1990 Ford Escort Insurance Quotes – 10 Policy Discounts

Want the cheapest insurance coverage rates for your Ford Escort? Tired of trying to scrape together enough money to insure your Ford every month? You are no different than the majority of other car owners.

Popular companies such as State Farm, Progressive and GEICO continually bombard you with ad campaigns and it is challenging if not impossible to ignore the propoganda and effectively compare rates to find the best deal.

Consumers need to take a look at other company’s rates before your policy renews because insurance rates fluctuate regularly. Just because you found the lowest rates for Escort insurance six months ago you can probably find a lower rate today. There is a lot of wrong information about insurance coverage online but by reading this article, you’re going to learn some tested techniques to put money back in your pocket.

Comparison of Auto Insurance

There are multiple methods to compare 1990 Ford Escort auto insurance quotes, but there is one way that is less time-consuming than others. You could spend your day driving to insurance companies in your area, or you could use online quotes to get rates in a matter of minutes.

Most major companies belong to an insurance system where insurance shoppers enter their policy data once, and each participating company then returns a price quote based on the submitted data. This saves time by eliminating quote requests to each individual auto insurance company.

To get comparison pricing now click here to start a free quote.

The one downside to using this type of form is you can’t choose the companies you want to price. So if you want to select specific providers to receive pricing from, we have assembled a list of auto insurance companies in your area. View list of insurance companies.

It’s up to you which method you use, but make darn sure you compare exactly the same information for every company. If the quotes have different deductibles you will not be able to determine which rate is truly the best. Quoting even small variations in limits could mean much higher rates. Just remember that getting more free quotes helps you find the best price.

Policy discounts you shouldn’t miss

Insurance can cost an arm and a leg, buy you may qualify for discounts to help offset the cost. Certain discounts will be applied when you quote, but some may not be applied and must be inquired about in order for you to get them.

  • College Student – Kids in college who attend school more than 100 miles from home and don’t have a car may be able to be covered for less.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
  • Pay Upfront and Save – If paying your policy premium upfront instead of paying each month you could save up to 5%.
  • No Charge for an Accident – Certain companies allow you one accident before raising your premiums if you are claim-free for a set time period.
  • Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. The good student discount can last until age 25.
  • 55 and Retired – Mature drivers may receive a small decrease in premiums for Escort insurance.
  • Sign Early and Save – Some insurance companies reward drivers for buying a policy prior to your current policy expiring. It can save you around 10%.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Ford can qualify you for a substantially lower rate.
  • Seat Belts Save – Requiring all passengers to buckle their seat belts could cut 10% or more off your medical payments premium.
  • Homeowners Savings – Owning a house may trigger a insurance coverage policy discount because owning a home is proof that your finances are in order.

It’s important to note that most credits do not apply to all coverage premiums. A few only apply to individual premiums such as liability, collision or medical payments. So despite the fact that it appears it’s possible to get free car insurance, it just doesn’t work that way. But any discount will reduce your overall premium however.

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

Insurance agents can help

When it comes to choosing the right insurance coverage for your vehicles, there really is no cookie cutter policy. Everyone’s needs are different so your insurance should reflect that These are some specific questions may help you determine if your situation may require specific advice.

  • Will I lose any money if I cancel my policy before it expires?
  • Do I have coverage when using my vehicle for my home business?
  • Is my state a no-fault state?
  • Do I need higher collision deductibles?
  • What is UM/UIM insurance?
  • Do I have newly-aquired coverage?
  • Is my nanny covered when driving my vehicle?
  • Do I have coverage if my license is suspended?
  • How do I insure my teen driver?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area.

Learn about insurance coverages for a 1990 Ford Escort

Learning about specific coverages of a insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. These are the usual coverages offered by insurance companies.

Liability car insurance – This will cover damage that occurs to people or other property. This coverage protects you against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like bail bonds, loss of income, medical services, medical expenses and emergency aid. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – This coverage gives you protection from other drivers when they 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.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Normally these coverages are set the same as your liablity limits.

Insurance for medical payments – Med pay and PIP coverage provide coverage for short-term medical expenses such as chiropractic care, nursing services and pain medications. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision – Collision coverage will pay to fix damage to your Escort caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as sustaining damage from a pot hole, colliding with a tree, crashing into a building, crashing into a ditch and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) – This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as hitting a bird, vandalism, damage from getting keyed and falling objects. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Shop smart and save

Low-cost 1990 Ford Escort insurance is definitely available online and also from your neighborhood agents, so you should compare both in order to have the best price selection to choose from. There are still a few companies who may not provide you the ability to get quotes online and these small, regional companies work with independent agents.

We’ve covered some good ideas how to save on insurance. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the biggest savings come from some of the lesser-known companies. They may only write in your state and offer lower rates than their larger competitors like Allstate and Progressive.

When buying insurance coverage, do not sacrifice coverage to reduce premiums. In many instances, someone dropped liability limits or collision coverage only to regret that the few dollars in savings costed them thousands. The proper strategy is to purchase a proper amount of coverage at a price you can afford while still protecting your assets.

To read more, link through to the resources below: