How to Find Cheaper Ford Contour Insurance
If buying auto insurance was as easy as it sounds on TV commercials, we'd have no problem getting the lowest rates. But in reality, the cost for insurance always seems too high and most people would prefer to get a root canal. Finding affordable insurance for your Ford Contour is probably the same story.
Step One: Compare Multiple Rate Quotes
In years past, the only way to purchase car insurance was to visit the office of a local agent. Life has gotten easier!
You can compare insurance rates for a Ford Contour simply and quickly just by filling out one form. This allows you to quote the same coverages with multiple companies and pick the lowest rate.
To start, click the link below to begin entering your information. After you complete the form, you will receive comparison rates from different companies so you easily determine if you can save money.
Quote Tip! In order to accurately compare rates for your Contour, it's critical that you use the same limits and deductibles for liability and physical damage coverages like comprehensive and collision. If you use different limits, you will not be able to accurately compare rates between carriers.
Step Two: Top Ways to Get Lower Contour Insurance
If you have completed step one above (if not, please complete that step first), then you are now ready to learn some ways to insure your Contour that will also lower the rate you pay irregardless of which company you choose.
- Do you keep your credit rating in good shape? If you do, you will get a better rate than if you let your credit score slide. Check your credit score regularly to make sure there are few blemishes on your record.
- Successfully completing a driver's training class can help lower your rates if your insurance company offers that discount.
- It's very important that you allows keep coverage effective on your vehicles. Having even a one-day lapse in coverage can make your premiums jump higher.
- Being a homeowner can often get you a little discount on your auto insurance. Insuring you home with the same company as your autos can often get you even deeper discounts.
- Membership has it's privleges. If you're a member of a professional organization, check to see if your company offers discounts to its members. It can add up to 5% or more.
- You can save money on your physical damage coverage (comprehensive and collision) by increasing your deductibles. Higher deductibles mean you are willing to pay more before the insurance company covers a claim.
- If your insurance company allows driver-specific car rating, you can save money by rating any teenage drivers on low profile vehicles with either no physical damage coverage or very high deductibles.
- Most of us have received a ticket at one time or another. If you get a ticket for a minor violation, find out if there is a safe driving class you can take to keep the ticket off your driving record.
- Air bags, antilock brakes, traction control, and stability control all help lower the cost of insurance due to reducing the risk of injury in an accident.
- If you can afford to pay for small claims like a broken windshield out of pocket, it will keep small claims off your record and give you a claim-free discount.
- Insurance companies pay attention to which vehicles are stolen the most, so if your car is frequently targeted by thieves, chances are good you will pay more for insurance if you live in certain parts of the country.
Step Three: Finalize your Car Insurance Policy
Buying a new car insurance policy is just a matter of finalizing your application form and submitting it with your down payment. Once payment has been accepted, coverage is bound the effective date shown on your application.
An important thing to keep in mind when buying a new policy is you want the effective date of the new policy to be the exact same as the date you are cancelling your old policy.
When buying a new vehicle, coverage will extend from your existing policy. But if you don't have a car insurance policy, you will want to make sure you have coverage BEFORE you drive off the lot. If you have a current policy and you only carry liability coverage, then that's the only coverage that will automatically extend to your Contour. But if you currently carry full coverage, comprehensive and collision coverage will extend to your new vehicle.
At the end of buying your policy, you will be able to print out a new proof-of-insurance card to place in your vehicle. This card is required by law and must be produced if requested by law enforcement. If your state requires you to file an SR-22 for being a high-risk driver, make sure your new company is aware of this requirement. Failure to comply can result in loss of your driver's license.
More Insurance Buying Tips
To do more research on car insurance, visit the Insurance Information Institute website.
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