Cheap 2002 Ford Escort Insurance Quotes

Searching for the cheapest car insurance rates? Consumers have options when looking for the best price on Ford Escort insurance. They can either waste time struggling with agents getting price quotes or leverage the internet to make rate comparisons. There is a right way and a wrong way to compare car insurance rates so you’re going to learn the best way to price shop coverage for a new or used Ford and get the best price possible.

You need to do rate comparisons every six months due to the fact that insurance rates change quite often. Even if you got the best premium rates for Escort insurance six months ago a different company probably has better prices today. There is a lot of bad information regarding car insurance on the web, but we’re going to give you a lot of great tips on how to stop overpaying for insurance.

Finding affordable coverage is quite easy. If you have car insurance now, you will most likely be able to lower your premiums substantially using this strategy. Vehicle owners only need to know how to compare prices over the internet.

Why informed drivers pay less for Ford Escort insurance

When buying insurance coverage it’s important to understand a few of the rating criteria that are used to determine the level of your policy premiums. If you have a feel for what controls the rates you pay, this helps enable you to make changes that can earn you better insurance coverage rates. Many different elements are considered when you get a price on insurance. Most are fairly basic such as your driving record, but other factors are not as apparent like your continuous coverage or your commute time.

The items below are most of the major factors used by your company to calculate rates.

  • Being married pays dividends – Being married may cut your premiums on your insurance coverage policy. It usually means you are more stable financially and statistics prove drivers who are married are more cautious.
  • Annual mileage and car insurance rates – The more miles you rack up on your Ford every year the higher your rate. Most companies charge rates determined by how the vehicle is used. Cars not used for work or commuting cost less to insure than vehicles that have high annual mileage. It’s a good idea to make sure your insurance coverage policy shows annual mileage, because improper ratings can cost you money. Incorrect rating for your Escort is just wasting money.
  • Accidents can be expensive – How you drive influences premium rates substantially. Getting just one speeding ticket or other violation could increase your next policy renewal forty percent or more. Good drivers have lower premiums as compared to careless drivers. Drivers with license-revoking tickets like DUI or reckless driving may find that they have to to complete a SR-22 to the state department of motor vehicles in order to legally drive.
  • Safer vehicles cost less to insure – Vehicles with good safety scores get lower rates. Safer cars protect occupants better and lower injury rates means less money paid by your insurance company and lower rates for you.
  • Younger drivers pay high rates – Teen drivers tend to be more careless when driving and because of this, their insurance coverage rates are much higher. If you’ve ever had to add a first-time driver to your insurance coverage policy will cause a huge premium hike. Older insureds are more cautious drivers, cause fewer claims and accidents and are safer drivers.
  • Prevent theft and save – Choosing a vehicle that has a built-in theft deterrent system can help lower your premiums. Systems that thwart theives like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder car theft and help bring rates down.
  • File a policy claims and pay more – If you are a frequent claim filer, you shouldn’t be surprised to get increased rates or even have your policy non-renewed. Insurance companies generally give the best rates to drivers who do not file claims often. Auto insurance is intended for claims that pose a financial burden.

How to get car insurance rate quotes

Getting cheap 2002 Ford Escort car insurance pricing isn’t really that difficult. You just have to take a few minutes to compare free auto insurance quotes provided by online insurance companies. Comparing prices online can be done in several different ways.

  1. One of the best ways consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This easy form saves time by eliminating separate quotation requests for each company you want a rate for. Taking the time to complete one form gets coverage cost estimates from car insurance companies with the best prices. It’s the fastest way to compare.
  2. A less efficient way to get quotes online is to manually visit the website for every company you want to comare and get a separate price quote. For sake of this example, we’ll assume you want to see prices from Auto-Owners, Esurance and American Family. In order to compare rates, you need to visit each site and punch in your information repeatedly, which is why first method is reommended.

    For a handy list of car insurance company links in your area, click here.

  3. Even if you have time, the least recommended method to get comparison rates is to spend time driving to and from local insurance agencies. Shopping for car insurance online has reduced the need for local agents unless your situation requires the extra assistance of an agent trained in personal lines coverage. It is possible with some companies price shop your coverage online but buy from a local insurance agent.

Whichever method you choose, ensure you are comparing exactly the same coverage limits on every price quote you get. If you enter different liability limits it will be very difficult to determine the best price for your Ford Escort.

Discounts can really help to save

Some insurance providers don’t always publicize every discount very clearly, so the list below details both well-publicized as well as the least known ways to save on insurance.

  • Sign Online – A few larger online companies may give you up to $50 for buying your policy on your computer.
  • Policy Bundle Discount – If you have multiple policies and place coverage with the same company you may earn approximately 10% to 15%.
  • Multiple Cars – Buying a policy with multiple cars on one policy may reduce the rate for each vehicle.
  • Use Seat Belts – Drivers who require all vehicle occupants to buckle up can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
  • Smart Student Discounts – Excelling in school can get you a discount of up to 25%. Most companies allow this discount until age 25.
  • Government Employees – Being employed by or retired from a federal job may qualify for a discount when you quote auto insurance for Escort insurance depending on your company.
  • Life Insurance – Select insurance companies reward you with lower premium rates if you buy a life insurance policy as well.
  • First Accident Forgiveness – This one is not really a discount per se, but a few companies such as Allstate, State Farm and GEICO permit an accident without getting socked with a rate hike if your claims history is clear for a specific time period.
  • No Claims – Drivers who don’t have accidents are rewarded with significantly better rates on auto insurance quote when compared with policyholders that have many claims.

Discounts reduce rates, but you should keep in mind that most credits do not apply to your bottom line cost. Most cut individual premiums such as collision or personal injury protection. Even though the math looks like having all the discounts means you get insurance for free, you’re out of luck.

Large insurance companies and some of the discounts are:

  • 21st Century has discounts for good student, teen driver, theft prevention, air bags, student driver, 55 and older, and driver training.
  • Progressive offers discounts for continuous coverage, multi-vehicle, online signing, good student, and multi-policy.
  • State Farm may have discounts that include Steer Clear safe driver discount, student away at school, driver’s education, accident-free, Drive Safe & Save, and defensive driving training.
  • Nationwide has savings for business or organization, anti-theft, Farm Bureau membership, accident-free, and defensive driving.
  • Esurance offers discounts including online quote, paid-in-full, emergency road assistance, homeowner, DriveSense, and Switch & Save.
  • The Hartford discounts include bundle, anti-theft, driver training, defensive driver, and air bag.

If you need low cost auto insurance quotes, ask all the companies which discounts you qualify for. Some discounts might not be offered in your area. To find insurers that offer discounts, click this link.

Will just any policy work for me?

When choosing the right insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For example, these questions might point out whether or not you may require specific advice.

  • Should I get collision insurance on every vehicle?
  • What is the ISO rating for a 2002 Ford Escort?
  • What is the minimum liability in my state?
  • Do I need replacement cost coverage?
  • Do I need medical payments coverage since I have good health insurance?
  • Is my nanny covered when driving my vehicle?
  • Is borrowed equipment or tools covered if stolen or damaged?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance 101

Having a good grasp of auto insurance helps when choosing the best coverages for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement.

Auto liability – This can cover damage or injury you incur to people or other property. This insurance protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims such as pain and suffering, repair costs for stationary objects, loss of income and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

Collision coverages – Collision insurance pays for damage to your Escort caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as backing into a parked car, colliding with another moving vehicle and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay 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, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for prosthetic devices, hospital visits and funeral costs. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive auto insurance – Comprehensive insurance will pay to fix 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 vandalism, a tree branch falling on your vehicle, rock chips in glass and theft. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Shop smart and save

Some insurance companies do not provide rates over the internet and many times these small insurance companies only sell coverage through independent insurance agencies. More affordable insurance coverage can be sourced online as well as from insurance agents, and you should be comparing both to get a complete price analysis.

As you shop your coverage around, you should never skimp on coverage in order to save money. There are too many instances where an insured dropped liability coverage limits and discovered at claim time that it was a big error on their part. The aim is to find the BEST coverage at the best cost, but don’t skip important coverages to save money.

Drivers leave their current company for any number of reasons including delays in paying claims, unfair underwriting practices, policy non-renewal or even an unsatisfactory settlement offer. It doesn’t matter what your reason, finding a new insurance coverage company is actually quite simple.

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Comments About 2002 Ford Escort Insurance

  1. Debora Fields

    I chose to switch to Allstate from AAA. I live in New Orleans, LA. Left Mercury to switch. Good multi-policy discounts.

  2. Eloise Howe

    I’m in the suburbs of Norfolk, VA. Received quotes from AAA, Mercury, and some smaller one I can’t remember the name of for my Escort and saved just over $110 a year. Insured with Sentry before. They offer free online rate quotes.

  3. Lawana Rocha

    Where is cheaper car insurance? Got a quote with Encompass for my 2002 Ford Escort and saved about $110 a year. I’m thinking about dropping full coverage though.

  4. Malcolm Browning

    I’m in the south part of Honolulu, HI. Got quotes from Western Auto Insurance, Auto-Owners, The General, and Nationwide for my Ford and saved $92 a year. Good savings if you bundle. I used their online quote form to compare rates.

  5. Daniella Golden

    If you’re a decent driver and live in the vicinity of Milwaukee, WI, check out Progressive. You might save some money. Switched homeowners coverage too. Book value doesn’t justify full coverage anymore.

  6. Latoria Gamble

    I got quite a few price quotes for a 2002 Ford Escort in Rapid City, SD. Ended up at about $100 every six months with AIG Insurance. Teenage drivers are expensive! Just waiting to see how claims go. I dropped full coverage awhile back.

  7. Klara Craig

    I’m in the suburbs of Newark, NJ, and GEICO rates were best. Anyone else drop full coverage?

  8. Marita Richardson

    I compared a lot of rate quotes for a 2002 Ford Escort in Salem, OR. Ended up at darn near $70 every six months with AIG Insurance. I have a couple other vehicles on the policy.

  9. Sanda Joyner

    Just a quick comment on my experience. I live on the west side of Kailua, HI. Compared quite a few companies. Saved right around $20 a month. Allstate was the cheapest option for me.

  10. Samatha Hampton

    Lifelong resident of Salt Lake City, UT. I quoted with Progressive, American Family, and Erie for my Ford and saved $78 a year.

  11. Laronda Christensen

    I got decent rates for a 2002 Ford Escort in Boise, Idaho. Ended up at about $110 every six months with American Family. Ask about discounts. Hardly afford to drive anymore.

  12. Loris Alford

    State Farm is decent in Saint Paul, MN.

  13. Moon Jarvis

    Will State Farm raise rates for a rock chip claim?

  14. Caroline Sandoval

    Hope my car insurance gets cheaper. Proud to be from Tampa, FL. Quoted with 21st Century, Auto-Owners, and some I forget for my Escort and I’m now saving $16 a month.

  15. Laronda Walters

    Here’s what I found out. From northwest of Davenport, Iowa. I quoted with Allstate, AIG Insurance, and some I forget for my Ford and saved $107 a year. I don’t have comp or collision coverage.