Lower Your 1997 Ford Escort Insurance Rates

Have you finally had enough of not being able to afford to keep your car insured? You are in the same boat as many other drivers. Drivers have so many insurers to buy insurance from, and even though it’s nice to have multiple companies, too many choices makes it more difficult to find the lowest rates.

Smart consumers take time to compare rates quite often because insurance prices are rarely the same from one policy term to another. Just because you found the lowest rates for Escort coverage a year ago the chances are good that you can find a lower rate quote today. Ignore everything you know about auto insurance because we’re going to demonstrate the easiest way to find great coverage at a great price.

Shopping for the best insurance coverage can be fairly easy. If you have insurance now or need new coverage, you can use this information to reduce the price you pay and still get good coverage. Drivers only need to know how to compare rates over the internet.

You may qualify for discounts

The price of auto insurance can be rather high, but you can get discounts that many consumers don’t even know exist. Many discounts should be triggered when you complete an application, but less common discounts must be manually applied before you will receive the discount.

  • Sign Online – Many larger companies will give a small break for buying your policy over the internet.
  • Save with a New Car – Insuring a new car can save you some money due to better safety requirements for newer models.
  • Mature Driver Discount – If you qualify as a senior citizen, you can get better insurance coverage rates for Escort coverage.
  • Accident Waiver – Not necessarily a discount, but some insurance companies allow you one accident without raising rates if you have no claims prior to the accident.
  • Fewer Miles Equal More Savings – Driving less could earn slightly better insurance coveragerates than normal.

A little disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. A few only apply to individual premiums such as comp or med pay. So despite the fact that it appears adding up those discounts means a free policy, company stockholders wouldn’t be very happy. But all discounts will lower your overall bill.

If you would like to see a list of insurance companies that offer many of these discounts, click here.

Buy insurance online

Finding more affordable 1997 Ford Escort insurance quotes is a great way to save money. You just need to spend a little time comparing price quotes to see which company has cheap insurance quotes. It is quite easy and can be accomplished using a couple different methods.

Experts agree that the best way to find low rates is a comparison rater form click to view form in new window. This type of form saves time by eliminating separate quote forms for each company. One quote request will get you rate comparisons from multiple companies.

Another way to compare prices is to manually visit each company website and request a quote. For example, let’s say you want to compare USAA, Liberty Mutual and State Farm. To get each rate you have to take the time to go to each site and enter your policy data, which can get rather old. For a handy list of car insurance company links in your area, click here.

It doesn’t matter which method you choose, just try to keep identical coverage limits and deductibles on every quote. If you have unequal deductibles or liability limits you will not be able to determine the lowest rate for your Ford Escort.

There’s no such thing as the perfect auto insurance policy

When it comes to buying adequate coverage, there isn’t really a perfect coverage plan. Every insured’s situation is different so your insurance needs to address that. For instance, these questions may help highlight if your situation would benefit from professional advice.

  • Should I buy only the required minimum liability coverage?
  • Should I drop comprehensive coverage on older vehicles?
  • Does my insurance cover a custom paint job?
  • Should I have combined single limit or split liability limits?
  • When can I cancel my policy?
  • Should I get collision insurance on every vehicle?
  • Am I covered by my spouse’s policy after a separation?
  • Is extra glass coverage worth it?
  • Does my 1997 Ford Escort need full coverage?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance coverage information

Understanding the coverages of your insurance policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Listed below are typical coverage types available from insurance companies.

Liability auto insurance – Liability insurance protects you from damage that occurs to a person or their property that is your fault. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability insurance covers claims such as attorney fees, legal defense fees and loss of income. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Medical costs insurance – Med pay and PIP coverage reimburse you for immediate expenses for things like prosthetic devices, nursing services, chiropractic care and dental work. They are used to fill the gap from your health insurance program or if you do not have health coverage. They cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible

UM/UIM Coverage – This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and damage to your Ford Escort.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a bird, a tree branch falling on your vehicle, a broken windshield and hitting a deer. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision – This will pay to fix damage to your Escort resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like hitting a parking meter, scraping a guard rail, crashing into a building, crashing into a ditch and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

A fool and his money are soon parted

Discount 1997 Ford Escort insurance is attainable both online as well as from independent agents, so you should compare both to get a complete price analysis. Some companies do not provide price quotes online and these small insurance companies work with local independent agencies.

When getting insurance quotes online, make sure you don’t reduce needed coverages to save money. There are too many instances where someone dropped collision coverage and discovered at claim time that the savings was not a smart move. Your objective should be to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

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