Compare 2000 Ford Escort Car Insurance Rates

Shopping for affordable insurance over the internet is somewhat intimidating for drivers not familiar with comparing and buying insurance on the internet. With more and more online companies, how can anyone even start to compare every insurance company to find the best available price?

Choosing the best insurance company for you is quite easy. Basically, every vehicle owner who is shopping for insurance will be able to lower their premiums. But drivers benefit from understanding the way insurance companies market on the web and take advantage of how the system works.

Quote car insurance online

When comparison shopping, there are several ways of comparing rate quotes from many different insurance companies. One of the best ways to comparison shop is to jump online and get quotes. It is quite easy and can be accomplished using a couple different methods.

  1. The easiest and least time consuming way to get the best comparison quotes is a comparison rater form (click to open form in new window). This quick form eliminates the need for repetitive form entry for each price estimate. In just a few minutes this one form will get you rate comparisons from multiple low-cost companies.It’s the quickest way to get rates.
  2. A less efficient way to find lower rates consists of visiting the website for every company you want to comare and request a quote. For examples sake, we’ll pretend you want to compare prices for Progressive, Allstate and Travelers. In order to get each rate, you would have to spend time going to each site individually and enter your policy data, which is why the first method is quicker.

    For a list of companies in your area, click here.

  3. The most difficult method to find lower rates is to spend your day driving to each insurance agency near you. The ability to get quotes online can eliminate the need for a local agent unless you want the extra assistance that only a licensed agent can provide. You can, however, compare online quotes but buy the policy through an agent.

The approach you take is up to you, just make sure you use nearly identical coverages on every price quote you get. If you have different coverage information it will be nearly impossible to determine the best price for your Ford Escort. Just a small difference in insurance coverages could skew the results. Keep in mind that getting more free quotes helps improve the odds of finding the best price. Some companies don’t provide online price quotes, so it’s recommended that you also compare quotes from them, too.

Learn how to lower your insurance prices

When buying auto insurance it’s important to understand the rating factors that come into play when calculating the rates you pay for auto insurance. When you know what positively or negatively determines base rates, this helps enable you to make changes that could help you find much lower annual insurance costs. Lots of factors are considered when quoting car insurance. Most are fairly basic like an MVR report, although others are less obvious such as your credit history or how safe your car is.

The factors shown below are some of the factors companies use to determine rates.

  • Do you know you’re credit history? – Your credit rating can be a huge factor in determining what you pay. If your credit rating could use some work, you may save money insuring your 2000 Ford Escort by repairing your credit. People that have very high credit ratings tend to be better drivers and file fewer claims than those with bad credit.
  • Reserve claims for larger damages – If you tend to file frequent claims, you can expect higher premiums or even policy non-renewal. Car insurance companies give better rates to people who do not file claims often. Insurance coverage is designed for claims that pose a financial burden.
  • Do you qualify for a multi-policy discount? – Most larger companies will award better rates to buyers that purchase more than one policy such as combining an auto and homeowners policy. Discounts can add up to ten or even fifteen percent. Even if you already get this discount, drivers will still want to check prices from other companies to help ensure you have the lowest rates. Drivers may still save even more by buying from different companies
  • Where you call home plays a part – Choosing to live in less populated areas can be a good thing if you are looking for the lowest rates. Fewer drivers corresponds to lower accident rates and also fewer theft and vandalism claims. People who live in big cities have traffic congestion and higher rates of accident claims. Spending more time driving means higher likelihood of an accident.
  • Your liability protection limits – Liability insurance will provide protection in the event that you are found liable for personal injury or accident damage. It will provide for a legal defense which can cost a lot. This coverage is relatively inexpensive when compared to the cost of physical damage coverage, so drivers should carry high limits.
  • Annual mileage impacts costs – The higher the mileage driven annually the higher your rate. Most companies charge rates based upon how much you drive. Cars that have low annual miles cost less to insure than vehicles that are driven to work every day. It’s a smart idea to ensure your policy reflects the correct usage for each vehicle. A policy that improperly rates your Escort is throwing money out the window.

Verify you’re receiving every discount

The price of auto insurance can be rather high, but you might find some hidden discounts that many consumers don’t even know exist. A few discounts will automatically apply at quote time, but some must be specifically requested before you will receive the discount.

  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can receive discounts up to 30%.
  • No Claims – Drivers who don’t have accidents can save substantially compared to insureds who have frequent claims or accidents.
  • Pay Now and Pay Less – By making one initial payment rather than paying monthly you could save 5% or more.
  • Organization Discounts – Participating in a civic or occupational organization may earn a discount when shopping for car insurance.
  • Drivers Education – Require your teen driver to successfully complete driver’s ed class in high school.
  • Discount for Life Insurance – Companies who offer life insurance give a discounted car insurance rate on car insurance if you buy life insurance.
  • Senior Citizen Discount – Mature drivers may qualify for a small decrease in premiums for Escort insurance.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.
  • Discount for Multiple Policies – If you have multiple policies with one insurance company you will save over 10 percent off each policy depending on the company.
  • Telematics Devices – Drivers who elect to allow their company to look at driving patterns by using a telematics device such as Progressive’s Snapshot might see lower rates as long as the data is positive.

Discounts save money, but please remember that most discounts do not apply to the entire cost. Most only reduce the cost of specific coverages such as collision or personal injury protection. Even though it appears you can get free auto insurance, you aren’t that lucky.

Large car insurance companies and their offered discounts are shown below.

  • Mercury Insurance discounts include type of vehicle, professional/association, low natural disaster claims, ease of repair, and multi-car.
  • Farmers Insurance may offer discounts for early shopping, mature driver, distant student, switch companies, multi-car, alternative fuel, and bundle discounts.
  • Farm Bureau offers discounts for safe driver, renewal discount, multi-policy, multi-vehicle, youthful driver, and driver training.
  • State Farm offers premium reductions for student away at school, good driver, good student, driver’s education, and multiple autos.
  • Allstate policyholders can earn discounts including defensive driver, FullPay discount, farm vehicle, economy car, resident student, auto/life discount, and new car.
  • Geico has discounts for air bags, multi-policy, military active duty, defensive driver, anti-theft, and anti-lock brakes.

If you want cheap insurance quotes, ask every prospective company which discounts can lower your rates. Depending on the company, some discounts may not apply to policies in your area. If you would like to see a list of providers with the best discounts, click here to view.

When should I discuss my situation with an agent?

When it comes to buying proper insurance coverage for your personal vehicles, there is no one size fits all plan. Coverage needs to be tailored to your specific needs.

For example, these questions can aid in determining whether your personal situation may require specific advice.

  • Do I really need UM/UIM coverage?
  • How can I force my company to pay a claim?
  • Do I need added coverage for expensive stereo equipment?
  • How much can I save by bundling my policies?
  • Am I covered if I hit a deer?
  • How do I file an SR-22 for a DUI in my state?
  • How can I get my company to pay me more for my totalled car?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Does my liability insurance cover pulling a trailer or camper?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Car insurance coverage specifics

Having a good grasp of your policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Ford Escort.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for doctor visits, funeral costs, pain medications and surgery. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Liability coverage

This coverage protects you from injuries or damage you cause to people or other property in an accident. It protects you against claims from other people, and doesn’t cover 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 limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things such as medical services, emergency aid and attorney fees. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive coverages

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as hail damage, rock chips in glass, hitting a deer and a broken windshield. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision insurance

This coverage pays for damage to your Escort from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like rolling your car, colliding with another moving vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

More effort can pay off

When buying insurance coverage, never skimp on coverage in order to save money. There are too many instances where an accident victim reduced liability coverage limits only to regret that they should have had better coverage. The goal is to buy the best coverage you can find at the best cost while still protecting your assets.

Some insurance companies don’t offer online quoting and most of the time these small, regional companies sell through local independent agencies. Cheaper 2000 Ford Escort insurance can be sourced from both online companies in addition to many insurance agents, and you should compare price quotes from both to have the best selection.

We’ve covered many ways to save on 2000 Ford Escort insurance. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. Consumers could even find that the lowest priced insurance comes from an unexpected company.

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