1996 Ford Escort Insurance Quotes

Shoppers have many options when shopping for affordable Ford Escort insurance. They can either waste time driving around trying to get quotes or utilize the internet to get rate quotes.

There are more efficient ways to find insurance coverage online and we’ll show you the absolute fastest way to quote coverages for a Ford and obtain the best price possible from both online companies and local agents.

This information will familiarize you with the best way to quote coverages and some money-saving tips. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using this information. Drivers only need an understanding of the most efficient way to compare rates online.

Eight tips to get more affordable insurance costs

Many different elements are part of the equation when you quote your car insurance policy. A few of the factors are predictable like a motor vehicle report, although some other factors are not as apparent like your vehicle usage or your financial responsibility.Consumers need to have an understanding of some of the factors that play a part in calculating your policy premiums. If you understand what positively or negatively impacts your premiums, this helps enable you to make changes that can help you get much lower annual insurance costs.

  • Premiums are high for teenagers – More experienced drivers are more cautious drivers, cost insurance companies less in claims and get fewer tickets.Beginning drivers are statistically proven to be inattentive when at the wheel of a vehicle so car insurance rates are higher.
  • Insurance rates in urban areas – Living in less populated areas is a positive aspect when talking about car insurance. Urban drivers have more traffic problems and more time behind the wheel. Fewer drivers and short commutes means fewer accidents.
  • Frequent claims will increase rates – If you’re an insured who likes to file claims you can definitely plan on higher premiums or even policy non-renewal. Auto insurance companies award discounts to people who are claim-free. Your car insurance is designed for larger claims.
  • Cheaper premiums for prior coverage – Not maintaining insurance is against the law and you will pay a penalty because you let your coverage have a gap. In addition to paying higher rates, being ticketed for driving with no insurance may earn you a license revocation or jail time.
  • Deter theft and reduce prices – Owning a car with a theft deterrent system can earn a premium discount. Advanced theft deterrents like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft and help lower rates.
  • What’s your car’s IIHS safety rating? – Vehicles that have high safety ratings are cheaper to insure. Vehicles built for safety help reduce the chance of injuries in an accident and fewer injuries means less claims paid which can result in lower premiums. If your Ford Escort is rated at a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may be receiving a better rate.
  • Marriage discount – Your spouse may earn you lower rates on your policy. It demonstrates that you tend to be less irresponsible and it’s statistically proven that married couples file fewer claims.
  • Only buy coverage you need – Insurance policies have a lot of extra add-on coverages that you can get tricked into buying if you aren’t careful. Things like rental car coverage, death and dismemberment, and extra equipment coverage are some examples. The coverages may be enticing when talking to your agent, but your money might be better spent on other coverage so eliminate them to save money.

Low cost auto insurance prices

Finding more affordable auto insurance prices is not a difficult process. All that’s required is to take the time comparing free auto insurance quotes from online providers. This is very easy and can be done using a couple different methods.

  • Probably the best way to get quotes is a comparison rater form like this one (opens in new window). This easy form saves time by eliminating separate quote forms for each company you want a rate for. A single, simple form will get you price quotes from multiple companies. This is perfect if you don’t have a lot of time.
  • Another way to shop for auto insurance online consists of going to each company website and get a separate price quote. For instance, we’ll assume you want comparison quotes from GEICO, Esurance and Allstate. To do that, you would have to spend time on each company’s site and repeatedly type in your coverage information, which can take a lot of time. For a handy list of car insurance company links in your area, click here.

It doesn’t matter which method you choose, just be sure to compare the same coverage data with every price quote. If your comparisons have differing limits you will not be able to find the best deal for your Ford Escort.

Double check you’re getting with these discounts

Some insurance providers do not list every available discount in an easy-to-find place, so we took the time to find a few of the more common and the harder-to-find credits that may apply to you. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Resident Student – Kids who live away from home at college and do not have access to a covered vehicle could qualify for this discount.
  • Drive Safe and Save – Drivers who don’t get into accidents may save up to 50% more for Escort insurance than their less cautious counterparts.
  • Anti-lock Brake Discount – Cars and trucks with ABS braking systems or traction control are much safer to drive so companies give up to a 10% discount.
  • Include Life Insurance and Save – Not all insurance coverage companies offer life insurance, but some may give you better prices if you take out life insurance from them.
  • Air Bag Discount – Vehicles with factory air bags can qualify for discounts of 20 to 30 percent.
  • Bundle and Save – If you have multiple policies and insure them with the same company you will save approximately 10% to 15%.
  • Membership in Organizations – Belonging to specific professional or occupational memberships or organizations may earn a discount when getting a auto insurance quote.
  • Drivers Education – Require your teen driver to take driver’s ed class as it can save substantially.

Don’t be shocked that many deductions do not apply to the entire cost. Most only apply to the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears all the discounts add up to a free policy, you aren’t that lucky. But all discounts should help reduce the cost of coverage.

The best insurance coverage companies and the discounts they provide are outlined below.

  • GEICO may offer discounts for air bags, multi-vehicle, good student, anti-lock brakes, and anti-theft.
  • SAFECO discounts include accident prevention training, homeowner, teen safety rewards, drive less, anti-theft, bundle discounts, and multi-car.
  • State Farm offers discounts for anti-theft, multiple autos, good driver, driver’s education, and safe vehicle.
  • MetLife includes discounts for good driver, multi-policy, defensive driver, claim-free, accident-free, good student
  • 21st Century may include discounts for theft prevention, student driver, early bird, air bags, 55 and older, anti-lock brakes, and driver training.
  • Progressive offers premium reductions for multi-policy, online quote discount, continuous coverage, good student, multi-vehicle, and online signing.

Check with each company or agent how many discounts you can get. Some of the discounts discussed earlier may not apply in your area.

Your situation helps dictate your coverage

When it comes to choosing the best insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Every situation is different.

For example, these questions might help in determining whether you might need professional guidance.

  • Does coverage extend to a rental car in a foreign country?
  • Do I need added coverage for expensive stereo equipment?
  • Is my teenager covered with friends in the car?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Does my car insurance cover rental cars?
  • Can my teen driver be rated on a liability-only vehicle?
  • When should I remove comp and collision on my 1996 Ford Escort?
  • Does my policy pay for OEM or aftermarket parts?
  • How do I file an SR-22 for a DUI in my state?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form. It is quick, free and can help protect your family.

The coverage is in the details

Knowing the specifics of your insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Auto liability

Liability insurance provides protection from damages or injuries you inflict on other’s property or people by causing an accident. It protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like funeral expenses, court costs, attorney fees, pain and suffering and medical expenses. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Ford Escort.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision coverage protection

This covers damage to your Escort resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as colliding with a tree, hitting a mailbox and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as damage from getting keyed, a tree branch falling on your vehicle and hitting a deer. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for immediate expenses like ambulance fees, chiropractic care and pain medications. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

In conclusion

In this article, we covered many ways to lower your 1996 Ford Escort insurance car insurance rates. The key thing to remember is the more companies you get premium rates for, the better your chances of lowering your premium rates. Consumers may even find the lowest priced auto insurance comes from some of the smallest insurance companies.

Lower-priced auto insurance can be purchased both online as well as from insurance agents, so you need to quote auto insurance with both so you have a total pricing picture. Some insurance companies do not provide online price quotes and many times these small insurance companies only sell through independent agents.

When trying to cut insurance costs, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where someone sacrificed liability coverage limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy enough coverage at the best possible price while not skimping on critical coverages.

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