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Ford Escort Insurance Rates

There are many options when comparing insurance rates on your Ford vehicle. You can get prices from an insurance agent or go online to check prices from many different auto insurance companies. Buying auto insurance through online rate quotes can be fast and easy and there is a good chance you may find lower rates.

If you're new to shopping for auto insurance online, you can be overwhelmed by the hoards of companies selling insurance. Finding a better price on auto insurance can be surprisingly simple. Consumers just need to spend a few minutes to compare quotes provided by online insurance companies. This can be accomplished by completing this short form.

Insurance premiums on a Ford Escort can fluctuate considerably depending on several factors. Some of these factors include:

  • Higher performance Escort vehicles cost more
  • Accidents raise premiums
  • Multiple policies can save money
  • Pleasure use vs. commuting use
  • Young drivers cost more
  • Having a spouse can save money
  • Extra coverages like towing and rental
  • Whether or not you have claims
  • No coverage lapses saves money
  • Whether you own your home

One important consideration that helps determine your rates is the age of the vehicle. New vehicles cost more compared to older Ford models so the cost to replace them may result in higher rates. Conversely, more recent Ford vehicles have more advanced features such as autonomous braking, automatic crash notification, sideview assist mirrors, and adaptive headlights which may give discounted rates.

To get a better idea how much rates will be for your vehicle, select the year of your Escort below.

Auto liability - This coverage will cover damage that occurs to people or other property in an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Coverage is generally pretty cheap so buy as high a limit as you can afford.

Collision coverages - Collision insurance will pay to fix damage to your Ford resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in. Collision coverage for your Escort can be pricey, so you might think about dropping it from lower value vehicles. It's also possible to increase the deductible to bring the cost down.

Comprehensive auto coverage - This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay. The most you'll receive from a claim is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured and underinsured coverage - Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don't have enough coverage. Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important.

Medical payments and PIP coverage - Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like nursing services, prosthetic devices, and dental work. They are used in conjunction with a health insurance program or if you do not have health coverage. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.

How Much are Ford Escort Insurance Rates?