Lower Your 1991 Ford Festiva Insurance Rates

Feel like you’re a prisoner to an overpriced insurance coverage policy? Believe me, you are not the only one feeling buyer’s remorse. Because you have many insurance providers from which to choose, it can be impossible to pick the right insurance company.

Shopping for cheaper protection can be fairly easy. If you have a policy now or are looking for a new policy, you can learn to cut your premiums and still get good coverage. Consumers only need to know the tricks to buy auto insurance online.

Quick Auto Insurance Quotes

Getting a cheaper price on 1991 Ford Festiva insurance is actually quite simple. The only thing you need to do is take a couple of minutes comparing rates online with multiple companies. It is quite easy and can be accomplished in several different ways.

The fastest way to get quotes is to use a rate comparison form click here to open form in new window. This form keeps you from doing boring form submissions for each company you want a rate for. A single, simple form gets you price quotes from auto insurance companies with the best prices.
A harder way to get quotes online requires a visit to each company’s website and complete a new quote form. For instance, let’s assume you want to compare Allstate, Farmers and Liberty Mutual. To get rate quotes you would need to spend time on each company’s site and enter your policy data, which is why the first method is more popular. To view a list of companies in your area, click here.

Whichever way you use, be sure to compare exactly the same coverage limits on every quote you get. If each company quotes higher or lower deductibles it will be next to impossible to determine the best price for your Ford Festiva.

Take discounts and save

The price of auto insurance can be rather high, but discounts can save money and there are some available to reduce the price significantly. Certain discounts will be applied at the time you complete a quote, but a few must be asked for before you will receive the discount. If you don’t get every credit available, you’re just leaving money on the table.

Anti-theft Discount – Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
Organization Discounts – Affiliation with a professional or civic organization is a good way to get lower rates when shopping for car insurance for Festiva coverage.
Federal Employees – Employees or retirees of the government may qualify you for a discount for Festiva coverage with certain companies.
Multiple Vehicles – Buying coverage for multiple vehicles with the same company may reduce the rate for each vehicle.
Driver Safety – Completing a course in driver safety could possibly earn you a 5% discount if you qualify.

Consumers should know that most of the big mark downs will not be given to all coverage premiums. Some only reduce the price of certain insurance coverages like medical payments or collision. Even though it may seem like all the discounts add up to a free policy, it doesn’t quite work that way. Any amount of discount will bring down your premiums.

Insurance companies that possibly offer some of the above discounts include:

Before buying, ask each insurance company how you can save money. Discounts may not be available everywhere.

Which policy gives me the best coverage?

When buying the right insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Each situation is unique and your policy should reflect that. These are some specific questions may help you determine whether or not you would benefit from professional advice.

When can my company non-renew my policy?
Does my 1991 Ford Festiva qualify for pleasure use?
Where can I find DUI or SR-22 insurance?
Do I have coverage when using my vehicle for my home business?
Why am I required to buy high-risk coverage?
Am I covered if I wreck a rental car?
When should my teen driver be added to my policy?
Do I have coverage for damage caused while driving under the influence?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Car insurance coverages explained

Knowing the specifics of car insurance aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages found on the average car insurance policy.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as rehabilitation expenses, nursing services, doctor visits, X-ray expenses and surgery. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive coverages

This covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hail damage, falling objects, a tree branch falling on your vehicle, damage from flooding and vandalism. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Ford Festiva.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these limits are similar to your liability insurance amounts.

Auto collision coverage

Collision insurance pays for damage to your Festiva from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as rolling your car, crashing into a building, sustaining damage from a pot hole, driving through your garage door and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Coverage for liability

Liability coverage provides protection from damages or injuries you inflict on other people or property in an accident. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as structural damage, bail bonds, loss of income, legal defense fees and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.