View 1995 Ford Escort Car Insurance Rates

Want the cheapest car insurance rates for your Ford Escort? Are you sick and tired of being strong-armed to insure your Ford every month? You are in the same boat as many other drivers. There is such a variety of car insurance companies to insure vehicles with, and although it’s nice to have multiple companies, it can be more difficult to find a good deal.

Buying affordable car insurance is not that difficult. If you are insured now or need new coverage, you can use this information to shop for the lowest rates while maximizing coverage. Vehicle owners just need to know the tricks to buy car insurance online.

Discounts can save BIG

The cost of insuring your cars can be expensive, buy you may qualify for discounts to help offset the cost. Some discounts apply automatically when you purchase, but less common discounts must be manually applied prior to getting the savings. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Government Employees – Active or retired federal employment can save as much as 8% on Escort insurance with a few insurance companies.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of up to 25% or more.
  • One Accident Forgiven – A few companies will allow you to have one accident without raising rates so long as you haven’t had any claims for a particular time prior to the accident.
  • Sign Online – Some insurance companies will discount your bill up to fifty bucks for buying your policy online.
  • Auto/Home Discount – If you have multiple policies with one company you may save up to 20% off your total premium.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
  • Senior Citizens – If you’re over the age of 55, you may receive reduced rates on Escort insurance.
  • Discount for Life Insurance – Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Good Student – This discount can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
  • Safe Drivers – Insureds without accidents may receive a discount up to 45% less on Escort insurance than drivers with accidents.

Keep in mind that most credits do not apply to the entire cost. Most only apply to specific coverage prices like liability, collision or medical payments. Just because you may think you would end up receiving a 100% discount, insurance companies aren’t that generous. But any discount will help reduce the amount you have to pay.

For a list of providers with the best insurance discounts, click here.

How to Get Auto Insurance

Finding a lower price on 1995 Ford Escort insurance is not a difficult process. Consumers just need to invest a little time getting comparison quotes online from several insurance companies. It is quite easy and can be accomplished in several different ways.

The most efficient way consumers can make multiple comparisons is a comparison rater form like this one (opens in new window). This method prevents you from having to do separate forms for each company you want a rate for. One quote request will get you price quotes from all major companies.

A slightly less efficient method to analyze rates is to take the time to go to each individual company website and complete a new quote form. For examples sake, we’ll assume you want to compare Auto-Owners, Allstate and Geico. To find out each rate you need to go to every website and enter your policy data, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.

The most time-consuming way of comparing rate quotes is driving around to different agent offices. Buying insurance online makes this process obsolete unless you want the personal advice only provided by licensed agents. Drivers can find lower rates online and still use a local agent and we’ll talk about that later.

However you get your quotes, double check that you are using apples-to-apples coverages with every price quote. If each company quotes differing limits it’s not possible to truly determine the lowest rate.

Factors determining your Ford Escort insurance premium

It’s important that you understand the factors that help determine insurance coverage rates. When you know what positively or negatively determines base rates empowers consumers to make smart changes that may reward you with big savings.

  • Men are more aggressive – Statistics show that men are more aggressive behind the wheel. However, don’t assume that men are worse drivers. They both are in accidents in similar percentages, but the males cause more damage and cost insurance companies more money. They also get cited for more serious violations like reckless driving and DUI.
  • Adjust deductibles and save – Physical damage deductibles define the amount you are willing to pay before your insurance coverage pays a claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some instances where coverage would apply are running into the backend of another car, collision with an animal, and rolling your vehicle. The more expense you are required to pay out-of-pocket, the less your insurance coverage will be on Escort insurance.
  • Safe vehicles cost less to insure – Cars with high safety ratings can get you lower premiums. Safer cars reduce injuries and better occupant protection translates into fewer and smaller insurance claims and lower rates for you. If your Ford Escort earned at least four stars on Safercar.gov you are probably receiving a discount.
  • Lower rates come with age – Older drivers are more responsible, statistically cause fewer accidents and are safer drivers. Teenage drivers tend to be more careless behind the wheel and because of this, their insurance coverage rates are much higher.
  • Tickets mean higher rates – Only having one citation may increase your cost forty percent or more. Drivers with clean records receive lower rates than bad drivers. Drivers with serious tickets like hit and run, DWI or reckless driving convictions are required to submit a SR-22 or proof of financial responsibility with their state DMV in order to continue driving.
  • Consolidate policies to earn discounts – Many companies will award you with lower prices to customers who consolidate policies with them such as combining an auto and homeowners policy. This can amount to anywhere from five to ten percent in most cases. Even though this discount sounds good, you still need to shop around to make sure you are getting the best deal.
  • Do you have enough liability coverage? – The liability section of your policy is the protection if ever a court rules you are at fault for damages caused by your negligence. It provides legal defense up to the limits shown on your policy. This coverage is very inexpensive compared to insuring for physical damage coverage, so drivers should carry high limits.

Will just any policy work for me?

When buying coverage, there is no “best” method to buy coverage. Every insured’s situation is different so your insurance needs to address that. For instance, these questions might point out whether your personal situation could use an agent’s help.

  • Can I make deliveries for my home business?
  • Do I need replacement cost coverage on my 1995 Ford Escort?
  • When should I drop full coverage on my 1995 Ford Escort?
  • Can I drive in Mexico and have coverage?
  • Why am I required to get a high-risk car insurance policy?
  • How do I file an SR-22 for a DUI in my state?
  • I don’t drive much so do I pay less?
  • Will filing a claim cost me more?
  • Are my tools covered if they get stolen from my vehicle?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

Auto insurance specifics

Having a good grasp of a auto insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Listed below are typical coverage types found on most auto insurance policies.

Comprehensive coverage

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as theft, hitting a deer, damage from a tornado or hurricane, vandalism and hitting a bird. The highest amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability

Liability coverage can cover damages or injuries you inflict on people or other property by causing an accident. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Some companies may use a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as funeral expenses, structural damage, court costs, repair bills for other people’s vehicles and emergency aid. How much liability coverage do you need? That is your choice, but buy as much as you can afford.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like nursing services, dental work, rehabilitation expenses and prosthetic devices. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants as well as getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision coverage

This covers damage to your Escort resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as driving through your garage door, hitting a mailbox, sideswiping another vehicle and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Cheaper insurance is a realistic goal

In this article, we covered many ideas to reduce 1995 Ford Escort insurance prices online. The key thing to remember is the more price quotes you have, the better your comparison will be. You may even discover the best price on auto insurance is with a small local company. Some small companies can often provide lower rates in certain areas than their larger competitors like Progressive and Geico.

As you go through the steps to switch your coverage, never skimp on coverage in order to save money. There have been many situations where an accident victim reduced liability coverage limits and learned later that the small savings ended up costing them much more. Your focus should be to purchase a proper amount of coverage at an affordable rate.

The cheapest insurance is possible from both online companies as well as from independent agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies don’t offer the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

To learn more, feel free to visit these articles: