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Ford Escort Insurance Rates

Comparing car insurance through online companies is easy and there is a good chance you will probably save money. The key is to take the time to get rates from all companies so you can compare the lowest priced insurance.

Beginners to shopping for insurance may think purchasing low-cost Escort insurance is difficult. To find the best car insurance prices, there are several ways of comparing rates from different insurance companies. The best method to find the lowest Escort insurance cost involves getting comparison quotes online. This can be accomplished by visiting this page.

Insurance rates on a Ford Escort can vary widely based upon several criteria. Some of these factors include:

  • Your driving record
  • Credit rating
  • Male rates may be higher
  • Higher deductibles save money
  • Safety rating of your Escort
  • Your profession
  • The level of coverage
  • Whether you own your home

One last important factor that can impact the rate you pay on your Ford is the year of manufacture. Used vehicles cost less so the cost to replace them will push premiums down. Conversely, newer vehicles may have options such as tire pressure monitors, traction control, and adaptive cruise control which can provide discounts that lower premiums.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle below.

Coverage for liability - Liability insurance can cover damage that occurs to people or other property. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so purchase higher limits if possible.

Collision coverage - This coverage covers damage to your Ford resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage for your Escort can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) - This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout you'll receive from a claim is the actual cash value, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage - Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Because many people only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

Insurance for medical payments - Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. PIP is not an option in every state but can be used in place of medical payments coverage.

How Much are Ford Escort Insurance Rates?