View 1993 Ford Escort Car Insurance Quotes

Looking for better car insurance rates? Shoppers have many options when shopping for low-cost Ford Escort insurance. You can either spend your time calling around getting price quotes or utilize the internet to compare rates. There are both good and bad ways to find car insurance online and we’ll show you the proper way to get price quotes on a Ford and obtain the lowest possible price either online or from local insurance agents.

The quickest way to get rate comparisons utilizes the fact almost all companies actually pay money for the chance to compare their rates. All consumers are required to do is take a few minutes to give details like if it has an alarm system, how much you drive, if you require a SR-22, and the ages of drivers. The rating information is then sent to many highly-rated insurers and they provide comparison quotes very quickly.

Don’t listen to company ads

Consumers can’t ignore all the ads for the lowest price auto insurance from the likes of Progressive, Allstate and Geico. All the companies make an identical promise of big savings if you move your coverage to them.

But how can every company make almost identical claims? It’s all in the numbers.

All companies are able to cherry pick for the right customer that is profitable for them. An example of a desirable insured might be between the ages of 40 and 55, has no driving citations, and chooses high deductibles. A customer that hits that “sweet spot” receives the best rates and therefore will save a lot of money.

Drivers who do not match the requirements must pay higher prices which usually ends up with business not being written. The ad wording is “drivers who switch” not “people who quote” save that much money. That’s the way insurance companies can confidently advertise the way they do. This illustrates why you absolutely need to get a wide range of price quotes. It’s just too difficult to predict which insurance coverage company will provide you with the cheapest Ford Escort insurance rates.

Why you might be paying too much to insure your Ford Escort

Consumers need to have an understanding of some of the elements that come into play when calculating insurance coverage rates. Having a good understanding of what determines base rates empowers consumers to make smart changes that could result in lower insurance coverage prices.

The list below includes a few of the “ingredients” used by your company to calculate premiums.

  • Do you need those extra coverages? – There are quite a few extra coverages you can purchase when buying insurance coverage. Insurance for vanishing deductibles, better glass coverage and motor club memberships are some examples. They may seem good at first, but if you don’t need them eliminate the coverages to reduce your premium.
  • Car features impact rates – Purchasing a vehicle with a theft deterrent system can help bring down rates. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping auto theft.
  • Pleasure use saves money – The more you drive every year the more you will pay for insurance coverage. The majority of insurers rate vehicles based upon how you use the vehicle. Vehicles left parked in the garage can get a lower rate compared to those used for work or business. Having the wrong rating on your Escort may be costing you. Make sure your insurance coverage policy properly reflects the correct driver usage, because it can save money.
  • High crash test scores lower rates – Vehicles with high crash test scores can get you lower premiums. The safest vehicles protect occupants better and fewer injuries translates into fewer and smaller insurance claims and thus lower rates. If your Ford earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.

Lower rates by qualifying for discounts

Companies don’t always advertise every discount in an easy-to-find place, so the following is a list of some of the best known as well as the least known ways to save on auto insurance. If they aren’t giving you every credit you deserve, you are throwing money away.

  • Paperwork-free – A handful of insurance companies will give a small break just for signing your application digitally online.
  • Employee of Federal Government – Employees or retirees of the government can save as much as 8% on Escort insurance with certain companies.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.
  • New Vehicle Savings – Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.
  • Multi-policy Discount – When you have multiple policies with the same company you could get a discount of at least 10% off all policies.
  • Theft Prevention Discount – Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.
  • Life Insurance Discount – Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Homeowners Discount – Owning a house may earn you a small savings because maintaining a house is proof that your finances are in order.

As a disclaimer on discounts, most discounts do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like comp or med pay. Just because it seems like you could get a free auto insurance policy, companies wouldn’t make money that way.

To see a list of insurers with discount auto insurance rates, follow this link.

Car insurance is unique, just like you

When buying adequate coverage for your personal vehicles, there really is not a one size fits all plan. Every situation is different.

For example, these questions may help you determine whether you could use an agent’s help.

  • Do I pay less for low miles?
  • Will I lose any money if I cancel my policy before it expires?
  • Does medical payments coverage apply to all occupants?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Do I have coverage if my license is suspended?
  • Do I need to file an SR-22 for a DUI in my state?
  • Exactly who is provided coverage by my policy?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and can provide invaluable advice.

Car insurance 101

Learning about specific coverages of your policy aids in choosing appropriate coverage for your vehicles. Insurance terms can be confusing and coverage can change by endorsement.

Liability coverage – This provides protection from damage or injury you incur to other’s property or people. This insurance protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims like pain and suffering, legal defense fees, attorney fees and structural damage. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance pay for immediate expenses such as doctor visits, EMT expenses, funeral costs and X-ray expenses. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Ford Escort.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive insurance – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from flooding, damage from a tornado or hurricane, theft, hitting a bird and a broken windshield. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverages – Collision coverage pays for damage to your Escort resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as sideswiping another vehicle, crashing into a building and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Summing up your insurance coverage search

As you restructure your insurance plan, make sure you don’t buy poor coverage just to save money. There are many occasions where an insured dropped physical damage coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your strategy should be to get the best coverage possible at the best price while not skimping on critical coverages.

Throughout this article, we presented some good ideas how to save on 1993 Ford Escort insurance. The key thing to remember is the more companies you get rates for, the better chance you’ll have of finding lower rates. You may be surprised to find that the biggest savings come from the least-expected company.

Cost effective insurance can be purchased from both online companies as well as from independent agents, and you need to comparison shop both to have the best selection. Some insurance providers don’t offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

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