Cheaper 2002 Ford Escort Insurance Quotes

Shoppers have lots of choices when shopping for the lowest priced Ford Escort insurance. You can either waste hours driving around trying to get quotes or save time using the internet to make rate comparisons.

There is a better way to compare auto insurance rates and we’ll show you the absolute fastest way to compare rates for a new or used Ford and locate the cheapest rates from local insurance agents and online providers.

You need to do rate comparisons as often as possible because prices are usually higher with each renewal. Even if you got the best deal on Escort insurance a couple years back a different company probably has better premium rates today. Forget anything you know (or think you know) about auto insurance because you’re about to learn the fastest way to find better rates and still maintain coverage.

Buy auto insurance online

There are multiple methods to compare auto insurance prices and some are less labor-intensive and much quicker. You could spend your day talking about coverages with agents in your area, or you can stay home and use the web to achieve your goal.

Many of the larger companies belong to an insurance system that allows shoppers to complete one form, and each company returns a competitive quote for coverage. This saves time by eliminating quote forms for every auto insurance company. To find out how much you’re overpaying now click to open in new window.

The one disadvantage to getting quotes like this is that consumers can’t choose which companies to get pricing from. If you would rather choose specific providers to receive pricing from, we have a page of low cost auto insurance companies in your area. Click here for list of insurance companies.

You can choose any of those ways to find more affodable coverage, but ensure you are comparing apples-to-apples quote information on every quote. If you are comparing different coverage information it’s not possible to decipher which rate is best.

Insurance coverage quotes and discounts

Car insurance companies don’t always list their entire list of discounts very clearly, so the list below contains both well-publicized and also the more inconspicuous credits that you can use to lower your rates.

  • Early Renewal Discounts – Select insurance companies give a discount for buying a policy before your current expiration date. It’s a savings of about 10%.
  • Theft Prevention Discount – Vehicles equipped with tracking devices and advanced anti-theft systems help deter theft and can earn a small discount on your policy.
  • First Accident Forgiveness – This one is not really a discount per se, but companies like GEICO, State Farm, and Progressive will turn a blind eye to one accident before raising your premiums if you have no claims for a set time period.
  • Smart Student Discounts – A discount for being a good student may save as much as 25% on a auto insurance quote. You can use this discount normally up to age 25.
  • Drive Less and Save – Low mileage vehicles may enable drivers to earn slightly better insurance coveragerates than normal.
  • Senior Citizen Rates – Drivers over the age of 55 can get lower premium rates on Escort insurance.
  • Multiple Vehicles – Buying insurance for multiple cars or trucks on one policy qualifies for this discount.
  • Auto/Home Discount – If you can combine your home and auto policy and place coverage with the same company they may give you a discount of up to 20% off your total premium.

We need to note that most credits do not apply to the entire policy premium. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like adding up those discounts means a free policy, nobody gets a free ride. Any qualifying discounts will positively reduce your insurance coverage premiums.

A few of the larger companies and some of the premium reductions they offer can be read below.

  • Farm Bureau offers discounts for multi-vehicle, good student, driver training, renewal discount, youthful driver, multi-policy, and 55 and retired.
  • Liberty Mutual may include discounts for safety features, exclusive group savings, multi-car, new graduate, and teen driver discount.
  • State Farm may offer discounts for accident-free, multiple policy, anti-theft, driver’s education, and Drive Safe & Save.
  • Auto-Owners Insurance may have discounts that include air bags, student away at school, good student, safe vehicle, anti-lock brakes, group or association, and anti-theft.
  • GEICO discounts include membership and employees, daytime running lights, federal employee, emergency military deployment, driver training, anti-theft, and good student.
  • SAFECO policyholders can earn discounts including accident prevention training, anti-lock brakes, multi-car, teen safe driver, and anti-theft.

When getting free auto insurance quotes, it’s a good idea to all companies you are considering which discounts you qualify for. Discounts might not be offered on policies in your state. If you would like to choose from a list of insurers offering insurance coverage discounts, click here to view.

Situations that may require an agent’s advice

When choosing coverage, there is no single plan that fits everyone. Everyone’s situation is a little different.

For instance, these questions could help you determine whether or not you might need professional guidance.

  • Is my state a no-fault state?
  • Why is insurance for a teen driver so high?
  • How much can I save by bundling my policies?
  • Do I pay less for low miles?
  • Can I afford to pay high deductible claims out of pocket?
  • What is medical payments coverage?
  • Can I rate high risk drivers on liability-only vehicles?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and you can get the answers you need.

Smart consumers can reduce their insurance prices

Many different elements are part of the equation when you quote your car insurance policy. Some of the criteria are obvious like your driving record, but some are not quite as obvious such as whether you are married or how financially stable you are.Consumers need to have an understanding of some of the elements that aid in calculating the rates you pay for auto insurance. When consumers understand what determines base rates, this enables you to make decisions that could result in cheaper rates.

  • High physical damage deductibles lower rates – Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your Ford. Some coverage claims are collision with another vehicle, damage caused by hail, and damage caused by flying debris. Comp and collision deductibles are how much you are required to pay if a covered claim is submitted. The more money you pay before a claim is paid (deductible), the less money you will pay for auto insurance on Escort insurance.
  • Improve your credit rating and save – An insured’s credit score is likely to be a major factor in calculating your auto insurance rates. So if your credit score can be improved, you could potentially save money when insuring your 2002 Ford Escort by taking the time to improve your credit score. Insureds with excellent credit tend to file fewer claims and have better driving records than drivers with lower credit ratings.
  • Males pay more for car insurance – Over the last 50 years, statistics have shown that females tend to be a little less risky than males. That doesn’t necessarily mean that males are worse at driving than females. Both sexes are responsible for auto accidents in similar percentages, but the males have accidents that have higher claims. Men also tend to get ticketed for serious violations like DUI and reckless driving.
  • Prevent theft and save – Selecting a car model that has a built-in theft deterrent system can save you a little every year. Anti-theft features like OnStar, LoJack tracking, and tamper alarms all help prevent car theft.
  • Experienced drivers pay less – Young drivers have a tendency to be easily distracted behind the wheel and because of this, their auto insurance rates are much higher. Adding a young driver onto your auto insurance can be quite pricey. Older insureds are viewed as being more responsible, tend to file fewer claims and receive fewer citations.
  • Annual mileage impacts rates – Driving a lot of miles annually the higher your rate. A lot of companies rate vehicles based on how the vehicle is used. Vehicles that have low annual miles receive lower rates than those used for commuting. An improperly rated Escort may be costing you. Ask your agent if your auto insurance coverage states the correct driver usage.
  • File a auto insurance claims and pay more – Auto insurance companies give discounts to insureds who do not rely on their insurance for small claims. If you file a lot of claims you can definitely plan on much higher rates or policy non-renewal. Insurance coverage is designed for major claims that would cause financial hardship.
  • Auto insurance policy lapses increase premiums – Not maintaining insurance can get you a ticket and as a result your rates will increase for letting your insurance coverage expire. And not only will insurance be more expensive, being ticketed for driving with no insurance could earn you a hefty fine and possibly a revoked license. You may then have to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.

Car insurance 101

Knowing the specifics of insurance can help you determine appropriate coverage and the correct deductibles and limits. Insurance terms can be impossible to understand and reading a policy is terribly boring.

Liability auto insurance – Liability insurance will cover damage that occurs to other people or property that is your fault. 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 limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as repair bills for other people’s vehicles, funeral expenses, legal defense fees, medical services and pain and suffering. How much coverage you buy is up to you, but you should buy higher limits if possible.

Comprehensive coverage (or Other than Collision) – This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like theft, hitting a deer and hitting a bird. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision – This coverage will pay to fix damage to your Escort resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as scraping a guard rail, sideswiping another vehicle, crashing into a ditch and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and also any damage incurred to your Ford Escort.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for surgery, dental work, ambulance fees, X-ray expenses and chiropractic care. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Have the Midas touch

The cheapest 2002 Ford Escort insurance is attainable from both online companies and from local insurance agents, so get free auto insurance quotes from both of them so you have a total pricing picture. Some companies may not provide the ability to get a quote online and usually these regional insurance providers work with independent agents.

Insureds who switch companies do it for many reasons like unfair underwriting practices, lack of trust in their agent, questionable increases in premium and high prices. Regardless of your reason for switching companies, finding the right insurance provider is pretty simple and you could end up saving a buck or two.

We just showed you many ways to reduce 2002 Ford Escort insurance prices online. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding cheaper auto insurance. Consumers may even find the lowest priced insurance comes from some of the lesser-known companies.

More detailed insurance information can be read by following these links: