Save on 1991 Ford Escort Car Insurance Rates

Finding better insurance prices for a Ford Escort could be difficult, but you can learn the following methods to make it easier. There are both good and bad ways to compare insurance coverage rates and we’ll show you the quickest way to get price quotes on a Ford and get the lowest price either online or from local insurance agents.

How to Compare Car Insurance Quotes

Comparing car insurance rates can be a lot of work if you aren’t aware of the most efficient way. You can waste a lot of time discussing policy coverages with local insurance agents in your area, or you could save time and use the web to get pricing more quickly.

Many of the larger companies enroll in a system that enables customers to submit their information once, and each company provides a quote for coverage. This prevents consumers from doing quote forms for each company you want a rate for.

To enter your information into the quoting system, click here to open in new window.

One minor caviat to pricing coverage this way is buyers cannot specifically choose which companies to receive prices from. So if you prefer to pick specific providers to request quotes from, we have a page of car insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just compare exactly the same deductibles and coverage limits on every quote. If you have differing limits it’s not possible to truly determine the lowest rate.

Get lower rates on 1991 Ford Escort insurance

Companies don’t always publicize every discount in a way that’s easy to find, so the following is a list of some of the best known and the more hidden auto insurance savings. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Defensive Driving Course – Completing a course teaching defensive driving skills could save 5% or more if you qualify.
  • Early Switch Discount – Select companies give a discount for switching policies before your current expiration date. It’s a savings of about 10%.
  • Homeowners Savings – Simply owning a home can help you save on auto insurance because maintaining a house demonstrates responsibility.
  • No Accidents – Good drivers with no accidents pay less compared to drivers who are more careless.
  • Anti-theft System – Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
  • Low Mileage Discounts – Driving fewer miles can qualify you for better rates on cars that stay parked.
  • Discount for Life Insurance – Select insurance companies reward you with a break if you buy life insurance from them.
  • Distant Student – Kids in college who are attending college and don’t have a car may qualify for this discount.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.

Drivers should understand that most discounts do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like you can get free auto insurance, it just doesn’t work that way.

For a list of insurers with discount auto insurance rates, follow this link.

Tailor your coverage to you

When buying proper insurance coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s.

For instance, these questions can aid in determining if your insurance needs could use an agent’s help.

  • Should I file a claim if it’s only slightly more than my deductible?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Is my trailer covered?
  • How high should my medical payments coverage be?
  • Am I covered when using my vehicle for business?
  • Should I get collision insurance on every vehicle?
  • How do I insure my teen driver?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form. It is quick, free and can help protect your family.

Factors that might impact rates for a Ford Escort

Consumers need to have an understanding of the factors that play a part in calculating the price you pay for insurance. Knowing what determines base rates empowers consumers to make smart changes that will entitle you to lower insurance prices.

  • A clean driving record saves money – Whether or not you get tickets has a lot to do with how much you pay for insurance. Only having one moving violation can bump up the cost by as much as thirty percent. Drivers who don’t get tickets have lower premiums than people who have multiple driving citations. Drivers with severe tickets like DUI or reckless driving are required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to drive a vehicle legally.
  • Big city or small town – Residing in small towns and rural areas is a positive aspect when insuring your vehicles. Drivers in populated areas tend to have more traffic problems and a longer drive to work. Less people living in that area means reduced accidents as well as less vandalism and auto theft.
  • Older drivers save more – Older drivers are more cautious drivers, tend to cause fewer accidents and are safer drivers. Youthful drivers tend to be more careless behind the wheel therefore insurance rates are much higher.
  • Don’t skimp on liability – Liability coverage provides coverage when a court rules you are at fault for damages from an accident. It will provide legal defense coverage which can cost thousands of dollars. Liability insurance is quite affordable when compared with rates for comp and collision, so drivers should carry high limits.

Do drivers who switch really save?

Drivers constantly see and hear ads for car insurance savings by companies like Allstate and Progressive. They all make the same claim of big savings after switching to them.

How does each company say the same thing?

All the different companies have a preferred profile for the driver that is profitable for them. For instance, a driver they prefer could be between the ages of 30 and 50, has no driving citations, and has excellent credit. A driver that hits that “sweet spot” receives the best rates and is almost guaranteed to save when they switch companies.

Potential insureds who don’t measure up to these standards will be quoted higher prices and this can result in the driver buying from a lower-cost company. The ads state “drivers who switch” not “people who quote” save that much money. That’s why insurance companies can confidently advertise the way they do. This emphasizes why you need to get as many quotes as possible. It is impossible to predict which car insurance company will provide you with the cheapest Ford Escort insurance rates.

Insurance policy specifics

Learning about specific coverages of your insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement.

Liability coverages

This coverage can cover damage or injury you incur to people or other property that is your fault. It protects YOU against other people’s claims, and does not provide coverage for 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. You commonly see values of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims like court costs, loss of income, bail bonds, medical services and legal defense fees. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for expenses such as doctor visits, chiropractic care and pain medications. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Collision coverage protection

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as sideswiping another vehicle, crashing into a ditch, driving through your garage door and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Comprehensive or Other Than Collision

This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from flooding, vandalism, a broken windshield, a tree branch falling on your vehicle and hitting a deer. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Ford Escort.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

In Summary

We just showed you many ideas to shop for 1991 Ford Escort insurance online. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may discover the most savings is with an unexpected company.

Cheap insurance can be sourced both online and also from your neighborhood agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies may not provide online quoting and most of the time these regional insurance providers sell through independent agents.

Drivers leave their current company for many reasons like being labeled a high risk driver, lack of trust in their agent, policy cancellation and policy non-renewal. Regardless of your reason, choosing a new insurance company is not as hard as you think.

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