Save on 1994 Ford Aspire Car Insurance Quotes

Tired of scraping the payment together to pay your car insurance bill each month? You are in the same boat as many other drivers. Multiple car insurance companies compete for your business, and because of this it can be hard to compare car insurance companies to find the lowest cost out there.

Impacting insurance rates for a Ford Aspire

It’s important that you understand the different types of things that go into determining insurance coverage rates. Having a good understanding of what controls the rates you pay enables informed choices that can help you get lower insurance coverage prices.

Listed below are a few of the “ingredients” insurance coverage companies consider when setting your rates.

  • Poor driving leads to higher costs – Your driving citation history has a lot to do with how much you pay for insurance. Drivers who don’t get tickets receive lower rates than their less careful counterparts. Just one speeding ticket can bump up the cost by twenty percent. Drivers who have dangerous citations such as DUI or reckless driving may need to submit a SR-22 form with their state motor vehicle department in order to prevent a license revocation.
  • Where you live – Being located in small towns and rural areas is a positive aspect when it comes to insurance coverage. Fewer drivers means a lower chance of having an accident as well as less vandalism and auto theft. Drivers who live in large cities have to deal with more traffic problems and much longer commute distances. More time on the road can result in more accidents.
  • Don’t cancel a policy without a new one in place – Having an insurance coverage lapse is a fast way to bump up your insurance coverage costs. And not only will your rates increase, but not being able to provide proof of insurance might get you a steep fine or even jail time.You may need to file a SR-22 with your state motor vehicle department.
  • Don’t buy coverages you don’t need – There are a ton of extra coverages that you can get tricked into buying on your insurance coverage policy. Coverages like vanishing deductibles, accidental death and membership fees are examples of these. These coverages may sound good initially, but your needs may have changed so get rid of them and save.
  • Older drivers pay less – Teenage drivers tend to be less responsible when behind the wheel so they pay higher insurance coverage rates. Older insureds tend to be more responsible, tend to cause fewer accidents and receive fewer citations.
  • Optional equipment can affect rates – Choosing a vehicle that has an advanced theft prevention system can save you a little every year. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart car theft.
  • Safer cars cost less to insure – Vehicles with good safety scores get lower rates. These vehicles have better occupant injury protection and lower injury rates translates into savings for insurance companies passed on to you as lower rates. If your Ford Aspire has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.

Lots of discounts mean lots of savings

Car insurance is not cheap, but discounts can save money and there are some available that you may not know about. Larger premium reductions will be automatically applied at the time of purchase, but some may not be applied and must be asked about prior to receiving the credit. If they aren’t giving you every credit you deserve, you are throwing money away.

  • Club Memberships – Belonging to a civic or occupational organization could trigger savings on your policy for Aspire coverage.
  • Sign Early and Save – Select companies give a discount for buying a policy prior to your current policy expiration. It can save you around 10%.
  • Multiple Policy Discount – When you have multiple policies with one company you could get a discount of at least 10% off all policies.
  • Government Employees – Active or retired federal employment can save as much as 8% for Aspire coverage depending on your company.
  • No Claims – Drivers who don’t have accidents pay much less when compared to drivers who are more careless.
  • Theft Prevention Discount – Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Pay Now and Pay Less – If paying your policy premium upfront rather than paying monthly you could save 5% or more.
  • Defensive Driving Course – Completing a course in driver safety can save you 5% or more if you qualify.

Consumers should know that most discounts do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as liability, collision or medical payments. Just because it seems like you can get free auto insurance, companies don’t profit that way. But any discount will help reduce the amount you have to pay.

To see a list of companies with discount insurance coverage rates, click here to view.

Situations that might require an agent

When it comes to buying coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions could help you determine if you would benefit from professional advice.

  • How can I get my company to pay me more for my totalled car?
  • Should I buy additional glass protection?
  • Should I carry comprehensive and collision coverage?
  • What should my uninsured motorist coverage limits be in my state?
  • Why is insurance for a teen driver so high?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is a blown tire covered by insurance?

If you can’t answer these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Parts of your insurance policy

Knowing the specifics of a insurance policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement. Shown next are typical coverages found on most insurance policies.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for bills for things like dental work, rehabilitation expenses and nursing services. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Liability

This coverage protects you from damage that occurs to a person or their property in an accident. It protects YOU against other people’s claims, and doesn’t cover 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 values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like funeral expenses, medical services and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like fire damage, hitting a deer and hail damage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision insurance

This pays to fix your vehicle from damage resulting 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 like crashing into a ditch, rolling your car, crashing into a building and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Ford Aspire.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Normally the UM/UIM limits are set the same as your liablity limits.

A penny saved is a penny earned

Cheap 1994 Ford Aspire insurance is available from both online companies in addition to many insurance agents, so you should be comparing quotes from both to have the best selection. Some companies do not provide you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

You just learned many tips how you can save on insurance. It’s most important to understand that the more you quote, the better your chances of lowering your rates. You may be surprised to find that the most savings is with some of the lesser-known companies. Regional companies may cover specific market segments cheaper compared to the large companies like State Farm or Progressive.

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