Step-by-step Guide to Cheaper Ford Aspire Insurance
If shopping for auto insurance was more enjoyable, it would get done more often. But the reality is, it's a chore for most people and we seem to always end up paying more than we want to. You might feel the same pain when having to pay the bill on your Ford Aspire.
Step One: Compare Rates
Years ago, your local insurance agent was the only way to quote a buy a car insurance policy. Life has gotten easier!
Almost every car insurance company now offers online quotes, and you can actually get insurance quotes for a Ford Aspire without even visiting their websites!
Simply click the link below to start a quote that will compare rates from many companies and you may find a lower rate than you're currently paying.
Insurance Quoting Tip! The only way to accurately compare rates bewteen different companies for your Aspire is to use identical coverage limits on all the quotes. If you use different liability limits and/or deductibles, you won't have an apples-to-apples rate comparison.
Step Two: How to Insure your Aspire for Less
Now that you have several rates to compare (since you did compare rates above, right?), we will now show you some additional ways you can lower your Aspire insurance rates.
- 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.
- If you have a speeding ticket or other moving violation, you could be charged more for insurance. If you get a ticket, find out if your county or state offers a defensive driving course that will void the ticket upon completion.
- Most insurance companies will give you a discount on your car insurance if you also own a home. Some go even farther and give you discounts if you package your homeowners and auto insurance with them.
- If you're a young driver, you will pay more to insure a Aspire. There isn't anything you can do about your age, but rates will drop as you mature.
- If you have a period where you don't have any insurance coverage, that's called a lapse. The longer the lapse, the more you'll pay to reinstate coverage.
- To keep your rates low, don't file excessive claims on your policy. Insurance is meant to cover large losses, not small damage that you can pay for out-of-pocket.
- If your city or county offers a driver's safety course, find out if your insurance company will give you a discount to complete it. It could save you up to 10%.
- Newer car models are coming standard with advanced passenger safety systems, and these help reduce the risk of injury in an accident. Less injuries mean lower insurance rates.
- If you are a senior citizen or belong to a particular professional organization, you may qualify for a break on insurance.
- Vehicles that tend to get stolen or have high repair costs will cost you more to insure. If your Aspire falls into either category, it could cost you.
- Before a comprehensive or collision claim is paid by your company, you have to pay a deductible first. The more you're willing to pay, the lower your rates will be. Consider raising your deductibles to $500 or even $1,000.
Step Three: Choose the Right Company for You
Once you have compared identical rate quotes for your Aspire and made a decision on deductibles, coverages and other policy options, you are ready to buy your policy with the new company.
Car insurance policies don't have to be cancelled at the renewal date, but just be sure the new policy starts the same day you cancel your old policy. This avoids any gaps in coverage between policies.
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. Comprehensive (or Other than Collision) and collision coverage will extend to your new Aspire if you current have a vehicle insured with those coverages. If you aren't insured or only carry basic liability coverage, then you will be inadequately insured until you add the vehicle to your policy with full coverage.
Your insurance company will provide you with proof-of-insurance forms to keep in your vehicle. It's required by state law to carry at least the state minimum liability limits. If you're considered a high-risk driver, having been convicted of a DUI, DWI, reckless driving or had your license suspended, you may need to file a SR-22. Be sure your new company files this form with your state DMV. Failure to do so can result in losing your right to drive.
Consumer Insurance Information
For more detailed car insurance topics, visit the Insurance Information Institute.
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