Ford Ford Escort Insurance Rates
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UPDATED: Mar 16, 2020
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Want the cheapest auto insurance rates for your Ford Escort? Have you had enough of paying out the nose to insure your Ford every month? You are in the same boat as many other drivers.
Having so many auto insurance companies to choose from, it can be impossible to choose the right insurance company.
The purpose of this post is to instruct you on the best way to quote coverages and some tips to save money. If you are paying for car insurance now, you will most likely be able to cut costs considerably using these tips. But drivers do need to learn how insurance companies determine prices and apply this information to your search.
The fastest way that we advise to get policy rate comparisons is to know most of the bigger providers participate in a system to compare their rates. The only thing you need to do is give them some information including the make and model of your vehicles, any included safety features, what you do for a living, and your credit rating estimate. Your rating data is sent automatically to multiple companies and you get price estimates very quickly.
How to save on 1999 Ford Escort insurance
The cost of insuring your cars can be expensive, but you may find discounts that you may not even be aware of. Certain discounts will be applied when you quote, but less common discounts must be asked for before being credited.
- Safe Drivers – Drivers who avoid accidents may save up to 50% more on Escort insurance than drivers with accidents.
- Multiple Policy Discount – If you insure your home and vehicles with one company you will save approximately 10% to 15%.
- Seat Belts Save more than Lives – Buckling up and requiring all passengers to use their safety belts can save up to 15% off your PIP or medical payments premium.
- Driver’s Ed – Cut your cost by having your teen driver enroll in driver’s education in school.
- Passive Restraints – Factory air bags or motorized seat belts can qualify for discounts of more than 20%.
- Clubs and Organizations – Participating in a professional or civic organization could trigger savings when buying insurance on Escort insurance.
- Defensive Driving Course – Completing a course in driver safety can save you 5% or more and easily recoup the cost of the course.
- Anti-theft System – Vehicles with anti-theft systems help deter theft and earn discounts up to 10%.
Keep in mind that most of the big mark downs will not be given the whole policy. A few only apply to specific coverage prices like liability and collision coverage. So despite the fact that it appears you would end up receiving a 100% discount, you won’t be that lucky. Any qualifying discounts will cut your overall premium however.
To see a list of insurance companies who offer insurance discounts, click here.
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Tailor your coverage to you
When choosing adequate coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s situation is a little different so this has to be addressed. For example, these questions could help you determine if you might need an agent’s assistance.
- What can I do if my company won’t pay a claim?
- Am I missing any policy discounts?
- What is an SR-22 filing?
- Does insurance cover tools stolen from my truck?
- Am I covered when driving someone else’s vehicle?
- Can I drive in Mexico and have coverage?
- When would I need additional glass coverage?
- Does car insurance cover theft of personal property?
- How can I find cheaper teen driver insurance?
- Should I have combined single limit or split liability limits?
If you’re not sure about those questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance coverage companies in your area.
Parts of your car insurance policy
Understanding the coverages of a car insurance policy can help you determine the right coverages and proper limits and deductibles. Car insurance terms can be difficult to understand and nobody wants to actually read their policy. These are the normal coverages available from car insurance companies.
Comprehensive coverage – This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against claims like a tree branch falling on your vehicle, hail damage and hitting a bird. The highest amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Liability – Liability coverage protects you from damage or injury you incur to people or other property. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability coverage pays for claims like loss of income, bail bonds and legal defense fees. How much coverage you buy is your choice, but buy higher limits if possible.
Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.
Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these limits are identical to your policy’s liability coverage.
Collision coverage – Collision coverage covers damage to your Escort resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage protects against things like hitting a mailbox, colliding with a tree, damaging your car on a curb, crashing into a building and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.
Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance reimburse you for bills for things like dental work, funeral costs, EMT expenses, rehabilitation expenses and chiropractic care. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible
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