1995 Ford Contour Insurance Rates
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UPDATED: Nov 17, 2021
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Looking for better car insurance rates for your Ford Contour? Purchasing affordable car insurance over the internet can seem to be difficult for consumers new to shopping for insurance online. Since there are so many online companies available, how can drivers possibly compare the different rates to find the best price?
Finding the best rates is easy if you know what you’re doing. Essentially every driver who carries auto insurance should be able to cut their insurance bill. But car owners need to learn the way companies compete online and use this information to your advantage.
Why you might be paying too much to insure your Ford Contour
It’s important that you understand the rating factors that go into determining auto insurance rates. Knowing what determines base rates enables informed choices that can help you get much lower annual insurance costs.
- Keep rates low by being claim-free – If you are a frequent claim filer, you can look forward to either policy cancellation or increased premiums. Insurance companies award lower rates to insureds who file claims infrequently. Your insurance policy is intended for larger claims.
- Proper usage rating affects rates – The more you drive in a year’s time the more you’ll pay to insure your vehicle. The majority of insurers rate vehicles determined by how the vehicle is used. Autos that are left in the garage receive lower rates as compared to vehicles used primarily for driving to work. Verify your auto insurance policy shows the correct driver usage, because improper ratings can cost you money. Incorrect usage on your Contour may be wasting your money.
- Optional equipment can affect rates – Choosing a vehicle that has an advanced theft prevention system can save you a little every year. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your car from being stolen.
- Don’t cancel a policy without a new one in place – Driving with no insurance can get your license suspended and you will pay a penalty because you let your insurance expire. And not only will your rates increase, failure to provide proof of insurance will get you a revoked license or a big fine.
- Higher safety ratings means cheaper insurance – Vehicles with good safety scores can get you lower premiums. Safer cars protect occupants better and fewer injuries means lower claim amounts passed on to you as lower rates. If your Ford Contour scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
- High deductibles save money – The deductibles represent how much money you are required to spend in the event of a claim. Coverage for physical damage, termed comprehensive and collision coverage on your policy, protects your car from damage. Examples of covered claims could be colliding with a building, damage caused by hail, and burglary. The higher the amount you’re willing to pay, the less your company will charge you for insurance on Contour insurance.
- Do men or women drive better? – The statistics show women are more cautious behind the wheel. However, don’t assume that men are worse drivers. Men and women cause accidents at about the same rate, but the males cause more damage and cost insurance companies more money. They also receive more costly citations such as reckless driving.
Compare the Market for Car Insurance
Most major insurance companies give coverage price quotes online. Obtaining pricing is pretty painless as you just type in the coverage amounts you desire into the quote form. Behind the scenes, the system gets reports for credit and driving violations and quotes a price based on these factors.
Online price quotes makes comparing rates easy, but the time it takes to visit a lot of sites and fill out multiple forms can be a bit repetitive. But it’s absolutely necessary to do this in order to get a lower rate.
Isn’t there an easier way to compare rates?
A less time-consuming method to find better car insurance pricing uses one form to get prices from more than one company. This type of form saves time, eliminates form submissions, and makes price shopping online much easier. Immediately after submitting the form, your coverage is rated with multiple companies and you can pick any of the resulting price quotes. If a lower price is quoted, you simply finish the application and purchase coverage. This process takes just a few minutes to complete and you will find out if you’re overpaying now.
In order to find out how much you’re overpaying now, click here and enter your information. If you currently have coverage, we recommend that you enter your coverages identical to your current policy. This guarantees you will get a rate comparison for similar insurance coverage.
These discounts can lower your rates
Companies that sell car insurance don’t always advertise every discount very well, so we researched both the well known and the harder-to-find insurance coverage savings.
- No Accidents – Good drivers with no accidents pay less when compared with drivers who are more careless.
- Anti-lock Brake System – Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
- Defensive Driver – Completing a driver safety course could cut 5% off your bill depending on where you live.
- Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts could save 15% on the medical payments or PIP coverage costs.
- Passive Restraints and Air Bags – Factory air bags or automatic seat belts can qualify for discounts of more than 20%.
- Discounts for Safe Drivers – Insureds without accidents can pay as much as 50% less on Contour insurance than drivers with accident claims.
- Sign Online – Certain companies may give you up to $50 simply for signing online.
- Low Mileage Discounts – Keeping the miles down on your Ford can earn a substantially lower rate.
- Discount for Good Grades – Performing well in school can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
- Accident Forgiveness – A few companies allow you one accident before hitting you with a surcharge as long as you don’t have any claims for a certain period of time.
Drivers should understand that some of the credits will not apply the whole policy. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like having all the discounts means you get insurance for free, insurance coverage companies aren’t that generous.
A partial list of companies that possibly offer these benefits are:
Check with each insurance company what discounts are available to you. Savings might not apply in your area.
Different people need different coverages
When buying proper insurance coverage for your vehicles, there really is no best way to insure your cars. Every situation is different.
These are some specific questions can aid in determining if your insurance needs may require specific advice.
- Am I covered when delivering products for my home-based business?
- How much can I save by bundling my policies?
- Does coverage extend to a rental car in a foreign country?
- Am I covered by my spouse’s policy after a separation?
- Can I still get insurance after a DUI?
- Do I need added coverage for expensive stereo equipment?
- Am I covered if my car is in a flood?
- What is medical payments coverage?
- Exactly who is provided coverage by my policy?
If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form.
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Auto insurance coverages
Learning about specific coverages of your policy can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.
Comprehensive insurance – Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims like falling objects, damage from flooding and a tree branch falling on your vehicle. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your 1995 Ford Contour.
Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Collision – This coverage covers damage to your Contour resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.
Collision insurance covers things such as backing into a parked car, damaging your car on a curb, sideswiping another vehicle, colliding with another moving vehicle and driving through your garage door. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.
Coverage for medical expenses – Med pay and PIP coverage provide coverage for expenses like X-ray expenses, prosthetic devices and ambulance fees. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible
Auto liability insurance – This coverage protects you from damage that occurs to people or other property by causing an accident. It protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged property.
Liability insurance covers things like structural damage, medical services, attorney fees, funeral expenses and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.
In the end, you save
Consumers change insurance companies for a variety of reasons including delays in paying claims, extreme rates for teen drivers, delays in responding to claim requests or even denial of a claim. It doesn’t matter what your reason, switching auto insurance companies is pretty easy and you might even save some money in the process.
Lower-priced 1995 Ford Contour insurance is attainable from both online companies and also from your neighborhood agents, so you should be comparing quotes from both to have the best rate selection. A few companies may not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.
In this article, we covered many ideas to shop for insurance online. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the biggest savings come from a small local company.
More detailed auto insurance information is located at these sites:
- Help Your Teen Be a Better Driver (State Farm)
- Teen Driver Statistics (Insurance Information Insitute)
- All About Airbag Safety (State Farm)
- Teen Driving Statistics (GEICO)
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