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1993 Ford Festiva Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Jun 12, 2015

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Trying to find the cheapest insurance coverage rates for your Ford Festiva? Tired of being strong-armed to insure your Ford every month? You’re in the same situation as most other car owners. Many insurers compete for your business, and because of this it can be hard to compare auto insurance companies to get the best rates possible.

Consumers should take time to price shop coverage on a regular basis because rates are usually higher with each renewal. Even if you think you had the lowest price for Festiva coverage two years ago you can probably find a better price now. You’ll find quite a bit of inaccurate information about insurance coverage on the internet, so with this article, you’re going to get some of the best ways to buy insurance coverage cheaper.

If you have insurance now or need a new policy, you can use this information to find the best rates and possibly find even better coverage. Choosing the best insurance company for you is not that difficult. Drivers only need to know the most efficient way to shop for auto insurance online.

How to Get Car Insurance Comparison Quotes

Lowering your 1993 Ford Festiva car insurance rates doesn’t have to be difficult. Just invest a little time to compare quotes from different insurance companies. This can be accomplished in a couple of different ways.

  • The single most time-saving way to get quotes for comparison would be an industry-wide quote request form like this one (opens in new window). This easy form prevents you from having to do multiple quote forms for each company you want a rate for. Filling out one form compares rates from multiple companies.
  • Another way to compare prices requires a visit to the website of each company and request a quote. For sake of this example, let’s assume you want rates from Auto-Owners, Progressive and Allstate. You would have to visit each site and enter your policy data, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.

It doesn’t matter which method you choose, just make sure you use the exact same coverages for each price quote. If you have different values for each quote you can’t possibly determine which rate is truly the best.

Discounts mean cheaper 1993 Ford Festiva insurance rates

Insuring your vehicles can cost a lot, but there could be available discounts that many people don’t even know exist. Larger premium reductions will be automatically applied at the time of quoting, but less common discounts must be manually applied before you will receive the discount. If you’re not getting every credit available, you are throwing money away.

  • Driver Safety – Successfully completing a course in driver safety can save you 5% or more if your company offers it.
  • Braking Control Discount – Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.
  • Multiple Policy Discount – If you have multiple policies with one company you may save at least 10% off all policies.
  • Distant Student – Any of your kids who attend school more than 100 miles from home and do not have a car can receive lower rates.
  • New Car Discount – Putting insurance coverage on a new car can be considerably cheaper due to better safety requirements for new cars.

As a disclaimer on discounts, most discount credits are not given to all coverage premiums. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Just because you may think you would end up receiving a 100% discount, car insurance companies aren’t that generous. But all discounts will reduce the cost of coverage.

Companies who might offer some of the above discounts include:

It’s a good idea to ask all companies you are considering how you can save money. Discounts might not be offered in your state.

Tailor your coverage to you

When buying the right insurance coverage, there really is no cookie cutter policy. Everyone’s situation is unique so your insurance should reflect that For instance, these questions may help you determine whether your personal situation might need an agent’s assistance.

  • How much can I save by bundling my policies?
  • What is UM/UIM insurance?
  • How much underlying liability do I need for an umbrella policy?
  • Is my 1993 Ford Festiva covered for flood damage?
  • When should I not file a claim?
  • Are my tools covered if they get stolen from my vehicle?
  • Should I buy only the required minimum liability coverage?
  • Can I rate high risk drivers on liability-only vehicles?
  • What happens if I owe more than my 1993 Ford Festiva is worth?
  • Should I bundle my homeowners policy with my auto?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Insurance specifics

Understanding the coverages of your policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement. Listed below are the normal coverages available from insurance companies.

Collision coverage

Collision coverage will pay to fix damage to your Festiva resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like scraping a guard rail, crashing into a ditch, colliding with another moving vehicle, hitting a parking meter and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for pain medications, chiropractic care, ambulance fees and funeral costs. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from a tornado or hurricane, damage from getting keyed, hitting a bird, vandalism and falling objects. The maximum amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection 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 Festiva.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Normally these coverages are similar to your liability insurance amounts.

Liability car insurance

This coverage protects you from damage that occurs to other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like pain and suffering, bail bonds, legal defense fees and medical expenses. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

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