Cheap 1999 Ford Escort Car Insurance Cost

Overpriced Ford Escort insurance can take a big chunk out of your personal savings and make it hard to pay other bills. Comparison shopping is a smart way to cut your insurance bill.

Popular companies such as Geico, Farmers Insurance and State Farm continually bombard you with catchy ads and it is difficult to ignore the propoganda and find the best price available.

You need to take a look at other company’s rates occasionally due to the fact that insurance rates trend upward over time. Despite the fact that you may have had the best deal for Escort insurance six months ago you can probably find a better price now. So just block out anything you think you know about car insurance because it’s time to teach you one of the quickest ways to find better rates and still maintain coverage.

If you have car insurance now, you will be able to lower your premiums substantially using these tips. Choosing the best insurance company for you is not that difficult. But vehicle owners do need to learn how companies sell online and take advantage of how the system works.

Fast and Easy Car Insurance Quotes

There are several ways to compare Ford Escort car insurance quotes, but some are less time-consuming than others. You can spend countless hours discussing policy coverages with insurance companies in your area, or you can utilize the internet to achieve your goal.

Many of the larger companies are enrolled in a marketplace that allows shoppers to send in one quote, and at least one company returns a rated price based on that data. This system prevents you from having to do form submissions to every company.

To find out how much you’re overpaying now click to open in new window.

One minor caviat to pricing coverage this way is you are unable to specify which carriers you want to price. If you would rather choose from a list of companies for rate comparison, we have a page of low cost car insurance companies in your area. Click here to view list.

Which method you use is up to you, but ensure you are comparing identical deductibles and coverage limits on every quote. If you enter different values for each quote it will be very difficult to determine which rate is truly the best. Quoting even small variations in insurance coverages may cause a big price difference. And when comparison shopping, comparing a large number of companies will increase your chances of finding the best rates.

Do car insurance companies bend the truth?

Companies like State Farm and Allstate regularly use ads in print and on television. All the ads have a common claim that you’ll save big if you move your policy. How can each company claim to save you money?

Different companies can use profiling for the type of driver that makes them money. An example of a driver they prefer could be over the age of 40, has no prior claims, and has excellent credit. A customer getting a price quote who meets those qualifications will get very good rates and as a result will probably save when switching.

Drivers who don’t meet these standards must pay higher rates which usually ends up with business going elsewhere. The ads say “drivers who switch” not “people who quote” save money. That’s the way companies can truthfully claim big savings. This illustrates why it’s extremely important to compare many company’s rates. Because you never know which company will provide you with the cheapest Ford Escort insurance rates.

Factors that might impact rates for a Ford Escort

It’s important that you understand some of the elements that go into determining your auto insurance rates. Knowing what impacts premium levels allows you to make educated decisions that could result in big savings.

Listed below are some of the factors companies use to determine premiums.

  • Being married is a good thing – Getting married actually saves money on auto insurance. Having a significant other means you’re more mature than a single person and statistics show drivers who are married are more cautious.
  • Adjust deductibles and save – Deductibles for physical damage define the amount you are required to spend out-of-pocket if you file a covered claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. A few examples of covered claims are running into the backend of another car, vandalism, and windstorm damage. The higher the amount you have to pay, the bigger discount you will receive for Escort insurance.
  • A lapse in coverage is a bad thing – Not having insurance is against the law and you will pay a penalty because you let your insurance lapse. Not only will you pay more, getting caught without coverage will get you a revoked license or a big fine.You may have to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
  • Little extras can really add up – There are a ton of extra bells and whistles that you can buy on your auto insurance policy. Coverages like vanishing deductibles, towing coverage and membership fees may be costing you every month. They may seem good at first, but your needs may have changed so get rid of them and save.
  • Men fork out a little more – Statistics show women are more cautious behind the wheel. However, this does not mean women are BETTER drivers than men. Women and men have accidents at about the same rate, but the men have costlier accidents. Men also statistically receive more costly citations like reckless driving and DUI. Young males are several times more likely to be in an accident and therefore have the most expensive auto insurance rates.
  • Consolidate policies to earn discounts – Some auto insurance companies will award you with lower prices to customers who carry more than one policy, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s in your best interest to compare rates to make sure you are getting the best deal. Drivers may still find better rates by insuring with multiple companies.
  • The more you drive the more you pay – The higher the mileage driven in a year the more you will pay for auto insurance. Most insurance companies apply a rate based on how the vehicle is used. Vehicles that are left in the garage qualify for better rates compared to those used for work or business. An improperly rated Escort can result in significantly higher rates. Verify your auto insurance declarations sheet is rated on the correct usage for each vehicle.

Cut your premium with discounts

Auto insurance companies don’t necessarily list every available discount in a way that’s easy to find, so we break down some of the more common as well as the least known insurance savings.

  • Good Student Discount – Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
  • Early Switch Discount – A few companies offer discounts for signing up before your current policy expires. It’s a savings of about 10%.
  • Auto/Life Discount – Select insurance companies reward you with a break if you buy a life insurance policy as well.
  • Drive Less and Save – Fewer annual miles on your Ford could qualify for lower rates on the low mileage vehicles.
  • E-sign – A few companies may give you up to $50 for buying a policy and signing up over the internet.
  • Driver Safety – Successfully completing a course teaching defensive driving skills could cut 5% off your bill if your company offers it.
  • Distant Student – Any of your kids who are attending college and do not have access to a covered vehicle may qualify for this discount.

It’s important to understand that some credits don’t apply to the entire cost. Most only reduce individual premiums such as comprehensive or collision. So when it seems like all those discounts means the company will pay you, it doesn’t quite work that way.

A partial list of companies that possibly offer these money-saving discounts are:

Double check with all companies you are considering what discounts are available to you. All car insurance discounts may not apply in every state.

What is the best insurance coverage?

When buying proper insurance coverage for your vehicles, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions may help highlight whether or not you would benefit from an agent’s advice.

  • Do all my vehicles need collision coverage?
  • Does coverage extend to a rental car in a foreign country?
  • Are all vehicle passengers covered by medical payments coverage?
  • How do I insure my teen driver?
  • Does coverage extend to Mexico or Canada?
  • Is a blown tire covered by insurance?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Coverage specifics

Having a good grasp of a insurance policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverage types offered by insurance companies.

Liability coverages

This provides protection from damage or injury you incur to a person or their property. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims like funeral expenses, structural damage, medical services and bail bonds. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive insurance

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from getting keyed, damage from flooding, fire damage and hitting a bird. 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 not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your 1999 Ford Escort.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for bills for surgery, X-ray expenses, rehabilitation expenses, funeral costs and EMT expenses. They are utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage

Collision insurance pays for damage to your Escort caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as colliding with another moving vehicle, sideswiping another vehicle and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Save your hard earned cash

As you prepare to switch companies, make sure you don’t skimp on critical coverages to save a buck or two. There have been many situations where someone dropped liability limits or collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.

Lower-priced 1999 Ford Escort insurance can be found on the web as well as from independent agents, and you need to comparison shop both to get a complete price analysis. Some car insurance companies don’t offer online price quotes and these small insurance companies work with independent agents.

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