Cheaper 2000 Ford Contour Insurance Quotes

Trying to find cheaper insurance coverage rates for your Ford Contour? Nobody enjoys paying for insurance coverage, especially when their premiums are too high. Popular companies such as GEICO, 21st Century and Progressive persitently shower you with catchy ads and it is challenging if not impossible to see past the corporate glitz and effectively compare rates to find the best deal.

If you have a current insurance policy or are looking for a new policy, you can use these tips to cut your premiums while maximizing coverage. Choosing the best insurance company for you is not rocket science. Drivers just need to learn the proper way to get comparison rates on the web.

Buy car insurance online

There are multiple methods to compare car insurance prices and some are less labor-intensive and much quicker. You can waste a lot of time talking about coverages with insurance agencies in your area, or you can stay home and use the web to get the quickest rates.

Many popular insurance companies participate in a marketplace where insurance shoppers submit one quote, and each company can provide price quotes. This eliminates the need for quote forms to every company.

To submit your quote information now, click here to start a free quote.

One minor caviat to using this type of form is you can’t choose the companies to receive prices from. So if you prefer to pick specific insurance companies to receive pricing from, we have a listing of the cheapest car insurance companies in your area. View list of insurance companies.

Whichever method you choose, make absolute certain that you use equivalent deductibles and coverage limits for each comparison quote. If the quotes have different limits and deductibles on each one it will be nearly impossible to make a fair rate comparison.

Discounts to earn lower-cost car insurance rates

Some providers don’t always advertise all available discounts in an easy-to-find place, so the below list has both well-publicized in addition to some of the lesser obvious credits available to bring down your rates.

  • Auto/Life Discount – Not all insurance carriers offer life insurance, but some may give you a small discount if you purchase life insurance.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts could save 15% on medical payment and PIP coverage.
  • Resident Student – Children who are attending college and do not have access to a covered vehicle may qualify for this discount.
  • Clubs and Organizations – Being a member of a professional or civic organization could earn you a nice discount when shopping for car insurance.
  • Paperwork-free – A few car insurance companies may give you up to $50 for buying a policy and signing up on their website.
  • Early Switch Discount – Some companies give discounts for buying a new policy before your current coverage expires. You could save around 10% when you buy auto insurance online.

One last thing about discounts, most of the big mark downs will not be given to the entire cost. Most only apply to individual premiums such as physical damage coverage or medical payments. So even though it sounds like adding up those discounts means a free policy, you won’t be that lucky.

Companies and a partial list of their discounts are:

  • State Farm offers discounts including anti-theft, student away at school, multiple autos, Drive Safe & Save, and accident-free.
  • Farmers Insurance may offer discounts for distant student, pay in full, youthful driver, good student, and homeowner.
  • GEICO may have discounts that include defensive driver, military active duty, multi-policy, anti-theft, emergency military deployment, seat belt use, and air bags.
  • American Family has discounts for defensive driver, good driver, bundled insurance, air bags, Steer into Savings, good student, and early bird.
  • Nationwide has savings for Farm Bureau membership, defensive driving, business or organization, accident-free, family plan, and easy pay.
  • Progressive discounts include homeowner, online signing, multi-vehicle, good student, and online quote discount.

Before buying, ask each company or agent which discounts can lower your rates. Some of the earlier mentioned discounts may not be offered everywhere. If you would like to choose from a list of insurers with discount car insurance rates, click here.

Quote Ford Contour insurance for less

Lots of factors are part of the calculation when you quote your car insurance policy. Some are pretty understandable like an MVR report, but some are not quite as obvious such as your marital status or your financial responsibility.

  • Premiums are lower the older you get – Beginning drivers are proven to be careless and easily distracted when driving with friends so car insurance rates are higher. Having to add a first-time driver onto your car insurance can break the bank. More experienced drivers are viewed as being more responsible, tend to cause fewer accidents and tend to be get fewer driving tickets.
  • Females tend to take less risk – Over the last 30 years, statistics show that females take fewer risks when driving. The data does not necessarily mean that men are worse drivers. Women and men are in auto accidents in similar numbers, but the male of the species tend to have higher claims. In addition to higher claims, males also get cited for more serious violations like driving under the influence (DUI).
  • Your spouse saves you money – Having a wife or husband can get you a discount compared to being single. It usually means you are more financially stable and statistics show married couples file fewer claims.
  • City dwellers may pay more – Having an address in small towns and rural areas has it’s advantages when trying to find low car insurance rates. Less people living in that area translates into fewer accident claims and lower theft and vandalism rates. People in densly populated areas regularly have more road rage incidents and more severe claims. The longer drive time translates into higher accident risk.

Tailor your insurance coverage coverage to you

When buying coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions may help you determine whether or not you may require specific advice.

  • How much liability coverage do I need in my state?
  • Are my tools covered if they get stolen from my vehicle?
  • Are split liability limits better than a combined single limit?
  • Can my babysitter drive my car?
  • When should I drop full coverage on my 2000 Ford Contour?
  • Is extra glass coverage worth it?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It is quick, free and may give you better protection.

Insurance coverage specifics

Knowing the specifics of insurance can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring. These are the usual coverages offered by insurance companies.

Medical expense insurance

Med pay and PIP coverage kick in for bills for things like rehabilitation expenses, chiropractic care and doctor visits. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

This will cover damages or injuries you inflict on other people or property by causing an accident. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things such as structural damage, bail bonds, loss of income, medical services and pain and suffering. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage

This pays for damage to your Contour resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as scraping a guard rail, damaging your car on a curb and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Comprehensive (Other than Collision)

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

Comprehensive can pay for claims like falling objects, theft, a broken windshield and hail damage. The most a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Ford Contour.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Most of the time these limits do not exceed the liability coverage limits.

A tidy conclusion

Low-cost 2000 Ford Contour insurance can be found from both online companies in addition to local insurance agencies, so you need to shop auto insurance with both to get a complete price analysis. Some insurance companies may not provide online price quotes and usually these smaller companies work with independent agencies.

As you quote auto insurance, do not buy lower coverage limits just to save a few bucks. There have been many cases where an insured dropped collision coverage and discovered at claim time that the savings was not a smart move. The goal is to buy the best coverage you can find for the lowest price, but do not sacrifice coverage to save money.

We just showed you a lot of ways to lower your 2000 Ford Contour insurance car insurance rates. The most important thing to understand is the more rate quotes you have, the better your comparison will be. You may even discover the most savings is with a smaller regional carrier. These smaller insurers may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate or State Farm.

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