1990 Ford Festiva Insurance Rates

Trying to find the cheapest auto insurance rates for your Ford Festiva? Are you tired of scraping the payment together to insure your Ford every month? You are no different than many other drivers. Popular companies such as GEICO, Farmers Insurance and State Farm increase brand awareness with advertising and it is difficult to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

It’s important to compare rates quite often due to the fact that insurance rates change frequently. Despite the fact that you may have had the best deal on Festiva coverage on your last policy the chances are good that you can find a lower rate today. There is a lot of wrong information about auto insurance online, so by reading this article, you’re going to learn the easiest ways to quit paying high auto insurance rates.

These nine discounts can slash car insurance rates

Companies don’t necessarily list every discount in a way that’s easy to find, so we break down both well-publicized and the harder-to-find savings tricks you should be using. If you aren’t receiving every discount you qualify for, you are throwing money away.

• Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts may earn rate discounts of more than 20%.
• Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off on Festiva coverage with select insurance companies.
• Life Insurance – Larger companies have a discount if you purchase a life insurance policy as well.
• Multi-policy Discount – If you insure your home and vehicles with one company you will save at least 10% off all policies.
• Pay Upfront and Save – If you pay your bill all at once instead of paying each month you may reduce your total bill.
• No Charge for an Accident – Certain companies allow you one accident before raising your premiums if you are claim-free for a particular time prior to the accident.
• Accident Free – Drivers with accident-free driving histories pay less compared to frequent claim filers.
• Good Student – A discount for being a good student can earn a discount of 20% or more. The good student discount can last up to age 25.
• Fewer Miles Equal More Savings – Low mileage vehicles could be rewarded with a substantially lower rate.

It’s important to note that most of the big mark downs will not be given the whole policy. Some only apply to specific coverage prices like liability and collision coverage. Just because you may think having all the discounts means you get insurance for free, companies wouldn’t make money that way.

For a list of insurance companies who offer car insurance discounts, click here.

Do you really save 40% when you switch?

Drivers get pounded daily by advertisements for car insurance savings from the likes of State Farm, Allstate and GEICO. They all have a common claim of big savings if you move your coverage to them.

But how can every company say the same thing? It’s all in the numbers.

Different companies can use profiling for the type of customer that earns them a profit. An example of a preferred risk could be over the age of 50, owns a home, and has a high credit rating. A driver that hits that “sweet spot” gets the lowest rates and most likely will save when they switch companies.

Potential insureds who don’t qualify for the “perfect” profile will be charged a more expensive rate which leads to business going elsewhere. The ads state “drivers who switch” not “everybody who quotes” save money. That’s why insurance companies can make those claims. That is why you absolutely need to quote coverage with many companies. You cannot predict which company will provide you with the cheapest Ford Festiva insurance rates.

When might I need the advice of an agent?

When it comes to choosing the best car insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions could help you determine whether your personal situation may require specific advice.

• When do I need to add a new car to my policy?
• When should I buy a commercial auto policy?
• When should I remove comp and collision on my 1990 Ford Festiva?
• Is my ex-spouse still covered by my policy?
• Will filing a claim cost me more?
• Where can I find DUI or SR-22 insurance?
• Is other people’s property covered if stolen from my vehicle?
• Should I have combined single limit or split liability limits?
• Is a fancy paint job covered?

If you can’t answer these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Parts of your insurance policy

Understanding the coverages of insurance can help you determine which coverages you need for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Shown next are the normal coverages available from insurance companies.

Comprehensive coverage

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like vandalism, damage from flooding, hitting a bird and fire damage. The maximum payout your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like X-ray expenses, pain medications, ambulance fees, EMT expenses and dental work. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Collision insurance

This will pay to fix damage to your Festiva caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like damaging your car on a curb, hitting a mailbox, colliding with another moving vehicle, hitting a parking meter and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Liability insurance

This provides protection from damage or injury you incur to other’s property or people. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims like structural damage, court costs, repair costs for stationary objects, emergency aid and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Ford Festiva.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

The bottom line

When buying insurance coverage, it’s a bad idea to buy lower coverage limits just to save a few bucks. Too many times, someone dropped liability limits or collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy the best coverage you can find for the lowest price while not skimping on critical coverages.

In this article, we presented some good ideas how to get a better price on 1990 Ford Festiva insurance. It’s most important to understand that the more times you quote, the higher the chance of saving money. You may even discover the best price on insurance coverage is with an unexpected company. These companies can often provide lower rates in certain areas than their larger competitors like State Farm or Progressive.

Additional insurance coverage information is located on the following sites:

• Reducing Your Risks in a Car Crash Video (iihs.org)
• Tools for Teen Driving Safety (State Farm)
• Drunk Driving Statistics (Insurance Information Insitute)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)