer annual miles on your Ford may allow you to get cheaper prices.
  • Student Driver Training – It’s a good idea to have your young drivers take driver’s ed class in school or through a local driver safety program.
  • Theft Deterent Discount – Cars that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Seat Belt Usage – Drivers who require all occupants to buckle their seat belts can save up to 10 percent (depending on the company) off the medical payments premium.
  • Online Discount – Certain insurance companies provide a small discount for buying your policy on the web.
  • Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase some life insurance in addition to your auto policy.
  • Telematics Discount – Insureds that choose to allow their insurance company to study vehicle usage by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction if they have good driving habits.
  • No Claims – Good drivers with no accidents are rewarded with significantly better rates on car insurance quote compared to policyholders that have many claims.
  • Multi-Vehicle Discounts – Buying a policy with multiple vehicles on a single policy could earn a price break for each car.
  • Senior Citizen Rates – Seniors may qualify for a slight reduction on a car insurance quote for Contour insurance.

Consumers should know that some of the credits will not apply to all coverage premiums. A few only apply to individual premiums such as liability and collision coverage. Just because it seems like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

Car insurance companies that may offer these benefits include:

If you need cheap car insurance quotes, ask every insurance company which discounts you qualify for. Savings may not be available in every state. If you would like to view insurance companies with discount insurance rates, click here to view.

Tailor your car insurance coverage to you

When it comes to choosing the best car insurance coverage, there really is no single plan that fits everyone. Everyone’s needs are different.

For instance, these questions might point out whether your personal situation would benefit from an agent’s advice.

  • Should I file a claim if it’s only slightly more than my deductible?
  • Is a blown tire covered by insurance?
  • Are split liability limits better than a combined single limit?
  • Does coverage extend to Mexico or Canada?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • How much liability do I need to cover my assets?
  • How high should deductibles be on a 2000 Ford Contour?
  • Is upholstery damage covered by car insurance?
  • What is medical payments coverage?

If you’re not sure about those questions, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and can provide invaluable advice.

Informed consumers know how to get auto insurance at a discount

When buying auto insurance it’s important to understand some of the factors that go into determining your policy premiums. If you have some idea of what determines base rates, this enables you to make decisions that can help you get lower auto insurance prices. Many things are used when you quote your car insurance policy. Some are obvious such as traffic violations, but others are less apparent like your continuous coverage or your financial responsibility.

The list below includes some of the major factors used by companies to determine premiums.

  • Premiums can change based on your address – Having an address in smaller towns and rural areas of the country has it’s advantages when talking about auto insurance. Drivers who live in large cities regularly have congested traffic and longer commutes to work. Fewer drivers on the road translates into fewer accidents and lower theft and vandalism rates.
  • Prevent policy lapses – Driving any period of time without insurance is not a good idea and companies may charge more for letting your coverage cancel without a new policy in place. And not only will insurance be more expensive, not being able to provide proof of insurance might get you a hefty fine and possibly a revoked license.
  • Raising deductibles lowers premiums – Physical damage protection, termed comprehensive and collision coverage on your policy, covers your vehicle from damage. Some coverage claims are a broken side mirror, hitting a deer, and burglary. Your deductibles are the amount of money you are willing to pay out-of-pocket if the claim is covered. The more of the claim you are required to pay out-of-pocket, the less your auto insurance will be for Contour insurance.
  • More stress means more cost – Jobs like real estate brokersairline pilots and dentists generally pay higher rates than average because of intense work-related stress and lots of time spent at work. Conversely, careers like scientists, engineers and retirees pay lower than average rates for Contour insurance.
  • Save money by having responsible credit – A driver’s credit history factor in your rate calculation. If your credit history could use some work, you may save money insuring your 2000 Ford Contour by repairing your credit. Insureds that have excellent credit tend to be less risk to insure as compared to drivers with lower credit scores.
  • Does insurance cost less for women? – The statistics show that females take fewer risks when driving. This data doesn’t prove that males are worse at driving than females. They both cause fender benders at about the same rate, but the males cause more damage and cost insurance companies more money. In addition to higher claims, males also get more serious tickets like driving under the influence (DUI).

Does auto insurance advertising bend the truth?

Drivers can’t get away from all the ads for auto insurance savings by Allstate and Progressive. They all advertise the message that you can save if you switch to their company.

How is it plausible that every one can offer drivers better rates? This is the way they can do it.

Companies quote their best rates for the type of driver they prefer to insure. A good example of a desirable insured might be a married female, has a clean driving record, and has excellent credit. Any new insured that matches those criteria will probably get cheap rates and therefore will save when switching.

Potential customers who fall short of this stringent profile will have to pay higher premium rates and the customer buying from someone else. The ads state “people who switch” but not “all drivers who get quotes” can get the lowest rates when switching. This is how insurance companies can confidently lure you into getting a quote.

This really illustrates why you need to get as many free car insurance quotes as possible. It’s impossible to know which auto insurance company will have better prices than you’re paying now.

Coverages available on your policy

Having a good grasp of a car insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Liability coverage

This can cover damages or injuries you inflict on other’s property or people that is your fault. It protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Alternatively, you may have a combined limit which provides one coverage limit without having the split limit caps.

Liability can pay for claims such as funeral expenses, repair bills for other people’s vehicles, bail bonds and loss of income. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as damage to your Ford Contour.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these coverages are set the same as your liablity limits.

Comprehensive car insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as theft, a tree branch falling on your vehicle and falling objects. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Med pay and PIP coverage pay for bills such as chiropractic care, pain medications, dental work, EMT expenses and ambulance fees. They are often used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Auto collision coverage

This covers damage to your Contour caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like backing into a parked car, crashing into a building, colliding with another moving vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Best coverage at the best price

As you go through the steps to switch your coverage, you should never reduce needed coverages to save money. There have been many situations where an accident victim reduced physical damage coverage and learned later that the few dollars in savings costed them thousands. Your goal should be to purchase a proper amount of coverage at a price you can afford but still have enough coverage for asset protection.

Cheap 2000 Ford Contour insurance is definitely available on the web and with local insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance providers may not have the ability to get quotes online and many times these smaller providers provide coverage only through independent agents.

People switch companies for any number of reasons including delays in paying claims, unfair underwriting practices, policy non-renewal and even high rates after DUI convictions. It doesn’t matter why you want to switch switching car insurance companies can be less work than you think.

Additional information