Ford Ford Escort Insurance Rates
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UPDATED: Mar 16, 2020
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Trying to find better insurance coverage rates for your Ford Escort? Searching for better insurance prices for your Ford Escort could be a lot of work, but you can learn these tips to save time. There are both good and bad ways to buy insurance coverage so we’re going to tell you the proper way to get price quotes for a Ford and find the lowest price either online or from local insurance agents.
How to Buy Insurance Online
All major insurance companies such as Progressive, GEICO, Allstate and State Farm give prices online. Getting quotes doesn’t take a lot of time as you simply type in the coverages you want as detailed in the form. After the form is submitted, their rating system requests reports for credit and driving violations and provides a quote based on many factors.
Online quotes makes it a lot easier to compare rates but the process of having to visit different websites and enter the same data into a form can be a bit tiresome and repetitive. Unfortunately, it is important to get many rate quotes in order to find better insurance pricing.
Isn’t there an easier way to compare rates?
The quickest way to compare rates uses one simple form that gets price quotes from many companies. It’s a real time-saver, eliminates form submissions, and makes price shopping online much more enjoyable. After your information is entered, your coverage is rated and you can select any one of the quotes that you receive. If you find a better price you can simply submit the application and purchase the new policy. It only takes a few minutes and you will find out if you’re overpaying now.
To get comparison pricing now, click here to open in a new tab and fill out the form. To compare your current rates, we recommend you input the coverages exactly as shown on your declarations page. This way, you are getting an apples-to-apples comparison for similar coverage.
Discounts on 1996 Ford Escort insurance
Car insurance companies don’t always publicize all their discounts very well, so the following is a list of some of the best known and the more hidden ways to save on insurance coverage. If you don’t get every credit available, you are throwing money away.
- E-sign – A few companies give back up to $50 simply for signing digitally online.
- Military Discounts – Being on active duty in the military could be rewarded with lower premiums.
- Multiple Cars – Buying coverage for all your vehicles on one policy may reduce the rate for each vehicle.
- Sign Early and Save – Select companies give a discount for buying a policy prior to your current policy expiration. It can save you around 10%.
- New Vehicle Savings – Insuring a new car is cheaper compared to insuring an older model.
It’s important to understand that some of the credits will not apply to the entire policy premium. Most only reduce specific coverage prices like physical damage coverage or medical payments. So when it seems like it’s possible to get free car insurance, companies wouldn’t make money that way.
Insurance companies that may have these discounts may include but are not limited to:
Check with every prospective company which discounts they offer. Savings may not be available everywhere.
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Tailor your coverage to you
When it comes to buying the right insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Every insured’s situation is different.
For example, these questions may help you determine if your situation would benefit from professional advice.
- Why am I required to buy high-risk coverage?
- Is my 1996 Ford Escort covered for smoke damage?
- Should I sign the liability waiver when renting a car?
- If my pet gets injured in an accident are they covered?
- Am I covered when delivering products for my home-based business?
- If I drive on a suspended license am I covered?
- What can I do if my company won’t pay a claim?
- Is other people’s property covered if stolen from my vehicle?
- When would I need additional glass coverage?
If you don’t know the answers to these questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.
Auto insurance coverage information
Understanding the coverages of your auto insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.
Comprehensive auto insurance
This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things like a tree branch falling on your vehicle, vandalism, damage from flooding and hitting a deer. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Coverage for medical expenses
Medical payments and Personal Injury Protection insurance pay for bills such as ambulance fees, rehabilitation expenses, X-ray expenses, nursing services and hospital visits. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage
Coverage for uninsured or underinsured drivers
Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Ford Escort.
Because many people 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 very important.
This will pay to fix damage to your Escort caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.
Collision can pay for claims such as crashing into a ditch, hitting a mailbox, hitting a parking meter, driving through your garage door and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.
This will cover damages or injuries you inflict on people or other property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.
Liability insurance covers things such as bail bonds, funeral expenses, court costs, repair bills for other people’s vehicles and medical services. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.
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