Trying to find the cheapest insurance for your Ford LTD Country Squire can be a lot of work, but you can follow these tips to find lower rates. There is a right way and a wrong way to compare car insurance rates and you need to know the best way to price shop coverage for a Ford and find the best price possible.
Pieces of the Ford LTD Country Squire rate puzzle
It’s important that you understand the rating factors that play a part in calculating your car insurance rates. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that may reward you with much lower annual insurance costs.
- How credit affects car insurance rates – A driver’s credit score is a large factor in determining what you pay for car insurance. So if your credit is lower than you’d like, you could save money insuring your Ford LTD Country Squire by repairing your credit. Drivers who have excellent credit tend to be better drivers and file fewer claims as compared to drivers with poor credit.
- Lower rates come with age – Older drivers are more responsible, tend to file fewer claims and are safer drivers. Young drivers are known to be more careless behind the wheel and because of this, their car insurance rates are much higher.
- You might want pay the small claims yourself – Companies give cheaper rates to insureds who do not file claims often. If you file claims often, you can pretty much guarantee either a policy non-renewal or much higher rates. Car insurance is intended to be relied upon for the large, substantial claims.
- Extra add-on coverages are wasting money – There are many add-on coverages you can purchase if you aren’t careful. Coverages for vanishing deductibles, better glass coverage and motor club memberships may be wasting your money. They may seem like a good idea when talking to your agent, but if you don’t need them eliminate them to save money.
- Please use or commuting – The higher the mileage driven every year the more you’ll pay to insure your vehicle. The majority of insurers charge to insure your cars based on their usage. Cars and trucks that are left in the garage qualify for better rates than those used for commuting. Verify your car insurance declarations sheet shows the correct usage for each vehicle. Incorrect usage on your LTD Country Squire may be costing you.
- Lower rates with optional equipment – Purchasing a vehicle that has an advanced theft prevention system can help lower your rates. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping auto theft.
- Where you live can impact rates – Choosing to live in less populated areas has it’s advantages when buying car insurance. Drivers who live in large cities have congested traffic and longer commutes to work. Less people living in that area means fewer accidents and also fewer theft and vandalism claims.
Car Insurance Comparison Rates
Most major insurance companies like Allstate, GEICO and Progressive allow you to get prices for coverage directly from their websites. Getting quotes doesn’t take much effort as you just type in the coverages you want as detailed in the form. Upon sending the form, their system obtains information on your driving record and credit history and returns a price.
This helps simplify price comparisons, but having to visit each company’s website and repetitively enter the same data into a form is monotonous and tiresome. Unfortunately, it is important to have as many quotes as possible if you are searching for a lower rate.
The easy way to compare rates
The easiest way to find better car insurance pricing uses one form to obtain quotes from several companies at one time. It’s a real time-saver, requires much less work on your part, and makes rate comparisons much more enjoyable. After your information is entered, it is quoted with multiple companies and you can pick any one of the resulting price quotes. If you find a better price you can click and sign and purchase coverage. The entire process can be completed in less than 10 minutes and you will know how your current rates stack up.
If you want to find out if lower rates are available, click here and complete the simple form. If you currently have coverage, we recommend you type in the insurance coverages exactly as shown on your declarations page. This ensures you’re receiving a price comparison based on identical coverages.
Lower rates by qualifying for discounts
Car insurance companies do not advertise all available discounts in a way that’s easy to find, so we break down both well-publicized and the more hidden ways to save on car insurance. If you aren’t receiving every discount available, you’re paying more than you need to.
- Bundle and Save – When you combine your home and auto insurance with one insurance company you will save approximately 10% to 15%.
- Anti-theft Discount – Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
- Resident Student – Any of your kids who live away from home and don’t have a car can receive lower rates.
- Drive Safe and Save – Drivers who don’t get into accidents can pay as much as 50% less on LTD Country Squire insurance than less cautious drivers.
- Pay Upfront and Save – By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
- Early Signing – Select companies give a discount for switching to them prior to your current policy expiring. This can save 10% or more.
- Service Members Pay Less – Being on active duty in the military could mean lower rates.
- Good Student Discount – A discount for being a good student can earn a discount of 20% or more. The discount lasts up until you turn 25.
As a disclaimer on discounts, most discounts 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 it seems like having all the discounts means you get insurance for free, car insurance companies aren’t that generous.
To choose insurers who offer car insurance discounts, click here to view.
Car insurance is unique, just like you
When it comes to choosing the right insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is unique.
These are some specific questions could help you determine if your situation might need professional guidance.
- Does my car insurance cover rental cars?
- Is pleasure use cheaper than using my Ford LTD Country Squire to commute?
- What are the best liability limits?
- Can my teen driver be rated on a liability-only vehicle?
- Is business property covered if stolen from my car?
- Does having multiple vehicles earn me a discount?
- Is my Ford LTD Country Squire covered for flood damage?
If you’re not sure about those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and you can get the answers you need.
Quote more, save more
Cost effective Ford LTD Country Squire insurance can be found both online and with local insurance agents, and you need to comparison shop both so you have a total pricing picture. There are still a few companies who do not offer online quoting and these small insurance companies work with independent agents.
In this article, we presented a lot of techniques to save on Ford LTD Country Squire insurance. The most important thing to understand is the more rate comparisons you have, the better likelihood of reducing your rate. You may even discover the best price on car insurance is with a smaller regional carrier.
Drivers change insurance companies for a number of reasons such as policy non-renewal, lack of trust in their agent, questionable increases in premium or being labeled a high risk driver. It doesn’t matter why you want to switch finding a new company is not as difficult as it may seem.
