Compare 2000 Ford Escort Car Insurance Quotes

Trying to find better insurance coverage rates for your Ford Escort? Searching for better insurance prices for your Ford Escort can turn out to be difficult, but you can learn the following methods and make it easy.

There are more efficient ways to shop for insurance coverage so we’re going to tell you the proper way to get price quotes on a Ford and find the lowest price from both online companies and local agents.

The most recommended method to compare rates is to know the trick most of the larger companies pay for the opportunity to give you rate quotes. All consumers are required to do is provide the companies a bit of rating information such as if you are currently licensed, your education level, your credit rating estimate, and whether you drive to work or school. That information is then sent to many highly-rated insurers and they return cost estimate immediately.

Take policy discounts and save

Some companies don’t always list the complete list of policy discounts very clearly, so the list below contains some of the more common as well as the least known discounts that you can inquire about if you buy insurance online.

  • Claim Free – Insureds with no claims or accidents have much lower rates compared to frequent claim filers.
  • Resident Student – Kids who live away from home at college and don’t have a car could qualify for this discount.
  • Drive Safe and Save – Drivers who avoid accidents could pay up to 40% less on Escort insurance than drivers with accidents.
  • Data Collection Discounts – Drivers who elect to allow driving data submission to analyze where and when they drive through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate may see discounts as long as the data is positive.
  • Bundled Policy Discount – If you can combine your homeowners and auto policy with one insurance company you may earn over 10 percent off each policy depending on the company.
  • Discount for Low Mileage – Fewer annual miles on your Ford could qualify for lower rates on the low mileage vehicles.

One last thing about discounts, many deductions do not apply to all coverage premiums. Some only apply to individual premiums such as comp or med pay. So even though they make it sound like all those discounts means the company will pay you, it just doesn’t work that way.

Larger insurance coverage companies and a partial list of their discounts are included below.

  • The Hartford may have discounts that include bundle, air bag, good student, driver training, anti-theft, defensive driver, and vehicle fuel type.
  • American Family discounts include air bags, good driver, good student, Steer into Savings, TimeAway discount, multi-vehicle, and accident-free.
  • Progressive offers premium reductions for homeowner, multi-policy, continuous coverage, multi-vehicle, online quote discount, and online signing.
  • Travelers may include discounts for IntelliDrive, driver training, payment discounts, home ownership, and early quote.
  • Farmers Insurance includes discounts for alternative fuel, multi-car, electronic funds transfer, youthful driver, pay in full, and teen driver.
  • USAA offers discounts including new vehicle, multi-vehicle, multi-policy, driver training, and loyalty savings.
  • Liberty Mutual has discounts for new move discount, multi-car, hybrid vehicle, newly retired, and new vehicle discount.

When getting a coverage quote, ask every company how you can save money. Some discounts might not be offered on policies in your area. To view insurance coverage companies with the best discounts, click here to view.

Which policy gives me the best coverage?

When choosing the right insurance coverage, there really is not a perfect coverage plan. Every insured’s situation is different.

Here are some questions about coverages that may help you determine whether your personal situation may require specific advice.

  • When do I need to add a new car to my policy?
  • When should I remove comp and collision on my 2000 Ford Escort?
  • Is extra glass coverage worth it?
  • What happens if I owe more than my 2000 Ford Escort is worth?
  • Do I benefit by insuring my home with the same company?
  • At what point should I drop full coverage?
  • How can I get high-risk coverage after a DUI?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, fill out this quick form. It’s fast, free and may give you better protection.

Auto insurance coverage information

Knowing the specifics of your policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Liability

This coverage can cover injuries or damage you cause to other’s property or people. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Another option is a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things such as repair costs for stationary objects, medical expenses, court costs and attorney fees. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as vandalism, damage from a tornado or hurricane, hitting a bird, damage from getting keyed and hitting a deer. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Most of the time these coverages do not exceed the liability coverage limits.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as nursing services, prosthetic devices and chiropractic care. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Collision coverage

Collision insurance covers damage to your Escort caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like driving through your garage door, crashing into a building, backing into a parked car and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

A penny earned…

In this article, we covered quite a bit of information on how to lower your 2000 Ford Escort insurance prices. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. Consumers may even find the best price on insurance is with a smaller regional carrier.

People change insurance companies for a number of reasons such as delays in responding to claim requests, poor customer service, high rates after DUI convictions and even being labeled a high risk driver. No matter why you want to switch, choosing a new insurance company is not as difficult as it may seem.

Budget-conscious 2000 Ford Escort insurance is possible on the web in addition to many insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance providers do not provide the ability to get a quote online and usually these regional insurance providers sell through independent agents.

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