Cheaper 2003 Ford Escort Car Insurance Quotes

Trying to find the cheapest car insurance rates for your Ford Escort? Tired of trying to scrape together enough money each month for car insurance? You are in the same boat as millions of other consumers. You have multiple auto insurance companies to purchase coverage from, and although it’s nice to have multiple companies, it makes it harder to compare rates and find the lowest cost car insurance.

Policy discounts you shouldn’t miss

Companies offering auto insurance don’t always publicize every available discount very well, so the following is a list of both well-publicized and also the lesser-known car insurance savings. If you don’t get every credit you qualify for, you’re paying more than you need to.

  • Bundle and Save – When you have multiple policies with one insurance company you could get a discount of up to 20% off your total premium.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more off your PIP or medical payments premium.
  • E-sign – Certain companies will give a small break simply for signing digitally online.
  • Federal Employees – Active or retired federal employment may qualify you for a discount for Escort insurance depending on your company.
  • Life Insurance – Select insurance companies reward you with a break if you buy a life insurance policy as well.
  • Service Members Pay Less – Having a family member in the military could mean lower rates.
  • Club Memberships – Belonging to a qualifying organization could qualify you for a break on car insurance for Escort insurance.
  • Drive Safe and Save – Safe drivers may receive a discount up to 45% less for Escort insurance than less cautious drivers.

It’s important to understand that some of the credits will not apply the the whole policy. A few only apply to the price of certain insurance coverages like liability and collision coverage. Just because it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way.

For a list of insurers who offer car insurance discounts, follow this link.

Cheap Insurance Comparisons

Getting a cheaper price on 2003 Ford Escort insurance isn’t really that difficult. You just have to take the time to get quotes provided by online insurance companies. This can be done in several different ways.

  1. The recommended way consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This method keeps you from doing separate quotation requests to each individual insurance company. A single form will get you price quotes from insurance companies with the best prices.
  2. A less efficient way to get quotes online is to take the time to go to the website of each company to request a price quote. For examples sake, we’ll assume you want to compare rates from State Farm, Geico and Travelers. To get rate quotes you would need to take the time to go to each site to input your insurance information, which is why most consumers use the first method.

    For a list of links to insurance companies in your area, click here.

It doesn’t matter which method you choose, just be sure to compare identical coverage information on every quote. If each company quotes mixed coverages it’s impossible to truly determine the lowest rate.

Insurance agents can help

When choosing the right insurance coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions might point out if your insurance needs would benefit from an agent’s advice.

  • Am I covered if I crash into my own garage door?
  • If my pet gets injured in an accident are they covered?
  • Is my cargo covered for damage or theft?
  • Do I need medical payments coverage since I have good health insurance?
  • Should I waive the damage coverage when renting a car?
  • Where can I get insurance after a DUI in my state?
  • What if I owe more than I can insure my car for?
  • What should my uninsured motorist coverage limits be in my state?
  • Can I rent a car in Mexico?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.

Coverage specifics

Having a good grasp of your policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types offered by insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Ford Escort.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive auto coverage

This coverage will pay to fix 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 insurance covers claims such as damage from flooding, theft, a broken windshield, a tree branch falling on your vehicle and fire damage. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for rehabilitation expenses, hospital visits and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like backing into a parked car, sustaining damage from a pot hole and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Liability

Liability insurance will cover damages or injuries you inflict on a person or their property. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage protects against things such as medical expenses, emergency aid, attorney fees, medical services and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as much as you can afford.

A little work can save a LOT of money

Affordable 2003 Ford Escort insurance is attainable on the web and also from your neighborhood agents, and you should compare price quotes from both to get a complete price analysis. There are still a few companies who may not provide online quoting and many times these smaller companies only sell through independent insurance agents.

We just presented a lot of information how to get a better price on insurance. The key concept to understand is the more price quotes you have, the better likelihood of reducing your rate. You may even find the lowest rates come from some of the smallest insurance companies. These smaller insurers often have lower prices on specific markets compared to the large companies like State Farm, Geico and Nationwide.

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