Compare 2002 Ford Escort Car Insurance Rates

Searching for better insurance prices for a new or used Ford Escort can normally be an all-consuming task, but you can learn our car insurance buying tips to save time. There are both good and bad ways to compare car insurance rates so we’re going to tell you the absolute fastest way to get price quotes for your Ford and locate the lowest price either online or from local insurance agents.

Consumers need to check car insurance prices once or twice a year because car insurance prices are usually higher with each renewal. If you had the best price on Escort insurance on your last policy a different company probably has better rate quotes today. Ignore everything you know about car insurance because you’re going to get a crash course in one of the best ways to properly buy coverages and cut your premium.

Compare quotes for car insurance

Most larger insurance companies such as Geico, State Farm and Progressive make it easy to get prices for coverage online. Doing online quotes is very simple because it’s just a matter of typing in the coverages you want as requested by the quote form. Once you submit the form, the quote system will obtain reports for credit and driving violations and generates pricing information based on these and other factors.

Quoting online simplifies rate comparisons, but the process of having to visit a lot of sites and fill out multiple forms can get tiresome after awhile. But it is imperative to do this in order to find better prices.

Rate comparisons made easy

A better way to find cheaper rates requires only one form that gets price quotes from more than one company. This type of form saves time, requires less work, and makes comparison shopping much simpler. Once the form is submitted, it is quoted and you can select your choice of the resulting price quotes. If you find a better price you can simply submit the application and buy the new coverage. The whole process takes less than 15 minutes and may save quite a bit of money.

In order to get comparison pricing now, click here to open in a new tab and begin entering your coverage information. If you have a policy now, it’s recommended you type in the coverage information identical to your current policy. Doing this guarantees you will be getting a fair comparison based on identical coverages.

Don’t listen to company ads

Drivers can’t escape the ads that claim the lowest rates from companies such as Geico, State Farm and Progressive. They all seem to tend to make the same promise that you’ll save big if you get a free car insurance quote and switch your policy.

How can each company offer drivers better rates? Here is how they do it.

Companies quote their cheapest rates for the type of customer that will add to their bottom line. For instance, a desirable risk might have to be between 30 and 50, has no driving citations, and the vehicle is rated for pleasure use. Any customer who matches those parameters is entitled to the best price and most likely will save quite a bit of money when switching.

Potential insureds who don’t meet the requirements will see a more expensive rate and this results in the customer not buying. The ads state “people who switch” not “all people who quote” can save as much as they claim. That’s the way companies can make claims like that. This illustrates why you need to quote coverage with many companies. It’s just too difficult to predict which insurance companies will give you the biggest savings.

Discount insurance rates

Some companies don’t necessarily list the entire discount list very clearly, so the below list has both well-publicized and the harder-to-find insurance savings.

  • Theft Deterent Discount – Anti-theft and alarm system equipped vehicles are stolen with less frequency so companies will give you a small discount.
  • Braking Control Discount – Cars and trucks equipped with ABS or steering control prevent accidents and the ABS can save up to 10%.
  • No Claims – Drivers who don’t have accidents get the best insurance rates compared to drivers with a long claim history.
  • Paperwork-free – A few insurance companies provide a small discount just for signing your application on your computer.
  • Active Military Service – Having a deployed family member may qualify for rate reductions.
  • New Vehicle Savings – Insuring a vehicle that is new is cheaper because newer vehicles are generally safer.
  • Early Payment Discounts – If you can afford to pay the entire bill rather than spreading payments over time you can actually save on your bill.
  • Multi-line Discount – Insurance companies who offer life insurance give a break if you buy some life insurance too.

Please keep in mind that most credits do not apply to the overall cost of the policy. Some only apply to specific coverage prices like liability and collision coverage. So even though it sounds like you would end up receiving a 100% discount, nobody gets a free ride.

A list of companies and the discounts they provide are included below.

  • American Family may include discounts for bundled insurance, multi-vehicle, good driver, mySafetyValet, defensive driver, and Steer into Savings.
  • State Farm discounts include Steer Clear safe driver discount, passive restraint, multiple policy, defensive driving training, and good driver.
  • 21st Century may offer discounts for student driver, 55 and older, homeowners, anti-lock brakes, air bags, and theft prevention.
  • Travelers may have discounts that include save driver, driver training, early quote, student away at school, multi-car, IntelliDrive, and home ownership.
  • Geico policyholders can earn discounts including seat belt use, emergency military deployment, defensive driver, membership and employees, multi-policy, federal employee, and daytime running lights.

Check with each insurance company to apply every possible discount. Some discounts may not apply to policyholders in your area. If you would like to see a list of insurers with the best insurance discounts, click this link.

Tailor your car insurance coverage to you

When it comes to buying coverage for your vehicles, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

These are some specific questions could help you determine if you could use an agent’s help.

  • Is my trailer covered?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my Ford Escort covered if I use it for business?
  • What discounts do I qualify for?
  • What is an SR-22 filing?
  • Is other people’s property covered if stolen from my vehicle?

If you can’t answer these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Parts of your car insurance policy

Understanding the coverages of a car insurance policy can be of help when determining the best coverages for your vehicles. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hail damage, hitting a bird and a broken windshield. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision insurance

This coverage will pay to fix damage to your Escort from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like damaging your car on a curb, colliding with a tree, crashing into a ditch and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Liability coverage

This protects you from damage that occurs to a person or their property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 that means you have $25,000 bodily injury coverage, 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 coverage pays for claims like emergency aid, medical expenses, court costs, repair bills for other people’s vehicles and funeral expenses. How much coverage you buy is a personal decision, but buy higher limits if possible.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for expenses such as X-ray expenses, hospital visits and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

UM/UIM Coverage

This coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Ford Escort.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Shop. Compare. Save.

In this article, we covered many ideas to compare 2002 Ford Escort insurance car insurance rates online. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding the cheapest car insurance. You may even find the most savings is with a small local company.

Drivers leave their current company for many reasons like policy cancellation, high rates after DUI convictions, being labeled a high risk driver or denial of a claim. It doesn’t matter what your reason, finding the right auto insurance provider can be easy and end up saving you some money.

Some insurance providers don’t offer the ability to get quotes online and these regional carriers only sell coverage through independent insurance agents. Low-cost 2002 Ford Escort insurance can be found online as well as from independent agents, and you should compare rates from both to have the best chance of lowering rates.

Much more information about auto insurance is located below: