How Much Does 2001 Ford Escort Car Insurance Cost?

Shoppers have lots of choices when shopping for the lowest priced Ford Escort insurance. They can either spend hours driving around getting price quotes or save time using the internet to compare rates. There is a right way and a wrong way to find auto insurance online and we’ll show you the absolute fastest way to get price quotes on a Ford and locate the lowest price.

Get lower-cost car insurance with discounts

Car insurance is not cheap nor is it fun to buy but you might find some hidden discounts that could drop your premiums quite a bit. Most are applied at the time of purchase, but once in a while a discount must be specially asked for before you get the savings.

• Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school or through a local driver safety program.
• Accident Forgiveness Coverage – Not necessarily a discount, but some insurance companies will let one accident slide before raising your premiums so long as you are claim-free for a set time period.
• Safety Course Discount – Successfully completing a defensive driver class can save you 5% or more and easily pay for the cost of the class.
• Discount for Multiple Policies – When you have multiple policies with one insurance company you will save up to 20% off your total premium.
• Full Payment Discount – If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
• Anti-theft Discount – Cars and trucks optioned with advanced anti-theft systems prevent vehicle theft and will qualify for a discount on a car insurance quote.
• Multi-Vehicle Discounts – Buying coverage for several vehicles on a single policy could earn a price break for each car.
• Senior Citizens – Mature drivers may receive reduced rates for Escort insurance.
• Discounts for Seat Belt Usage – Requiring all passengers to fasten their seat belts may be able to save a few bucks on medical payment and PIP coverage.
• Driving Data Discount – Policyholders that allow their insurance company to track where and when they drive through the use of a telematics system such as State Farm’s In-Drive could see a rate decrease if they have good driving habits.

As a disclaimer on discounts, some of the credits will not apply the the whole policy. Some only reduce individual premiums such as comprehensive or collision. So despite the fact that it appears you can get free auto insurance, you’re out of luck.

A few companies that may offer quotes with most of these discounts include:

• Farmers Insurance
• Esurance
• State Farm
• Geico
• Allstate

When comparing rates, check with every company which discounts can lower your rates. Some credits might not apply in every state. To find insurers with discount rates, click here to view.

The quickest method we recommend to compare rates takes advantage of the fact most of the larger companies participate in a system to provide you with a free rate quote. To start a quote, the only thing you need to do is provide details like if you are currently licensed, how much coverage you want, if the vehicle is leased, and whether you drive to work or school. That information is then submitted to insurance companies and they return rate quotes very quickly.

To check rates for your 2001 Ford Escort now, click here and complete the form.

Why you might pay inflated rates

A large part of saving on insurance is knowing a few of the rating criteria that go into determining insurance rates. If you have some idea of what positively or negatively impacts your premiums, this enables you to make decisions that could help you find lower insurance prices.

• Employer can influence prices – Occupational choices like military personnel, business owners and stock brokers usually pay higher premiums than the average policyholder because of intense work situations and lots of time spent away from family. Other professions such as scientists, athletes and performers receive lower rates for Escort insurance.
• Avoid unnecessary incidental coverages – There are a lot of additional extra coverages that you can buy if you aren’t careful. Insurance for things like roadside assistance, towing coverage, and motor club memberships may be wasting your money. These coverages may sound good initially, but if you have no use for them remove them and pocket the money.
• What are your deductibles? – Comp and collision deductibles state the amount of money you are willing to pay in the event of a claim. Protection for physical damage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some instances where coverage would apply are colliding with a stationary object, vandalism, and having a roll-over accident. The higher the amount the insured is willing to pay, the lower your rates will be for Escort insurance.
• Liability insurance is critical – The liability section of your policy is the coverage that protects you if a court rules you are at fault for an accident. This coverage provides for a legal defense which can cost a lot. Liability insurance is pretty cheap compared to comp and collision, so do not cut corners here.
• Your credit history is important – A driver’s credit score is likely to be a major factor in your rate calculation. Drivers with very good credit scores tend to be more responsible than drivers with worse credit. If your credit rating could use some work, you could pay less to insure your 2001 Ford Escort if you improve your credit rating.
• Be proud to be claim-free – Insurance companies generally give discounts to drivers who only file infrequent claims. If you’re an insured who likes to file claims you can definitely plan on higher rates. Your car insurance is designed for the bigger claims that can’t be paid out-of-pocket.

Tailor your insurance coverage coverage to you

When buying proper insurance coverage, there really is no cookie cutter policy. Everyone’s needs are different.

Here are some questions about coverages that can help discover if your insurance needs could use an agent’s help.

• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• How much liability insurance is required?
• Does my liability insurance cover pulling a trailer or camper?
• What is roadside assistance coverage?
• Am I covered if I hit a deer?
• Will my vehicle be repaired with OEM or aftermarket parts?
• How can I force my company to pay a claim?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and may give you better protection.

Smaller companies may have the best rates

Consumers can’t ignore all the ads that promise big savings by companies like State Farm and Allstate. They all tend to make the same promise that you’ll save big if you just switch your insurance coverage policy to them.

How does each company make almost identical claims? It’s all in how they say it.

Different companies require specific criteria for the type of driver that will generate a profit. For example, a profitable customer could possibly be between the ages of 30 and 45, has a low-risk occupation, and has a high credit rating. A driver who meets those qualifications will get very good premium rates and most likely will save some money.

Insureds who do not meet those criteria will see more expensive rates which translates to the customer not purchasing. The trick companies use is to say “people that switch” not “everybody who quotes” save that kind of money. That is how companies can make those claims. Because every company is different, you really should compare price quotes frequently. It is impossible to guess with any certainty which company will have the best prices at this point in time.

Auto insurance coverages

Having a good grasp of car insurance aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Collision – This pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like colliding with a tree, damaging your car on a curb, colliding with another moving vehicle and rolling your car. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like EMT expenses, chiropractic care, nursing services, hospital visits and pain medications. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, damage from getting keyed, hitting a deer, damage from flooding and a broken windshield. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability – Liability coverage will cover damage or injury you incur to other’s property or people by causing an accident. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things like medical services, bail bonds, funeral expenses and repair costs for stationary objects. How much coverage you buy is up to you, but you should buy higher limits if possible.

Summing up your insurance search

When shopping online for insurance, don’t be tempted to skimp on critical coverages to save a buck or two. In many instances, an insured dropped liability limits or collision coverage only to regret that it was a big mistake. Your goal should be to get the best coverage possible for the lowest cost but still have enough coverage for asset protection.

Consumers who switch companies do it for a variety of reasons including delays in responding to claim requests, lack of trust in their agent, extreme rates for teen drivers or even questionable increases in premium. No matter why you want to switch, finding a great new company can be easy and end up saving you some money.

Budget-conscious 2001 Ford Escort insurance is available online in addition to local insurance agencies, so you need to shop car insurance with both in order to have the best price selection to choose from. Some insurance providers may not offer internet price quotes and usually these smaller providers provide coverage only through independent insurance agents.

For more information, feel free to visit the resources below:

• What is a Telematics Device? (Allstate)
• A Tree Fell on Your Car: Now What? (Allstate)
• Five Mistakes to Avoid (Insurance Information Insitute)
• Determing Auto Insurance Rates (Geico)
• Avoiding Deer Collisions (Insurance Information Insitute)
• Teen Driving Statistics (iihs.org)