1991 Ford Escort Insurance Cost

Searching for the cheapest insurance rates for your Ford Escort? Are you sick and tired of paying out the nose to buy car insurance? You are no different than the majority of other car owners. Multiple insurance companies compete for your insurance dollar, and because of this it can be hard to compare insurance companies and get the best coverage at the lowest price

It’s smart to get comparison quotes yearly due to the fact that insurance rates are constantly changing. If you had the lowest rates on Escort coverage a few years ago you will most likely find a better rate today. Forget anything you know (or think you know) about insurance because you’re about to find out the easiest way to get good coverage at a lower rate.

If you are insured now or are just looking to switch companies, you can use these tips to cut your premiums while maximizing coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Drivers just need to know the best way to compare rates online.

Why your Ford Escort might be costing you more

It’s important that you understand some of the elements that come into play when calculating your insurance coverage rates. Understanding what determines base rates allows you to make educated decisions that can help you get lower insurance coverage prices.

  • Multiple policies with one company can save – The majority of insurers provide better rates to customers who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, you still need to compare rates to confirm you are receiving the best rates possible. Consumers may find better rates by splitting coverages up.
  • Keep rates low by being claim-free – Car insurance companies provide cheaper rates to drivers who do not file claims often. If you frequently file small claims, you can definitely plan on either a policy non-renewal or much higher rates. Insurance coverage is designed for the bigger claims that can’t be paid out-of-pocket.
  • How’s your driving record? – Drivers with clean records get better rates than bad drivers. Just one moving violation may increase your cost by as much as thirty percent. If you have serious violations such as hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 form to the state department of motor vehicles in order to continue driving.
  • Choose a safe vehicle and save – Safer cars are cheaper to insure. These vehicles have better occupant injury protection and lower injury rates means lower claim amounts and lower rates for you. If the Ford Escort scored better than four stars on Safercar.gov it is probably cheaper to insure.
  • Liability coverage protects you – Your policy’s liability coverage is the coverage that protects you in the event that you are found to be at fault for personal injury or accident damage. Liability insurance provides you with a defense in court starting from day one. Liability is cheap as compared to coverage for physical damage, so drivers should carry high limits.
  • Save money with special equipment – Owning a car with anti-theft technology or alarm system can help lower your rates. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent your car from being stolen.
  • Marriage brings a discount – Having a spouse helps lower the price on your insurance coverage policy. Having a significant other translates into being more responsible and statistics show drivers who are married are more cautious.

Be sure to get all your discounts

Insuring your fleet can be pricey, but there could be available discounts that you may not know about. A few discounts will automatically apply when you complete an application, but lesser-known reductions have to be specially asked for prior to getting the savings. If you don’t get every credit you deserve, you’re paying more than you need to.

  • Good Students Pay Less – This discount can earn a discount of 20% or more. The discount lasts up until you turn 25.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.
  • Resident Student – Youth drivers who live away from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Paperwork-free – A few companies will give a small break simply for signing digitally online.
  • Discount for Life Insurance – Larger companies have a discount if you purchase a life insurance policy as well.
  • Homeowners Discount – Simply owning a home can save you money because of the fact that having a home is proof that your finances are in order.

Consumers should know that most of the big mark downs will not be given to all coverage premiums. Most cut the price of certain insurance coverages like collision or personal injury protection. Just because you may think having all the discounts means you get insurance for free, you won’t be that lucky. But any discount will help reduce your overall premium however.

Car insurance companies that possibly offer these discounts are:

Double check with each company which discounts you may be entitled to. Discounts may not be available in every state.

How do I know if I need professional advice?

When it comes to buying the best auto insurance coverage, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s and your policy should reflect that. For instance, these questions may help you determine whether you might need an agent’s assistance.

  • Do I need rental car coverage?
  • Do I pay less for low miles?
  • Does having multiple vehicles earn me a discount?
  • Do I benefit by insuring my home with the same company?
  • Should I buy additional glass protection?
  • How high should deductibles be on a 1991 Ford Escort?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance coverage breakdown

Knowing the specifics of your policy aids in choosing which coverages you need and the correct deductibles and limits. Auto insurance terms can be difficult to understand and coverage can change by endorsement. Listed below are typical coverages offered by auto insurance companies.

Auto liability insurance

This coverage provides protection from damage or injury you incur to people or other property that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like attorney fees, court costs, funeral expenses and emergency aid. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for immediate expenses like doctor visits, ambulance fees, funeral costs, surgery and prosthetic devices. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. They cover you and your occupants in addition to getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Collision insurance

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like damaging your car on a curb, crashing into a ditch and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

This provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your 1991 Ford Escort.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Frequently these limits are similar to your liability insurance amounts.

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hitting a bird, damage from a tornado or hurricane and damage from flooding. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage on a shoestring budget

When trying to cut insurance costs, it’s a bad idea to buy less coverage just to save a little money. There are many occasions where an accident victim reduced collision coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy enough coverage at an affordable rate while not skimping on critical coverages.

Throughout this article, we presented a lot of ways to shop for 1991 Ford Escort insurance online. It’s most important to understand that the more rate quotes you have, the higher your chance of finding lower rates. Consumers may even find the biggest savings come from a smaller regional carrier. Smaller companies can often insure niche markets at a lower cost than their larger competitors like State Farm and Allstate.

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