Cheaper 2003 Ford Escort Insurance Rates

Looking for better insurance coverage rates for your Ford Escort? Finding better insurance prices for a Ford Escort can turn out to be a lot of work, but you can follow these tips to save time.

There is a right way and a wrong way to buy insurance coverage and we’ll show you the proper way to get price quotes for a Ford and obtain the lowest possible price.

The quickest way to get policy rate comparisons is to know most larger insurance companies allow for online access to provide you with a free rate quote. To start a quote, the only thing you need to do is give them some information including whether or not you need a SR-22, which vehicles you own, how much you drive, and if you have an active license. Your rating data is then sent to many highly-rated insurers and you get price estimates instantly.

Verify you’re getting all your discounts

Car insurance can cost a lot, but you may find discounts that you may not know about. Some discounts apply automatically when you quote, but some must be specially asked for before being credited. If you’re not getting every credit you deserve, you’re just leaving money on the table.

• One Accident Forgiven – Some insurance companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims for a particular time prior to the accident.
• Discount for New Cars – Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.
• No Claims – Good drivers with no accidents can save substantially compared to drivers who are more careless.
• Fewer Miles Equal More Savings – Low mileage vehicles can earn lower rates on the low mileage vehicles.
• Air Bag Discount – Vehicles with factory air bags or automatic seat belts may earn rate discounts of up to 25% or more.
• Paperless Signup – Certain companies may give you up to $50 just for signing your application over the internet.
• Student in College – Any of your kids living away from home attending college and do not have a car can receive lower rates.
• Use Seat Belts – Requiring all passengers to buckle their seat belts could cut 10% or more off your medical payments premium.

Keep in mind that some of the credits will not apply to all coverage premiums. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Just because you may think all those discounts means the company will pay you, you’re out of luck. But all discounts will cut your premiums.

For a list of companies who offer car insurance discounts, click here to view.

When should I talk to an agent?

When it comes to choosing the best insurance coverage for your vehicles, there really is no “best” method to buy coverage. Every insured’s situation is different.

These are some specific questions may help you determine whether you will benefit from professional help.

• Does my policy cover my teen driver if they drive my company car?
• Are rock chip repairs covered?
• I don’t drive much so do I pay less?
• What is UM/UIM insurance?
• Does coverage extend to Mexico or Canada?
• Who is covered when they drive my 2003 Ford Escort?
• Do I have coverage when using my vehicle for my home business?
• Does coverage extend to my business vehicle?
• Do I get a pro-rated refund if I cancel my policy early?
• Can I rate high risk drivers on liability-only vehicles?

If you can’t answer these questions, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and can help protect your family.

Learn about auto insurance coverages for a 2003 Ford Escort

Having a good grasp of auto insurance helps when choosing which coverages you need and the correct deductibles and limits. Auto insurance terms can be impossible to understand and reading a policy is terribly boring.

Comprehensive coverages

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hail damage, damage from a tornado or hurricane and theft. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision insurance

Collision insurance pays for damage to your Escort from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as sustaining damage from a pot hole, sideswiping another vehicle, backing into a parked car 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 older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Auto liability

Liability coverage protects you from damage or injury you incur to people or other property by causing an accident. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like emergency aid, bail bonds, loss of income and medical expenses. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for expenses like EMT expenses, chiropractic care, nursing services, dental work and prosthetic devices. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these limits are identical to your policy’s liability coverage.