View 1998 Ford Escort Car Insurance Quotes

Getting cheaper insurance online may be problematic for consumers new to comparing and buying insurance on the web. With such a large number of companies in the marketplace, how can consumers have time to compare the different rates to find lower insurance premiums?

You need to check insurance prices before your next renewal since insurance rates are rarely the same from one policy term to another. Even if you think you had the lowest rate on Escort coverage a year ago you will most likely find a better price today. Forget anything you know (or think you know) about insurance because you’re about to find out how to use online quotes to save money, get proper deductibles and limits, all at the lowest rate.

Buy insurance online

There are several ways to compare insurance quotes, but some are more efficient than others. You could spend your day talking to insurance agencies in your area, or you could save time and use the internet to accomplish the same thing much quicker.

Many popular insurance companies take part in a program where insurance shoppers enter their policy data once, and every company returns a rated price based on that information. This saves time by eliminating quote forms to each company. To compare rates now click here to start a free quote.

The only downside to pricing coverage this way is you don’t know exactly which carriers you want to price. If you wish to select specific insurance companies to compare, we have a listing of low cost insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, ensure you’re using the same coverage limits for each price quote. If you are comparing higher or lower deductibles then you won’t be able to make a fair comparison for your Ford Escort. Just slight variations in coverages can mean a large discrepancy in price. And when comparing insurance rates, know that comparing more rates from different companies helps you find the best rates. Some companies don’t provide rate quotes online, so it’s necessary to compare prices from them, too.

You may qualify for discounts

Companies that sell car insurance don’t always publicize their entire list of discounts very clearly, so below is a list both well-publicized and the more hidden credits that you can use to lower your rates. If you aren’t receiving every discount you deserve, you could be paying more than you need to.

  • Switch and Save Discount – Select car insurance companies give a discount for signing up prior to your current policy expiring. It can save you around 10%.
  • Defensive Driver Discounts – Completing a course in defensive driver could save 5% or more if your company offers it.
  • Professional Memberships – Being a member of qualifying employment or professional organizations could qualify you for a break when getting a insurance coverage quote.
  • Paperless Signup – A few larger companies may give you up to $50 for buying your policy on your computer.
  • Discount for New Cars – Buying car insurance coverage on a new vehicle can save up to 30% due to better safety requirements for new vehicles.
  • Cautious Drivers – Drivers who don’t get into accidents could pay up to 40% less on Escort coverage than their less cautious counterparts.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts can save a little off PIP or medical payments premium.
  • Student Driver Training – Teen drivers should successfully complete driver’s ed class if it’s offered in school.
  • Telematics Discount – Insureds who allow their company to study where and when they drive by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive might see lower rates if they are good drivers.
  • First Accident Forgiveness – but companies like GEICO, Progressive, and Allstate allow you one accident before raising your premiums so long as you haven’t had any claims before the accident.

A little note about advertised discounts, some credits don’t apply to the overall cost of the policy. Most only reduce individual premiums such as comprehensive or collision. So even though you would think you would end up receiving a 100% discount, you’re out of luck. Any qualifying discounts will help lower the premium cost.

Large car insurance companies and some of the premium reductions they offer can be read below.

  • American Family may offer discounts for defensive driver, TimeAway discount, Steer into Savings, multi-vehicle, and air bags.
  • Farm Bureau offers discounts for safe driver, 55 and retired, multi-policy, youthful driver, renewal discount, and good student.
  • State Farm has savings for good driver, good student, passive restraint, Steer Clear safe driver discount, student away at school, Drive Safe & Save, and defensive driving training.
  • Travelers may include discounts for hybrid/electric vehicle, save driver, new car, student away at school, and IntelliDrive.
  • The Hartford includes discounts for driver training, good student, bundle, defensive driver, and vehicle fuel type.
  • GEICO has discounts for driver training, anti-lock brakes, good student, military active duty, emergency military deployment, and daytime running lights.
  • Progressive discounts include homeowner, online quote discount, continuous coverage, online signing, multi-policy, multi-vehicle, and good student.

If you want affordable insurance coverage quotes, ask each company or agent which discounts you qualify for. All car insurance discounts might not be offered in your area. To see a list of car insurance companies with the best car insurance discounts, click here to view.

Smart buyers can reduce insurance rates

Many factors are used in the calculation when pricing auto insurance. Some are obvious like an MVR report, but some are more obscure like where you live and annual miles driven.

The following are a partial list of the pieces used by companies to determine prices.

  • Better prices for being claim-free – Auto insurance companies award cheaper rates to drivers who do not file claims often. If you are the type of insured that files lots of claims you can definitely plan on either a policy non-renewal or much higher rates. Your car insurance is intended for the bigger claims that can’t be paid out-of-pocket.
  • Does car insurance cost less for women? – Over time, data shows that men are more aggressive behind the wheel. This data doesn’t prove that females are better at driving than males. Women and men get in at-fault accidents in similar percentages, but the male of the species tend to have more serious accidents. In addition to higher claims, males also receive more major tickets like DUI and reckless driving. Young men ages 16 to 20 tend to get in the most accidents and therefore are the most expensive to insure.
  • Infrequent drivers can save – The higher the mileage driven in a year’s time the higher the price you pay to insure it. Most insurance companies charge to insure your cars based upon how you use the vehicle. Cars that have low annual miles qualify for better rates than those used for commuting. Incorrect rating for your Escort is throwing money out the window. Make sure your declarations sheet shows the correct driver usage, because improper ratings can cost you money.
  • Use one insurance company and save – Many auto insurance companies give lower prices to people who have multiple policies with them. It’s known as a multi-policy discount. Discounts can amount to 10 percent or more. Even if you’re getting this discount it’s still a good idea to compare other insurance prices to help ensure you have the lowest rates.There is a chance you can save more without the discount by buying auto insurance from a different company.
  • Auto insurance rates and age – Youthful drivers are statistically proven to be easily distracted when driving with friends therefore auto insurance rates are much higher. If you’ve ever had to add a teen driver onto your auto insurance can break the bank. Mature drivers are more cautious drivers, tend to cause fewer accidents , and usually have better credit.
  • Raise coverage deductibles and save – The deductibles you choose define the amount you are willing to pay out-of-pocket if a claim is determined to be covered. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Examples of some claims that would be covered would be collision with another vehicle, hail damage, and damage caused by road hazards. The more expense you’re willing to pay, the better rate you will receive on Escort coverage.
  • Insurance rates in urban areas – Residing in a rural area can be a good thing when it comes to auto insurance. Fewer drivers translates into fewer accident claims in addition to fewer liability claims. Drivers in populated areas regularly have more road rage incidents and much longer commute distances. More time behind the wheel means more chance of being in an accident.
  • Credit score impact auto insurance costs – Credit rating is a large factor in determining what you pay. Therefore, if your credit can be improved, you could be paying less to insure your 1998 Ford Escort by improving your rating. Consumers who have very high credit ratings tend to be more responsible and file fewer claims than drivers who have bad credit.

There’s no such thing as the perfect auto insurance policy

When it comes to choosing the right insurance coverage, there isn’t really a best way to insure your cars. Each situation is unique.

Here are some questions about coverages that could help you determine if you could use an agent’s help.

  • What happens if I owe more than my 1998 Ford Escort is worth?
  • What is UM/UIM insurance?
  • What can I do if my company won’t pay a claim?
  • Am I getting all the discounts available?
  • Who is covered by my policy?
  • Should I buy additional glass protection?
  • Will I lose any money if I cancel my policy before it expires?
  • Does my car insurance cover rental cars?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form.

Auto insurance coverage information

Having a good grasp of your policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Comprehensive coverage (or 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 coverage protects against things such as hail damage, damage from flooding, vandalism, falling objects and theft. The most your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision protection

This coverage will pay to fix damage to your Escort from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as damaging your car on a curb, crashing into a ditch and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and damage 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. This is the reason having UM/UIM coverage is a good idea.

Liability coverage

Liability coverage will cover damages or injuries you inflict on other people or property in an accident. It protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage protects against things like court costs, emergency aid and structural damage. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as ambulance fees, prosthetic devices, surgery, chiropractic care and EMT expenses. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Take this to the bank

Drivers switch companies for any number of reasons including an unsatisfactory settlement offer, high prices, high rates after DUI convictions and questionable increases in premium. It doesn’t matter what your reason, switching auto insurance companies can be less work than you think.

You just learned many ways to shop for 1998 Ford Escort insurance online. It’s most important to understand that the more providers you compare, the better your comparison will be. Drivers may discover the most savings is with the least-expected company.

When trying to cut insurance costs, you should never reduce coverage to reduce premium. There have been many cases where an insured cut liability limits or collision coverage and discovered at claim time that it was a big mistake. The aim is to get the best coverage possible at the best possible price but still have enough coverage for asset protection.

Additional auto insurance information can be found at the links below