Save on 1994 Ford Escort Car Insurance Rates

Did you make the mistake of buying high-priced car insurance? You’re preaching to the choir because there are a lot of people just like you who feel imprisoned by their car insurance policy. Drivers have many insurers to insure vehicles with, and although it’s a good thing to have a selection, lots of choices makes it harder to compare rates and cut insurance costs.

How much is auto insurance?

The majority of larger companies allow you to get coverage price quotes on their websites. Doing online quotes is very simple as all you need to do is type in the coverages you want into a form. After you submit the form the company’s rating system collects your driving and credit reports and provides a quote based on these factors. Online price estimates makes it a lot easier to compare rates but having to visit multiple sites and type in the same information is not the best way to spend an afternoon. But it’s very important to compare as many rates as possible if you want to get better prices.

There is a better way!

A better way to lower your rates utilizes a single form that obtains quotes from multiple companies. It saves time, requires less work, and makes comparison shopping much easier to do. After sending your information, it gets priced and you are able to buy any or none of the returned quotes.

If the quotes result in lower rates, you can click and sign and purchase the new policy. It takes 15 minutes at the most and may result in a nice savings.

To quickly find out how much you’re overpaying now, click here to open in new window and complete the simple form. If you currently have coverage, we recommend you duplicate coverages and limits exactly as shown on your declarations page. This guarantees you will get a rate comparison for similar coverage.

Insurance ads bend the truth

Consumers can’t get away from all the ads for cheaper insurance from the likes of State Farm, Allstate and Geico. All the ads state the claim that people will save if you just switch your coverage.

How can each company have lower policy pricing? You have to listen carefully.

All companies have a certain “appetite” for a prospective insured they prefer to insure. An example of a profitable customer might be over age 30, has no tickets, and drives less than 10,000 miles a year. A customer who fits that profile will probably get cheap prices as well as save some money.

Insureds who are not a match for the ideal profile must pay higher premium rates with the end result being the customer buying from someone else. The trick companies use is to say “drivers who switch” not “all people who quote” save that much. That’s why companies can truthfully advertise the savings.

This really illustrates why drivers must compare many company’s car insurance rates. It is impossible to guess which company will have the best rates.

Get cheap rates with discounts

Car insurance companies don’t always advertise every discount very well, so the following list contains a few of the more well known as well as the least known credits available to bring down your rates. If you aren’t receiving every discount you deserve, you could be getting lower rates.

  • Service Members Pay Less – Being deployed with a military unit could be rewarded with lower insurance rates.
  • Pay Early and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can avoid the installment charge.
  • Smart Student Discounts – Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
  • Distant Student Discount – Children who are enrolled in higher education away from home and do not have access to a covered vehicle may qualify for this discount.
  • Bundle and Save – When you combine your home and auto insurance and place coverage with the same company they may give you a discount of over 10 percent off each policy depending on the company.
  • Theft Prevention System – Cars, trucks, and SUVs optioned with advanced anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your car insurance quote.

As is typical with insurance, some of the credits will not apply the the whole policy. Most only cut specific coverage prices like liability, collision or medical payments. Even though it may seem like you could get a free insurance policy, you won’t be that lucky. But any discount will cut the cost of coverage.

Popular insurance companies and some of the discounts include:

  • State Farm may have discounts that include safe vehicle, Drive Safe & Save, accident-free, good driver, and multiple autos.
  • Progressive policyholders can earn discounts including multi-vehicle, online signing, multi-policy, good student, online quote discount, homeowner, and continuous coverage.
  • Progressive has savings for multi-vehicle, multi-policy, homeowner, online signing, online quote discount, good student, and continuous coverage.
  • MetLife may offer discounts for defensive driver, good driver, multi-policy, accident-free, and claim-free.
  • Farm Bureau offers discounts for safe driver, renewal discount, good student, youthful driver, and 55 and retired.
  • Geico has discounts for seat belt use, five-year accident-free, multi-policy, anti-theft, and defensive driver.
  • SAFECO offers discounts including bundle discounts, homeowner, safe driver, teen safe driver, teen safety rewards, accident prevention training, and anti-theft.

It’s a good idea to ask all companies you are considering which credits you are entitled to. Some credits might not be offered in your area. To view providers that offer the discounts shown above, follow this link.

What is the best auto insurance coverage?

When buying the best auto insurance coverage for your vehicles, there is no single plan that fits everyone. Every situation is different so your insurance needs to address that. These are some specific questions might help in determining whether your personal situation would benefit from an agent’s advice.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is my state a no-fault state?
  • Am I covered if my car is in a flood?
  • Am I missing any policy discounts?
  • Exactly who is provided coverage by my policy?
  • Will my rates increase for filing one claim?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can help protect your family.

Car insurance policy coverages for a 1994 Ford Escort

Knowing the specifics of a car insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverages found on most car insurance policies.

Coverage for collisions

This coverage covers damage to your Escort caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as crashing into a ditch, driving through your garage door and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Liability coverage

This coverage protects you from damage that occurs to people or other property in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims such as loss of income, attorney fees, medical expenses and structural damage. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Comprehensive coverages

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hitting a deer, a broken windshield, vandalism, a tree branch falling on your vehicle and damage from getting keyed. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these coverages are set the same as your liablity limits.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for nursing services, funeral costs and surgery. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. They cover all vehicle occupants and also covers being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Keep this in mind

When trying to cut insurance costs, you should never skimp on coverage in order to save money. In many instances, someone dropped physical damage coverage and learned later they didn’t purchase enough coverage. Your goal is to buy the best coverage you can find for the lowest price while not skimping on critical coverages.

We just covered a lot of information how to compare 1994 Ford Escort insurance car insurance rates online. The key thing to remember is the more quotes you get, the higher your chance of finding inexpensive car insurance. You may even find the lowest car insurance rates come from a small mutual company. These smaller insurers may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm or Progressive.

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