Cheaper 1999 Ford Contour Insurance Quotes

Trying to find better auto insurance rates for your Ford Contour? Expensive auto insurance can take a big chunk out of your checking account and make it impossible to make ends meet. Doing a price comparison is free, only takes a few minutes, and is a good way to tighten up your finances. Multiple car insurance companies compete for your insurance dollar, and it can be difficult to compare rates to find the lowest rate

If you have a current insurance policy or are looking for a new policy, you will benefit by learning to cut your premiums and possibly find even better coverage. Finding affordable coverage is not that difficult. Vehicle owners just need to understand the most effective way to compare company rates over the internet.

Parts of the Ford Contour rate equation

It’s important that you understand the different types of things that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively influences your rates allows you to make educated decisions that will entitle you to big savings.

The list below includes a few of the “ingredients” companies use to determine prices.

  • Rural vs Urban Areas – Being located in less populated areas is a positive aspect when insuring your vehicles. Fewer people means fewer accidents. Drivers who live in large cities regularly have more traffic problems and a longer drive to work. Higher commute times can result in more accidents.
  • How your age affects price – Mature drivers tend to be more responsible, file fewer claims and are safer drivers. Youthful drivers tend to be careless and easily distracted in a vehicle and because of this, their auto insurance rates are much higher.
  • Men are more aggressive – The statistics show that men are more aggressive behind the wheel. However, don’t assume that women are better drivers. They both are in accidents in similar numbers, but the male of the species cause more damage and cost insurance companies more money. Men also tend to have more aggressive citations such as reckless driving.
  • Having a spouse can save you money – Being married can get you a discount on your auto insurance policy. It means you’re more mature than a single person and statistics show drivers who are married are more cautious.
  • Theft deterrents lower rates – Driving a car that has an advanced theft prevention system can save you a little every year. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft.
  • Extra add-on coverages are wasting money – There are a lot of extra bells and whistles you can purchase on your auto insurance policy. Things like vanishing deductibles, better glass coverage and additional equipment coverage may be costing you every month. These coverages may sound good when talking to your agent, but now you might not need them so remove them from your policy.
  • Occupation reflects on rates – Did you know your auto insurance rates can be affected by your occupation? Occupations such as real estate brokers, executives and accountants tend to pay higher rates than average due to high stress and long work days. On the flip side, occupations such as scientists, athletes and homemakers have the lowest average rates for Contour insurance.

Are you getting all your discounts?

Auto insurance companies don’t necessarily list all available discounts in a way that’s easy to find, so the following is a list of both the well known as well as the least known discounts you could be receiving. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Defensive Driver – Taking a course teaching defensive driving skills could cut 5% off your bill if your company offers it.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching to them prior to your current policy expiration. The savings is around 10%.
  • Auto/Home Discount – When you combine your home and auto insurance with one insurance company you could get a discount of approximately 10% to 15%.
  • Club Memberships – Being a member of a professional or civic organization is a good way to get lower rates on your policy for Contour insurance.
  • Discount for Life Insurance – Select insurance companies reward you with a discount if you purchase auto and life insurance together.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. Most only cut the price of certain insurance coverages like comp or med pay. So even though it sounds like you would end up receiving a 100% discount, companies don’t profit that way.

For a list of providers who offer insurance coverage discounts, click here to view.

When might I need an agent?

When it comes to choosing adequate coverage, there is no one size fits all plan. Each situation is unique so your insurance should reflect that Here are some questions about coverages that may help highlight if you will benefit from professional help.

  • Do I need roadside assistance coverage?
  • Is my state a no-fault state?
  • I have health insurance so do I need medical payments coverage?
  • I don’t drive much so do I pay less?
  • What can I do if my company denied a claim?
  • Can I drive in Mexico and have coverage?

If you can’t answer these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Insurance coverages explained

Understanding the coverages of insurance helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages found on most insurance policies.

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like hitting a parking meter, sustaining damage from a pot hole, driving through your garage door, crashing into a ditch and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as doctor visits, EMT expenses, pain medications, nursing services and dental work. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states and may carry a deductible

Auto liability insurance

This coverage provides protection from damage or injury you incur to other people or property that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers claims like court costs, attorney fees, funeral expenses and medical services. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Ford Contour.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Comprehensive insurance

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as falling objects, damage from getting keyed, vandalism and hail damage. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Quote more, save more

In this article, we covered a lot of information how to lower your 1999 Ford Contour insurance rates. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. Drivers may discover the lowest priced insurance comes from an unexpected company. Some small companies often have lower prices on specific markets as compared to the big name companies such as GEICO and State Farm.

When shopping online for insurance, you should never sacrifice coverage to reduce premiums. There are too many instances where an accident victim reduced full coverage to discover at claim time that the few dollars in savings costed them thousands. Your focus should be to purchase plenty of coverage at the best price.

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