2000 Ford Contour SVT Car Insurance Quotes

Trying to find the cheapest car insurance rates for your Ford Contour SVT? Are you at wits end from paying out the nose to buy car insurance? You have the same problem as many other drivers.

Insurance companies such as Allstate, Progressive and GEICO all promote huge savings with fancy advertisements and consumers find it hard to sift through the bull and find the best price available.

How much does insurance coverage cost?

There are a variety of methods you can shop for insurance coverage but one way is less labor-intensive and much quicker. You could spend the better part of a day talking about coverages with local insurance agents in your area, or you can stay home and use online quoting to accomplish the same thing much quicker.

Many of the larger companies are enrolled in a marketplace where prospective buyers send in one quote, and each company can provide price quotes for coverage. This saves time by eliminating quote requests to each individual insurance coverage company. To access this free quoting program, click here (opens in new window).

The only drawback to doing it this way is you cannot specify which insurance companies to receive prices from. If you would rather choose from a list of companies to request quotes from, we have a page of insurance coverage companies in your area. Click here to view list.

Whichever method you choose, make absolute certain that you use equivalent quote information on every price quote you get. If the quotes have mixed coverages it will be next to impossible to find the best deal for your Ford Contour SVT. Having just a slight variation in insurance coverages may result in large price differences. And when comparing insurance coverage rates, know that comparing more quotes helps locate the best price.

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Tailor your insurance coverage coverage to you

When buying proper insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions might help in determining whether your personal situation would benefit from professional advice.

If I drive on a suspended license am I covered?
Am I covered when delivering products for my home-based business?
Can I still get insurance after a DUI?
How high should my medical payments coverage be?
Does my car insurance cover rental cars?
Is my dog or cat covered if injured in an accident?
Is my Ford Contour SVT covered if I use it for business?
Are rental cars covered under my policy?
Is upholstery damage covered by car insurance?
What should my uninsured motorist coverage limits be in my state?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

What insurance coverages do you need?

Having a good grasp of your policy can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are typical coverages available from insurance companies.

Auto collision coverage

This coverage pays for damage to your Contour SVT from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as scraping a guard rail, sustaining damage from a pot hole and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 2000 Ford Contour SVT.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like chiropractic care, EMT expenses, doctor visits, ambulance fees and surgery. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants in addition to getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive auto coverage

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

Comprehensive coverage protects against things like theft, hail damage, damage from flooding and hitting a bird. The maximum payout a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability coverage

This can cover damage or injury you incur to other’s property or people by causing an accident. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Occasionally you may see one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims such as emergency aid, loss of income, structural damage, repair bills for other people’s vehicles and attorney fees. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.