Save on 1994 Ford Escort Insurance Quotes

If price shopping auto insurance quotes online is new to you, it’s easy to get confused by the confusing number of car insurance companies all claiming to have the lowest rates.

It’s a great practice to shop coverage around occasionally since rates change quite often. Even if you think you had the lowest premium rates for Escort coverage a few years ago a different company probably has better prices today. Ignore everything you know about car insurance because you’re about to find out how to use online quotes to get good coverage at a lower rate.

Compare car insurance rates

There are a variety of methods to shop for car insurance, and some are easier and takes less work. You can spend your afternoon talking about coverages with insurance companies in your area, or you can stay home and use the web to accomplish the same thing much quicker.

The majority of car insurance companies are enrolled in a marketplace that enables customers to submit their information once, and every company can give them a price based on the submitted data. This eliminates the need for quote requests for each company you want a rate for. To fill out one form to compare multiple rates now click here to open in new window.

One minor caviat to using this type of form is you can’t choose which insurance companies you will receive quotes from. If you prefer to choose specific providers to compare prices, we have a listing of low cost car insurance companies in your area. Click here to view list.

It’s your choice how you get your quotes, but do your best to enter the same coverage data for each quote you get. If you compare different deductibles it will be nearly impossible to determine which rate is truly the best. Just slight variations in limits could mean much higher rates. It’s important to know that comparing more rates from different companies will improve the odds of getting lower pricing.

Brand name doesn’t guarantee savings

Popular car insurance providers such as 21st Century, Allstate and State Farm continually stream television and radio advertisements. All the ads advertise the message of big savings if you get a free auto insurance quote and switch your coverage. How is it plausible that every one can have lower policy pricing?

Companies quote their cheapest rates for the driver that is profitable for them. For example, a profitable customer might have to be over the age of 40, has never had a claim, and has a high credit rating. Any new insured who matches that profile will get the preferred premium rates and have a good chance to pay quite a bit less when switching companies.

Consumers who fall short of these standards will probably be forced to pay higher rates and this can result in the customer buying from a different company. If you listen closely, the ads state “people who switch” but not “all drivers who get quotes” save money. This is how companies can make the claims of big savings. Because every company is different, it’s extremely important to compare price quotes frequently. It is just not possible to predict which insurance companies will fit you best based on your risk profile.

Get lower-cost auto insurance with these tips

An important part of buying insurance is that you know some of the elements that help determine auto insurance rates. When you understand what impacts premium levels, this enables informed choices that can help you get lower rates.

The items below are some of the most common factors used by your company to calculate rates.

  • Safer vehicles mean better prices – Cars with five star safety ratings are cheaper to insure. Vehicles built for safety reduce injuries and lower injury rates means less claims paid which can mean better rates for you.
  • Consolidate policies and save money – Most major auto insurance companies apply lower prices to policyholders who carry more than one policy in the form of a multi-policy discount. Even with this discount, consumers should still compare other insurance prices to ensure the best deal.
  • Where you live plays a part – Being located in less populated areas has it’s advantages when insuring your vehicles. City drivers regularly have more traffic problems and more time behind the wheel. Fewer drivers on the road means a lower chance of having an accident and also fewer theft and vandalism claims.
  • Low deductibles mean high prices – Deductibles for physical damage define the amount you are required to spend out-of-pocket if the claim is covered. Insurance for physical damage to your car, also called ‘full coverage’, covers damage that occurs to your car. A few examples of covered claims would be colliding with a stationary object, hail damage, and damage from wind. The higher the amount you are required to pay out-of-pocket, the lower your rates will be for Escort coverage.
  • Put fewer miles on your vehicle – The more you drive in a year the more you’ll pay to insure your vehicle. A lot of insurance companies charge rates based upon how much you drive. Vehicles that are left in the garage receive better premium rates compared to those used for work or business. Improper usage on your Escort can cost quite a bit. Make sure your declarations sheet reflects annual mileage.
  • Excellent credit scores equal low premiums – Credit history factor in calculating your premium rate. So if your credit rating can be improved, you could potentially save money when insuring your 1994 Ford Escort by improving your rating. Consumers who have high credit ratings tend to be more responsible and file fewer claims than drivers with lower credit scores.
  • Extra policy coverages that may not be needed – There are many add-on coverages that you can buy on your auto insurance policy. Coverages like coverage for rental cars, death and dismemberment, and membership fees are examples of these. They may seem like a good idea when talking to your agent, but now you might not need them so eliminate them to save money.

These discounts can lower your insurance coverage rates

The price of auto insurance can be rather high, but there could be available discounts that can drop the cost substantially. Many discounts should be triggered at the time you complete a quote, but some discounts are required to be specifically requested in order for you to get them.

  • Defensive Driver Discounts – Participating in a course that instructs on driving safety could possibly earn you a 5% discount depending on where you live.
  • ABS Brakes – Cars, trucks, and SUVs that have steering control and anti-lock brakes can reduce accidents and the ABS can save up to 10%.
  • Telematics Devices – Drivers that enable companies to spy on driving habits through the use of a telematics system such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease as long as they are good drivers.
  • No Claims – Insureds with no claims or accidents have much lower rates as opposed to bad drivers.
  • Discount for Low Mileage – Fewer annual miles on your Ford may allow you to get slightly better rates than normal.
  • Government Employee Discount – Simply working for the federal government may qualify for a discount when you quote auto insurance for Escort coverage with some insurance coverage companies.
  • Homeowners Pay Less – Being a homeowner can earn you a little savings because owning a home is proof of financial responsibility.
  • Student Discount for Driver Training – It’s a good idea to have your young drivers take driver’s ed class as it can save substantially.
  • Club Memberships – Affiliation with qualifying employment or professional organizations could earn you a nice discount on your policy.
  • Smart Student Discounts – This discount may save you up to 25%. The good student discount can last up to age 25.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to the entire cost. Most cut individual premiums such as physical damage coverage or medical payments. If you do the math and it seems like you could get a free insurance coverage policy, you’re out of luck. But any discount will lower the premium cost.

A list of companies and some of their more popular discounts can be found below.

  • American Family includes discounts for accident-free, good student, multi-vehicle, bundled insurance, Steer into Savings, TimeAway discount, and air bags.
  • Nationwide has savings for anti-theft, family plan, business or organization, accident-free, good student, and Farm Bureau membership.
  • MetLife policyholders can earn discounts including good driver, defensive driver, claim-free, multi-policy, and accident-free.
  • 21st Century may have discounts that include theft prevention, early bird, driver training, anti-lock brakes, and student driver.
  • Farmers Insurance offers discounts for electronic funds transfer, homeowner, multi-car, alternative fuel, early shopping, and switch companies.
  • Allstate may include discounts for auto/life discount, defensive driver, teenSMART discount, eSmart discount, and new car.

If you need affordable auto insurance quotes, ask every company which discounts can lower your rates. A few discounts might not be available to policyholders in your area. To view providers that offer multiple discounts, click here to view.

Different people need different car insurance coverages

When it comes to choosing adequate coverage, there really is not a single plan that fits everyone. Each situation is unique.

Here are some questions about coverages that can aid in determining whether you would benefit from an agent’s advice.

  • Am I covered when driving on a suspended license?
  • Can I drive in Mexico and have coverage?
  • Are split liability limits better than a combined single limit?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Should I have a commercial auto policy?
  • What if I owe more than I can insure my car for?
  • Can my teen drive my company car?
  • Can my babysitter drive my car?
  • How does medical payments coverage work?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Coverages available on your policy

Understanding the coverages of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and also any damage incurred to your Ford Escort.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive car insurance

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like vandalism, a tree branch falling on your vehicle, theft and rock chips in glass. The maximum payout your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto liability insurance

Liability insurance can cover damages or injuries you inflict on other’s property or people in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability can pay for things such as loss of income, court costs, medical expenses, medical services and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for bills for ambulance fees, surgery, doctor visits and dental work. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Collision insurance

This pays for damage to your Escort resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as crashing into a ditch, crashing into a building, colliding with a tree, hitting a parking meter and rolling your car. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Better coverage you can count on

When you buy auto insurance online, make sure you don’t buy less coverage just to save a little money. Too many times, an insured cut physical damage coverage to discover at claim time that it was a big mistake. The proper strategy is to buy a smart amount of coverage at an affordable rate.

In this article, we presented a lot of information how to lower your 1994 Ford Escort insurance car insurance rates. It’s most important to understand that the more times you quote, the better likelihood of getting the cheapest auto insurance. Drivers may discover the best car insurance rates are with a small mutual company.

People leave their current company for any number of reasons including unfair underwriting practices, policy non-renewal, delays in paying claims and even lack of trust in their agent. Regardless of your reason for switching companies, finding a great new company is pretty easy and you might even save some money in the process.

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