2001 Ford Escort Insurance Quotes

Searching for the cheapest auto insurance rates for your Ford Escort? Locating the cheapest insurance for a Ford Escort can normally be a painful process, but you can learn a few tricks to save time. There are more efficient ways to buy auto insurance so you’re going to learn the best way to price shop coverage for a new or used Ford and obtain the best price possible from both online companies and local agents.

You should take the time to check auto insurance prices every six months because prices are constantly changing. Even if you think you had the best price for Escort insurance a year ago you will most likely find a better rate today. So just forget all the misinformation about auto insurance because you’re about to learn one of the quickest ways to save money, get proper coverage and the best rates.

If you have insurance now or need a new policy, you can use this information to cut your premiums while maintaining coverages. Locating cheaper insurance coverage is not that difficult. Vehicle owners just need to know the most effective way to find the lowest price on the web.

Are you getting all your discounts?

Companies offering auto insurance don’t always publicize every discount in an easy-to-find place, so we researched both well-publicized and also the lesser-known savings tricks you should be using. If they aren’t giving you every credit possible, you are throwing money away.

  • Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts can receive discounts up to 30%.
  • Safety Course Discount – Taking a defensive driving course could possibly earn you a 5% discount if you qualify.
  • Seat Belt Usage – Requiring all passengers to wear their seat belts could save 15% off your medical payments premium.
  • Distant Student – Kids in college who are attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Employee of Federal Government – Simply working for the federal government could cut as much as 10% off for Escort insurance with select insurance companies.
  • More Vehicles More Savings – Having multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Accident Free – Drivers with accident-free driving histories pay much less compared to frequent claim filers.
  • Sign Early and Save – Select companies give a discount for switching policies before your current expiration date. It can save you around 10%.

Drivers should understand that some credits don’t apply to the entire policy premium. Most only apply to individual premiums such as comp or med pay. So when it seems like all those discounts means the company will pay you, companies wouldn’t make money that way.

Insurance companies who might offer some of the above discounts include:

Double check with each insurance company how you can save money. All car insurance discounts may not apply everywhere.

Factors that might impact rates for a Ford Escort

Consumers need to have an understanding of some of the elements that go into determining your insurance rates. Having a good understanding of what determines base rates empowers consumers to make smart changes that could result in lower insurance prices.

  • Don’t sacrifice liability coverage – Liability insurance will protect you if ever a court rules you are at fault for causing damage or personal injury in an accident. It will provide legal defense starting from day one. This coverage is very inexpensive compared to physical damage coverage, so buy as much as you can afford.
  • Adjust deductibles and save – Deductibles for physical damage define the amount you are willing to pay out-of-pocket in the event of a claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. A few examples of covered claims are running into the backend of another car, damage from fire, and windstorm damage. The higher the amount you have to pay, the less your insurance will be for Escort insurance.
  • Small claims can cost you – If you file claims often, you can definitely plan on higher rates. Companies provide cheaper rates to policyholders who do not file claims often. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.
  • Extra add-on coverages are wasting money – There are a ton of additional coverages you can purchase on your insurance policy. Insurance for vanishing deductibles, better glass coverage and additional equipment coverage may be costing you every month. These coverages may sound good when talking to your agent, but now you might not need them so eliminate the coverages to reduce your premium.
  • Choose a safe vehicle and save – Vehicles with high crash test scores are cheaper to insure. Safe vehicles have better occupant injury protection and lower injury rates translates into savings for insurance companies and thus lower rates. If your Ford has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • A lapse in coverage is a bad thing – Allowing your coverage to lapse is a sure-fire way to trigger a rate increase. And not only will your rates increase, but being ticketed for driving with no insurance might get you a steep fine or even jail time.
  • Proper usage rating affects rates – The more miles you rack up on your Ford in a year’s time the higher your rates will be. Almost all companies apply a rate based on their usage. Vehicles used primarily for pleasure use get more affordable rates as compared to vehicles used primarily for driving to work. Having the wrong rating on your Escort may be wasting your money. Double check that your insurance policy is showing how each vehicle is driven.

When might I need an agent?

When it comes to buying the right insurance coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s needs are different.

For example, these questions might help in determining whether you will benefit from professional help.

  • Why do I need rental car insurance?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Should I buy more coverage than the required minimum liability coverage?
  • Is a fancy paint job covered?
  • Is my state a no-fault state?
  • Should I drop comprehensive coverage on older vehicles?
  • How can I get high-risk coverage after a DUI?
  • I have a DUI can I still get coverage?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form. It’s fast, free and may give you better protection.

Auto insurance 101

Having a good grasp of a insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for bills like chiropractic care, dental work, X-ray expenses, surgery and rehabilitation expenses. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Ford Escort.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Liability auto insurance

Liability insurance protects you from damage that occurs to other people or property that is your fault. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability can pay for things like funeral expenses, bail bonds and attorney fees. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like damage from getting keyed, a tree branch falling on your vehicle, hitting a deer and rock chips in glass. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for collisions

This will pay to fix damage to your Escort resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like scraping a guard rail, backing into a parked car, driving through your garage door, colliding with another moving vehicle and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Never pay more for less

We just covered a lot of techniques to get a better price on 2001 Ford Escort insurance. It’s most important to understand that the more quotes you get, the better likelihood of reducing your rate. You may be surprised to find that the lowest premiums are with a lesser-known regional company.

As you prepare to switch companies, do not reduce coverage to reduce premium. There have been many cases where someone dropped liability limits or collision coverage and discovered at claim time that the few dollars in savings costed them thousands. The proper strategy is to buy the best coverage you can find for the lowest price while still protecting your assets.

People switch companies for any number of reasons including extreme rates for teen drivers, high prices, policy non-renewal or even not issuing a premium refund. No matter why you want to switch, choosing a new company can be easy and end up saving you some money.

More detailed insurance information is available at these sites: