View 1993 Ford Escort Insurance Quotes

Trying to find lower auto insurance rates? Buyers have options when searching for low-cost Ford Escort insurance. They can either spend hours calling around trying to get quotes or leverage the internet to find the lowest rates. There is a right way and a wrong way to buy auto insurance so we’re going to tell you the proper way to compare rates for your Ford and get the lowest price.

It’s a great practice to check auto insurance prices quite often since insurance rates fluctuate regularly. If you had the best deal for Escort insurance a couple years back you can probably find a better price now. So just block out anything you think you know about auto insurance because it’s time to teach you the only way to lower your annual insurance bill.

Finding affordable coverage is easy if you know what you’re doing. If you currently have a car insurance policy, you should be able to cut costs considerably using this information. Consumers just need to learn the best way to compare company rates online.

The easiest way to get rate comparisons utilizes the fact almost all companies participate in online systems to provide you with free rate quotes. The one thing you need to do is give them rating details including how many miles driven, which vehicles you own, your occupation, and whether the vehicles are used for commuting. Your information is instantly sent to insurance companies and you get price estimates instantly to find the best rate.

Cut your insurance rates with discounts

Auto insurance companies don’t necessarily list every discount very clearly, so we took the time to find both well-publicized and the more hidden ways to save on insurance. If you’re not getting every credit possible, you’re just leaving money on the table.

No Accidents – Good drivers with no accidents can earn big discounts when compared to drivers who are more careless.
Air Bag Discount – Factory air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
Good Students Pay Less – Getting good grades can get you a discount of up to 25%. The good student discount can last well after school through age 25.
Early Signing – Select companies give a discount for switching policies before your current policy expires. This can save 10% or more.
Homeowners Pay Less – Owning a house may earn you a small savings due to the fact that maintaining a home demonstrates responsibility.
Organization Discounts – Being a member of a professional or civic organization may earn a discount when shopping for insurance for Escort insurance.
Student Driver Training – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
No Charge for an Accident – Certain companies permit an accident before raising your premiums if your claims history is clear for a particular time prior to the accident.
Life Insurance Discount – Companies who offer life insurance give a discount if you purchase a life insurance policy as well.

Keep in mind that many deductions do not apply the the whole policy. The majority will only reduce the cost of specific coverages such as comprehensive or collision. So even though they make it sound like you can get free auto insurance, it just doesn’t work that way.

To see a list of providers with the best insurance discounts, click here.

You are unique and your auto insurance should be too

When choosing proper insurance coverage for your vehicles, there is no “best” method to buy coverage. Every insured’s situation is different.

These are some specific questions can aid in determining if you might need professional guidance.

What is covered by UM/UIM coverage?
Is other people’s property covered if stolen from my vehicle?
Should I waive the damage coverage when renting a car?
Does coverage extend to a rental car in a foreign country?
Do I need special endorsements for business use of my vehicle?
Am I covered if I hit my neighbor’s mailbox?
Are split liability limits better than a combined single limit?
At what point should I drop full coverage?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form. It is quick, free and can help protect your family.

Auto insurance 101

Understanding the coverages of your policy helps when choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as surgery, ambulance fees, EMT expenses and funeral costs. They are often used in conjunction with a health insurance plan or if you do not have health coverage. It covers both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Comprehensive insurance

Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, hitting a bird, hitting a deer, theft and a broken windshield. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability insurance

Liability insurance provides protection from damages or injuries you inflict on people or other property. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage pays for things such as structural damage, medical expenses, repair costs for stationary objects and loss of income. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Ford Escort.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Collision coverage

This will pay to fix damage to your Escort resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as 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 dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.