1993 Ford Escort Car Insurance Rates

When shopping for more affordable insurance, are you confused by the dozens of insurance coverage choices available to you? Many other drivers are too. You have such a vast assortment of choices available that it can be a big hassle to find the lowest price.

Use discounts on car insurance

Car insurance is not cheap, but you may qualify for discounts that could drop your premiums quite a bit. Some of these disounts will be visible at the time you complete a quote, but a few must be manually applied before you get the savings. If you’re not getting every credit you deserve, you could be saving more on your car insurance.

  • Good Grades Discount – Excelling in school may save as much as 25% on a insurance quote. Most companies allow this discount well after school through age 25.
  • Renewal Discounts – A few larger companies give discounts for renewing your policy before your current policy expires. You may see this discount when you get insurance quotes online.
  • Discount for Multiple Policies – If you have multiple policies with the same insurance company they may give you a discount of over 10 percent off each policy depending on the company.
  • Discount for New Cars – Putting insurance coverage on a new car is cheaper compared to insuring an older model.
  • Active Service Discounts – Having a family member in the military could be rewarded with lower rates.
  • Data Collection Discounts – Policyholders that allow driving data submission to scrutinize their driving habits by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates if they exhibit good driving behavior.
  • Save with More Vehicles Insured – Having all your vehicles on the same car insurance policy may reduce the rate for each vehicle.
  • Full Payment Discount – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.

You can save money using discounts, but some credits don’t apply to the overall cost of the policy. Most cut specific coverage prices like physical damage coverage or medical payments. So even though it sounds like you would end up receiving a 100% discount, nobody gets a free ride.

To choose providers that can offer you the previously mentioned discounts, follow this link.

Why smart consumers pay less for Ford Escort insurance

Lots of things are part of the equation when you quote your car insurance policy. Some are obvious like your driving record, although others are less obvious such as your marital status or your commute time.

The itemized list below are some of the major factors utilized by car insurance companies to help set your prices.

  • Always keep your car insurance policy in place – Driving without insurance can get your license suspended and you will pay a penalty because you let your coverage lapse. In addition to paying higher premiums, getting caught without coverage can result in a revoked license or a big fine. You may have to file a SR-22 with your state DMV.
  • Lower premiums with alarms and GPS tracking – Choosing to buy a car with a theft deterrent system can help lower your premiums. Theft deterrent systems such as OnStar, LoJack tracking, and tamper alarms can help prevent auto theft and help lower rates.
  • Costs are affected by your address – Choosing to live in small towns and rural areas can be a good thing when buying car insurance. Fewer drivers translates into fewer accident claims as well as less vandalism and auto theft. People who live in big cities regularly have more road rage incidents and much longer commute distances. Higher commute times means more chance of being in an accident.
  • Cheaper premiums with safer cars – Safe vehicles can get you lower premiums. Safe vehicles result in less severe injuries and lower injury rates means your insurance company pays less which can result in lower premiums.
  • Use one insurance company and save – Most insurers give a discount to buyers that have more than one policy. It’s known as a multi-policy discount. Discounts can be anywhere from five to ten percent in most cases. Even though this discount sounds good, it’s in your best interest to check prices from other companies to guarantee you are still saving the most.There is a chance you can save more without the discount by buying insurance from more than one company.
  • Expect high rates for teens – More mature drivers have been proven to be more responsible, cost insurance companies less in claims .Young drivers are statistically shown to be less responsible when behind the wheel so car insurance rates are higher.
  • Save annual miles and save money – The higher the miles on your Ford every year the more you’ll pay to insure your vehicle. Many insurance companies rate vehicles partially by how you use the vehicle. Autos not used for work or commuting get more affordable rates compared to those used for work or business. Verify your car insurance policy is rated on the correct usage, because it can save money. A policy that improperly rates your Escort may be costing you.

Tailor your auto insurance coverage to you

When choosing coverage, there really is no one size fits all plan. Everyone’s situation is unique.

Here are some questions about coverages that can aid in determining if your insurance needs would benefit from an agent’s advice.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Should I rate my 1993 Ford Escort as pleasure use or commute?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • If my pet gets injured in an accident are they covered?
  • Do I pay less for low miles?
  • Do I need more liability coverage?
  • How high should deductibles be on a 1993 Ford Escort?

If it’s difficult to answer those questions, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form.

Specifics of your car insurance policy

Understanding the coverages of car insurance helps when choosing the best coverages and proper limits and deductibles. Car insurance terms can be ambiguous and coverage can change by endorsement.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like hitting a mailbox, damaging your car on a curb, driving through your garage door, crashing into a ditch and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible to bring the cost down.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Ford Escort.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Usually these coverages are similar to your liability insurance amounts.

Liability coverage

Liability insurance protects you from injuries or damage you cause to other people or property that is your fault. This insurance protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims such as emergency aid, legal defense fees, attorney fees, bail bonds and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hitting a deer, a broken windshield and a tree branch falling on your vehicle. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical costs insurance

Med pay and PIP coverage reimburse you for immediate expenses for things like hospital visits, nursing services, pain medications and surgery. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Shop smart and save

We just presented some good ideas how you can get a better price on 1993 Ford Escort insurance. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even discover the lowest priced insurance coverage comes from an unexpected company.

More affordable insurance coverage can be sourced online in addition to local insurance agencies, so get free insurance quotes from both of them to get a complete price analysis. Some companies may not offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agencies.

When shopping online for insurance coverage, it’s a bad idea to buy poor coverage just to save money. In many cases, an insured dropped physical damage coverage only to discover later that the small savings ended up costing them much more. Your aim should be to purchase plenty of coverage at an affordable rate while still protecting your assets.

Much more information about insurance coverage can be found below: