1996 Ford Escort Insurance Rates

Finding the cheapest insurance for a Ford Escort can normally be difficult, but you can follow the following methods to save time.

There is a right way and a wrong way to buy auto insurance and we’ll show you the quickest way to price shop coverage on a Ford and obtain the lowest possible price.

Find hidden discounts on insurance coverage

Insurance coverage can be pricey, but discounts can save money and there are some available that many people don’t even know exist. Some discounts will apply at quote time, but some discounts are required to be specifically requested before you get the savings.

  • ABS Brakes – Cars and trucks with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
  • Good Student Discount – A discount for being a good student can save 20 to 25%. Many companies even apply the discount to college students until age 25.
  • Cautious Driver Discount – Safe drivers can save up to 40% or more on their insurance quote for Escort coverage as compared to drivers with claims.
  • Homeowners Pay Less – Just owning your own home can help you save on insurance coverage since home ownership demonstrates responsibility.
  • Defensive Driver Discounts – Passing a driver safety course could cut 5% off your bill and easily pay for the cost of the class.
  • More Vehicles More Savings – Having multiple cars with the same company can get a discount on all vehicles.

Please keep in mind that some of the credits will not apply to the entire policy premium. Most only cut specific coverage prices like comprehensive or collision. So when it seems like it’s possible to get free car insurance, it doesn’t quite work that way.

Some of the larger companies that may offer these benefits include:

If you need lower rates, check with every company how many discounts you can get. Some discounts might not be offered on policies in your area.

Compare free insurance rate quotes

Finding a lower price on 1996 Ford Escort insurance is not a difficult process. You just have to invest a little time comparing rates from different insurance companies. This can be done by following the guidelines below.

The simplest way to find low rates is to use a rate comparison form click here to open form in new window. This method keeps you from doing repetitive form submissions for each price estimate. One simple form will get you rate comparisons from multiple companies. This is perfect if you don’t have a lot of time.

A less efficient way to analyze rates is to manually visit the website for every company you want to comare to complete a price quote. For example, let’s say you want to compare rates from Liberty Mutual, Progressive and State Farm. You would need to take the time to go to each site to enter your coverage information, and that explains why we recommend the first method. To view a list of companies in your area, click here.

Whichever way you use, be sure to compare nearly identical coverage information with each company. If each company quotes different values for each quote it will be next to impossible to determine the best price for your Ford Escort.

Tailor your auto insurance coverage to you

When it comes to buying the best auto insurance coverage for your personal vehicles, there is no one size fits all plan. Everyone’s situation is a little different.

For example, these questions could help you determine if you might need professional guidance.

  • Why am I required to buy high-risk coverage?
  • Does my liability insurance cover pulling a trailer or camper?
  • Do I need higher collision deductibles?
  • Does my 1996 Ford Escort need full coverage?
  • Am I covered if I wreck a rental car?
  • What is the minimum liability in my state?
  • Is rental equipment covered for theft or damage?
  • When should my teen driver be added to my policy?
  • Who is covered by my policy?
  • Should I drop comprehensive coverage on older vehicles?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form. It’s fast, free and can provide invaluable advice.

Auto insurance coverages and their meanings

Having a good grasp of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Auto liability insurance

This will cover damage or injury you incur to people or other property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability 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 that pays claims from the same limit without having the split limit caps.

Liability coverage protects against things like emergency aid, court costs and medical expenses. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these coverages are similar to your liability insurance amounts.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like rehabilitation expenses, doctor visits and pain medications. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Collision insurance

Collision insurance pays for 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 insurance covers things like hitting a mailbox, sideswiping another vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive coverage

This covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hail damage, hitting a bird and a broken windshield. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

One last thing about your coverage

People who switch companies do it for any number of reasons including lack of trust in their agent, delays in responding to claim requests, denial of a claim and high rates after DUI convictions. Regardless of your reason for switching companies, switching car insurance companies is easier than you think.

When buying insurance coverage, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are a lot of situations where consumers will sacrifice full coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to buy a smart amount of coverage for the lowest cost, but do not sacrifice coverage to save money.

Cheaper car insurance can be bought both online in addition to local insurance agencies, so get free insurance quotes from both of them in order to have the best chance of saving money. There are still a few companies who don’t offer internet price quotes and most of the time these small insurance companies only sell coverage through independent agents.

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