1991 Ford Festiva Insurance Quotes

Searching for cheaper insurance coverage rates for your Ford Festiva? If you’re new to shopping for insurance quotes online, you can easily be baffled due to the large selection of companies who all claim to have the lowest rates.

It’s smart to compare premium rates once or twice a year because prices are variable and change quite frequently. Just because you found the best rates on Festiva coverage last year a different company probably has better rate quotes today. Forget anything you know (or think you know) about insurance coverage because it’s time to teach you the easiest way to save on insurance coverage.

Insurance rates and discounts

Insurance is not an enjoyable expense, but companies offer discounts that you may not even be aware of. Certain discounts will be applied at quote time, but once in a while a discount must be inquired about prior to getting the savings.

• Use Seat Belts – Using a seat belt and requiring all passengers to use a seat belt could save 15% off the personal injury premium cost.
• Service Members Pay Less – Being on active deployment in the military could mean lower prices.
• Homeowners Pay Less – Simply owning a home can get you a discount since home ownership requires a higher level of personal finance.
• Defensive Driving Course – Participating in a safe driver class is a good idea and can lower rates if your company offers it.
• Accident Waiver – but a handful of insurance companies may permit one accident before they charge you more for coverage if your claims history is clear for a specific time period.
• Accident Free – Drivers who stay claim-free are rewarded with significantly better rates on insurance quote in comparison to policyholders that have many claims.
• Sign Early and Save – Select companies give a discount for switching to them before your current expiration date. It’s a savings of about 10%.

Remember that most discount credits are not given the the whole policy. Most only reduce the price of certain insurance coverages like medical payments or collision. Even though it may seem like adding up those discounts means a free policy, that’s just not realistic. But all discounts will definitely reduce your overall bill.

A list of companies and some of the premium reductions they offer can be read below.

• Farm Bureau offers discounts including 55 and retired, good student, safe driver, driver training, renewal discount, and multi-policy.
• MetLife discounts include accident-free, good driver, defensive driver, claim-free, multi-policy, good student
• Progressive policyholders can earn discounts including multi-policy, online signing, online quote discount, homeowner, and multi-vehicle.
• AAA includes discounts for multi-policy, AAA membership discount, education and occupation, multi-car, anti-theft, good student, and pay-in-full.
• American Family has discounts for early bird, mySafetyValet, air bags, TimeAway discount, bundled insurance, multi-vehicle, and good student.
• Geico may have discounts that include five-year accident-free, defensive driver, good student, daytime running lights, anti-theft, anti-lock brakes, and multi-policy.
• State Farm offers premium reductions for driver’s education, Steer Clear safe driver discount, anti-theft, good student, and student away at school.

If you want affordable insurance quotes, ask every company how many discounts you can get. Some discounts listed above might not be offered in your state. To see insurers that provide some of the discounts listed above, click here.

How to get auto insurance rate quotes

To get cheap insurance quotes, there a variety of ways of comparing rates from auto insurance companies in your area. The best method to find cheaper 1991 Ford Festiva rates is to jump online and get quotes. It’s really quite simple and can be done in a couple minutes as outlined below.

1. Hands down the most simple method to get quotes is a comparison rater form like this one (opens in new window). This style of form eliminates the need for multiple quote forms for each price estimate. One quote request will return quotes from several companies. Just one form and you’re done.
2. A less efficient way to find more affordable insurance consists of visiting the website for every company you want to comare to request a price quote. For instance, let’s assume you want comparison quotes from Progressive, Safeco and Allstate. To do that, you would have to visit each site and enter your policy data, and that’s why the first method is more popular. To view a list of companies in your area, click here.
3. The least efficient way of getting rate comparisons to all the different insurance agencies. The ability to get quotes online eliminates the need for an insurance agent unless you want the personal advice of a local agency. It is possible to price shop your coverage online but have a local agent actually write the policy.

You can choose any of those ways to find more affodable coverage, but be certain you are entering equivalent coverage limits for every company. If you enter different coverage information it will be impossible to determine which company has the best rates. Just slight variations in coverage limits may cause a big price difference. And when comparison shopping, comparing more company’s prices gives you a better chance of getting lower pricing.

Situations that may require an agent’s advice

When choosing the right insurance coverage, there isn’t really a single plan that fits everyone. Each situation is unique.

For instance, these questions may help you determine if your situation might need an agent’s assistance.

• Is my cargo covered for damage or theft?
• Which is better, split liability limits or combined limits?
• Why do I need rental car insurance?
• Do I really need UM/UIM coverage?
• Why am I required to get a high-risk car insurance policy?
• Is my camper covered by my car insurance policy?
• What is an SR-22 filing?

If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Parts of your car insurance policy

Learning about specific coverages of your car insurance policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as a broken windshield, vandalism and hail damage. The most a car insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability auto insurance

This coverage protects you from damage or injury you incur to other people or property by causing an accident. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like emergency aid, bail bonds and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Insurance for medical payments

Med pay and PIP coverage pay for immediate expenses for things like hospital visits, X-ray expenses, EMT expenses, funeral costs and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and damage to your Ford Festiva.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for things like crashing into a ditch, hitting a mailbox and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Shop. Compare. Save.

As you go through the steps to switch your coverage, you should never skimp on coverage in order to save money. There are too many instances where an insured dropped liability coverage limits only to find out that they should have had better coverage. Your objective should be to purchase plenty of coverage at the lowest possible cost, but do not skimp to save money.

Budget-friendly insurance is possible on the web and with local insurance agents, and you need to price shop both to have the best selection. Some insurance providers may not provide the ability to get quotes online and these smaller providers work with independent agents.

Drivers leave their current company for many reasons like an unsatisfactory settlement offer, policy cancellation, unfair underwriting practices or even policy non-renewal. Whatever your reason, choosing a new insurance company can be less work than you think.

To read more, feel free to browse the following helpful articles:

• Where can I buy Insurance? (Insurance Information Insitute)
• Car Insurance: When not to Skimp (BankRate.com)
• Shopping for a Safe Car (Insurance Information Insitute)
• Winter Driving (Insurance Information Insitute)