1995 Ford Aspire Car Insurance Quotes

Want the cheapest insurance coverage rates for your Ford Aspire? Are you tired of scraping the payment together to keep your car insured? You have the same problem as most other vehicle owners.

There are many auto insurance companies to pick from, and although it’s a good thing to have a selection, lots of choices makes it harder to compare rates.

Buying cheaper coverage is simple if you know the tricks. Basically, every vehicle owner who has to buy insurance will most likely be able to find lower rates. Nevertheless, drivers must know how insurance companies price online insurance and apply this information to your search.

How to get cheap insurance

To find the best insurance rates, there are several ways to get quotes from insurance companies in your area. The quickest method to find competitive 1995 Ford Aspire insurance rates is to use the internet to compare rates. This is quite simple and can be completed using a couple different methods.

  1. The easiest and least time consuming way to find low rates is a comparison rater form (click to open form in new window). This quick form eliminates the need for repetitive form submissions for every company. One form submission gets you coverage quotes direct from many companies.
  2. A harder way to shop for insurance online is going to the website for every company you want to comare and repeat the quote process. For examples sake, let’s say you want to get rates from State Farm, Liberty Mutual and GEICO. You would need to spend time going to each site individually and repeatedly enter your information, which explains why we recommend starting with the first method. For a list of links to insurance companies in your area, click here.

It’s up to you how you get prices quotes, just make sure you compare the exact same quote data with each company. If you have different coverage information it will be nearly impossible to determine which rate is truly the best. Just a small difference in limits may result in large price differences. It’s important to know that having more price comparisons will improve the odds of getting more affordable rates. Some regional insurers cannot provide online rate quotes, so you need to compare prices from them as well.

Insurance savings promises

Respected companies like Progressive, GEICO, Allstate and State Farm consistently run ads on TV and radio. They all seem to make the point that drivers will save a bundle if you just switch your coverage to them. Is it even possible that every company can give you a better price? Here is how they do it.

Insurance companies have an ideal profile for the type of driver that earns them the highest profit. One example of this type of insured could possibly be between the ages of 30 and 50, has other policies, and insures a new vehicle. A driver who matches that profile will probably get cheap rates and have a good chance to save when switching.

People who fall outside the “perfect” profile will be charged a higher premium and ends up with business going elsewhere. The wording the ads use say “drivers who switch” but not “everyone who gets a quote” save that much. That’s the way companies can truthfully make the claims of big savings.

Because of the profiling, drivers must get car insurance quotes as often as possible. Because you cannot predict which insurance company will have the lowest rates.

How insurance companies determine Ford Aspire insurance rates

Many factors are part of the calculation when you quote your car insurance policy. Some factors are common sense such as your driving record, but some are less apparent such as your credit history or how financially stable you are.Smart consumers have a good feel for the factors that play a part in calculating auto insurance rates. If you understand what controls the rates you pay, this enables informed choices that can help you get better auto insurance rates.

The following are some of the major factors used by insurance companies to determine your rates.

  • Cheaper to insure gals? – Over time, data shows women are more cautious behind the wheel. Now that doesn’t mean females are better at driving than males. Men and women tend to get into accidents at a similar rate, but the males have accidents that have higher claims. They also get more serious tickets such as DWI and reckless driving.
  • Lower stress equals lower premiums – Occupational choices like fire fightersairline pilots and financial analysts are shown to have the highest rates attributed to intense work situations and long work hours. Other occupations such as farmers, athletes and retirees generally pay rates lower than average for Aspire insurance.
  • Extra coverages can add up – Policies have add-on coverages that can add up if you aren’t diligent. Coverage for things like coverage for rental cars, death and dismemberment, and term life insurance are some examples. They may sound like good ideas when buying your policy, but your money might be better spent on other coverage so get rid of them and save.
  • Where you call home can influence prices – Being located in less populated areas has it’s advantages when shopping for auto insurance. People who live in big cities tend to have more road rage incidents and longer commutes to work. Less people translates into fewer accident claims.
  • Cheaper rates by consolidating – The majority of auto insurance companies provide lower prices to insureds who consolidate policies with them. It’s known as a multi-policy discount. The discount can add up to ten or even fifteen percent. Even though this discount sounds good, it’s in your best interest to compare rates to make sure you are getting the best deal.
  • When should you not file a claims? – If you frequently file small claims, you can definitely plan on either policy cancellation or increased premiums. Insurance companies generally give lower rates to insureds who are not frequent claim filers. Your insurance policy is intended for claims that pose a financial burden.
  • Optional features that cut premiums – Purchasing a vehicle that has a built-in theft deterrent system can help lower your premiums. Advanced theft deterrents such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder car theft.

More affordable rates by applying discounts

Some companies don’t always publicize the entire discount list very well, so the following is a list of both well-publicized and also the lesser-known credits that you can use to lower your rates. If you don’t get every credit available, you are not getting the best rate possible.

  • Seat Belts Save more than Lives – Forcing all vehicle occupants to fasten their seat belts could cut 10% or more on medical payment and PIP coverage.
  • Driver Education Discount – Have your child sucessfully take a drivers education course in school or through a local driver safety program.
  • No Charge for an Accident – This isn’t a discount exactly, but some insurance companies will let one accident slide before hitting you with a surcharge as long as you don’t have any claims for a set time period.
  • Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices can help prevent theft and qualify for as much as a 10% discount.
  • Full Payment Discount – By making one initial payment rather than paying in monthly installments you may have a lower total premium amount.
  • Passive Restraints – Options like air bags or motorized seat belts can get savings of up to 25% or more.

One thing to note about discounts is that most of the big mark downs will not be given to your bottom line cost. A few only apply to individual premiums such as medical payments or collision. So despite the fact that it appears it’s possible to get free car insurance, it doesn’t quite work that way.

A list of companies and a summarized list of policyholder discounts are shown below.

  • Farm Bureau discounts include renewal discount, 55 and retired, multi-vehicle, safe driver, good student, driver training, and multi-policy.
  • Liberty Mutual has savings for preferred payment discount, new graduate, multi-policy, good student, multi-car, hybrid vehicle, and newly married.
  • State Farm policyholders can earn discounts including defensive driving training, multiple autos, good student, passive restraint, student away at school, accident-free, and anti-theft.
  • Auto-Owners Insurance includes discounts for multiple vehicles, safe vehicle, group or association, company car, and paid in full.
  • GEICO offers premium reductions for defensive driver, membership and employees, good student, multi-vehicle, five-year accident-free, and driver training.
  • SAFECO offers discounts for homeowner, bundle discounts, teen safety rewards, accident prevention training, multi-car, drive less, and anti-theft.

Before purchasing a policy, check with all companies you are considering which discounts you qualify for. All car insurance discounts may not apply to policies everywhere. To choose companies that offer the discounts shown above, click here to view.

Your insurance coverage should be tailored to you

When buying the best insurance coverage, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that might point out whether your personal situation will benefit from professional help.

  • Am I covered if I crash into my own garage door?
  • Does insurance cover tools stolen from my truck?
  • What can I do if my company denied a claim?
  • What is PIP insurance?
  • Can I drive in Mexico and have coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is my babysitter covered when using my vehicle?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Car insurance coverage considerations

Having a good grasp of a car insurance policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find the usual coverages found on most car insurance policies.

Liability coverage

This coverage protects you from damage or injury you incur to other people or property. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims like repair costs for stationary objects, attorney fees and emergency aid. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Insurance for medical payments

Med pay and PIP coverage provide coverage for bills for things like funeral costs, ambulance fees, X-ray expenses and pain medications. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. They cover you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, hitting a bird, falling objects and damage from a tornado or hurricane. The maximum payout your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for collisions

This coverage pays for damage to your Aspire caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as sideswiping another vehicle, scraping a guard rail, crashing into a ditch, hitting a parking meter and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Get your money’s worth

As you shop your coverage around, you should never skimp on coverage in order to save money. In many instances, an insured dropped full coverage and learned later that the few dollars in savings costed them thousands. Your objective should be to buy enough coverage for the lowest cost while not skimping on critical coverages.

Cheaper insurance coverage can be found from both online companies and with local insurance agents, and you should compare rates from both to get a complete price analysis. Some insurance providers do not provide rates over the internet and many times these small insurance companies prefer to sell through independent agents.

You just read a lot of tips how to get a better price on 1995 Ford Aspire insurance. The key thing to remember is the more price quotes you have, 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. These smaller insurers can often insure niche markets at a lower cost compared to the large companies like Progressive and GEICO.

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