1998 Ford Escort Insurance Quotes

Are you sick and tired of sacrificing other expenses to insure your Ford every month? You have the same problem as the majority of other people.

Since people have many online and local companies to choose from, it’s nearly impossible to find a lower cost insurance company.

It’s smart to price shop coverage before your next renewal because insurance prices are constantly changing. Despite the fact that you may have had the lowest price on Escort insurance six months ago a different company probably has better rates today. Block out anything you think you know about insurance because it’s time to teach you the best methods to lower your annual insurance bill.

Finding the best coverage is not that difficult. Essentially every driver who shops for insurance most likely will be able to reduce their rates. Although vehicle owners must know the methods companies use to determine prices and take advantage of how the system works.

Which insurance coverage is cheapest?

Performing a rate comparison can be challenging if you don’t understand the most efficient way. You could waste time talking about coverages with insurance companies in your area, or you can utilize online quotes to get pricing more quickly.

Most of the best insurance companies belong to a marketplace that allows shoppers to enter their policy data once, and each participating company can provide price quotes based on that data. This system prevents you from having to do form submissions to each company.

To find out what other companies charge click to open in new window.

The one disadvantage to using this type of system is you cannot specify which insurance companies you will receive quotes from. So if you want to choose individual companies to receive pricing from, we put together a list of insurance coverage companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just make absolute certain that you use identical coverage limits and deductibles on every quote. If you enter different liability limits you can’t possibly find the best deal for your Ford Escort. Just slight variations in insurance coverages may result in large price differences. And when price shopping your coverage, getting more free quotes helps improve the odds of finding lower pricing. Not every company allows you to get online quotes, so you should also compare price estimates from them, too.

Discount insurance coverage rates

Insurance coverage is easily one of your largest bills, but there’s a good chance there are discounts to reduce the price significantly. Most are applied when you get a quote, but once in a while a discount must be requested specifically prior to getting the savings.

  • E-sign Discounts – Some of the larger companies will give a small break simply for signing on your computer.
  • Savings for New Vehicles – Putting insurance coverage on a new car can save up to 30% due to better safety requirements for new vehicles.
  • Military Discounts – Having a family member in the military may qualify for rate reductions.
  • First Accident Forgiveness – This isn’t a discount exactly, but a few companies such as Allstate and State Farm may permit one accident without raising rates so long as you are claim-free for a specific time period.
  • Passive Restraint Discount – Options like air bags can get savings of more than 20%.
  • Accident Free – Drivers who don’t have accidents pay much less as compared to policyholders that have many claims.
  • Discount for Life Insurance – Select insurance carriers reward you with lower insurance coveragerates if you buy a life policy as well.
  • Smart Student Discounts – Getting good grades can earn a discount of 20% or more. The discount lasts well after school through age 25.

Remember that many deductions do not apply the the whole policy. Most only reduce specific coverage prices like liability and collision coverage. So even though it sounds like you can get free auto insurance, it’s just not the way it works.

Larger insurance coverage companies and some of the premium reductions they offer can be found below.

  • GEICO includes discounts for five-year accident-free, seat belt use, driver training, air bags, multi-policy, membership and employees, and good student.
  • Auto-Owners Insurance policyholders can earn discounts including anti-theft, safe driver, air bags, anti-lock brakes, multi-policy, and group or association.
  • American Family offers discounts including early bird, good student, mySafetyValet, TimeAway discount, and multi-vehicle.
  • Esurance offers discounts for emergency road assistance, multi-car, paid-in-full, claim free, and safety device.
  • Progressive discounts include homeowner, online signing, continuous coverage, multi-vehicle, good student, and multi-policy.
  • State Farm has savings for good driver, accident-free, defensive driving training, Steer Clear safe driver discount, and driver’s education.
  • AAA may offer discounts for AAA membership discount, good driver, multi-car, education and occupation, pay-in-full, and good student.

When getting a coverage quote, ask each company or agent how you can save money. Some of the earlier mentioned discounts may not be offered everywhere. To see a list of companies that provide some of the discounts listed above, click here.

Tailor your insurance coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there really is not a “best” method to buy coverage. Every insured’s situation is different so your insurance should reflect that For example, these questions can aid in determining whether you would benefit from professional advice.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Am I covered if hit by an uninsured driver?
  • Am I covered when driving on a suspended license?
  • When should I buy a commercial auto policy?
  • Am I missing any policy discounts?
  • Is motorclub coverage worth it?
  • Do I need added coverage for expensive stereo equipment?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Does coverage extend to Mexico or Canada?
  • How do I file an SR-22 for a DUI in my state?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Auto insurance policy specifics

Knowing the specifics of your policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverages found on most auto insurance policies.

Liability car insurance – This provides protection from damages or injuries you inflict on a person or their property in an accident. It protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as legal defense fees, repair costs for stationary objects, emergency aid and medical expenses. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Collision coverages – Collision insurance pays to fix your vehicle from damage caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as hitting a parking meter, crashing into a building, rolling your car, backing into a parked car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Medical expense insurance – Medical payments and Personal Injury Protection insurance kick in for immediate expenses for funeral costs, rehabilitation expenses, X-ray expenses, pain medications and doctor visits. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants 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.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these limits are similar to your liability insurance amounts.

Comprehensive (Other than Collision) – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from getting keyed, theft, hitting a deer, falling objects and rock chips in glass. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.