Cheap 1994 Ford Escort Car Insurance Quotes

Want better insurance coverage rates for your Ford Escort? Purchasing the cheapest insurance coverage online can be rather challenging for consumers new to comparison shopping online. With so many choices, how can you have a chance to compare them all to find the best price?

You should take the time to shop coverage around on a regular basis due to the fact that insurance rates change frequently. Even if you think you had the lowest price on Escort insurance a few years ago you may be paying too much now. So forget all the misinformation about insurance coverage because you’re going to learn one of the easiest ways to save money, get proper coverage and the best rates.

Buying more affordable coverage is not that difficult. Essentially everyone who has to buy auto insurance will more than likely be able to save money. But vehicle owners benefit from understanding how the larger insurance companies market on the web and use this information to your advantage.

How to Compare Car Insurance Costs

Comparing car insurance rates can take hours if you don’t know the most efficient way. You can waste a few hours (or days) talking to local insurance agents in your area, or you could save time and use the internet to get rate comparisons in just a few minutes.

Most major companies enroll in a system where insurance shoppers only type in their quote data once, and every company returns a rated price for coverage. This saves time by eliminating form submissions to each individual car insurance company.

To compare pricing click here to start a free quote.

The only downside to comparing rates this way is that you can’t choose the insurers you want pricing from. So if you prefer to choose specific providers to compare, we have assembled a list of the cheapest car insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just make darn sure you compare identical coverages and limits for each price quote. If you are comparing different limits and deductibles on each one it will be impossible to determine which rate is truly the best. Quoting even small variations in insurance coverages could mean much higher rates. Just keep in mind that having more price comparisons helps you find a better price.

Ford Escort rates are in the details

Smart consumers have a good feel for the different types of things that help determine auto insurance rates. Knowing what controls the rates you pay helps enable you to make changes that can help you get much lower annual insurance costs.

  • The more you drive the more you pay – The higher the mileage driven every year the higher your rates will be. The majority of insurers apply a rate based upon how you use the vehicle. Cars and trucks that are left in the garage receive lower rates than vehicles that are driven to work every day. Having the wrong rating on your Escort may be costing you. Verify your auto insurance declarations sheet shows the correct usage for each vehicle, because improper ratings can cost you money.
  • Protect yourself with liability coverage – The liability section of your policy will protect you in the event that you are found to be at fault for damages caused by your negligence. Liability insurance provides legal defense up to the limits shown on your policy. Liability is cheap compared to insuring for physical damage coverage, so do not skimp.
  • Men pay higher rates – The statistics show that men are more aggressive behind the wheel. Now that doesn’t mean women are better drivers. They both have accidents in similar numbers, but the males tend to have more serious accidents. They also get cited for more serious violations like reckless driving and DUI.
  • Your car’s features help determine rates – Choosing a vehicle with a theft deterrent system can save you a little every year. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart car theft.
  • Pay less if you’re married – Being married can actually save you money on auto insurance. It usually means you are more mature and it’s proven that married couples file fewer claims.
  • Never let your coverage lapse – Not having insurance is illegal and you will pay a penalty because you let your insurance expire. And not only will your rates increase, but being ticketed for driving with no insurance will get you a license revocation or jail time.You may have to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Bump up deductibles to save – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Ford. Some instances where coverage would apply are running into the backend of another car, damage from fire, and rolling your vehicle. The deductibles are how much you are required to spend out-of-pocket before your auto insurance pays a claim. The higher the amount you are required to pay out-of-pocket, the less your auto insurance will be on Escort insurance.
  • How many coverages with the same company – Many companies will award you with lower prices to people who carry more than one policy such as combining an auto and homeowners policy. Discounts can amount to anywhere from five to ten percent in most cases. Even if you’re getting this discount it’s still a good idea to comparison shop to ensure the best deal.

Don’t pay full price with these discounts

Insuring your vehicles can cost a lot, but there could be available discounts that you may not even be aware of. Certain discounts will be triggered automatically when you get a quote, but less common discounts must be manually applied prior to getting the savings.

  • Braking Control Discount – Vehicles equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
  • Sign Early and Save – A few companies offer discounts for signing up before your current policy expires. It can save you around 10%.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
  • Theft Prevention System – Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • One Accident Forgiven – A few companies permit an accident before hitting you with a surcharge if your claims history is clear prior to the accident.
  • Defensive Driver – Taking part in a defensive driving course could cut 5% off your bill if your company offers it.
  • Auto/Life Discount – Larger companies have lower rates if you buy life insurance.
  • Accident Free – Good drivers with no accidents pay less compared to frequent claim filers.
  • Paperwork-free – A few companies will give a small break simply for signing on their website.
  • Distant Student – Kids in college who live away from home and do not have a car can be insured at a reduced rate.

Keep in mind that most discount credits are not given to the entire cost. Some only apply to individual premiums such as collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, you won’t be that lucky. Any qualifying discounts will bring down the cost of coverage.

To see a list of insurers with the best auto insurance discounts, click here to view.

Your personal situation dictates your coverage

When buying proper insurance coverage for your vehicles, there is no perfect coverage plan. Everyone’s situation is a little different.

These are some specific questions may help you determine if your insurance needs may require specific advice.

  • Is my dog or cat covered if injured in an accident?
  • What is the minimum liability in my state?
  • How high should my uninsured/underinsured coverage be in my state?
  • How many claims can I have before being cancelled?
  • Are there companies who specialize in insuring high-risk drivers?
  • Am I covered when driving in Canada or Mexico?
  • If my 1994 Ford Escort is totaled, can I afford another vehicle?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Car insurance coverage basics

Knowing the specifics of car insurance can be of help when determining the best coverages for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like chiropractic care, prosthetic devices, doctor visits, rehabilitation expenses and X-ray expenses. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. They cover all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred 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. This is the reason having UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability coverage

This coverage can cover damage that occurs to a person or their property. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Some companies may use a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like court costs, pain and suffering, medical expenses, legal defense fees and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as hitting a mailbox, crashing into a ditch, colliding with another moving vehicle, rolling your car and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Comprehensive car insurance

This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as rock chips in glass, fire damage, theft, hail damage and falling objects. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

What is YOUR best insurance company?

When shopping online for insurance, don’t be tempted to buy less coverage just to save a little money. In many cases, someone sacrificed liability limits or collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

You just read a lot of ways to reduce 1994 Ford Escort insurance prices online. The most important thing to understand is the more times you quote, the better chance you’ll have of finding lower rates. You may even find the lowest premiums are with a lesser-known regional company.

The cheapest insurance is attainable online and also from your neighborhood agents, and you should compare price quotes from both to have the best rate selection. Some insurance providers may not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

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