Trying to find lower car insurance rates for your Ford Escort? Are you a victim of high-priced car insurance? Trust us when we tell you you’re not the only one.
Big-name insurance companies like Allstate, Liberty Mutual and State Farm all claim big savings with ads and it is challenging if not impossible to ignore the flashy ads and effectively compare rates to find the best deal.
It’s a great practice to take a look at other company’s rates before your policy renews because prices are rarely the same from one policy term to another. Despite the fact that you may have had the lowest rates on Escort insurance two years ago other companies may now be cheaper. Ignore everything you know about car insurance because we’re going to show you the proper way to remove unneeded coverages and save money.
If you are paying for car insurance now, you should be able to cut costs considerably using these tips. Finding affordable coverage is not that difficult. Although drivers must know how companies price online insurance because it can help you find the best coverage.
All the larger car insurance companies like Allstate and Progressive give pricing directly from their websites. Getting quotes is quite simple because it’s just a matter of typing in your coverage information on the page. After you complete the form, their system automatically retrieves your credit score and driving record and gives you a price quote based on many factors. Online quotes makes comparing rates easy, but the time it takes to visit multiple sites and enter the same data into a form is a waste of time. But it’s also necessary to perform this step in order to get the lowest price.
There is an easier way!
An easier way to compare rates uses one simple form to get prices from several companies at one time. This type of form saves time, requires much less work on your part, and makes online shopping a lot less work. Immediately after you send the form, your coverage is rated and you can select any or none of the resulting price quotes.
If you find a better price it’s easy to complete the application and purchase coverage. The entire process just takes a couple of minutes and can result in significant savings.
To compare rates using this form now, click here and begin entering your coverage information. If you have your current policy handy, we recommend you input coverages and limits exactly as they are listed on your policy. This ensures you will be getting a rate comparison based on the exact same insurance coverage.
Insurance can be prohibitively expensive, but you might already qualify for some discounts that you may not know about. Many of these discounts will be applied automatically at the time you complete a quote, but less common discounts must be specifically requested before they will apply.
It’s important to understand that many deductions do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because you may think you could get a free insurance policy, insurance companies aren’t that generous.
A list of companies and a partial list of their discounts can be found below.
Check with every insurance company to give you their best rates. Some discounts listed above might not be offered on policies in your area. To see a list of providers who offer online insurance quotes, click this link.
When it comes to choosing adequate coverage, there really is not a single plan that fits everyone. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that might point out if you would benefit from an agent’s advice.
Having a good grasp of a car insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. These are the normal coverages offered by car insurance companies.
Liability auto insurance – Liability coverage will cover damage or injury you incur to people or other property. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.
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. As an example, you may have policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined limit which limits claims to one amount with no separate limits for injury or property damage.
Liability coverage protects against claims like repair costs for stationary objects, pain and suffering, legal defense fees and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.
Comprehensive protection – This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive can pay for things like damage from getting keyed, hitting a bird, damage from a tornado or hurricane, a broken windshield and fire damage. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as your vehicle’s damage.
Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Normally the UM/UIM limits do not exceed the liability coverage limits.
Medical expense coverage – Medical payments and Personal Injury Protection insurance pay for expenses like EMT expenses, ambulance fees, nursing services, rehabilitation expenses and prosthetic devices. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
Collision coverages – This will pay to fix damage to your Escort resulting from colliding with another car or object. 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 sustaining damage from a pot hole, damaging your car on a curb, hitting a parking meter, backing into a parked car and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.