Cheap 1999 Ford Escort Insurance Quotes

Wish you could get out of overpriced auto insurance? You’re in good company because many consumers are feeling buyer’s remorse and feel like there’s no way out. Big companies like State Farm, Farmers Insurance, Geico and Allstate persitently shower you with ads and consumers find it hard to see past the corporate glitz and do the work needed to find the best deal.

Are you getting every discount?

Companies offering auto insurance don’t always publicize the entire discount list very clearly, so the next list breaks down some of the best known as well as the least known savings tricks you should be using when you buy auto insurance online.

Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class as it can save substantially.
Low Mileage Discounts – Driving less may allow you to get slightly better prices than normal.
Multiple Policy Discount – If you insure your home and vehicles and place coverage with the same company you may earn at least 10 to 15 percent or more.
Clubs and Organizations – Being a member of a professional or civic organization could earn you a nice discount on your policy.
Employee of Federal Government – Federal government employees can save as much as 8% on Escort coverage but check with your company.
Active Military Service – Being on active duty in the military could qualify you for better prices.
ABS Brakes – Cars and trucks with ABS and/or traction control prevent accidents and will save you 10% or more.
More Vehicles More Savings – Buying a policy with multiple cars with the same car insurance company could earn a price break for each car.
Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to use their safety belts can save up to 15% off the personal injury premium cost.

As a sidenote, most credits do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like having all the discounts means you get insurance for free, it’s just not the way it works. Any amount of discount should definitely cut the cost of coverage.

A few popular companies and some of the premium reductions they offer are detailed below.

The Hartford has discounts for vehicle fuel type, air bag, bundle, good student, and anti-theft.
American Family offers discounts for air bags, early bird, Steer into Savings, accident-free, TimeAway discount, and mySafetyValet.
Progressive offers premium reductions for multi-policy, multi-vehicle, online signing, online quote discount, homeowner, good student, and continuous coverage.
Travelers may offer discounts for multi-car, driver training, hybrid/electric vehicle, multi-policy, early quote, and home ownership.
Farmers Insurance offers discounts including electronic funds transfer, business and professional, mature driver, youthful driver, switch companies, and alternative fuel.
USAA may have discounts that include annual mileage, driver training, family discount, safe driver, vehicle storage, and good student.
Liberty Mutual discounts include good student, hybrid vehicle, teen driver discount, new graduate, new vehicle discount, newly retired, and safety features.

When getting free auto insurance quotes, it’s a good idea to every company the best way to save money. Discounts may not apply to policyholders in your state. To find car insurance companies with the best discounts, click here.

The method we recommend to compare rate quotes is to know the fact most insurance companies provide online access to give rate comparisons. To get started, all you need to do is provide details like your credit rating estimate, if you have a valid license, if the car is leased, and your job. The data is instantly provided to many different companies and they return cost estimate instantly.

To check rates for your 1999 Ford Escort now, click here and enter your coverage details.

How insurers determine Ford Escort insurance rates

Multiple criteria are considered when you quote your car insurance policy. Some factors are common sense like an MVR report, but others are not as apparent such as your marital status or how financially stable you are.

Safer cars lower rates – Vehicles that have high safety ratings are cheaper to insure. The safest vehicles reduce injuries and fewer injuries means lower claim amounts which can mean better rates for you.
Higher prices for specific employers – Did you know that where you work can have an impact on rates? Careers like doctors, social workers and miners tend to have higher premiums than the average policyholder due to high stress levels and lots of time spent away from family. Conversely, careers like farmers, historians and the unemployed pay the least on Escort coverage.
Insurance costs and driver gender – Over the last 30 years, statistics show women tend to be less risk to insure than men. However, don’t assume that males are worse at driving than females. They both tend to get into accidents in similar numbers, but males have costlier accidents. Men also get ticketed for serious violations such as DWI and reckless driving. Male drivers age 16 to 19 have the highest risk to insure and therefore are the most expensive to insure.
Prevent insurance coverage policy lapses – Allowing your coverage to lapse will be a fast way to pay more for insurance coverage. Not only will you pay higher rates, being ticketed for driving with no insurance may earn you a hefty fine and possibly a revoked license.

When in doubt talk to an agent

When it comes to buying proper insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Every situation is different and a cookie cutter policy won’t apply. For example, these questions might help in determining whether you would benefit from professional advice.

I have good health insurance, so how much medical payments coverage do I need?
Is upholstery damage covered by car insurance?
Is my cargo covered for damage or theft?
When would I need rental car insurance?
What is UM/UIM insurance?
How can I get high-risk coverage after a DUI?
If I drive on a suspended license am I covered?
When can I cancel my policy?
Should I rate my 1999 Ford Escort as pleasure use or commute?
Does my insurance cover my expensive audio equipment?

If you’re not sure about those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Auto insurance coverages explained

Knowing the specifics of your policy aids in choosing the right coverages and proper limits and deductibles. Auto insurance terms can be impossible to understand and coverage can change by endorsement. Listed below are typical coverage types found on most auto insurance policies.

Coverage for liability

Liability coverage can cover injuries or damage you cause to other’s property or people that is your fault. It protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims such as attorney fees, repair costs for stationary objects and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for 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 can pay for claims like hitting a bird, damage from a tornado or hurricane, theft and damage from getting keyed. The maximum payout your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Auto collision coverage

This coverage pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like sideswiping another vehicle, colliding with another moving vehicle and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also raise the deductible to bring the cost down.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as surgery, pain medications and rehabilitation expenses. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

And the best car insurance company is…

Some car insurance companies don’t offer the ability to get quotes online and many times these regional carriers only sell coverage through independent insurance agents. Cheap 1999 Ford Escort insurance can be purchased from both online companies and from local agencies, and you should compare rates from both to get a complete price analysis.

We covered a lot of tips how to compare 1999 Ford Escort insurance premium rates online. It’s most important to understand that the more providers you compare, the better your comparison will be. You may be surprised to find that the best price on car insurance is with a small local company. Smaller companies can often provide lower prices in certain areas as compared to the big name companies such as Allstate, Geico and Progressive.