Looking for cheaper auto insurance rates for your Ford Escort? If price shopping auto insurance quotes online is new to you, you can be bewildered insurance agents and companies offering coverage.
Smart consumers take time to compare prices before your policy renews because insurance prices change quite often. Even if you think you had the best rate for Escort insurance a few years ago you may be paying too much now. Forget anything you know (or think you know) about auto insurance because I’m going to teach you how to use online quotes to reduce your cost while increasing coverage.
Effectively comparing insurance coverage prices can be exhausting if you aren’t aware of the easiest way. You can spend countless hours talking about coverages with insurance agencies in your area, or you can stay home and use the web to get rates in a matter of minutes.
Many companies take part in a program that enables customers to enter their policy data once, and every company returns a competitive quote determined by their information. This eliminates the need for repetitive form submissions to every company.
To participate in this free quote system, click here to open in new window.
The single downside to pricing coverage this way is you cannot specify which providers to get pricing from. So if you prefer to pick specific providers to compare, we put together a list of insurance coverage companies in your area. Click to view list.
Take whichever approach you prefer, but be sure you’re using the exact same coverage data for each comparison quote. If you are comparing different limits and deductibles on each one it’s not possible to determine which rate is truly the best. Having just a slight variation in coverage limits can mean a large discrepancy in price. Just keep in mind that comparing more rates from different companies helps locate more affordable insurance.
Some companies do not advertise their entire list of discounts in an easy-to-find place, so the following is a list of a few of the more well known and the more hidden credits available to lower your premiums when you buy auto insurance online.
Policy discounts save money, but some credits don’t apply to all coverage premiums. Most only apply to individual premiums such as medical payments or collision. Even though it appears you would end up receiving a 100% discount, companies don’t profit that way.
Auto insurance companies that may offer quotes with these benefits may include but are not limited to:
Before purchasing a policy, check with each company the best way to save money. Discounts may not apply in your area. If you would like to see a list of insurers that offer discounts, click here to view.
When choosing the right insurance coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs.
For instance, these questions can aid in determining if your situation might need professional guidance.
If you can’t answer 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, take a second and complete this form.
Having a good grasp of your car insurance policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.
Coverage for liability
This provides protection from injuries or damage you cause to a person or their property in an accident. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.
Liability can pay for things such as court costs, medical services, loss of income, legal defense fees and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.
Medical expense insurance
Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as doctor visits, ambulance fees, nursing services, prosthetic devices and X-ray expenses. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers you and your occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay
Comprehensive (Other than Collision)
This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage protects against claims such as falling objects, damage from getting keyed and rock chips in glass. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Protection from uninsured/underinsured drivers
This provides protection from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and damage to your Ford Escort.
Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Normally the UM/UIM limits do not exceed the liability coverage limits.
This pays for damage to your Escort caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.
Collision insurance covers things like crashing into a ditch, colliding with a tree, sideswiping another vehicle, hitting a parking meter and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.