1993 Ford Escort Insurance Quotes – 5 Tricks for Cheapest Rates

Want better car insurance rates for your Ford Escort? Buying the lowest cost car insurance on the web may seem to be overwhelming for drivers that are not comfortable with quoting and comparing prices on the internet. With so many options of insurance companies available, how can you even start to compare them all to find better rates?

Don’t overlook these five insurance coverage discounts

Some companies don’t list the entire discount list very well, so we took the time to find some of the best known and the harder-to-find credits that may apply to you. If you do not double check each discount you qualify for, you are just wasting money.

• Good Students Pay Less – A discount for being a good student could provide a savings of up to 20% or more. Earning this discount can benefit you until age 25.
• Discounts for Federal Employees – Active or retired federal employment can save as much as 8% for Escort coverage with select insurance companies.
• Clubs and Organizations – Participating in a civic or occupational organization could trigger savings when shopping for insurance coverage.
• Multiple Policy Discount – If you have multiple policies and insure them with the same company you could earn a discount of over 10 percent off each policy depending on the company.
• Early Payment Discounts – By making one initial payment rather than paying monthly you could save up to 5%.

Don’t be surprised that most credits do not apply to your bottom line cost. A few only apply to specific coverage prices like comp or med pay. Even though the math looks like it’s possible to get free car insurance, it just doesn’t work that way. But all discounts should help reduce your policy cost.

Some of the larger companies who might offer most of these discounts include:

• State Farm
• Geico
• Liberty Mutual
• The Hartford
• MetLife
• Progressive

When getting a coverage quote, ask each insurance company which discounts can lower your rates. Depending on the company, some discounts might not be offered everywhere. To see companies who offer discounts, click here to view.

When to get professional advice

When it comes to buying the right insurance coverage, there really is no perfect coverage plan. Your needs are not the same as everyone else’s.

For instance, these questions could help you determine if you might need an agent’s assistance.

• Should I put collision coverage on all my vehicles?
• How many claims can I have before being cancelled?
• Will I lose any money if I cancel my policy before it expires?
• What is UM/UIM insurance?
• Do I need roadside assistance coverage?
• Is my nanny covered when driving my vehicle?
• Am I missing any policy discounts?
• How do I buy GAP insurance?
• I have health insurance so do I need medical payments coverage?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form.

Educate yourself about auto insurance coverages

Having a good grasp of a auto insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for short-term medical expenses like EMT expenses, funeral costs and ambulance fees. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

This pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as crashing into a building, colliding with a tree, hitting a mailbox, driving through your garage door and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance 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 protects against things such as hitting a bird, a tree branch falling on your vehicle, vandalism, falling objects and damage from a tornado or hurricane. The highest amount your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto liability

This coverage protects you from damage or injury you incur to other’s property or people by causing an accident. It protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. 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 such as pain and suffering, loss of income and legal defense fees. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and damage to your Ford Escort.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

A little work can save a LOT of money

Cost effective 1993 Ford Escort insurance can be sourced from both online companies and also from your neighborhood agents, so you need to quote insurance with both in order to have the best price selection to choose from. Some insurance coverage companies may not have online price quotes and these regional carriers sell through independent agents.

Insureds change insurance companies for a number of reasons such as not issuing a premium refund, poor customer service, policy non-renewal and being labeled a high risk driver. It doesn’t matter why you want to switch switching insurance coverage companies is not as difficult as it may seem.

In this article, we covered a lot of techniques to compare 1993 Ford Escort insurance prices online. The key concept to understand is the more rate comparisons you have, the higher your chance of finding cheaper insurance. You may even find the lowest prices come from some of the smallest insurance companies.

More learning opportunities

• Prepare your Teens for Safe Driving (InsureUonline.org)
• Teen Driving Statistics (iihs.org)
• Five Mistakes to Avoid (Insurance Information Insitute)
• Auto Insurance Learning Center (State Farm)