Trying to find better car insurance rates for your Ford Escort? Having to pay for overpriced Ford Escort insurance can bleed your bank account and force you to make tough financial choices. Doing a rate comparison can lower your rates and help to ensure you are getting the best deal.
Numerous car insurance companies battle for your business, and because of this it can be hard to compare insurance companies to get the cheapest price
There are a variety of methods to shop for insurance, but one way is less time-consuming than others. You could waste time talking to insurance companies in your area, or you can utilize online quoting to achieve your goal.
All the larger companies belong to an insurance system that enables customers to complete one form, and each company returns a competitive quote based on that information. This system prevents you from having to do quote requests for each company.
To find out how much you’re overpaying now click here to open in new window.
The single downside to pricing coverage this way is you can’t choose which insurance companies to receive prices from. So if you prefer to choose specific insurance companies to compare rates, we put together a list of the cheapest insurance companies in your area. Click here for list of insurance companies.
Whichever way you use, try to use exactly the same coverages for every company. If you have different liability limits it’s impossible to truly determine the lowest rate.
When it comes to buying adequate coverage, there really is no perfect coverage plan. Everyone’s situation is unique so this has to be addressed. For instance, these questions can help discover whether you will benefit from professional help.
If you can’t answer these questions, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.
Learning about specific coverages of your policy aids in choosing the best coverages and proper limits and deductibles. Insurance terms can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages available from insurance companies.
This coverage provides protection from damage or injury you incur to people or other property in an accident. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.
Coverage consists of three different limits, 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 a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Another option is a combined limit which provides one coverage limit rather than limiting it on a per person basis.
Liability coverage protects against claims such as medical expenses, structural damage and legal defense fees. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.
Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your Ford Escort.
Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Most of the time these coverages are identical to your policy’s liability coverage.
Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for claims like rolling your car, crashing into a ditch and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.
Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims like damage from a tornado or hurricane, vandalism, hitting a bird and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.
Med pay and PIP coverage reimburse you for bills like nursing services, dental work, X-ray expenses and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay