1996 Ford Escort Insurance Rates

Buyers have many options when searching for affordable Ford Escort insurance. They can either spend hours driving around trying to get quotes or utilize the internet to make rate comparisons. There are both good and bad ways to buy insurance so we’re going to tell you the absolute fastest way to compare rates for a new or used Ford and obtain the lowest price either online or from local insurance agents.

You should take the time to take a look at other company’s rates at least once a year since rates change frequently. If you had the best rates for Escort insurance last year you can probably find a better price now. Starting right now, block out anything you think you know about insurance because you’re going to learn the proper way to save on insurance.

Choosing the best insurance company for you is not that difficult. If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using these techniques. Vehicle owners only need to know the most effective way to find the lowest price online.

The most recommended method to compare insurance rates in your area is to understand car insurance companies provide online access to give rate comparisons. To begin a comparison, all you need to do is provide a little information such as how much you drive, how your vehicles are used, any included safety features, and your credit rating estimate. The rating information gets sent immediately to multiple top-rated companies and they return cost estimate quickly.

Factors influencing Ford Escort insurance rates

Smart consumers have a good feel for the factors that play a part in calculating auto insurance rates. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that may reward you with lower auto insurance prices.

Shown below are a partial list of the pieces used by your company to calculate rates.

  • Never allow your policy to lapse – Not having insurance can get your license suspended and auto insurance companies will penalize you for letting your coverage lapse. And not only will insurance be more expensive, getting caught without coverage can result in a license revocation or jail time.Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
  • Discounts for married couples – Getting married actually saves money on your auto insurance policy. Marriage means you’re more mature and statistics show married drivers get in fewer accidents.
  • Lower rates come with age – Teen drivers tend to be less responsible in a vehicle so they pay higher auto insurance rates. Mature drivers tend to be more responsible, tend to cause fewer accidents and are safer drivers.
  • Occupation reflects on rates – Jobs such as real estate brokers, executives and accountants tend to pay higher rates than average attributed to job stress and long work hours. On the flip side, occupations like pilots, athletes and retirees have the lowest average rates for Escort insurance.

Save with discounts on 1996 Ford Escort insurance

Companies offering auto insurance don’t list every available discount very well, so we researched both the well known and the more hidden ways to save on car insurance. If you don’t get every credit possible, you are throwing money away.

  • No Charge for an Accident – Some insurance companies will forgive one accident without raising rates if your claims history is clear for a particular time prior to the accident.
  • Safe Drivers – Insureds without accidents can pay as much as 50% less for Escort insurance than drivers with accidents.
  • Seat Belt Usage – Requiring all passengers to use their safety belts can save 10% or more off your medical payments premium.
  • Distant Student – Any of your kids living away from home attending college without a vehicle on campus can be insured at a reduced rate.
  • Military Rewards – Having a deployed family member could mean lower rates.
  • Life Insurance – Companies who offer life insurance give a discount if you purchase life insurance from them.
  • Multiple Policy Discount – If you have multiple policies with the same company you could get a discount of approximately 10% to 15%.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Ford could qualify for better rates on cars that stay parked.
  • Safety Course Discount – Taking part in a course teaching defensive driving skills could save 5% or more if your company offers it.

Keep in mind that many deductions do not apply to the entire cost. Some only reduce individual premiums such as comp or med pay. So when the math indicates you would end up receiving a 100% discount, car insurance companies aren’t that generous.

Insurance companies that may offer these benefits include:

It’s a good idea to ask all companies you are considering which discounts you may be entitled to. Savings might not be offered everywhere.

Tailor your coverage to you

When choosing proper insurance coverage, there really is no one size fits all plan. Everyone’s needs are different.

For instance, these questions could help you determine whether or not you would benefit from professional advice.

  • Can I afford low physical damage deductibles?
  • Does insurance cover tools stolen from my truck?
  • What is roadside assistance coverage?
  • Should I rate my 1996 Ford Escort as pleasure use or commute?
  • Can I make deliveries for my home business?
  • Is my 1996 Ford Escort covered for flood damage?
  • Does coverage extend to my business vehicle?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and can help protect your family.

Auto insurance coverage basics

Understanding the coverages of auto insurance can be of help when determining the right coverages at the best deductibles and correct limits. Auto insurance terms can be ambiguous and reading a policy is terribly boring.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Escort.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Medical costs insurance

Med pay and PIP coverage provide coverage for expenses for hospital visits, dental work and EMT expenses. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

Coverage for collisions

This coverage pays for damage to your Escort caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as crashing into a ditch, hitting a mailbox, colliding with another moving vehicle, damaging your car on a curb and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hitting a bird, hail damage and hitting a deer. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto liability insurance

This coverage will cover damages or injuries you inflict on other people or property. It protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things such as legal defense fees, loss of income, attorney fees and pain and suffering. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

In Summary

When trying to cut insurance costs, never buy less coverage just to save a little money. There have been many cases where an insured dropped collision coverage only to regret at claim time that the savings was not a smart move. Your goal should be to purchase plenty of coverage at the best price.

Insureds switch companies for a variety of reasons including unfair underwriting practices, delays in responding to claim requests, lack of trust in their agent or poor customer service. It doesn’t matter what your reason, switching insurance coverage companies is actually quite simple.

We just presented some good ideas how to reduce 1996 Ford Escort insurance prices online. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your rates. You may be surprised to find that the lowest premiums are with the least-expected company.

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