2001 Ford Escort Car Insurance Cost – 6 Tips for Cheaper Prices

Looking for the cheapest insurance rates for your Ford Escort? Finding the cheapest insurance for a Ford Escort can normally be an all-consuming task, but you can learn our insurance buying tips and make it easy.

There are both good and bad ways to find insurance online and we’ll show you the proper way to price shop coverage for your Ford and get the lowest price either online or from local insurance agents.

It’s a great practice to take a look at other company’s rates occasionally because insurance prices fluctuate regularly. If you had the best rates for Escort insurance two years ago you can probably find a lower rate today. Block out anything you think you know about insurance because we’re going to demonstrate the easiest way to save money, get proper deductibles and limits, all at the lowest rate.

Pricing the cheapest car insurance is not that difficult. If you are insured now or are shopping for new coverage, you can follow these tips to cut your premiums and possibly find even better coverage. Vehicle owners just need to understand the proper methods to compare prices over the internet.

How to buy auto insurance online

Finding a better price on auto insurance is pretty simple and can save money. The only requirement is to take a couple of minutes to compare free car insurance quotes online from several insurance companies. This can easily be done using a couple different methods.

  1. Hands down the most simple method to find the lowest comparison rates would be an industry-wide quote request form (click to open form in new window). This method eliminates the need for a different quote for each company. Just one form gets you coverage quotes direct from many companies. It’s the fastest way to compare.
  2. A more difficult way to find more affordable insurance requires a trip to the website for every company you want to comare and get a separate price quote. For instance, we’ll assume you want comparison quotes from Allstate, Farmers and GEICO. You would have to visit each site to input your insurance information, which can get old fast. For a list of companies in your area, click here.

It doesn’t matter which method you choose, just be sure to compare the same quote data for every quote you compare. If you have higher or lower deductibles it will be nearly impossible to make a fair rate comparison.

Lower-cost auto insurance rates with discounts

Car insurance companies don’t always publicize every discount very well, so the following list contains some of the best known and the harder-to-find credits available to you.

  • E-sign – Many auto insurance companies give back up to $50 get car insurance online.
  • Good Students Pay Less – Being a good student can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
  • Telematics Discount – Drivers who agree to allow their company to look at where and when they drive by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates as long as the data is positive.
  • Homeowners Pay Less – Being a homeowner may trigger a policy discount on auto insurance due to the fact that maintaining a home is proof of financial responsibility.
  • Anti-lock Brake Discount – Cars, trucks, and SUVs that have anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
  • Good Drivers – Insureds who avoid accidents may receive a discount up to 45% for Escort insurance compared to accident prone drivers.

One thing to note about discounts is that some of the credits will not apply to all coverage premiums. Some only reduce the cost of specific coverages such as comp or med pay. So despite the fact that it appears you can get free auto insurance, it just doesn’t work that way.

A few popular companies and their possible discounts are outlined below.

  • American Family has discounts for TimeAway discount, air bags, good student, mySafetyValet, bundled insurance, good driver, and defensive driver.
  • Farm Bureau includes discounts for 55 and retired, youthful driver, renewal discount, safe driver, driver training, good student, and multi-policy.
  • State Farm may include discounts for anti-theft, good student, accident-free, safe vehicle, student away at school, and good driver.
  • Travelers may have discounts that include save driver, multi-car, early quote, payment discounts, and IntelliDrive.
  • The Hartford offers discounts including defensive driver, bundle, driver training, anti-theft, and good student.
  • GEICO offers premium reductions for five-year accident-free, federal employee, daytime running lights, membership and employees, anti-theft, and emergency military deployment.
  • Progressive may offer discounts for continuous coverage, multi-vehicle, homeowner, multi-policy, online signing, and online quote discount.

Check with each company how many discounts you can get. Some of the discounts discussed earlier might not be available to policyholders in your area. To locate providers with discount rates, click here.

Tailor your car insurance coverage to you

When choosing the right insurance coverage, there really is no perfect coverage plan. Everyone’s situation is a little different.

Here are some questions about coverages that might help in determining whether you might need an agent’s assistance.

  • Is business equipment covered while in my vehicle?
  • Do I have any recourse if my insurance company denies a claim?
  • Is my state a no-fault state?
  • I have health insurance so do I need medical payments coverage?
  • Am I covered if my car is in a flood?
  • Are my tools covered if they get stolen from my vehicle?
  • Should I bundle my homeowners policy with my auto?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverage companies are expert advertisers

Consumers can’t avoid all the ads that promise big savings by 21st Century, Allstate and State Farm. All the ads advertise claims about how much you will save if you move your policy.

How is it plausible that every one can have lower policy pricing? You have to listen carefully.

Insurance providers offer their best rates for the type of driver that makes them money. A good example of a desirable insured may need to be a female over age 40, carries full coverage, and drives a lower-performance vehicle. Anyone who fits those characteristics is entitled to the best price and will cut their rates if they switch.

Potential insureds who don’t meet those standards will probably have to pay a more expensive rate and this can result in the customer not purchasing. The trick companies use is to say “customers that switch” not “everyone who quotes” save the amount stated. This is how companies can truthfully lure you into getting a quote.

Different companies use different criteria so you really need to get price quotes at each policy renewal. It’s just too difficult to predict which insurance coverage company will provide you with the cheapest rates.

The coverage is in the details

Understanding the coverages of your auto insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Auto insurance terms can be difficult to understand and reading a policy is terribly boring.

Liability

Liability insurance protects you from damage or injury you incur to a person or their property in an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for claims such as medical services, court costs and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Collision coverage protection

This pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as colliding with a tree, scraping a guard rail and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive protection

This covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hitting a deer, a tree branch falling on your vehicle, damage from flooding, rock chips in glass and a broken windshield. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical expense coverage

Coverage for medical payments and/or PIP pay for expenses such as doctor visits, hospital visits, prosthetic devices and surgery. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants 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 is very important. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Make an honest buck

Lower-priced 2001 Ford Escort insurance is possible online in addition to local insurance agencies, and you should be comparing both to have the best rate selection. Some companies don’t offer rate quotes online and most of the time these small insurance companies provide coverage only through independent agencies.

As you prepare to switch companies, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are too many instances where consumers will sacrifice liability coverage limits and learned later they didn’t purchase enough coverage. Your strategy should be to get the best coverage possible at the best possible price and still be able to protect your assets.

Consumers change insurance companies for any number of reasons including unfair underwriting practices, being labeled a high risk driver, high prices or poor customer service. It doesn’t matter what your reason, choosing a new company can be easier than you think.

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