2003 Ford Escort Car Insurance Rates – 10 Discounts for Cheaper Quotes

Looking for the cheapest insurance coverage rates for your Ford Escort? Finding the cheapest insurance for a new or used Ford Escort can normally be a lot of work, but you can use these tips to find lower rates. There is a better way to shop for insurance coverage and we’ll show you the proper way to price shop coverage for a Ford and locate the best price possible from local insurance agents and online providers.

Finding the best rates is quite easy. If you have insurance now or are just looking to switch companies, you can learn to find the best rates and still get good coverage. Vehicle owners only need an understanding of the most effective way to compare price quotes on the web.

Drivers save money with these ten discounts

Companies do not advertise every possible discount in a way that’s easy to find, so here is a list some of the best known in addition to some of the lesser obvious credits available to lower your premiums when you buy auto insurance online.

  • Passive Restraints and Air Bags – Factory options such as air bags or automatic seat belts can qualify for discounts of up to 25% or more.
  • Life Insurance – Car insurance companies who offer life insurance give a discount if you purchase life insurance.
  • Driver’s Ed – Require your teen driver to successfully complete driver’s ed class in school.
  • Claim-Free Discount – Insureds who avoid accidents and claims pay much less as opposed to drivers with a long claim history.
  • Discounts for Good Drivers – Insureds without accidents could pay up to 40% less for Escort insurance compared to rates paid by drivers with frequent claims.
  • Defensive Driver Discount – Passing a course teaching defensive driving skills could earn you a small percentage discount and also improve your driving technique.
  • Homeowners Pay Less – Being a homeowner can earn you a little savings because maintaining a house is proof of financial responsibility.
  • Braking Control Discount – Vehicles that have anti-lock braking systems prevent accidents so you can save 10 percent or more.
  • Accident Forgiveness – Not really a discount, but companies like Allstate and Progressive will allow you to have one accident before raising your premiums if you are claim-free for a particular time prior to the accident.
  • Save with More Vehicles Insured – Buying insurance for all your vehicles with the same car insurance company could earn a price break for each car.

You can save money using discounts, but most discounts do not apply to the entire policy premium. Some only reduce specific coverage prices like physical damage coverage or medical payments. Even though it may seem like all those discounts means the company will pay you, you won’t be that lucky. Any amount of discount will bring down your policy cost.

If you would like to view insurance companies who offer discounts, click this link.

Special considerations

When buying adequate coverage for your personal vehicles, there really is not a “perfect” insurance plan. Every situation is different.

For example, these questions could help you determine if your insurance needs may require specific advice.

  • Are my tools covered if they get stolen from my vehicle?
  • Does my personal policy cover me when driving out-of-state?
  • Is motorclub coverage worth it?
  • Am I covered when pulling a rental trailer?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Does liability extend to a camper or trailer?
  • When should I remove comp and collision on my 2003 Ford Escort?
  • Do I need added coverage for expensive stereo equipment?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can help protect your family.

Auto insurance 101

Learning about specific coverages of your policy can be of help when determining the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive or Other Than Collision – This covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like a broken windshield, rock chips in glass, damage from getting keyed, hitting a bird and hail damage. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage – This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as prosthetic devices, EMT expenses, nursing services, pain medications and X-ray expenses. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Collision coverages – This covers damage to your Escort resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like backing into a parked car, sideswiping another vehicle, hitting a mailbox and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Liability coverage – This can cover damages or injuries you inflict on people or other property that is your fault. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like repair costs for stationary objects, bail bonds and medical expenses. How much liability coverage do you need? That is up to you, but buy as much as you can afford.

You can do this!

People who switch companies do it for a variety of reasons including high rates after DUI convictions, questionable increases in premium, policy non-renewal and being labeled a high risk driver. It doesn’t matter what your reason, finding a new company is actually quite simple.

When you buy auto insurance online, make sure you don’t skimp on coverage in order to save money. There are too many instances where drivers have reduced physical damage coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase plenty of coverage at a price you can afford.

We covered a lot of ways to get a better price on 2003 Ford Escort insurance. It’s most important to understand that the more you quote auto insurance, the better chance you’ll have of finding affordable auto insurance. Drivers may discover the best premium rates are with an unexpected company.

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