2000 Ford Escort Insurance Rates

Trying to find better auto insurance rates for your Ford Escort? Finding low-cost auto insurance over the internet is impossible for beginners to buying insurance online. With so many online companies, how can you even start to compare the different rates to find the lowest price available?

If you currently have car insurance, you should be able to save some money using these methods. Buying the lowest cost car insurance is easy if you know what you’re doing. But vehicle owners must learn how insurance companies sell online and apply this information to your search.

Finding Auto Insurance Deals

Comparing auto insurance rates can be exhausting if you don’t utilize the best way to get rate quotes. You can waste a lot of time talking to local insurance agents in your area, or you can stay home and use online quotes to get prices fast.

Most of the larger companies participate in a marketplace that allows shoppers to enter their coverage request one time, and at least one company can give them a price for coverage. This eliminates the need for quote requests to each company.

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The one disadvantage to getting quotes like this is that consumers can’t choose which companies to get quotes from. If you would rather choose individual companies to request quotes from, we have a listing of companies who write auto insurance in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but ensure you are comparing apples-to-apples deductibles and coverage limits for each price quote. If your comparisons have differing limits you can’t possibly find the best deal for your Ford Escort. Just a small difference in coverage limits may result in a large different in cost. Just keep in mind that comparing a large number of companies helps locate the best rates.

Do drivers who switch really save $402 a year?

Insurance companies such as Allstate, Geico and Progressive continually stream ads on television and other media. They all seem to have a common claim about savings after switching your coverage to them. How do they all make the same claim? This is how they do it.

All companies can use profiling for the type of driver that is profitable for them. For example, a driver they prefer might be profiled as over the age of 50, has no tickets, and drives less than 7,500 miles a year. A customer that hits that “sweet spot” will get very good rates and therefore will save quite a bit of money when switching.

Consumers who don’t qualify for this ideal profile will have to pay a higher premium which usually ends up with the customer not buying. The ad wording is “customers who switch” not “people who quote” save that much. That is how insurance companies can advertise the savings. Because of the profiling, drivers should quote coverage with many companies. It’s impossible to know which insurance companies will have the lowest Ford Escort insurance rates.

Cut your premium with discounts

Car insurance companies don’t list every available discount in an easy-to-find place, so we took the time to find both the well known and the harder-to-find discounts you could be receiving.

  • Auto/Life Discount – Some companies give lower rates if you buy life insurance.
  • Clubs and Organizations – Being a member of a professional or civic organization may earn a discount when shopping for insurance for Escort insurance.
  • Defensive Driving Course – Successfully completing a course teaching defensive driving skills can save you 5% or more if your company offers it.
  • Resident Student – Any of your kids who live away from home without a vehicle on campus may qualify for this discount.
  • Drivers Education – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.

Consumers should know that some of the credits will not apply to all coverage premiums. Most only cut the price of certain insurance coverages like medical payments or collision. Even though it may seem like having all the discounts means you get insurance for free, it just doesn’t work that way.

For a list of companies who offer insurance discounts, click here.

What is the best insurance coverage?

When choosing adequate coverage, there isn’t really a best way to insure your cars. Each situation is unique.

Here are some questions about coverages that may help you determine whether or not you could use an agent’s help.

  • What is the minimum liability in my state?
  • When should I remove comp and collision on my 2000 Ford Escort?
  • Do I pay less if my vehicle is kept in my garage?
  • How do I insure my teen driver?
  • I have health insurance so do I need medical payments coverage?
  • Should I buy only the required minimum liability coverage?
  • Does my insurance cover a custom paint job?
  • Should I have a commercial auto policy?
  • How high should deductibles be on a 2000 Ford Escort?
  • What is PIP insurance?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form.

Auto insurance 101

Learning about specific coverages of a insurance policy helps when choosing the best coverages for your vehicles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 2000 Ford Escort.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

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

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things such as medical expenses, pain and suffering and emergency aid. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.

Collision coverages – This coverage pays for damage to your Escort from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as sustaining damage from a pot hole, rolling your car, sideswiping another vehicle, hitting a parking meter and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive coverages – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as hitting a bird, vandalism and a broken windshield. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for medical payments – Coverage for medical payments and/or PIP provide coverage for immediate expenses like ambulance fees, X-ray expenses and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and also covers getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Summing up your insurance search

While you’re price shopping online, you should never skimp on critical coverages to save a buck or two. There have been many situations where an insured cut liability limits or collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your goal should be to find the BEST coverage at a price you can afford while still protecting your assets.

Cheap 2000 Ford Escort insurance is definitely available on the web and also from your neighborhood agents, so compare prices from both to have the best rate selection. Some companies may not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

Drivers change insurance companies for a variety of reasons including high rates after DUI convictions, poor customer service, lack of trust in their agent and even high prices. Regardless of your reason for switching companies, switching insurance companies is not as hard as you think.

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