Do you get exhausted from trying to scrape together enough money to insure your Ford every month? You are in the same boat as many other consumers. Because you have many options when it comes to auto insurance, it is hard for the average consumer to choose a lower cost insurer.
It’s important to check auto insurance prices before your next renewal because auto insurance rates change quite often. Even if you got the best premium rates for Escort coverage at your last renewal the chances are good that you can find a lower price today. Ignore everything you know about auto insurance because you’re about to learn the easiest way to find great coverage at a great price.
Insuring your fleet can be pricey, but you might be missing out on some discounts that can help lower your rates. Many of these discounts will be applied automatically when you complete an application, but some discounts are required to be specifically requested before being credited. If you do not check that you are getting every discount you deserve, you may be paying too high a price.
Please keep in mind that most discount credits are not given to all coverage premiums. Some only reduce individual premiums such as medical payments or collision. So when it seems like it’s possible to get free car insurance, companies don’t profit that way. But all discounts should help lower the amount you have to pay.
A few of the larger companies and a selection of discounts are included below.
If you want low cost car insurance quotes, ask each company or agent which discounts can lower your rates. Depending on the company, some discounts might not apply everywhere. To see companies with discount insurance coverage rates, click here to view.
Comparing insurance coverage rates can be exhausting if you don’t know the best way to get rate quotes. You could waste time talking about coverages with local insurance agents in your area, or you can stay home and use online quotes to get rates in a matter of minutes.
Most of the larger companies take part in a program that allows shoppers to enter their policy data once, and every company returns a competitive quote determined by their information. This eliminates the need for quotation requests to each company.
To find out how much you’re overpaying now click to open in new window.
The only downside to getting quotes like this is that you can’t choose which providers to get quotes from. So if you prefer to pick specific insurance companies to request quotes from, we put together a list of low cost insurance coverage companies in your area. Click to view list.
The method you choose is up to you, but be sure to compare apples-to-apples coverages and limits for every quote you compare. If your comparisons have different deductibles it will be very difficult to determine which rate is truly the best.
When choosing the best car insurance coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions may help highlight whether or not you will benefit from professional help.
If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and can help protect your family.
Knowing the specifics of auto insurance helps when choosing the best coverages for your vehicles. Auto insurance terms can be confusing and reading a policy is terribly boring. Below you’ll find the normal coverages found on most auto insurance policies.
Auto liability – This can cover damage or injury you incur to a person or their property by causing an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Another option is a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.
Liability coverage protects against claims such as pain and suffering, structural damage, attorney fees, funeral expenses and loss of income. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.
Medical payments coverage and PIP – Med pay and PIP coverage reimburse you for bills for EMT expenses, prosthetic devices, chiropractic care and doctor visits. They are utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. PIP is not universally available and may carry a deductible
Collision coverage – This coverage pays for damage to your Escort resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision can pay for things such as sideswiping another vehicle, scraping a guard rail, driving through your garage door, hitting a mailbox and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.
Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your Ford Escort.
Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Frequently the UM/UIM limits are set the same as your liablity limits.
Comprehensive coverage – This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things like damage from a tornado or hurricane, hail damage and theft. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.
As you prepare to switch companies, do not skimp on critical coverages to save a buck or two. There are many occasions where drivers have reduced uninsured motorist or liability limits to discover at claim time that the savings was not a smart move. The goal is to get the best coverage possible for the lowest cost, but do not skimp to save money.
The cheapest 1992 Ford Escort insurance can be found both online in addition to many insurance agents, and you need to price shop both to get a complete price analysis. Some auto insurance companies may not provide online rate quotes and most of the time these small, regional companies only sell through independent agents.