Save on 1993 Ford Escort Insurance Quotes

Looking for cheaper car insurance rates for your Ford Escort? There isn’t a single person who looks forward to buying car insurance, in particular when they are paying too much. Numerous insurance companies battle for your business, so it can be very hard to choose a insurance company and uncover the absolute lowest rate possible.

If you are insured now or are shopping for new coverage, you will benefit by learning to reduce the price you pay and still get good coverage. Finding affordable coverage is easy if you know what you’re doing. Drivers just need to learn the tricks to compare prices over the internet.

Get affordable auto insurance with discounts

Companies that sell car insurance don’t necessarily list every policy discount in a way that’s easy to find, so below is a list a few of the more well known as well as some of the hidden savings tricks you should be using when you buy auto insurance online.

  • Telematics Devices – Drivers who agree to allow their company to monitor driving manner through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks if their driving habits are good.
  • Bundle and Save – If you combine your auto and homeowners policies and insure them both with the same insurance company you could save over 10 percent off each policy depending on the company.
  • Driver Education Discount – Require your teen driver to enroll and complete driver’s education if offered at their school.
  • New Vehicle Savings – Insuring a new car can be considerably cheaper since newer models have better safety ratings.
  • Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying in monthly installments you could save 5% or more.
  • Senior Citizen Rates – Drivers that qualify as senior citizens could receive a slight reduction on a auto insurance quote on Escort insurance.
  • College Student – Youth drivers who live away from home to go to college and do not have a car can receive lower rates.

It’s important to note that most discount credits are not given to the entire cost. Most only cut the price of certain insurance coverages like comp or med pay. Despite the fact that it seems like adding up those discounts means a free policy, it’s just not the way it works. Any amount of discount will reduce the premium cost.

Companies and their possible discounts are included below.

  • Progressive has savings for good student, multi-vehicle, online signing, homeowner, continuous coverage, and online quote discount.
  • Farmers Insurance may have discounts that include bundle discounts, good student, multi-car, switch companies, distant student, and youthful driver.
  • Farm Bureau may include discounts for multi-policy, driver training, good student, youthful driver, safe driver, and multi-vehicle.
  • State Farm includes discounts for Drive Safe & Save, Steer Clear safe driver discount, defensive driving training, student away at school, driver’s education, multiple policy, and accident-free.
  • Geico offers premium reductions for seat belt use, five-year accident-free, good student, multi-policy, federal employee, driver training, and daytime running lights.
  • SAFECO policyholders can earn discounts including bundle discounts, anti-lock brakes, safe driver, multi-car, homeowner, and teen safety rewards.
  • Liberty Mutual has discounts for new graduate, hybrid vehicle, multi-car, safety features, and teen driver discount.

It’s a good idea to ask every company which discounts can lower your rates. Some of the earlier mentioned discounts might not be offered in your state. For a list of companies who offer auto insurance discounts, click this link.

Get more affordable insurance rates by understanding these factors

Lots of things are taken into consideration when quoting car insurance. Some factors are common sense like your driving record, although some other factors are less apparent such as your credit history and annual miles driven.An important part of buying insurance is that you know a few of the rating criteria that play a part in calculating your premiums. If you understand what positively or negatively impacts your premiums, this helps enable you to make changes that may result in lower insurance prices.

The list below includes some of the items used by companies to determine your rates.

  • Prices for males may be higher – Over time, data shows that females take fewer risks when driving. That doesn’t necessarily mean that men are WORSE drivers than women. Males and females have auto accidents at about the same rate, but males tend to have more serious accidents. Men also statistically get ticketed for serious violations such as reckless driving. Youthful male drivers tend to get in the most accidents and are penalized with high insurance rates.
  • Safer vehicles lower prices – Vehicles with high crash test scores can get you lower premiums. Highly rated vehicles reduce injuries and reduced instances of injuries means less claims paid which can result in lower premiums.
  • Too many claims drive up prices – If you’re an insured who likes to file claims you can expect either policy cancellation or increased premiums. Companies award lower rates to policyholders who are not frequent claim filers. Your insurance policy is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Liability limits are a factor – Liability insurance kicks in if you are found to be at fault for causing damage or personal injury in an accident. Your policy’s liability insurance provides legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not skimp.
  • More stress means more cost – Did you know your occupation can influence how much you pay for insurance? Jobs such as doctorsair traffic controllers and accountants usually pay the highest rates because of high stress and long work days. On the flip side, careers such as professors, athletes and performers pay the least on Escort insurance.
  • Rates can drop if you have more than one policy – Some companies afford better rates to policyholders who have multiple policies with them, otherwise known as a multi-policy discount. Even if you qualify for this discount already, it’s still a good idea to shop around to ensure the best deal. You may still be able to save money even if you have your coverage with different companies

Tailor your car insurance coverage to you

When buying adequate coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique and your policy should reflect that. For example, these questions may help you determine whether you will benefit from professional help.

  • Does my 1993 Ford Escort need full coverage?
  • Does my policy cover me when driving someone else’s vehicle?
  • Should I waive the damage coverage when renting a car?
  • Is business equipment covered while in my vehicle?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Am I getting all the discounts available?
  • Is my teenager covered with friends in the car?
  • Do I need more liability coverage?
  • Will I be non-renewed for getting a DUI or other conviction?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Advertising and insurance coverage

Consumers can’t escape the ads that promise big savings for switching by companies like Progressive, Allstate and Geico. They all make an identical promise that people will save if you move your policy.

How can each company offer you a better deal? It’s all in the wording.

Insurance coverage companies provide the lowest rates for the type of driver that is profitable for them. An example of a preferred risk may need to be over the age of 50, has no prior claims, and the vehicle is rated for pleasure use. Any driver who matches those parameters may get the lowest premium rates and will probably save money with a new company.

Consumers who are not a match for the requirements will probably be forced to pay a higher rate with the end result being business going elsewhere. If you pay attention, the ads say “drivers who switch” but not “everyone who gets a quote” save that much when switching. That’s the way insurance companies can advertise the way they do.

This really drives home the point why you need to get a wide range of price quotes. Because you cannot predict the company that will be your best fit.

Auto insurance coverage breakdown

Understanding the coverages of your policy can help you determine which coverages you need and proper limits and deductibles. Auto insurance terms can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverages found on the average auto insurance policy.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like prosthetic devices, pain medications, chiropractic care and nursing services. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage – This 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 damage to your Ford Escort.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Normally the UM/UIM limits are similar to your liability insurance amounts.

Liability auto insurance – This coverage provides protection from damage that occurs to a person or their property in an accident. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as funeral expenses, attorney fees, repair bills for other people’s vehicles and bail bonds. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Comprehensive auto coverage – This pays to fix your vehicle from 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 pays for things such as hitting a deer, falling objects and theft. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision – This coverage will pay to fix damage to your Escort resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as hitting a parking meter, rolling your car, colliding with another moving vehicle, sideswiping another vehicle and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Be a penny pincher

We’ve covered a lot of tips how to reduce 1993 Ford Escort insurance prices online. The key thing to remember is the more you quote auto insurance, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with a smaller regional carrier. Smaller companies may have significantly lower rates on certain market segments than the large multi-state companies such as Allstate or State Farm.

As you prepare to switch companies, never sacrifice coverage to reduce premiums. There are many occasions where an insured dropped physical damage coverage and found out when filing a claim they didn’t have enough coverage. The ultimate goal is to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

Cost effective 1993 Ford Escort insurance is attainable both online as well as from independent agents, so get free auto insurance quotes from both of them so you have a total pricing picture. Some insurance companies do not offer the ability to get a quote online and usually these regional insurance providers only sell through independent agencies.

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