Compare 1996 Ford Escort Insurance Quotes

Trying to find better auto insurance rates for your Ford Escort? Overpriced Ford Escort insurance can drain your personal savings and force you to prioritize other expenses. Doing a price comparison is a great way to slash your bill and have more diposable income.

Companies like State Farm, Progressive and Geico all promote huge savings with ad campaigns and consumers find it hard to see through the cute green geckos and mayhem and take the time to shop coverage around.

If you have car insurance now, you will be able to lower your premiums substantially using these tips. Finding affordable coverage is not that difficult. But car owners need to have an understanding of how big insurance companies compete online and use this information to your advantage.

Factors that might impact rates for a Ford Escort

An important part of buying insurance is that you know the different types of things that help determine the rates you pay for insurance coverage. Understanding what influences your rates allows you to make educated decisions that may reward you with big savings.

  • Your stress level may be raising your rates – Occupations such as doctors, executives and financial analysts tend to have higher average rates attributed to high stress and long work hours. Conversely, occupations like farmers, engineers and the unemployed receive lower rates for Escort coverage.
  • Save money with special equipment – Purchasing a vehicle with an alarm system can get you a discount on your insurance coverage. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your vehicle from being stolen.
  • Mature drivers pay less – Mature drivers are viewed as being more responsible, tend to cause fewer accidents and tend to be better behind the wheel. Teenage drivers are known to be more careless in a vehicle therefore insurance coverage rates are much higher.
  • Do you need the policy add-ons? – There are quite a few add-on coverages that can waste your money on your insurance coverage policy. Things like roadside assistance, accident forgiveness and motor club memberships may be wasting your money. They may seem like a good idea when you first buy your policy, but if you don’t need them remove them from your policy.
  • What are your deductibles? – The deductibles define the amount you are required to spend out-of-pocket before your insurance coverage pays a claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Some instances where coverage would apply are running into the backend of another car, vandalism, and windstorm damage. The higher the amount you are required to pay out-of-pocket, the bigger discount you will receive for Escort coverage.
  • Rate your vehicle for proper use – The higher the mileage driven each year the higher your rates will be. Most insurance companies rate vehicles based on their usage. Autos that are left in the garage receive lower rates compared to those used for work or business. An improperly rated Escort can result in significantly higher rates. Verify your insurance coverage declarations sheet is rated on the correct usage for each vehicle, because improper ratings can cost you money.

Be sure to get all your discounts

Car insurance can cost a lot, but you can get discounts that many people don’t even know exist. Larger premium reductions will be automatically applied at quote time, but lesser-known reductions have to be specifically requested before they will apply.

  • Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Employee of Federal Government – Being employed by or retired from a federal job may qualify you for a discount for Escort coverage depending on your company.
  • Auto/Life Discount – Companies who offer life insurance give better rates if you take out auto and life insurance together.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle their seat belts can save up to 15% off your PIP or medical payments premium.
  • Claim Free – Good drivers with no accidents pay less as compared to accident-prone drivers.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.
  • Save with a New Car – Adding a new car to your policy can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Safety Course Discount – Successfully completing a driver safety course could possibly earn you a 5% discount if your company offers it.

Consumers should know that most discounts do not apply the the whole policy. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like all the discounts add up to a free policy, it just doesn’t work that way. Any qualifying discounts will reduce the cost of coverage.

A partial list of companies that may offer these discounts may include but are not limited to:

It’s a good idea to ask each company which discounts you may be entitled to. Discounts might not be offered in every state.

How do I know if I need professional advice?

When it comes to buying the right insurance coverage for your personal vehicles, there really is no one size fits all plan. Each situation is unique so your insurance should reflect that For example, these questions could help you determine whether your personal situation could use an agent’s help.

  • Are split liability limits better than a combined single limit?
  • Should I have a commercial auto policy?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is my Ford Escort covered if I use it for business?
  • Do I need to file an SR-22 for a DUI in my state?
  • Is my cargo covered for damage or theft?
  • When should my teen driver be added to my policy?
  • Should I drop comprehensive coverage on older vehicles?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Coverages available on your car insurance policy

Learning about specific coverages of your policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. These are the usual coverages found on most car insurance policies.

Coverage for collisions

Collision coverage pays for damage to your Escort resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as rolling your car, colliding with a tree and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Ford Escort.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as prosthetic devices, hospital visits, nursing services, funeral costs and doctor visits. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive car insurance

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as fire damage, hitting a deer and vandalism. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability car insurance

This can cover damage that occurs to a person or their property in an accident. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like structural damage, pain and suffering, medical services and medical expenses. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Coverage on a shoestring budget

Budget-conscious 1996 Ford Escort insurance can be purchased online and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies may not provide the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

We covered a lot of techniques to shop for insurance online. It’s most important to understand that the more you quote, the better your chances of lowering your rates. Drivers may discover the best price on insurance is with a smaller regional carrier. Smaller companies may only write in your state and offer lower rates than the large multi-state companies such as State Farm, Geico and Nationwide.

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