Cheaper 2001 Ford Escort Insurance Rates

Trying to find cheaper car insurance rates for your Ford Escort? Finding the best price on car insurance can seem complicated if you are like most people and have never completed online price comparisons. But don’t be overwhelmed because comparing quotes is actually very simple.

It’s a good habit to check car insurance prices before your next renewal because insurance prices change regularly. Just because you had the lowest rates on Escort insurance at your last renewal other companies may now be cheaper. Don’t believe everything you read about car insurance on the internet, but you can learn a lot of great tips on how to find cheap car insurance.

The quickest method we recommend to compare car insurance company rates is to know most of the larger companies actually pay money for the chance to provide you with a free rate quote. The only thing you need to do is provide a small amount of information like an estimate of your credit level, if it has an anti-theft system, whether the vehicles are used for commuting, and whether you are single or married. Your rating data is submitted instantly to many highly-rated insurers and you get price estimates instantly.

To compare multiple company rates now, click here and find out if lower rates are available.

Auto insurance companies offer many discounts

Some providers don’t always publicize all possible discounts in a way that’s easy to find, so the next list breaks down both well-publicized in addition to some of the lesser obvious discounts you could be receiving when you buy insurance online.

  • New Vehicle Savings – Putting insurance on a new car can save up to 30% since new vehicles have better safety ratings.
  • Club Memberships – Participating in a qualifying organization may earn a discount when getting a insurance quote.
  • Discounts for Federal Employees – Simply working for the federal government can save as much as 8% on Escort insurance with some auto insurance companies.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of up to 25% or more.
  • No Claims – Claim-free drivers get the best auto insurance rates as opposed to accident-prone drivers.
  • Pay Upfront and Save – By paying your policy upfront rather than paying in monthly installments you could save up to 5%.
  • 55 and Retired – Older drivers could receive reduced rates on Escort insurance.

As a disclaimer on discounts, some credits don’t apply the the whole policy. Most only reduce the price of certain insurance coverages like medical payments or collision. Even though it may seem like all those discounts means the company will pay you, you’re out of luck.

A partial list of companies that possibly offer these discounts are:

Before buying, ask every prospective company to give you their best rates. Some discounts listed above might not apply in every state. If you would like to see a list of insurers who offer free auto insurance quotes, click here.

Do I just need basic coverages?

When it comes to buying coverage for your vehicles, there really is not a best way to insure your cars. Each situation is unique.

These are some specific questions may help you determine whether your personal situation could use an agent’s help.

  • What if I owe more than I can insure my car for?
  • Do I need an umbrella policy?
  • Can I afford to pay high deductible claims out of pocket?
  • Will my insurance pay for OEM parts?
  • Is my custom paint covered by insurance?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • How can I force my company to pay a claim?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.

How your Escort insurance costs are determined

Many things are part of the calculation when quoting car insurance. Most are fairly basic like a motor vehicle report, although others are less apparent such as your marital status or how financially stable you are.

Listed below are a few of the things used by companies to determine your rate level.

  • Never let your coverage expire – Letting your insurance expire will be a guaranteed way to trigger a rate increase. And not only will your rates increase, the inability to provide proof of insurance might get you a steep fine or even jail time. You may then have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Men tend to take more risk – Over the last 50 years, statistics have shown females are less aggressive when driving. This data doesn’t prove that females are better drivers. They both are responsible for at-fault accidents at a similar rate, but males tend to have more serious accidents. Not only are claims higher, but men get ticketed for serious violations like DUI and reckless driving.
  • More traffic means higher claims – Being located in less populated areas of the country is a good thing if you are looking for the lowest rates. People in densly populated areas regularly have more traffic problems and longer commute times. Less people living in that area translates into fewer accidents and lower theft and vandalism rates.
  • Avoid unnecessary add-on coverages – There are many optional add-on coverages that sound like a good idea at the time but may not be useful. Coverages like roadside assistance, death and dismemberment, and motor club memberships may be costing you every month. The coverages may be enticing at first, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.
  • Insurance coverage rates and age – Young drivers are statistically proven to be easily distracted when driving with friends and because of this, their insurance coverage rates are much higher. Having to add a youthful driver onto a policy can cause a big jump in price. Mature drivers are viewed as being more responsible, statistically cause fewer accidents and tend to be get fewer driving tickets.

Save $455 a year? Really?

Popular insurance providers such as Geico, State Farm and Progressive constantly bombard you with television, radio, and online ads. They all seem to advertise the message that drivers will save a bundle just by switching to their company. How do they all cost less than your current company? It’s all in the numbers.

Insurance companies give the best rates for the right customer that earns them the most money. An example of this type of driver could possibly be over age 30, has never had a claim, and drives newer vehicles. A driver that hits that “sweet spot” will get low prices and will most likely save quite a bit of money when switching.

Drivers who do not match this ideal profile will have to pay a more expensive rate with the end result being the driver buying from a lower-cost company. The wording the ads use say “customers who switch” not “everybody who quotes” save that much money. That’s why companies can truthfully make those claims. This really drives home the point why it is so important to get price quotes at each policy renewal. It is just not possible to predict with any certainty which company will have the best prices.

Car insurance coverage information

Learning about specific coverages of auto insurance can be of help when determining the best coverages for your vehicles. Auto insurance terms can be ambiguous and nobody wants to actually read their policy.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for nursing services, rehabilitation expenses, pain medications, chiropractic care and surgery. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

This coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries and damage to your Ford Escort.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive or Other Than Collision

This pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, damage from flooding, hitting a deer, falling objects and hitting a bird. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability auto insurance

Liability insurance will cover damage or injury you incur to people or other property that is your fault. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims like attorney fees, legal defense fees, medical services, loss of income and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Auto collision coverage

Collision coverage pays for damage to your Escort resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like hitting a parking meter, rolling your car, sideswiping another vehicle, sustaining damage from a pot hole and crashing into a building. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Be a smart shopper

As you go through the steps to switch your coverage, it’s very important that you do not reduce coverage to reduce premium. There are many occasions where consumers will sacrifice uninsured motorist or liability limits and found out when filing a claim they didn’t purchase enough coverage. Your aim should be to buy enough coverage at a price you can afford while still protecting your assets.

We just showed you a lot of tips how to save on 2001 Ford Escort insurance. The key concept to understand is the more times you quote, the higher your chance of finding low cost insurance. You may even discover the most savings is with a smaller regional carrier.

Cheaper 2001 Ford Escort insurance is possible on the web and also from your neighborhood agents, and you need to comparison shop both to have the best selection. Some companies don’t offer internet price quotes and many times these regional carriers provide coverage only through independent agents.

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