1998 Ford Contour SVT Insurance Quotes – 7 Tricks for Cheaper Rates

Finding the cheapest insurance for your Ford Contour SVT can turn out to be a painful process, but you can follow a few tricks to find lower rates. There is a right way and a wrong way to compare insurance coverage rates and we’ll show you the quickest way to price shop coverage for a new or used Ford and find the best price possible.

It’s important to shop coverage around quite often because rates are usually higher with each renewal. Despite the fact that you may have had the best rates for Contour SVT coverage last year there is a good chance you can find better rates now. There is a lot of bad information regarding insurance coverage on the internet, so with this article, you’re going to get some great ideas on how to find affordable insurance coverage.

Finding Car Insurance Deals

Effectively comparing car insurance prices is a ton of work if you don’t utilize the most efficient way to do it. You can waste hours discussing policy coverages with insurance agencies in your area, or you can stay home and use the web to achieve your goal.

Most of the best insurance companies belong to an insurance system where prospective buyers submit one quote, and at least one company can give them a price based on that data. This saves time by eliminating quote requests for each company you want a rate for.

To use this form to compare 1998 Ford Contour SVT insurance rates click here (opens in new window).

One minor caviat to doing it this way is buyers cannot specifically choose the providers you will receive quotes from. So if you want to choose specific insurance companies to receive pricing from, we have assembled a list of the cheapest car insurance companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just make darn sure you compare the exact same coverage limits for each comparison quote. If you compare different liability limits you will not be able to make an equal comparison.

Policy discounts you shouldn’t miss

Auto insurance companies don’t always publicize all available discounts in an easy-to-find place, so here is a list both well-publicized and also the lesser-known car insurance savings. If they aren’t giving you every credit available, you are throwing money away.

  • Low Mileage – Keeping the miles down on your Ford can qualify you for discounted rates on garaged vehicles.
  • Accident Forgiveness – A few companies allow you one accident before raising your premiums if you are claim-free prior to the accident.
  • Student in College – Any of your kids living away from home attending college without a vehicle on campus can receive lower rates.
  • Discount for Good Grades – This discount can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
  • Theft Prevention System – Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Use Seat Belts – Buckling up and requiring all passengers to use their safety belts could cut 10% or more off your medical payments premium.
  • Pay Upfront and Save – If you pay your bill all at once instead of paying each month you can actually save on your bill.

It’s important to understand that most of the big mark downs will not be given to the entire policy premium. A few only apply to individual premiums such as comprehensive or collision. So when it seems like all the discounts add up to a free policy, you won’t be that lucky.

For a list of insurers with discount car insurance rates, click here.

Insurance agents can help

When it comes to buying the best insurance coverage coverage, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can aid in determining whether your personal situation might need professional guidance.

  • Do I have coverage when pulling a U-Haul trailer?
  • Should I buy full coverage?
  • Are rental cars covered under my policy?
  • Can my babysitter drive my car?
  • Should I waive the damage coverage when renting a car?
  • Why do I only qualify for high-risk insurance?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Can switching companies really save?

Drivers can’t ignore all the ads that promise big savings from the likes of Geico, State Farm and Progressive. They all say the same thing that you’ll save big if you change your coverage to them.

How does each company say the same thing? This is how they do it.

All the different companies are able to cherry pick for the type of driver that makes them money. For example, a preferred risk might be over the age of 40, has no prior claims, and has a high credit rating. Any new insured who meets those qualifications receives the best rates and is almost guaranteed to cut their rates substantially.

Drivers who are not a match for the requirements will be charged a more expensive rate which usually ends up with business not being written. The ads say “customers who switch” not “everybody who quotes” save that much. That’s the way companies can truthfully make the claims of big savings. That is why you need to get as many quotes as possible. It’s not possible to predict which insurance companies will have the lowest Ford Contour SVT insurance rates.

Information about specific coverages

Learning about specific coverages of your policy aids in choosing which coverages you need and the correct deductibles and limits. Auto insurance terms can be ambiguous and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers

This gives you protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Auto collision coverage

This coverage pays for damage to your Contour SVT resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as scraping a guard rail, driving through your garage door, hitting a parking meter, sideswiping another vehicle and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

Liability insurance

Liability insurance protects you from damage or injury you incur to other’s property or people. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage pays for claims like medical expenses, attorney fees and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like fire damage, theft, damage from flooding, hitting a deer and hail damage. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for expenses like X-ray expenses, hospital visits and rehabilitation expenses. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. They cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Summing up your auto insurance search

Consumers leave their current company for a variety of reasons including unfair underwriting practices, policy cancellation, extreme rates for teen drivers and delays in paying claims. Regardless of your reason, switching companies is less work than it seems.

We’ve covered many ways to save on 1998 Ford Contour SVT insurance. The key thing to remember is the more quotes you get, the higher your chance of finding lower rates. Drivers may discover the best price on auto insurance is with the least-expected company.

Low-cost insurance is attainable from both online companies and with local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies do not offer you the ability to get quotes online and these small, regional companies work with independent agents.

Additional information is located below: