Drivers have lots of choices when trying to find low-cost Ford Contour insurance. They can either spend hours struggling with agents trying to get quotes or save time using the internet to make rate comparisons. There is a better way to find auto insurance online and you need to know the best way to compare rates for a new or used Ford and locate the lowest price from local insurance agents and online providers.
Consumers need to compare prices yearly because insurance rates are usually higher with each renewal. If you had the lowest price on Contour insurance on your last policy you may be paying too much now. Starting now, forget all the misinformation about auto insurance because you’re going to learn one of the easiest ways to find lower rates on auto insurance.
Finding affordable coverage is not rocket science. If you are paying for car insurance now, you should be able to lower your premiums substantially using these techniques. Although drivers can benefit by having an understanding of how big insurance companies market insurance on the web and use this information to your advantage.
Your Ford Contour insurance rate is a complex equation
An important part of buying insurance is that you know the factors that come into play when calculating the price you pay for auto insurance. Having a good understanding of what influences your rates helps enable you to make changes that will entitle you to much lower annual insurance costs.
The list below includes a few of the “ingredients” that factor into prices.
- Low deductibles can be expensive – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Ford from damage. Some examples of claims that would be covered could be colliding with a building, collision with an animal, and burglary. The deductibles are the amount of money you are required to spend out-of-pocket before your auto insurance pays a claim. The more the insured has to pay upfront, the bigger discount you will receive on Contour insurance.
- Cautious drivers pay less – A bad driving record has a huge affect on how much you pay. Even one ticket can boost insurance rates by as much as thirty percent. Careful drivers get better rates than their less careful counterparts. If you have dangerous violations such as reckless driving, hit and run or driving under the influence may find they need to file a SR-22 with the DMV in their state in order to prevent a license revocation.
- Is your vehicle built for speed? – The type of vehicle you own makes a huge difference in your rates. The cheapest insurance rates are generally reserved for economy passenger cars, but there are many factors that impact the final cost. Since the Ford Contour is considered a passenger car, insuring your vehicle will cost similar in price or lower compared to average rates.
- Pay less if you’re married – Being married actually saves money on your policy. Having a significant other translates into being more responsible and it’s statistically proven that married couples file fewer claims.
- Do you need the policy add-ons? – There are a lot of add-on coverages you can purchase when buying auto insurance. Coverages like roadside assistance, better glass coverage and motor club memberships may be wasting your money. These coverages may sound good initially, but if you don’t need them get rid of them and save.
- Your location affects your rates – Living in small towns and rural areas can save you money when talking about auto insurance. Less people living in that area means reduced accidents as well as less vandalism and auto theft. Urban drivers have traffic congestion and a longer drive to work. More time commuting can result in more accidents.
How to Buy Auto Insurance Online
There are several ways you can shop for auto insurance but there is one way that is easier and takes less work. You could spend the better part of a day driving to insurance agencies in your area, or you can stay home and use online quotes to get prices fast.
Many popular insurance companies participate in a marketplace where prospective buyers complete one form, and each participating company then returns a price quote determined by their information. This system prevents you from having to do quote forms to each individual auto insurance company.
To find out how much you’re overpaying now click here (opens in new window).
The only downside to using this type of system is you can’t choose which insurance companies to get quotes from. So if you want to select individual companies to compare, we have a listing of low cost auto insurance companies in your area. Click to view list.
It’s up to you which method you use, but make absolute certain that you use exactly the same coverage limits and deductibles on every quote. If you are comparing unequal deductibles or liability limits you can’t possibly determine the lowest rate for your Ford Contour. Slightly different limits can mean a large discrepancy in price. And when comparing auto insurance rates, know that comparing a large number of companies helps locate better pricing.
Don’t overlook these discounts
Companies that sell car insurance don’t always list every discount very clearly, so here is a list some of the best known as well as the least known discounts you could be receiving.
- More Vehicles More Savings – Insuring multiple cars or trucks on one policy could earn a price break for each car.
- Government Employees – Simply working for the federal government can earn a discount up to 10% on Contour insurance with select insurance companies.
- Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts can qualify for discounts of 20% or more.
- Life Insurance Discount – Select insurance companies reward you with a discount if you purchase life insurance from them.
- Accident Waiver – A handful of insurance companies will forgive one accident before hitting you with a surcharge as long as you don’t have any claims for a certain period of time.
- Pay Upfront and Save – If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
- Sign Online – A few companies will give a small break for buying your policy on their website.
- Accident Free – Good drivers with no accidents pay much less as compared to bad drivers.
A little note about advertised discounts, many deductions do not apply to the entire cost. A few only apply to the cost of specific coverages such as medical payments or collision. So when the math indicates all the discounts add up to a free policy, companies don’t profit that way.
For a list of providers with the best auto insurance discounts, follow this link.
But I want to work with a local agent
Some people prefer to buy from a licensed agent and that is OK! One of the great benefits of getting online price quotes is you can get better rates but still work with a licensed agent.
After filling out this short form, your information is instantly submitted to agents in your area who will compete for your coverage. You don’t have to leave your house due to the fact that quote results will go directly to your email. How cool is that?! You can find the lowest rates and a licensed agent to work with.
Picking an provider requires more thought than just a low price. Agents should be asked these questions:
- Do they feel the quoted coverages are adequate?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- How much will you save each year by using a higher deductible?
- Are they properly licensed to sell insurance in your state?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- How are they compensated?
If you wish to view a list of agents in your state to contact, visit this page.
Upon getting good answers to these questions and an acceptable price quote, it’s possible that you found a company that will properly service your auto insurance policy.
More effort can pay off
Consumers who switch companies do it for many reasons like not issuing a premium refund, policy cancellation, lack of trust in their agent and delays in responding to claim requests. Regardless of your reason for switching companies, choosing a new insurance company is easier than you think.
As you prepare to switch companies, it’s very important that you do not reduce needed coverages to save money. In too many instances, an accident victim reduced liability coverage limits only to find out that the savings was not a smart move. Your goal should be to buy the best coverage you can find at the best price while not skimping on critical coverages.
Lower-priced Ford Contour insurance is definitely available from both online companies in addition to many insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance providers do not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.
