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Ford Contour Insurance Quotes

Buying car insurance through online companies can be fast and easy, in addition you may find lower rates. The most important part is to compare as many rate quotes as possible so you can compare every possible rate.

If you're new to shopping for car insurance online, you may be confused by the hoards of car insurance companies selling insurance. The are a couple different ways to compare quotes from different insurance companies. The best way to find the lowest Contour insurance cost is to get quotes online. This is very easy and can be done by visiting this page.

Criteria which help determine Contour insurance rates

Insurance premiums for a Ford Contour will vary greatly depending on several factors. A few of these criteria are:

  • A clean driving record keeps rates low
  • Your credit history
  • Where you live
  • How many miles you drive
  • Your gender can raise or lower rates
  • Higher deductibles save money
  • NTSB crash rating for your vehicle
  • Your job
  • The level of coverage
  • Owning a home can lower rates

One important consideration that helps determine your rates is the age of the vehicle. Older models have a much lower replacement value compared to new Ford models so repair costs tend to be lower which may result in lower rates. Conversely, newer models have more advanced features such as a rollover prevention system, a backup camera, a telematics system, and adaptive cruise control so those may provide discounts that lower premiums.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle from the following list.

Coverage for liability

This coverage protects you from injuries or damage you cause to other people or property in an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so buy as much as you can afford.

Collision coverage protection

Collision insurance pays for damage to your Ford caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in. Contour collision insurance is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for uninsured or underinsured drivers

This coverage gives you protection from other drivers when they do not carry enough liability coverage. Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Insurance for medical payments

Med pay and PIP coverage pay for bills like ambulance fees, surgery, and doctor visits. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage.

How Much are Ford Contour Insurance Rates?