1995 Ford Escort Car Insurance Quotes – 8 Tricks for Cheaper Rates

Pricey Ford Escort insurance can diminish your monthly budget and possibly require postponing other expenditures. Performing a price comparison can save money and help to reduce premiums and put more money in your pocket.

Numerous auto insurance companies battle for your hard-earned dollar, and because of this it can be hard to compare insurance companies to get the lowest price

It’s important to do price comparisons periodically because insurance prices trend upward over time. Even if you think you had the lowest price on Escort coverage at your last renewal you may be paying too much now. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to the quickest way to reduce your cost while improving coverage.

If you currently have a car insurance policy, you should be able to lower your premiums substantially using this information. Finding affordable coverage is quite easy. But consumers should learn how the larger insurance companies price insurance differently.

Buy car insurance online

The are a couple different ways of comparing price quotes from many available car insurance companies in your state. The best way to compare Ford Escort insurance prices involves getting comparison quotes online. It is quite easy and can be accomplished by using one of the methods below.

One of the simplest ways to get quotes for comparison is a comparison rater form (click to open form in new window). This easy form eliminates the need for boring form submissions to each individual car insurance company. A single form gets you coverage quotes from all major companies.

A harder way to find better pricing consists of going to each company’s website to complete their respective quote request forms. For instance, we’ll assume you need rates from Liberty Mutual, Farmers and Progressive. To find out each rate you need to go to each individual site and punch in your information repeatedly, which can get rather old.

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

The most difficult way to do your price quoting is to spend time driving to insurance agencies in your area. Comparing rates online has reduced the need for local agents unless you have a complicated situation and need the professional assistance of a local agency. Although you can comparison shop your insurance online but buy the policy through an agent.

However you get your quotes, ensure you’re using equivalent coverages on every quote. If you have different coverage information you can’t possibly make a fair comparison for your Ford Escort. Slightly different coverage limits may result in large price differences. Just remember that comparing more company’s prices gives you a better chance of getting the best offered rates. Some smaller insurers to not give quotes online, so you also need to get quotes on coverage from those companies, too.

Car insurance buyers beware

Companies like Progressive, Allstate and GEICO continually stream ads on television and other media. All the ads make the point that you can save if you move your policy. How do they all have lower policy pricing?

Most companies have specific characteristics for the type of customer that earns them a profit. One example of this type of insured could possibly be over age 30, has few claims, and drives less than 7,500 miles a year. Any customer who matches that profile is entitled to the best price and will probably save if they switch.

Potential insureds who fall short of these standards will have to pay higher premiums and ends up with the driver buying from a lower-cost company. If you listen closely, the ads state “drivers who switch” but not “all drivers who get quotes” will save that much if they switch. That’s the way insurance companies can confidently make it sound like they have such great auto insurance rates. Different companies use different criteria so it’s extremely important to do a rate comparison at every renewal. It is impossible to guess which company will give you lower rates than your current company.

Pay discount rates with these eight discounts

Some insurance providers don’t always list all their discounts in a way that’s easy to find, so the following list contains both well-publicized in addition to some of the lesser obvious credits available to you. If you check and find you aren’t receiving every discount available, you’re just leaving money on the table.

  • Air Bags and Passive Restraints – Cars that have air bags can get savings of 20 to 30 percent.
  • Cautious Driver Discount – Accident-free drivers can pay as much as 50% less on Escort coverage than drivers with accident claims.
  • Save with More Vehicles Insured – Buying insurance for all your vehicles with the same company can get a discount on all vehicles.
  • Pay Upfront and Save – By paying your entire bill at once instead of making monthly payments you can actually save on your bill.
  • Sign Online – Some of the larger companies will provide an incentive just for signing your application digitally online.
  • Student Discount for Driver Training – It’s a good idea to have your young drivers take driver’s ed class as it will make them better drivers and lower rates.
  • No Claims – Insureds who avoid accidents and claims pay much less in comparison to bad drivers.
  • Auto/Home Discount – If you combine your home and auto policies with one insurance company you will save at least 10% off all policies.

Drivers should understand that some of the credits will not apply to all coverage premiums. Some only reduce the cost of specific coverages such as liability and collision coverage. So even though it sounds like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

To find insurers with discount rates, follow this link.

Your situation helps dictate your coverage

When buying adequate coverage for your vehicles, there really is no “perfect” insurance plan. Every situation is different so this has to be addressed. These are some specific questions might help in determining whether or not you may require specific advice.

  • Does coverage extend to Mexico or Canada?
  • Does insurance cover damages from a DUI accident?
  • Am I covered if hit by an uninsured driver?
  • Are my friends covered when driving my car?
  • Should I buy full coverage?
  • How high should my uninsured/underinsured coverage be in my state?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Should I carry comprehensive and collision coverage?
  • What is medical payments coverage?
  • How much liability insurance is required?

If you can’t answer these questions, you may need to chat with an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area.

Coverage specifics

Understanding the coverages of your car insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on the average car insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Escort.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like rehabilitation expenses, ambulance fees and X-ray expenses. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. It covers both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Liability coverage

Liability insurance will cover damage that occurs to a person or their property. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage protects against things such as medical expenses, court costs, medical services, repair bills for other people’s vehicles and pain and suffering. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Comprehensive auto coverage

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as hail damage, hitting a bird, vandalism and a broken windshield. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto collision coverage

Collision coverage pays for damage to your Escort from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as hitting a mailbox, colliding with a tree and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

A penny earned…

More affordable car insurance can be found from both online companies as well as from independent agents, and you should compare rates from both in order to have the best chance of saving money. Some insurance companies don’t offer the ability to get a quote online and these smaller companies provide coverage only through independent insurance agencies.

We just presented some good ideas how you can reduce 1995 Ford Escort insurance rates online. The most important thing to understand is the more companies you get auto insurance rates for, the better your comparison will be. You may even find the best rates are with the smaller companies. Regional companies often have lower auto insurance rates on specific markets than their larger competitors like State Farm, GEICO and Nationwide.

As you prepare to switch companies, never buy poor coverage just to save money. There are many occasions where an accident victim reduced liability limits or collision coverage and learned later that it was a big error on their part. The aim is to buy the best coverage you can find at the best cost but still have enough coverage for asset protection.

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