Ford Ford Escort Insurance Rates
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UPDATED: Mar 16, 2020
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Searching for better insurance prices for a Ford Escort can turn out to be a lot of work, but you can learn these tips to find lower rates. There are both good and bad ways to shop for insurance coverage so we’re going to tell you the quickest way to get price quotes for a Ford and obtain the lowest possible price either online or from local insurance agents.
Choosing the best insurance company for you is not rocket science. If you have insurance now or need new coverage, you can use these tips to shop for the lowest rates and still get good coverage. Vehicle owners only need an understanding of the best way to buy insurance online.
Don’t overlook these nine discounts
Auto insurance companies do not advertise all available discounts very well, so the following is a list of some of the more common and also the lesser-known discounts you could be receiving. If you don’t get every credit possible, you’re just leaving money on the table.
- Distant Student – Children who live away from home without a vehicle on campus may qualify for this discount.
- Lower Rates for Military – Being on active duty in the military may qualify for rate reductions.
- Braking Control Discount – Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
- Seat Belt Usage – Drivers who require all occupants to use their safety belts can save 10% or more off your PIP or medical payments premium.
- Government Employees – Employees or retirees of the government can earn a discount up to 10% for Escort insurance with certain companies.
- Safe Drivers – Safe drivers can pay as much as 50% less for Escort insurance than their less cautious counterparts.
- New Vehicle Savings – Putting insurance coverage on a new car can be considerably cheaper due to better safety requirements for new cars.
- Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.
- Theft Prevention Discount – Anti-theft and alarm systems help deter theft and will save you 10% or more.
It’s important to understand that some of the credits will not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, you won’t be that lucky.
For a list of insurance companies offering auto insurance discounts, follow this link.
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Is my situation unique?
When buying the right insurance coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s.
Here are some questions about coverages that can help discover whether you may require specific advice.
- I have a DUI can I still get coverage?
- Can I rate high risk drivers on liability-only vehicles?
- Will I lose any money if I cancel my policy before it expires?
- How can I force my company to pay a claim?
- Is my vehicle covered by my employer’s policy when using it for work?
- When should my teen driver be added to my policy?
If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.
Learning about specific coverages of your policy can be of help when determining the right coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and nobody wants to actually read their policy.
Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as rehabilitation expenses, surgery, chiropractic care and pain medications. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers you and your occupants in addition to being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage
Comprehensive (Other than Collision) – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims such as damage from flooding, fire damage, falling objects, damage from getting keyed and hitting a bird. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.
Liability auto insurance – This provides protection from damage that occurs to a person or their property that is your fault. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.
Liability insurance covers things like emergency aid, repair costs for stationary objects and medical expenses. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.
Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Ford Escort.
Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.
Collision coverages – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.
Collision insurance covers things like hitting a parking meter, sustaining damage from a pot hole, colliding with a tree, sideswiping another vehicle and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.
Smart consumers save more
When shopping online for car insurance, don’t be tempted to reduce coverage to reduce premium. Too many times, an accident victim reduced collision coverage only to regret at claim time they didn’t purchase enough coverage. Your focus should be to find the BEST coverage at a price you can afford.
Cheaper 2001 Ford Escort insurance can be found both online as well as from independent agents, and you need to price shop both to have the best selection. Some insurance providers don’t offer you the ability to get quotes online and these small insurance companies work with independent agents.
Insureds who switch companies do it for a variety of reasons including questionable increases in premium, not issuing a premium refund, poor customer service and even unfair underwriting practices. Whatever your reason, finding a new car insurance company is not as difficult as it may seem.
For more information, feel free to visit the resources below:
- Five Mistakes to Avoid (Insurance Information Insitute)
- No-Fault Auto Insurance Statistics (Insurance Information Insitute)
- Rental Car Insurance Tips (Insurance Information Insitute)
- Frontal Crash Tests (iihs.org)
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