View 2000 Ford Escort Insurance Quotes

Trying to find cheaper auto insurance rates for your Ford Escort? Comparing auto insurance rates online can seem complicated if you have never used online quotes. But don’t be discouraged because we’re going to show you how.

It’s important to compare prices quite often since rates change quite often. Despite the fact that you may have had the lowest rates for Escort coverage a couple years back the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about auto insurance because you’re about to learn the easiest way to find better coverage at a better price.

Compare Car Insurance Today

There are a lot of ways to shop for car insurance, but some are less time-consuming than others. You could waste a few hours discussing policy coverages with local insurance agents in your area, or you could save time and use the internet to achieve your goal.

Many insurance companies take part in a program where prospective buyers submit their information once, and every company then returns a price quote. This system prevents you from having to do repetitive form submissions to every company.

To compare 2000 Ford Escort rates now click here (opens in new window).

One minor caviat to doing it this way is you don’t know exactly which insurance companies to get pricing from. If you prefer to choose individual companies to request quotes from, we put together a list of car insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but be sure to compare exactly the same quote information for every quote you compare. If you have different deductibles it will be next to impossible to determine the lowest rate for your Ford Escort. Quoting even small variations in coverage limits can make a big difference in price. Just remember that comparing more company’s prices provides better odds of finding the best price.

Parts of the Ford Escort rate equation

Smart consumers have a good feel for the different types of things that go into determining the rates you pay for insurance. Having a good understanding of what determines base rates empowers consumers to make smart changes that can help you get much lower annual insurance costs.

Listed below are some of the items used by your company to calculate your rates.

  • Don’t buy coverages you don’t need – There are quite a few add-on coverages that you can get tricked into buying if you aren’t careful. Things like roadside assistance, accidental death and membership fees are some examples. They may seem like a good idea when talking to your agent, but your needs may have changed so remove them from your policy.
  • Allowing your policy to lapse raises rates – Having an insurance coverage lapse will be a quick way to trigger a rate increase. And not only will your rates increase, getting caught without coverage might get you a steep fine or even jail time.
  • An active claims history can cost you – Auto insurance companies provide lower rates to insureds who are claim-free. If you file claims often, you can expect higher rates. Your insurance policy is designed for larger claims.
  • Car features impact rates – Owning a car that has an advanced theft prevention system can help bring down rates. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent your car from being stolen.
  • Where you reside plays a part – Choosing to live in a small town can be a good thing when it comes to insurance. City drivers regularly have much more traffic and longer commute times. Lower population translates into fewer accidents and also fewer theft and vandalism claims.
  • Do you qualify for a multi-policy discount? – Some companies provide better rates to insureds who carry more than one policy in the form of a multi-policy discount. If you currently are using one company, it’s in your best interest to comparison shop to make sure you are getting the best deal. Drivers may still find better rates by buying insurance from a different company.
  • Better crash test results mean better rates – Vehicles with good safety scores tend to have better insurance rates. The safest vehicles protect occupants better and fewer injuries translates into savings for insurance companies passed on to you as lower rates. If your Ford Escort has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.

More discounts equal less premium

Insuring your vehicles can cost a lot, but discounts can save money and there are some available to reduce the price significantly. Some discounts apply automatically at the time of purchase, but lesser-known reductions have to be asked about before being credited.

  • Low Mileage Discounts – Keeping the miles down on your Ford can qualify you for a substantially lower rate.
  • E-sign – Some insurance companies will give a small break just for signing your application on their website.
  • Accident Forgiveness – A handful of insurance companies will allow you to have one accident before your rates go up as long as you don’t have any claims for a particular time prior to the accident.
  • New Vehicle Savings – Insuring a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Defensive Driver – Completing a course in driver safety could cut 5% off your bill if your company offers it.
  • College Student – Youth drivers who live away from home and don’t have a car can receive lower rates.
  • Anti-theft System – Anti-theft and alarm systems help deter theft and therefore earn up to a 10% discount.
  • Multi-car Discount – Having more than one vehicle on one policy qualifies for this discount.
  • Federal Government Employee – Simply working for the federal government could cut as much as 10% off for Escort coverage with select insurance companies.

It’s important to note that some of the credits will not apply to the entire policy premium. The majority will only reduce specific coverage prices like collision or personal injury protection. Just because it seems like you could get a free car insurance policy, it just doesn’t work that way. But all discounts will bring down your premiums.

For a list of providers with the best car insurance discounts, follow this link.

It’s not one size fits all

When buying the right insurance coverage, there is no cookie cutter policy. Everyone’s needs are different.

Here are some questions about coverages that may help highlight if you may require specific advice.

  • Should I sign the liability waiver when renting a car?
  • What vehicles should carry emergency assistance coverage?
  • When should I buy a commercial auto policy?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Is pleasure use cheaper than using my 2000 Ford Escort to commute?
  • Am I getting all the discounts available?
  • Is a blown tire covered by insurance?
  • Can my teen driver be rated on a liability-only vehicle?
  • Am I covered when driving in Canada or Mexico?
  • Do I need replacement cost coverage?

If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, fill out this quick form.

Detailed coverages of your insurance policy

Knowing the specifics of your insurance policy aids in choosing the right coverages for your vehicles. Insurance terms can be impossible to understand and coverage can change by endorsement.

UM/UIM (Uninsured/Underinsured Motorist) coverage

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

Since a lot of 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. Usually these coverages do not exceed the liability coverage limits.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for pain medications, prosthetic devices, dental work, X-ray expenses and hospital visits. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability insurance

Liability coverage can cover damages or injuries you inflict on other’s property or people that is your fault. It protects you against claims from other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as medical services, medical expenses, funeral expenses, loss of income and attorney fees. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive auto coverage

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from flooding, theft, a broken windshield and hitting a bird. The maximum payout your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision insurance

Collision insurance covers damage to your Escort resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as driving through your garage door, crashing into a ditch and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Affordable insurance is out there

In this article, we covered many ways to compare 2000 Ford Escort insurance prices online. The key concept to understand is the more providers you compare, the better your chances of lowering your rates. Consumers may even find the lowest premiums are with an unexpected company.

Lower-priced insurance can be purchased both online as well as from independent agents, and you need to price shop both in order to have the best price selection to choose from. A few companies don’t offer online price quotes and most of the time these smaller companies sell through independent agents.

As you go through the steps to switch your coverage, it’s not a good idea to skimp on coverage in order to save money. There have been many situations where someone dropped liability limits or collision coverage only to find out that the small savings ended up costing them much more. The proper strategy is to get the best coverage possible at the best price, not the least amount of coverage.

Even more information can be read by following these links: