Cheaper 1997 Ford Aspire Insurance Quotes

Locating low-cost insurance for a Ford Aspire can normally be an all-consuming task, but you can learn our insurance buying tips to make it easier.

There are more efficient ways to buy insurance so you’re going to learn the quickest way to compare rates for your Ford and get the lowest price from both online companies and local agents.

You should make it a habit to get comparison quotes at least once a year because insurance prices trend upward over time. Just because you found the lowest price for Aspire coverage a few years ago there is a good chance you can find better rate quotes now. Block out anything you think you know about insurance because I’m going to teach you the things you must know in order to remove unneeded coverages and save money.

How to lower your auto insurance cost

Finding more affordable 1997 Ford Aspire auto insurance prices is not a difficult process. All you need to do is invest a few minutes comparing price quotes to see which company has low cost insurance coverage quotes. It’s really simple and can be done using a couple different methods.

  • If you don’t have a lot of time, the easiest way to get quotes is an all-inclusive rate comparison (click to open form in new window). This quick form saves time by eliminating repetitive form entry for every auto insurance company. One form submission gets you price quotes from multiple companies. Recommended for those who want to invest the least amount of time.
  • Another way to shop for auto insurance online is to manually visit each individual company website and complete a new quote form. For examples sake, let’s assume you are doing a rate comparison from State Farm, GEICO and Allstate. You would have to go to each individual site to input your insurance information, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.

However you get your quotes, make absolute certain that you use the exact same information with every price quote. If you use different data it will be very difficult to make a fair comparison for your Ford Aspire.

Which policy gives me the best coverage?

When choosing the right insurance coverage, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s.

For instance, these questions might point out whether you might need professional guidance.

  • Should I drop comprehensive coverage on older vehicles?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Am I covered when driving in Canada or Mexico?
  • Is my state a no-fault state?
  • How can I get my company to pay me more for my totalled car?
  • How much liability insurance is required?
  • What companies insure drivers after a DUI or DWI?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and can help protect your family.

Auto insurance coverage considerations

Understanding the coverages of your auto insurance policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for short-term medical expenses like X-ray expenses, chiropractic care, EMT expenses, prosthetic devices and dental work. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability insurance

Liability insurance protects you from damage that occurs to a person or their property that is your fault. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for claims like medical services, medical expenses and bail bonds. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your 1997 Ford Aspire.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these coverages are set the same as your liablity limits.

Comprehensive auto coverage

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

Comprehensive insurance covers claims such as damage from flooding, vandalism and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for collisions

Collision insurance pays for damage to your Aspire caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as crashing into a building, colliding with a tree and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.