Compare 2000 Ford Escort Insurance Quotes

Shoppers have a choice when shopping for low-cost Ford Escort insurance. They can either spend hours contacting agents trying to get quotes or use the internet to get rate quotes.

There is a right way and a wrong way to compare insurance coverage rates and we’ll show you the quickest way to quote coverages for a Ford and find the lowest price.

This article will teach you how car insurance quotes work. If you currently have a car insurance policy, you will be able to cut costs considerably using this strategy. Drivers only need to know how to shop for auto insurance over the internet.

Discounts for lower-cost insurance coverage rates

Not many people think insurance is cheap, but you may qualify for discounts that you may not even know about. Most are applied at the time of quoting, but a few must be requested specifically before they will apply.

• Passive Restraints and Air Bags – Vehicles with factory air bags can qualify for discounts of 20% or more.
• Discounts for Safe Drivers – Accident-free drivers can get discounts for up to 45% lower rates for Escort coverage than their less cautious counterparts.
• Accident Free – Drivers who don’t have accidents pay much less in comparison to frequent claim filers.
• Payment Method – By making one initial payment instead of making monthly payments you could save up to 5%.
• Paperless Signup – Some of the larger companies may give you up to $50 for buying a policy and signing up over the internet.
• Club Memberships – Being in specific professional or occupational memberships or organizations may earn a discount on your next insurance coverage statement.
• Onboard Data Collection – Insureds who allow their company to scrutinize vehicle usage by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate might see lower rates as long as the data is positive.

We need to note that many deductions do not apply to the overall cost of the policy. A few only apply to specific coverage prices like comp or med pay. Even though it may seem like you could get a free insurance coverage policy, insurance coverage companies aren’t that generous.

Insurance companies that may have many of the previously listed discounts include:

• State Farm
• Progressive
• Progressive
• MetLife
• Farm Bureau
• Geico
• SAFECO

If you want the cheapest insurance quotes, ask every company how you can save money. Savings might not be offered on policies in your state. If you would like to see a list of insurers with the best insurance coverage discounts, follow this link.

The quickest method to compare car insurance rates is to realize all the major auto insurance companies provide online access to give you rate quotes. All you need to do is give them rating details including what your job is, marital status, if it has an alarm system, and the year, make and model of vehicles. Your rating data is automatically sent to multiple insurance providers and you receive quotes instantly.

To check rates for your 2000 Ford Escort now, click here then complete the form.

Learn how to lower your insurance prices

Lots of things are considered when quoting car insurance. Some of the criteria are obvious like a motor vehicle report, but others are not as apparent such as whether you are married and annual miles driven.It’s important that you understand some of the factors that aid in calculating your car insurance rates. If you understand what determines base rates, this allows you to make educated decisions that will entitle you to big savings.

Shown below are some of the items companies use to determine your prices.

• Do you know your deductibles? – Comprehensive and collision coverage deductibles state the amount of money you are required to spend if a covered claim is submitted. Physical damage protection, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some examples of claims that would be covered are colliding with a stationary object, collision with a deer, and damage caused by road hazards. The higher the amount you’re willing to pay, the lower your rates will be for Escort coverage.
• Rate your vehicle for proper use – The more you drive your Ford in a year the more you will pay for car insurance. Most insurance companies charge rates partially by how you use the vehicle. Cars left parked in the garage can be on a lower rate level than those that get driven frequently. Double check that your declarations sheet states annual mileage. An incorrectly rated Escort is throwing money out the window.
• Multi-policy discounts can save money – Lots of insurance companies give a discount to insureds that purchase more than one policy in the form of a multi-policy discount. Even if you qualify for this discount already, you still need to compare other company rates to confirm you are receiving the best rates possible.
• Bad credit hurts insurance premiums – Credit score is likely to be a major factor in your rate calculation. If your credit history leaves room for improvement, you may save money insuring your 2000 Ford Escort if you improve your credit rating. Drivers with high credit scores tend to be better risks to insure than drivers with poor credit scores.
• Vehicle options that lower rates – Choosing to buy a car with an alarm system can save you some money. Theft deterrent systems like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help stop auto theft and help lower rates.
• Men drivers tend to cost more – Over the last 30 years, statistics show that females tend to be a little less risky than males. This data doesn’t prove that males are worse at driving than females. Males and females cause at-fault accidents in similar numbers, but males cause more damage. Men also receive more costly citations such as driving while intoxicated (DWI) or driving recklessly.
• Certain occupations raise rates – Did you know that where you work can have an impact on rates? Careers like fire fightersairline pilots and stock brokers generally have higher premium rates because of job stress and long work hours. On the other hand, occupations such as scientists, athletes and retirees have lower than average premiums for Escort coverage.

Tailor your auto insurance coverage to you

When choosing coverage for your vehicles, there is no “best” method to buy coverage. Each situation is unique.

These are some specific questions might help in determining whether you would benefit from an agent’s advice.

• Am I covered if I crash into my own garage door?
• Is my trailer covered?
• Do I really need UM/UIM coverage?
• Does liability extend to a camper or trailer?
• Exactly who is provided coverage by my policy?
• Does my insurance cover a custom paint job?
• Does my 2000 Ford Escort need full coverage?
• Do I need PIP (personal injury protection) coverage in my state?
• Do I need added coverage for expensive stereo equipment?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Big brands don’t always mean big savings

Consumers can’t ignore all the ads that claim the best rates from the likes of 21st Century, Allstate and State Farm. All the ads try to convey promises that you can save just by switching to their company.

Is it even possible that every company can charge you a lower premium? This is the way they can do it.

Many companies have specific guidelines for a prospective insured that earns them a profit. An example of a profitable risk profile might be described as a married male, owns their home, and does not commute to work. A customer who matches that profile will probably get cheap premium rates as well as save a lot if they switch.

Consumers who may not quite match these criteria will see higher prices which results in business not being written. If you listen to the ad wording, they say “customers who switch” but not “everyone who gets a quote” can get the lowest rates when switching. That’s why insurance companies can confidently make the claims of big savings.

This emphasizes why it is so important to get insurance quotes from several different companies. It is impossible to guess which insurance companies will have the best auto insurance rates at this point in time.

Insurance policy coverages for a Ford Escort

Learning about specific coverages of a insurance policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Coverage for liability

Liability coverage can cover damage that occurs to other’s property or people that is your fault. It protects you from claims by other people. It does not 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 commonly see liability limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like repair bills for other people’s vehicles, structural damage and legal defense fees. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Ford Escort.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive insurance

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hitting a bird, damage from flooding, theft and fire damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage protection

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like crashing into a building, driving through your garage door, damaging your car on a curb, sustaining damage from a pot hole and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Coverage for medical expenses

Med pay and PIP coverage kick in for short-term medical expenses for things like nursing services, prosthetic devices, pain medications and dental work. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

One last thing

More affordable car insurance can be sourced both online as well as from independent agents, so you should compare both in order to have the best price selection to choose from. Some insurance companies may not provide price quotes online and usually these smaller companies prefer to sell through local independent agencies.

When you buy insurance online, it’s very important that you do not buy less coverage just to save a little money. In many cases, an insured cut uninsured motorist or liability limits only to find out that it was a big mistake. Your goal should be to buy a smart amount of coverage at the lowest possible cost, but do not sacrifice coverage to save money.

In this article, we presented some good ideas how you can compare 2000 Ford Escort insurance rates online. The most important thing to understand is the more price quotes you have, the better your comparison will be. You may even discover the lowest rates come from a company that doesn’t do a lot of advertising.

Even more information can be found at these sites:

• Auto Insurance 101 (About.com)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Keeping Children Safe in Crashes Video (iihs.org)
• Neck Injury FAQ (iihs.org)