1997 Ford Aspire Car Insurance Rates – 6 Tips to Save

Searching for the cheapest insurance rates for your Ford Aspire? Saving money on insurance is challenging for consumers not familiar with buying insurance online. Consumers have so many choices that it can be a real hassle to compare prices.

Cut your car insurance rates with these six discounts

Companies do not list every available discount very well, so we researched some of the more common and the harder-to-find savings tricks you should be using.

  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.
  • Braking Control Discount – Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
  • Good Student – Getting good grades can get you a discount of up to 25%. The good student discount can last up until you turn 25.
  • Lower Rates for Military – Being on active duty in the military could be rewarded with lower premiums.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.
  • Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts can get savings of more than 20%.

As a disclaimer on discounts, some of the credits will not apply to the entire cost. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So when it seems like you could get a free car insurance policy, companies wouldn’t make money that way.

To see a list of insurance companies offering car insurance discounts, click here to view.

You are unique and your car insurance should be too

When it comes to choosing the best car insurance coverage, there really is not a single plan that fits everyone. Everyone’s situation is unique.

For instance, these questions may help highlight if your insurance needs might need an agent’s assistance.

  • Do I have any recourse if my insurance company denies a claim?
  • Is a blown tire covered by insurance?
  • What is an SR-22 filing?
  • Can I afford to buy a different vehicle if my 1997 Ford Aspire is totaled?
  • Can I drive in Mexico and have coverage?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I have combined single limit or split liability limits?
  • Does my liability insurance cover pulling a trailer or camper?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form.

Save 15 percent in 15 minutes? Is it for real?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream ads in print and on television. They all seem to make an identical promise of big savings after switching to them. How do they all make the same claim?

Different companies can use profiling for the right customer that makes them money. For instance, a preferred risk could possibly be over the age of 40, is a homeowner, and has a short commute. A propective insured who fits that profile will get very good rates and most likely will save quite a bit of money when switching.

Consumers who do not match these standards will be quoted a more expensive rate which leads to the driver buying from a lower-cost company. Company advertisements say “drivers who switch” not “everyone that quotes” save that much money. That is how insurance companies can confidently make those claims. This emphasizes why it is so important to compare as many rates as you can. It’s not possible to predict which auto insurance company will provide you with the cheapest Ford Aspire insurance rates.

Parts of your insurance policy

Knowing the specifics of your insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Coverage for collisions

This covers damage to your Aspire caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like damaging your car on a curb, colliding with a tree, scraping a guard rail and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

UM/UIM Coverage

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

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Liability

Liability insurance provides protection from damage or injury you incur to other’s property or people in an accident. It consists of three limits, 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 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability can pay for claims like loss of income, bail bonds and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as rock chips in glass, a tree branch falling on your vehicle, damage from getting keyed and vandalism. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for expenses like hospital visits, doctor visits, rehabilitation expenses, surgery and ambulance fees. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

More choices the merrier

Cheap 1997 Ford Aspire insurance is definitely available both online in addition to many insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance providers do not provide online quoting and many times these small insurance companies only sell through independent insurance agents.

Insureds change insurance companies for a variety of reasons including extreme rates for teen drivers, an unsatisfactory settlement offer, being labeled a high risk driver and delays in responding to claim requests. It doesn’t matter what your reason, finding a new auto insurance company is easier than you think.

We covered many tips how you can lower your insurance rates. It’s most important to understand that the more you quote, the better likelihood of reducing your rate. You may even find the biggest savings come from the smaller companies.

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