Save on 1996 Ford Escort Insurance Rates

Trying to find the cheapest insurance coverage rates for your Ford Escort? Tired of paying out the nose to pay insurance coverage each month? You are no different than millions of other people.

Many car insurance companies compete for your hard-earned dollar, so it’s not easy to compare every insurance company to discover the definitive best rates possible.

You need to quote other rates occasionally because prices tend to go up over time. Just because you had the best quotes on Escort coverage a couple years back you will most likely find a better rate today. Forget all the misinformation about insurance coverage because you’re about to find out the fastest and easiest way to properly buy coverages while reducing your premium.

If you currently have a car insurance policy, you will most likely be able to save some money using this information. Buying car insurance is not that difficult. Nevertheless, car owners need to have an understanding of the methods companies use to price online insurance and apply this information to your search.

How to compare free car insurance quotes

There are multiple methods to shop for car insurance, but there is one way that is less labor-intensive and much quicker. You can waste a lot of time talking to insurance companies in your area, or you could save time and use online quotes to achieve your goal.

Many popular insurance companies are enrolled in a marketplace that allows shoppers to submit their information once, and each participating company can provide price quotes. This eliminates the need for quote forms to each company.

To compare pricing click to open in new window.

The single downside to comparing rates this way is you don’t know exactly the companies to get quotes from. So if you prefer to pick from a list of companies to receive pricing from, we have a page of the cheapest car insurance companies in your area. Click here to view list.

You can use whichever method you prefer to find lower rates, just make sure you use apples-to-apples coverages and limits for each comparison quote. If you are comparing higher or lower deductibles it will be nearly impossible to make a fair rate comparison. Even a minor difference in coverages may result in large price differences. Just keep in mind that making a lot of price comparisons increases the change that you will find the best price. Some smaller insurers to not give online price quotes, so it’s important to also get quotes from them as well.

Discounts for cheaper auto insurance rates

The price of auto insurance can be rather high, but you might already qualify for some discounts that many people don’t even know exist. Certain reductions will be credited when you quote, but once in a while a discount must be specially asked for prior to receiving the credit.

  • Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase auto and life insurance together.
  • Multi-car Discount – Buying coverage for all your vehicles on a single policy can reduce the rates for all insured vehicles.
  • Drivers Education – Require your teen driver to participate in a local driver’s education class in school.
  • Payment Method – By paying your entire bill at once rather than paying in monthly installments you can actually save on your bill.
  • Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts may qualify for discounts of 20 to 30 percent.

We need to note that most discounts do not apply to the entire cost. Most only reduce the cost of specific coverages such as comprehensive or collision. Just because it seems like all the discounts add up to a free policy, nobody gets a free ride. But any discount will help reduce your overall premium however.

A few of the larger companies and some of the discounts are:

  • State Farm has savings for Drive Safe & Save, Steer Clear safe driver discount, safe vehicle, driver’s education, good driver, accident-free, and passive restraint.
  • Liberty Mutual policyholders can earn discounts including preferred payment discount, exclusive group savings, new vehicle discount, hybrid vehicle, multi-car, newly married, and new graduate.
  • American Family offers discounts for defensive driver, multi-vehicle, Steer into Savings, good student, and air bags.
  • Progressive may include discounts for multi-vehicle, online signing, continuous coverage, good student, multi-policy, online quote discount, and homeowner.
  • Farmers Insurance offers premium reductions for teen driver, alternative fuel, bundle discounts, pay in full, early shopping, and business and professional.
  • Auto-Owners Insurance offers discounts including paperless, teen driver, safe driver, company car, paid in full, and multi-policy.
  • SAFECO has discounts for teen safe driver, homeowner, teen safety rewards, drive less, and anti-theft.

When getting free car insurance quotes, it’s a good idea to all companies you are considering how many discounts you can get. Some of the earlier mentioned discounts may not be offered in your state. To choose auto insurance companies offering auto insurance discounts, follow this link.

How car insurance companies calculate Ford Escort insurance costs

Lots of things are used when premium rates are determined. A few of the factors are predictable such as your driving history, but other factors are not as apparent like your continuous coverage or your commute time.

  • You may save more by consolidating policies – Most larger insurance companies give discounts to people who carry more than one policy. It’s known as a multi-policy discount. Even if you’re getting this discount consumers should still check prices from other companies to confirm you are receiving the best rates possible. It’s possible to still save money by buying from different companies
  • Amount of liability insurance – Your policy’s liability coverage will protect you if you are ruled to be at fault for causing damage or personal injury in an accident. This coverage provides legal defense which can cost thousands of dollars. It is affordable coverage compared to physical damage coverage, so do not skimp.
  • Deter vehicle theft – Driving a car with advanced anti-theft systems can earn a premium discount. Systems that thwart theives like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help prevent your vehicle from being stolen.
  • Commute or pleasure use – Driving a lot of miles each year the more it will cost to insure it. Almost all companies charge to insure your cars determined by how the vehicle is used. Cars and trucks that do not get driven very much receive lower rates than vehicles that have high annual mileage. Make sure your insurance coverage declarations sheet states the proper vehicle usage. Having an incorrect usage rating on your Escort can result in significantly higher rates.
  • A linsurance coverage lapse is a bad thing – Driving with no insurance can get your license suspended and insurance coverage companies will penalize you for letting your insurance expire. Not only will you pay higher rates, the inability to provide proof of insurance could result in a fine, jail time, or a revoked license. You may need to prove you have insurance by filing a SR-22 with your state motor vehicle department.
  • Certain vocations pay higher prices – Did you know your occupation can influence how much you pay for insurance coverage? Occupational choices like lawyers, business owners and emergency personnel tend to have higher rates than the rest of us due to intense work-related stress and lots of time spent away from family. Conversely, occupations like farmers, students and the unemployed get better rates on Escort coverage.
  • Raising comp and collision deductibles lowers rates – Your deductibles define the amount you are willing to pay if a covered claim is submitted. Coverage for physical damage, aka comp and collision, insures against damage to your car. A few examples of covered claims are collision with another vehicle, hail damage, and having a roll-over accident. The more you’re willing to pay, the lower your rates will be on Escort coverage.
  • Only buy what you need – There are a lot of extra add-on coverages that you can get tricked into buying if you don’t pay attention. Things like coverage for rental cars, accidental death, and term life insurance may not be needed and are just wasting money. They may seem good when buying your policy, but if you have no use for them think about removing them and cutting costs.

Tailor your insurance coverage to you

When it comes to buying proper insurance coverage, there isn’t really a one size fits all plan. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that can help discover if you may require specific advice.

  • Am I covered if I hit my neighbor’s mailbox?
  • Where can I find DUI or SR-22 insurance?
  • What is medical payments coverage?
  • How do I file an SR-22 for a DUI in my state?
  • Should I waive the damage coverage when renting a car?
  • When should I remove comp and collision on my 1996 Ford Escort?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Should I drop comprehensive coverage on older vehicles?
  • How much liability insurance is required?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier

Auto insurance 101

Learning about specific coverages of insurance can be of help when determining the right coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverage types offered by insurance companies.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

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

Comprehensive can pay for things such as a broken windshield, hail damage, hitting a bird and fire damage. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP – Med pay and PIP coverage pay for immediate expenses for ambulance fees, surgery, EMT expenses and nursing services. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Collision – Collision coverage will pay to fix damage to your Escort resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as scraping a guard rail, sideswiping another vehicle, backing into a parked car, hitting a mailbox and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Auto liability – This can cover injuries or damage you cause to other people or property. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims such as medical services, attorney fees, repair bills for other people’s vehicles and court costs. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

A little work can save a LOT of money

Lower-priced insurance can be purchased on the web and from local insurance agents, and you need to price shop both to have the best rate selection. There are still a few companies who may not have online rate quotes and these small insurance companies only sell coverage through independent agencies.

As you shop your coverage around, make sure you don’t skimp on coverage in order to save money. Too many times, an accident victim reduced uninsured motorist or liability limits and learned later that the small savings ended up costing them much more. The aim is to buy a smart amount of coverage at an affordable rate and still be able to protect your assets.

In this article, we covered many ways to get a better price on 1996 Ford Escort insurance. The most important thing to understand is the more quotes you get, the higher the chance of saving money. Drivers may discover the lowest rates are with the smaller companies. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm, GEICO and Nationwide.

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