Compare 2002 Ford Escort Insurance Quotes

Sick and tired of paying out the nose to buy car insurance? You are in the same boat as many other drivers.

Numerous insurers battle to insure your vehicles, so it’s not easy to compare every provider to find the absolute best rate

You should take the time to take a look at other company’s rates before your policy renews because prices change regularly. Just because you found the lowest price for Escort insurance a couple years back the chances are good that you can find a lower rate today. So just forget all the misinformation about insurance because you’re about to learn one of the easiest ways to save money, get proper coverage and the best rates.

Low Cost Insurance Coverage

To find the best insurance coverage prices, there are several ways to compare rate quotes and find the best price. The best way to compare 2002 Ford Escort insurance prices consists of shopping online. It is quite easy and can be accomplished in a couple of different ways.

  1. The fastest way to find the lowest comparison rates would be an industry-wide quote request form click to view form in new window. This form prevents you from having to do a different quote for every insurance coverage company. Taking the time to complete one form gets rate comparisons from insurance coverage companies with the best prices.
  2. A less efficient way to compare prices is going to each individual company website and complete a new quote form. For sake of this example, we’ll pretend you want to compare Geico, 21st Century and Liberty Mutual. To get rate quotes you would need to spend time on each company’s site to enter your coverage information, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.

However you get your quotes, make absolute certain that you use exactly the same coverage information for each comparison quote. If each company quotes different limits and deductibles on each one it will be next to impossible to determine which rate is truly the best. Having just a slight variation in insurance coverages could mean much higher rates. And when quoting insurance coverage, remember that comparing a large number of companies helps locate a lower rate.

Drivers who switch save $401 a year? Really?

Insurance coverage providers like Progressive, Allstate and Geico consistently run ads on television and other media. They all make an identical promise that you’ll save big if you change your policy. But how can every company claim to save you money? It’s all in the numbers.

All the different companies can use profiling for the right customer that earns them a profit. For example, a profitable customer could be between the ages of 40 and 55, has no prior claims, and has a high credit rating. Any new insured who matches those parameters receives the best rates and is almost guaranteed to pay quite a bit less when switching companies.

Consumers who don’t measure up to the requirements must pay more money which usually ends up with the driver buying from a lower-cost company. The ad wording is “drivers who switch” but not “drivers who get quotes” save money. That is how companies can truthfully make those claims.

This illustrates why drivers must get a wide range of price quotes. You cannot predict which company will provide you with the cheapest Ford Escort insurance rates.

Save with discounts on Ford Escort insurance

Insurance can be prohibitively expensive, but discounts can save money and there are some available to reduce the price significantly. Certain discounts will be triggered automatically when you get a quote, but less common discounts must be manually applied in order for you to get them.

  • Homeowners Savings – Being a homeowner can save you money because maintaining a house is proof that your finances are in order.
  • New Vehicle Savings – Insuring a new car can save up to 30% due to better safety requirements for new cars.
  • Drivers Education – Cut your cost by having your teen driver take driver’s ed class if it’s offered in school.
  • Low Mileage Discounts – Keeping the miles down on your Ford can qualify you for better rates on cars that stay parked.
  • Passive Restraint Discount – Cars that have air bags can get savings up to 30%.
  • Senior Citizens – Mature drivers may be able to get reduced rates for Escort insurance.
  • Driver Safety – Taking part in a course in driver safety could possibly earn you a 5% discount depending on where you live.

Drivers should understand that some credits don’t apply the the whole policy. A few only apply to specific coverage prices like comp or med pay. Just because you may think having all the discounts means you get insurance for free, it doesn’t quite work that way. But all discounts will help reduce the cost of coverage.

For a list of providers with the best insurance discounts, click here to view.

Tailor your coverage to you

When it comes to choosing adequate coverage, there is no single plan that fits everyone. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions can aid in determining if your situation would benefit from professional advice.

  • Are my friends covered when driving my 2002 Ford Escort?
  • How high should my uninsured/underinsured coverage be in my state?
  • What can I do if my company denied a claim?
  • Which is better, split liability limits or combined limits?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my policy cover my teen driver if they drive my company car?
  • Is rental equipment covered for theft or damage?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Auto insurance coverages explained

Knowing the specifics of your auto insurance policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Listed below are typical coverages found on most auto insurance policies.

Medical expense insurance – Medical payments and Personal Injury Protection insurance pay for bills like chiropractic care, EMT expenses, X-ray expenses and dental work. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover all vehicle occupants as well as 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 – This gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Ford Escort.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Frequently these coverages are similar to your liability insurance amounts.

Comprehensive (Other than Collision) – This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, hitting a deer, rock chips in glass and hail damage. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

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

Collision coverage pays for claims such as crashing into a building, sideswiping another vehicle, damaging your car on a curb, scraping a guard rail and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Auto liability – This coverage will cover damage that occurs to other people or property that is your fault. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like repair costs for stationary objects, loss of income, attorney fees and medical services. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Be a smart shopper

As you shop your coverage around, it’s not a good idea to skimp on coverage in order to save money. There are many occasions where drivers have reduced liability coverage limits only to regret that their decision to reduce coverage ended up costing them more. Your focus should be to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

In this article, we presented many ideas to lower your 2002 Ford Escort insurance rates. The key thing to remember is the more providers you compare, the higher your chance of finding lower rates. Consumers could even find that the lowest rates come from a small local company. These companies can often insure niche markets at a lower cost compared to the large companies like Allstate or State Farm.

Budget-conscious insurance can be purchased online and with local insurance agents, and you need to comparison shop both to have the best selection. Some insurance companies do not offer the ability to get a quote online and these small, regional companies work with independent agents.

Much more information about insurance coverage is located at the links below