View 1990 Ford Escort Car Insurance Quotes

Looking for the cheapest car insurance rates? Shoppers have options when shopping for the best price on Ford Escort insurance. They can either waste time struggling with agents getting price quotes or leverage the internet to compare rates. There is a right way and a wrong way to buy car insurance and we’ll show you the best way to price shop coverage on a Ford and get the best price possible.

How much does car insurance cost?

All the larger car insurance companies like 21st Century, Allstate and State Farm provide prices for coverage from their websites. Getting prices online is quite simple as all you need to do is type in the amount of coverage you want into the form. Behind the scenes, their system automatically retrieves your driving record and credit report and provides a quote based on these and other factors.

Online quotes streamlines rate comparisons, but the time required to go to a lot of sites and type in the same information is a big time waster. But it’s absolutely necessary to have as many quotes as possible if you want to get the lowest possible prices on car insurance.

A better way to compare rates uses one simple form that analyzes rates from more than one company. It’s a real time-saver, eliminates repetitive work, and makes rate comparisons much more enjoyable. Immediately after you send the form, it is rated and you are able to buy any or none of the price quotes you receive. If the quotes result in lower rates, you can simply submit the application and buy the new coverage. It takes less than 15 minutes and may save quite a bit of money.

To compare rates now, click here to open in new window and input your coverage information. If you have coverage now, it’s recommended you duplicate the coverages identical to your current policy. This makes sure you will receive a fair comparison using the exact same coverages.

You may qualify for discounts

Auto insurance companies don’t always advertise the entire discount list very clearly, so the list below gives a summary of some of the best known as well as the least known credits that you can use to lower your rates.

• Renewal Discounts – Some insurance companies reward drivers for renewing your policy prior to the expiration date on your current policy. This discount can save up to 10%.
• Accident Free – Drivers who don’t have accidents can save substantially in comparison with drivers who are more careless.
• Memberships – Affiliation with a qualifying organization is a good way to get lower rates on your next renewal.
• Low Mileage – Keeping the miles down on your Ford could be rewarded with lower premium rates due to less chance of an accident.
• Discount for Multiple Policies – If you have multiple policies with one insurance company you could earn a discount of at least 10% off all policies.

You can save money using discounts, but most discount credits are not given to the entire policy premium. Most only apply to the cost of specific coverages such as liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, auto insurance companies aren’t that generous.

The best auto insurance companies and a partial list of their discounts include:

• State Farm offers discounts for driver’s education, accident-free, anti-theft, passive restraint, defensive driving training, safe vehicle, and good driver.
• Geico offers premium reductions for multi-vehicle, military active duty, membership and employees, driver training, and daytime running lights.
• Liberty Mutual may have discounts that include new vehicle discount, new move discount, exclusive group savings, teen driver discount, and hybrid vehicle.
• The Hartford includes discounts for vehicle fuel type, defensive driver, good student, anti-theft, and air bag.
• MetLife has discounts for claim-free, good student, multi-policy, good driver, defensive driver, and accident-free.
• Progressive may include discounts for multi-policy, homeowner, multi-vehicle, online signing, online quote discount, and good student.

If you need inexpensive insurance quotes, ask all companies you are considering which discounts can lower your rates. Depending on the company, some discounts may not apply in your state. If you would like to view insurers with the best auto insurance discounts, click here to view.

There’s no such thing as the perfect insurance coverage policy

When it comes to buying coverage, there isn’t really a “best” method to buy coverage. Every insured’s situation is different.

Here are some questions about coverages that can aid in determining if your situation might need an agent’s assistance.

• What is high-risk coverage and where do I buy it?
• Do I have coverage for damage caused while driving under the influence?
• Does my insurance cover a custom paint job?
• What is covered by UM/UIM coverage?
• Will I be non-renewed for getting a DUI or other conviction?
• Do I need added coverage for expensive stereo equipment?
• Am I covered when using my vehicle for business?
• Why does it cost so much to insure a teen driver?
• Do all my vehicles need collision coverage?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form. It’s fast, free and may give you better protection.

Car insurance coverages and their meanings

Having a good grasp of your policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Ford Escort.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for immediate expenses such as dental work, pain medications, EMT expenses and hospital visits. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Coverage for collisions

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

Collision coverage pays for things like colliding with another moving vehicle, hitting a parking meter, crashing into a building, crashing into a ditch and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Liability

Liability insurance can cover damage or injury you incur to people or other property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage pays for claims such as medical expenses, medical services, repair costs for stationary objects and structural damage. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

Comprehensive auto coverage

This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like theft, damage from flooding, vandalism, damage from getting keyed and hitting a bird. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Online plus local equals savings

We just presented many ways to compare 1990 Ford Escort insurance prices online. It’s most important to understand that the more companies you get rates for, the more likely it is that you will get a better rate. You may be surprised to find that the best price on insurance is with a small mutual company.

Cost effective 1990 Ford Escort insurance can be purchased online and also from your neighborhood agents, so you need to quote insurance with both in order to have the best chance of saving money. Some companies do not offer internet price quotes and many times these smaller companies only sell coverage through local independent agencies.

Drivers leave their current company for any number of reasons including poor customer service, being labeled a high risk driver, high rates after DUI convictions and questionable increases in premium. Regardless of your reason, finding a new company is not as hard as you think.

For more information, feel free to browse the following helpful articles:

• Safe Vehicles for Teens (iihs.org)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Insurance Losses by Make and Model (iihs.org)
• Learn About Car Insurance (Geico)