Compare 1996 Ford Escort Car Insurance Quotes

Trying to find cheaper insurance rates for your Ford Escort? Comparing insurance quotes online could seem overwhelming if you are like most people and have never completed online quoting. But keep reading because online price shopping is actually quite simple.

If you currently have a car insurance policy, you should be able to cut costs considerably using this strategy. Locating the lowest cost insurance coverage coverage is quite easy. Nevertheless, vehicle owners must know how insurance companies sell online and use this information to your advantage.

Free insurance price quotes

When looking for low cost insurance quotes, there are a couple ways of comparing price quotes from many different insurance companies. The best method to lower the rate you pay for 1996 Ford Escort insurance consists of shopping online. It is quite easy and can be accomplished in just a few minutes using one of these methods.

• The easiest and least time consuming way to find low rates is a comparison rater form like this one (opens in new window). This quick form keeps you from doing separate quote forms for every insurance company. Just one form compares rates instantly. It’s definitely the quickest method.
• A more difficult way to shop for insurance online is spending the time to visit each company’s website to complete their respective quote request forms. For example, we’ll pretend you want to see prices from Liberty Mutual, Allstate and American Family. To find out each rate you need to visit each site to enter your coverage information, which can get old fast. To view a list of companies in your area, click here.
• The hardest method to comparison shop rate quotes is driving around to different agent offices. Comparing rates online makes this unnecessary unless you have a complicated situation and need the peace of mind of a local agency. Although you can price shop online and get advice from an agent in your area.

It doesn’t matter which method you choose, just make sure you use nearly identical coverage data for every company. If you enter different data it will be nearly impossible to determine which rate is truly the best. Quoting even small variations in coverage limits could skew the results. Just keep in mind that comparing a large number of companies helps you find lower pricing.

Pay discount rates with these discounts

Some companies don’t list their entire list of discounts in a way that’s easy to find, so here is a list a few of the more common and the harder-to-find discounts that may be available.

• More Vehicles More Savings – Purchasing coverage when you have multiple cars with one company may reduce the rate for each vehicle.
• Student Discount for Driver Training – Teen drivers should enroll in driver’s education as it can save substantially.
• Safe Driver Discount – Insureds who avoid accidents can save up to 40% or more on their insurance quote on Escort coverage than less cautious drivers.
• Passenger Safety Discount – Cars that have air bags or motorized seat belts can qualify for discounts of 25 to 30%.
• Save with a New Car – Buying a new car model can save up to 30% because newer vehicles are generally safer.
• Anti-theft Discount – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and will save you 10% or more.
• Accident Waiver – This one isn’t a discount, but some companies like State Farm and Geico will turn a blind eye to one accident before hitting you with a surcharge so long as you are claim-free for a specific time period.
• No Claim Discounts – Drivers who don’t have accidents get the best insurance coverage rates when compared to accident-prone drivers.
• Employee of Federal Government – Having worked for a branch of the government may qualify for a discount when you quote insurance on Escort coverage but check with your company.

A little note about advertised discounts, some credits don’t apply to the entire policy premium. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Despite the fact that it seems like it’s possible to get free car insurance, nobody gets a free ride. But all discounts will help reduce your policy premiums.

Insurance companies that may include most of these discounts include:

• Geico
• SAFECO
• State Farm
• MetLife
• 21st Century
• Progressive

If you want cheaper insurance quotes, ask each insurance company which credits you are entitled to. Depending on the company, some discounts may not apply in your area. If you would like to choose from a list of companies that offer some of these discounts, follow this link.

Your situation helps dictate your coverage

When choosing the right insurance coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s situation is a little different.

For example, these questions can help discover if your situation would benefit from professional advice.

• How much liability do I need to cover my assets?
• Does my car insurance cover rental cars?
• Is business property covered if stolen from my car?
• Should I buy additional glass protection?
• Is my vehicle covered by my employer’s policy when using it for work?
• Where can I find DUI or SR-22 insurance?
• Do I need replacement cost coverage?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form.

The coverage is in the details

Learning about specific coverages of auto insurance aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Liability

This will cover damages or injuries you inflict on people or other property. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, 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 a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers things such as medical expenses, court costs and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Auto collision coverage

Collision coverage covers damage to your Escort resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as hitting a parking meter, colliding with another moving vehicle, sustaining damage from a pot hole, colliding with a tree and damaging your car on a curb. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for 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. Frequently these limits are set the same as your liablity limits.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for expenses such as dental work, surgery, rehabilitation expenses, prosthetic devices and pain medications. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, fire damage, hitting a deer and falling objects. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.