1995 Ford Escort Insurance Cost – 10 Tips to Save

Trying to find better insurance rates? Buyers have many options when searching for the best price on Ford Escort insurance. You can either spend your time calling around to compare prices or utilize the internet to get rate quotes. There is a better way to shop for insurance so we’re going to tell you the proper way to get price quotes for a Ford and obtain the lowest possible price from local insurance agents and online providers.

If you have a current insurance coverage policy or are just looking to switch companies, you can use this information to shop for the lowest rates and still get good coverage. This information will tell you how to effectively get price quotes and some money-saving tips. Vehicle owners just need to know the most efficient way to compare rates over the internet.

Save a ton with these ten car insurance discounts

Not many people think insurance is cheap, but you might be missing out on some discounts that you may not know about. Certain reductions will be credited at the time of purchase, but some need to be specially asked for prior to getting the savings.

  • Early Payment Discounts – If paying your policy premium upfront as opposed to paying monthly you could save 5% or more.
  • 55 and Retired – Older drivers may qualify for better car insurance rates for Escort coverage.
  • Discount for Swiching Early – A few car insurance companies give discounts for switching to them prior to your current policy expiration. The savings is around 10%.
  • Professional Memberships – Belonging to a civic or occupational organization can get you a small discount on your next renewal.
  • Responsible Driver Discount – Insureds without accidents may receive a discount up to 45% for Escort coverage than drivers with accident claims.
  • Multi-line Discount – Some companies give a break if you buy a life insurance policy as well.
  • Distant Student – Kids who are attending college and leave their car at home may qualify for this discount.
  • Military Discounts – Having a deployed family member could mean lower rates.
  • Student Discount for Driver Training – Cut your cost by having your teen driver participate in a local driver’s education class if it’s offered in school.
  • Smart Student Discounts – A discount for being a good student can save 20 to 25%. This discount can apply well after school through age 25.

We need to note that many deductions do not apply to the overall cost of the policy. Most only cut individual premiums such as liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

A few of the larger companies and some of the discounts can be read below.

  • Travelers may offer discounts for continuous insurance, multi-car, save driver, new car, IntelliDrive, multi-policy, and home ownership.
  • 21st Century has savings for driver training, theft prevention, student driver, anti-lock brakes, teen driver, good student, and automatic seat belts.
  • State Farm may have discounts that include accident-free, Drive Safe & Save, multiple autos, defensive driving training, and student away at school.
  • Geico includes discounts for defensive driver, good student, anti-theft, emergency military deployment, and federal employee.
  • SAFECO offers premium reductions for teen safety rewards, bundle discounts, multi-car, accident prevention training, and safe driver.
  • AAA policyholders can earn discounts including good student, good driver, anti-theft, pay-in-full, and multi-car.

Check with all companies you are considering to apply every possible discount. Some discounts listed above might not be offered in your area. For a list of providers with discount rates, click here to view.

Auto insurance can get complicated

When buying coverage, there isn’t really a “best” method to buy coverage. Every insured’s situation is different.

For instance, these questions could help you determine whether you may require specific advice.

  • Is extra glass coverage worth it?
  • When should I buy a commercial auto policy?
  • Does my policy cover me when driving someone else’s vehicle?
  • How much liability do I need to cover my assets?
  • Am I missing any policy discounts?
  • When should I remove comp and collision on my 1995 Ford Escort?
  • Is other people’s property covered if stolen from my vehicle?
  • Are rental cars covered under my policy?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, complete this form. It is quick, free and may give you better protection.

Auto insurance policy coverages for a Ford Escort

Understanding the coverages of a auto insurance policy helps when choosing which coverages you need for your vehicles. Auto insurance terms can be confusing and coverage can change by endorsement.

Comprehensive protection

This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as theft, hitting a bird, damage from getting keyed and hail damage. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for collisions

Collision insurance covers damage to your Escort resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like colliding with a tree, backing into a parked car, crashing into a ditch and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Liability insurance

This protects you from damage or injury you incur to people or other property in an accident. This insurance protects YOU against other people’s claims. Liability doesn’t 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 might see limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims such as emergency aid, medical services, repair costs for stationary objects, bail bonds and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like prosthetic devices, pain medications, chiropractic care, dental work and nursing services. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Uninsured or underinsured coverage

This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family and also any damage incurred to your Ford Escort.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Shop around and save

We just covered quite a bit of information on how to compare 1995 Ford Escort insurance premium rates online. The most important thing to understand is the more times you quote, the better your comparison will be. You may be surprised to find that the lowest premium rates are with a smaller regional carrier.

People change insurance companies for a variety of reasons including delays in paying claims, lack of trust in their agent, not issuing a premium refund or denial of a claim. No matter why you want to switch, finding a new insurance company is not as hard as you think.

While you’re price shopping online, it’s a bad idea to sacrifice coverage to reduce premiums. Too many times, an accident victim reduced uninsured motorist or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. The proper strategy is to buy a smart amount of coverage at the best possible price, but don’t skip important coverages to save money.

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