Compare 2001 Ford Escort Car Insurance Rates

Looking for cheaper insurance coverage rates for your Ford Escort? Finding cheaper insurance for a Ford Escort can be difficult, but you can learn the following methods to save time. There are both good and bad ways to buy insurance coverage and we’ll show you the best way to quote coverages on a Ford and obtain the best price possible either online or from local insurance agents.

Be sure to get all your discounts

Companies offering auto insurance don’t always publicize all their discounts very well, so we researched some of the best known and the more hidden savings tricks you should be using. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • Employee of Federal Government – Employees or retirees of the government may qualify you for a discount on Escort insurance with a few car insurance companies.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same company you may earn up to 20% off your total premium.
  • Payment Discounts – If paying your policy premium upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Club Memberships – Belonging to a professional or civic organization may earn a discount on car insurance on Escort insurance.
  • Anti-theft System – Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.

Consumers should know that most credits do not apply to the entire cost. A few only apply to specific coverage prices like physical damage coverage or medical payments. Just because you may think having all the discounts means you get insurance for free, it doesn’t quite work that way.

To see a list of providers with discount car insurance rates, click this link.

Factors determining your Ford Escort insurance premium

Smart consumers have a good feel for the factors that go into determining insurance rates. Knowing what controls the rates you pay allows you to make educated decisions that can help you get lower insurance prices.

  • One company can mean more discounts – Some insurance companies will give a discount to customers who carry more than one policy such as combining an auto and homeowners policy. Discounts can be 10 percent or more. Even with this discount, you may still want to compare rates to ensure the best deal. Drivers may still find a better deal by splitting coverages up.
  • Bad driving skills means higher rates – Careful drivers tend to pay less for car insurance than people who have multiple driving citations. Only having one moving violation can boost insurance rates by as much as thirty percent. If you have severe violations like reckless driving, hit and run or driving under the influence may find they need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to drive a vehicle legally.
  • Special features that cut premiums – Owning a car that has an advanced theft prevention system can help bring down rates. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent your car from being stolen.
  • Occupation reflects on rates – Occupations such as doctors, social workers and accountants tend to have higher rates than average because of high stress and lengthy work days. On the flip side, occupations such as pilots, athletes and retirees receive lower rates on Escort insurance.

How do I know if I need professional advice?

When choosing proper insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is a little different.

Here are some questions about coverages that might help in determining whether you would benefit from professional advice.

  • Is pleasure use cheaper than using my 2001 Ford Escort to commute?
  • Will I lose any money if I cancel my policy before it expires?
  • When should I not file a claim?
  • Does coverage extend to a rental car in a foreign country?
  • What is UM/UIM insurance?
  • Does my policy cover my teen driver if they drive my company car?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Don’t listen to company ads

Consumers can’t get away from ads that promise big savings by State Farm, Allstate and Geico. All the ads make the same claim about savings if you switch to their company.

How do they all make the same claim?

Insurance companies are able to cherry pick for the right customer they prefer to insure. An example of a profitable customer could be between 30 and 50, a clean driving record, and drives newer vehicles. A customer who fits that profile will get very good rates and as a result will probably save when switching.

Consumers who don’t measure up to these standards will be charged more money and this can result in business not being written. The ads say “customers who switch” but not “drivers who get quotes” save money. That is how companies can advertise the savings. That is why drivers must quote coverage with many companies. Because you never know which company will have the lowest Ford Escort insurance rates.

Insurance coverage options for a 2001 Ford Escort

Knowing the specifics of your insurance policy helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Liability coverage

Liability coverage can cover injuries or damage you cause to other’s property or people in an accident. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims such as legal defense fees, loss of income, medical services, repair bills for other people’s vehicles and attorney fees. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like theft, a broken windshield, hail damage, hitting a deer and vandalism. The highest amount a 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 not worth carrying full coverage.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Auto collision coverage

Collision insurance pays for damage to your Escort from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as damaging your car on a curb, scraping a guard rail, backing into a parked car and rolling your car. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for bills for prosthetic devices, surgery and nursing services. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Knowledge is power

Drivers switch companies for many reasons like extreme rates for teen drivers, not issuing a premium refund, high rates after DUI convictions or even denial of a claim. It doesn’t matter why you want to switch choosing a new company is pretty simple and you could end up saving a buck or two.

Affordable 2001 Ford Escort insurance can be bought on the web and with local insurance agents, and you should be comparing both to have the best chance of lowering rates. A few companies do not offer online quoting and many times these small, regional companies only sell through independent insurance agents.

In this article, we presented a lot of information how to reduce insurance prices online. It’s most important to understand that the more companies you get rates for, the higher the chance of saving money. You may be surprised to find that the most savings is with a smaller regional carrier.

Even more information is located by following these links: