look at the fuel tank under the car, the fuel line runs from the tank to to the right side of the car toward the engine, start at the tank, and fallow the line about 36 inches and the filer is tucked up on the right. Depending on what plant the car was assembled at it will be held up by either a snap clip (that you can pry with a flatblade screwdriver, or a plastic brace held in by a 10mm bolt-Sean, Ford Mechanic
I think you will find that the 1995 Ford Contour does not have a Cabin Filter. To make sure look in your owne's manual, or, go to Advance Autos Parts and ask for one. If it indeed does have one, then purchase a Purolator Cabin Filter. The filter will come with detailed instructions on location and how to install it.