Searching for low-cost insurance for your Ford Escort can turn out to be difficult, but you can use the following methods to make it easier.
There is a better way to find insurance online so we’re going to tell you the quickest way to compare rates on a Ford and find the lowest possible price from local insurance agents and online providers.
The quickest way to get rate comparisons is to realize most of the larger companies have advanced systems to compare rate quotes. The only thing you need to do is give them some information including your occupation, if the vehicle is leased, whether you have decent credit, and how much coverage you want. The rating information is sent automatically to many highly-rated insurers and they return quotes instantly.
To start a rate quote now, click here and complete the form.
Some insurance providers don’t always list every disount available in a way that’s easy to find, so the list below gives a summary of a few of the more common and the harder-to-find credits available to bring down your rates.
Don’t be surprised that most discount credits are not given to the entire policy premium. A few only apply to individual premiums such as liability and collision coverage. Even though it may seem like all the discounts add up to a free policy, that’s just not realistic. But all discounts should help reduce your premiums.
Some of the larger companies that may include these discounts may include but are not limited to:
If you need lower rates, check with each company or agent which credits you are entitled to. Some of the earlier mentioned discounts may not be offered in your area.
Multiple criteria are part of the calculation when you get your auto insurance bill. Some are obvious like an MVR report, but other factors are less obvious such as whether you are married or how financially stable you are.An important part of buying insurance is that you know a few of the rating criteria that play a part in calculating your insurance rates. When you understand what determines premiums, this empowers consumers to make smart changes that may reward you with big savings.
The list below includes most of the major factors companies use to determine your rates.
When buying proper insurance coverage for your vehicles, there is no “best” method to buy coverage. Every insured’s situation is different.
These are some specific questions may help highlight if you would benefit from an agent’s advice.
If you’re not sure about those questions, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.
Consumers can’t get away from ads that promise big savings for switching from the likes of State Farm, Allstate and GEICO. They all seem to make the same claim that you can save if you just switch your car insurance policy to them.
How does every car insurance company charge lower premium rates? It’s all in the wording.
Insurance providers give the cheapest rates for the type of insured that will most likely be profitable. One example of this type of risk profile might have to be over the age of 35, is a homeowner, and drives newer vehicles. Any driver that matches those criteria will probably get the lowest rates and therefore will pay quite a bit less when switching companies.
Consumers who don’t qualify for those criteria will have to pay a higher premium which translates to the customer buying from a different company. The trick companies use is to say “customers that switch” but not “all drivers who get quotes” save that much when switching. This is how insurance companies can confidently make claims like that.
Different companies use different criteria so it is so important to compare price quotes frequently. Because you cannot predict which car insurance company will give you the biggest savings.
Learning about specific coverages of a insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and also any damage incurred to your 1990 Ford Escort.
Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Most of the time these limits are similar to your liability insurance amounts.
Collision coverage pays to fix your vehicle from damage resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims such as hitting a parking meter, driving through your garage door, crashing into a ditch, rolling your car and sideswiping another vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.
This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims such as theft, hitting a deer, vandalism and damage from getting keyed. The highest amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Coverage for medical payments and/or PIP reimburse you for expenses for nursing services, doctor visits, rehabilitation expenses and dental work. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage
Liability insurance will cover damages or injuries you inflict on other’s property or people that is your fault. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.
Liability coverage protects against things such as repair bills for other people’s vehicles, funeral expenses, loss of income, structural damage and pain and suffering. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.
Lower-priced insurance coverage is available on the web as well as from independent agents, and you should compare price quotes from both to have the best chance of lowering rates. Some companies may not have online price quotes and these smaller providers sell through independent agents.
As you prepare to switch companies, it’s not a good idea to reduce coverage to reduce premium. There are a lot of situations where an accident victim reduced liability limits or collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The proper strategy is to buy enough coverage at the best price while still protecting your assets.
Drivers leave their current company for many reasons like poor customer service, delays in paying claims, delays in responding to claim requests or even being labeled a high risk driver. It doesn’t matter what your reason, finding a new company can be easier than you think.
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