2001 Ford Escort Insurance Quotes – 5 Policy Discounts

Looking for lower auto insurance rates for your Ford Escort? When trying to find lower-cost insurance, are you baffled by the dozens of auto insurance sources available to you? Vehicle owners have so many sources available that it can easily become a ton of work to find lower auto insurance rates.

How to get cheap car insurance

To find cheap insurance quotes, there are several ways of comparing rates from many car insurance companies in your state. By far the easiest way to comparison shop is to use the internet to compare rates. This can be done by using one of the methods below.

The fastest way to get quotes for comparison is to use a rate comparison form click to view form in new window. This type of form saves time by eliminating multiple quote forms for every prospective company. Just one form will get you price quotes from car insurance companies with the best prices. Recommended for those who want to invest the least amount of time.

A less efficient way to find more affordable insurance requires a visit to each company’s website and repeat the quote process again and again. For instance, we’ll assume you want to compare Nationwide, Allstate and Progressive. To get each rate you have to spend time on each company’s site to enter your coverage information, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.

It’s up to you which method you use, but be certain you are entering nearly identical quote data for each comparison quote. If you are comparing different data it will be very difficult to determine which rate is truly the best. Having just a slight variation in insurance coverages or limits may cause a big price difference. And when comparison shopping, comparing more quotes will improve the odds of getting lower pricing.

Insurance discounts help slash rates

Some providers don’t list every disount available in a way that’s easy to find, so below is a list some of the more common and the harder-to-find insurance savings. If you aren’t receiving every discount available, you could be paying more than you need to.

  • Accident Free – Good drivers with no accidents have much lower rates in comparison with accident-prone drivers.
  • Payment Method – If you pay your bill all at once instead of making monthly payments you may have a lower total premium amount.
  • Discounts for Safe Drivers – Insureds without accidents can save up to 40% or more on their insurance quote on Escort coverage than their less cautious counterparts.
  • Savings for New Vehicles – Adding a new car to your policy can save up to 30% since new model year vehicles have better safety ratings.
  • Onboard Data Collection – Drivers who elect to allow their insurance company to look at where and when they drive by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease as long as they are good drivers.

Don’t be shocked that some credits don’t apply to all coverage premiums. The majority will only reduce individual premiums such as liability, collision or medical payments. Even though it may seem like you can get free auto insurance, insurance companies wouldn’t stay in business. Any amount of discount will definitely reduce your policy premiums.

A list of companies and the discounts they provide are:

  • GEICO may include discounts for good student, anti-lock brakes, federal employee, multi-vehicle, and seat belt use.
  • USAA offers discounts including safe driver, good student, multi-vehicle, family discount, annual mileage, and defensive driver.
  • Progressive offers premium reductions for good student, multi-policy, online quote discount, online signing, continuous coverage, and multi-vehicle.
  • American Family may offer discounts for mySafetyValet, Steer into Savings, bundled insurance, air bags, defensive driver, and multi-vehicle.
  • Esurance includes discounts for online quote, defensive driver, DriveSense, multi-policy, claim free, Pac-12 alumni, and online shopper.
  • Farmers Insurance has discounts for alternative fuel, homeowner, youthful driver, electronic funds transfer, and business and professional.
  • State Farm policyholders can earn discounts including defensive driving training, multiple policy, multiple autos, good driver, Steer Clear safe driver discount, Drive Safe & Save, and safe vehicle.

If you are trying to find inexpensive insurance quotes, ask all the companies how you can save money. All car insurance discounts may not apply to policies in your area.

Which is the best car insurance?

When it comes to choosing proper insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is a little different.

For instance, these questions might help in determining if you will benefit from professional help.

  • Am I covered if I hit a deer?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Who is covered by my policy?
  • Do I have any recourse if my insurance company denies a claim?
  • Will I lose any money if I cancel my policy before it expires?
  • Am I covered if I drive in a foreign country?
  • Am I covered when driving in Canada or Mexico?
  • Does coverage extend to my business vehicle?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Insurance coverage considerations

Learning about specific coverages of insurance can help you determine which coverages you need for your vehicles. Insurance terms can be ambiguous and reading a policy is terribly boring.

Collision – Collision coverage pays for damage to your Escort resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like crashing into a ditch, damaging your car on a curb, colliding with another moving vehicle, rolling your car and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision) – This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, fire damage and hail damage. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability car insurance – This can cover injuries or damage you cause to a person or their property. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims such as legal defense fees, repair costs for stationary objects, pain and suffering and attorney fees. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical expense insurance – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like dental work, hospital visits and funeral costs. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

What is YOUR best insurance company?

More affordable insurance can be sourced online as well as from insurance agents, so get free insurance quotes from both of them to get a complete price analysis. A few companies may not offer rates over the internet and usually these smaller companies work with independent insurance agents.

As you restructure your insurance plan, it’s very important that you do not sacrifice coverage to reduce premiums. In too many instances, someone sacrificed physical damage coverage only to discover later that they should have had better coverage. Your strategy should be to buy the best coverage you can find at an affordable rate, but do not sacrifice coverage to save money.

People leave their current company for a variety of reasons including questionable increases in premium, high rates after DUI convictions, being labeled a high risk driver and delays in responding to claim requests. No matter why you want to switch, choosing a new insurance company is less work than it seems.

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