How Much Does 1992 Ford Escort Insurance Cost?

Trying to find cheaper auto insurance rates for your Ford Escort? Vehicle owners new to comparing auto insurance quotes on the internet might discover sourcing affordable auto insurance is very challenging.

It’s a good habit to compare prices as often as possible because prices are adjusted regularly by insurance companies. If you had the lowest price for Escort coverage two years ago a different company probably has better rates today. Forget all the misinformation about auto insurance because we’re going to show you the quickest way to remove unneeded coverages and save money.

Finding the best rates is not that difficult. In a nutshell, anyone who has to buy car insurance will most likely be able to find better rates. But vehicle owners should learn the way insurance companies market insurance on the web because it can help you find the best coverage.

Lower rate quotes with discounts

Insurance can be prohibitively expensive, but you may qualify for discounts that could help you make your next renewal payment. Some trigger automatically when you complete an application, but some must be asked about before they will apply.

  • Auto/Home Discount – When you have multiple policies with the same company you could earn a discount of approximately 10% to 15%.
  • Drive Safe and Save – Insureds without accidents may receive a discount up to 45% for Escort coverage as compared to drivers with claims.
  • Discount for Low Mileage – Fewer annual miles on your Ford could qualify for discounted rates on garaged vehicles.
  • Lower Rates for Military – Being on active duty in the military could mean lower car insurance rates.
  • Own a Home and Save – Simply owning a home can help you save on car insurance because maintaining a house demonstrates responsibility.
  • Distant Student Discount – Kids who live away from home at college and don’t have a car may be insured at a cheaper rate.
  • Sign Online – A few larger online companies provide a small discount for signing up online.
  • Good Grades Discount – Performing well in school can be rewarded with saving of up to 25%. You can use this discount normally up until you turn 25.
  • Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems may get savings of 20 to 30 percent.
  • Senior Discount – If you qualify as a senior citizen, you can possibly qualify for a discount up to 10% for Escort coverage.

Just know that most credits do not apply the the whole policy. Some only reduce individual premiums such as physical damage coverage or medical payments. Just because you may think you can get free auto insurance, companies wouldn’t make money that way.

A list of car insurance companies and a summarized list of policyholder discounts are shown below.

  • American Family has discounts for early bird, mySafetyValet, good driver, multi-vehicle, defensive driver, bundled insurance, and air bags.
  • Nationwide offers premium reductions for Farm Bureau membership, easy pay, good student, family plan, and accident-free.
  • MetLife discounts include good student, defensive driver, accident-free, claim-free, good driver, multi-policy
  • 21st Century may include discounts for theft prevention, automatic seat belts, teen driver, driver training, homeowners, and good student.
  • Farmers Insurance includes discounts for youthful driver, electronic funds transfer, multi-car, early shopping, alternative fuel, and bundle discounts.
  • Allstate offers discounts including senior citizen, farm vehicle, eSmart discount, utility vehicle, good payer, anti-lock brakes, and EZ pay plan discount.

When comparing rates, check with every company what discounts are available to you. Depending on the company, some discounts may not apply to policies everywhere. If you would like to see a list of insurance companies with the best car insurance discounts, follow this link.

How much is auto insurance?

When shopping for auto insurance there are multiple ways to compare rate quotes from local auto insurance companies. The best way to find affordable 1992 Ford Escort insurance rates is simply to get online rate quotes. This is very easy and can be done in just a few minutes using one of these methods.

  1. The simplest way to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This style of form keeps you from doing multiple quote forms for each company you want a rate for. One form compares rates direct from many companies. It’s definitely the quickest method.
  2. A less efficient way to find more affordable insurance requires visiting each individual company website and complete a new quote form. For sake of this example, let’s say you want to view quotes from Nationwide, Esurance and State Farm. To get rate quotes you would need to visit each site and enter your information, which can take a lot of time.

    For a list of links to insurance companies in your area, click here.

However you get your quotes, try to keep nearly identical information on every price quote you get. If you are comparing different data it’s impossible to get a fair rate comparison. Having just a slight variation in coverage limits may result in large price differences. Keep in mind that comparing a large number of companies helps you find more affordable insurance. Some insurance companies are not set up to provide online rate quotes, so it’s necessary to compare quotes from them as well.

What is the best car insurance coverage?

When buying proper insurance coverage for your vehicles, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

These are some specific questions may help highlight if you would benefit from professional advice.

  • What companies insure drivers after a DUI or DWI?
  • How much underlying liability do I need for an umbrella policy?
  • Is rental equipment covered for theft or damage?
  • Am I covered when pulling a rental trailer?
  • Should I sign the liability waiver when renting a car?
  • Does my policy cover my teen driver if they drive my company car?
  • Is my babysitter covered when using my vehicle?
  • Am I covered if I break a side mirror?
  • What exactly is covered by my policy?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Coverages available on your policy

Learning about specific coverages of auto insurance can help you determine appropriate coverage and the correct deductibles and limits. Auto insurance terms can be confusing and coverage can change by endorsement.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like hospital visits, doctor visits, prosthetic devices, rehabilitation expenses and ambulance fees. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Liability car insurance

This coverage provides protection from damage that occurs to other’s property or people. This insurance protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims such as medical expenses, legal defense fees, medical services and pain and suffering. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.

Protection from uninsured/underinsured drivers

This coverage provides protection when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive (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 can pay for things like a broken windshield, rock chips in glass, vandalism and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision protection

Collision insurance pays for damage to your Escort resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like backing into a parked car, colliding with a tree, crashing into a ditch, crashing into a building and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

In conclusion

You just learned many tips how you can compare 1992 Ford Escort insurance prices online. It’s most important to understand that the more times you quote, the better your comparison will be. Consumers may even find the lowest prices come from an unexpected company.

People leave their current company for any number of reasons including not issuing a premium refund, delays in responding to claim requests, questionable increases in premium and policy non-renewal. Regardless of your reason, finding the right insurance provider can be pretty painless.

The cheapest 1992 Ford Escort insurance can be purchased online as well as from insurance agents, and you should be comparing both in order to have the best chance of saving money. There are still a few companies who may not have the ability to get a quote online and most of the time these smaller companies only sell coverage through independent agencies.

More detailed insurance information can be found by following these links: