1992 Ford Escort Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Mar 11, 2020

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I can’t think of a single person who looks forward to paying for car insurance, in particular when they are paying too much.

Companies like Allstate and Progressive all claim big savings with catchy ads and it is difficult to see past the corporate glitz and take the time to shop coverage around.

It’s important to compare rates at least once a year because insurance rates are adjusted regularly by insurance companies. Just because you found the best rates on Escort coverage six months ago the chances are good that you can find a lower rate today. There is a lot of bad information regarding car insurance online but by reading this article, you’re going to learn some of the best ways to find cheap car insurance.

Insurance Coverage Quote Comparison

Most companies give price estimates online. Getting online rates doesn’t take much effort as you simply type in your coverage preferences into the quote form. After the form is submitted, their system will order reports for credit and driving violations and generates a price. This streamlines rate comparisons, but the time required to go to multiple sites and enter the same data into a form is repetitive and time-consuming. But it’s absolutely necessary to have as many quotes as possible if you are searching for the best price on insurance coverage.

The easy way to compare rates

The quickest way to compare insurance coverage pricing uses one form that gets prices from many companies. It saves time, eliminates form submissions, and makes online quotes much simpler. Immediately after submitting the form, it is quoted and you can select any of the returned quotes.

If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. It takes just a few minutes to complete and you will find out if you’re overpaying now.

In order to compare rates now, click here to open in a new tab and submit the form. If you have a policy now, it’s recommended you input the coverages as shown on your current policy. Doing this assures you will have a price comparison based on similar coverages.

When might I need an agent?

When it comes to buying coverage, there really is no best way to insure your cars. Everyone’s needs are different and your policy should reflect that. For instance, these questions can help discover whether you might need an agent’s assistance.

  • When do I need to add a new car to my policy?
  • Where can I find DUI or SR-22 insurance?
  • Does having multiple vehicles earn me a discount?
  • Why does it cost so much to insure a teen driver?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Are rental cars covered under my policy?
  • How much liability insurance is required?
  • Am I insured when driving a different vehicle?
  • Will filing a claim cost me more?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Free Auto Insurance Comparison

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The coverage is in the details

Understanding the coverages of your insurance policy can help you determine which coverages you need for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are the normal coverages found on the average insurance policy.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as dental work, X-ray expenses, prosthetic devices and rehabilitation expenses. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

UM/UIM Coverage

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these coverages are identical to your policy’s liability coverage.

Collision protection

Collision coverage will pay to fix damage to your Escort resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as colliding with a tree, crashing into a building and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.

Coverage for liability

This coverage can cover damage or injury you incur to a person or their property that is your fault. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property. Another option is a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like court costs, legal defense fees and medical expenses. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix 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 coverage pays for things like vandalism, hail damage and fire damage. The most your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Use our FREE quote tool to compare rates now!

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