Save on 1992 Ford Escort Car Insurance Quotes

Paying for high-priced Ford Escort insurance can overdraw your savings account and make it impossible to make ends meet. Doing a price comparison is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away.

There are many insurers to pick from, and although it’s nice to have multiple companies, too many choices makes it more difficult to find the lowest cost provider.

The purpose of this post is to tell you how to effectively get price quotes. If you have car insurance now, you should be able to cut costs considerably using these methods. But vehicle owners must understand how the larger insurance companies market insurance on the web and apply this information to your search.

Ford Escort insurance rates have many determining factors

Smart consumers have a good feel for the rating factors that play a part in calculating the rates you pay for insurance. Understanding what influences your rates helps enable you to make changes that may reward you with much lower annual insurance costs.

Shown below are a partial list of the pieces that factor into rates.

  • Frequent insurance claims increase rates – If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Insurance companies give better rates to drivers who do not file claims often. Auto insurance is meant to be used in the event of the large, substantial claims.
  • Don’t get talked into coverage you don’t need – There are many add-on coverages you can purchase on your Escort policy. Things like rental car reimbursement, better glass coverage and motor club memberships are examples of these. They may seem like a good idea when you first buy your policy, but if you don’t need them remove them from your policy.
  • Optional equipment can affect rates – Owning a car with anti-theft technology or alarm system can help bring down rates. Theft prevention features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent car theft.
  • Bump up deductibles to save – Deductibles for physical damage represent how much money you are required to spend out-of-pocket before your insurance pays a claim. Physical damage coverage, also known as collision and other-than-collision, protects your car from damage. A few examples of covered claims are colliding with a building, vandalism, and windstorm damage. The more money you have to pay, the lower your rates will be for Escort coverage.

Discounts on Ford Escort insurance

Car insurance is not cheap, but you can get discounts that you may not know about. Some trigger automatically when you complete an application, but a few need to be asked about before being credited.

  • Safe Driver Discount – Drivers who don’t get into accidents may save up to 50% more for Escort coverage than drivers with accident claims.
  • Seat Belt Usage – Requiring all passengers to use a seat belt can save up to 15% off the personal injury premium cost.
  • Homeowners Pay Less – Owning a house may trigger a auto insurance policy discount because maintaining a house is proof that your finances are in order.
  • Auto/Life Discount – Some companies give a break if you buy auto and life insurance together.
  • 55 and Retired – If you’re over the age of 55, you may be able to get better auto insurance rates for Escort coverage.
  • Defensive Driver – Taking part in a driver safety course can save you 5% or more if you qualify.
  • Military Discounts – Being on active duty in the military can result in better rates.

A little note about advertised discounts, most credits do not apply to your bottom line cost. A few only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like having all the discounts means you get insurance for free, it just doesn’t work that way. But any discount will help reduce the amount you have to pay.

A partial list of companies that may offer these money-saving discounts are:

Before buying, ask each insurance company which discounts you may be entitled to. Savings may not apply everywhere.

Slick advertising tricks that work

Auto insurance providers like State Farm and Allstate consistently run ads on television and other media. They all say the same thing about savings if you change to them. How do they all say the same thing? This is how they do it.

Insurance companies are able to cherry pick for the right customer that earns them a profit. For example, a driver they prefer might be profiled as between the ages of 30 and 50, owns a home, and has excellent credit. A customer that hits that “sweet spot” is entitled to the best price and therefore will save a lot of money.

Consumers who fall outside the “perfect” profile will have to pay higher rates which leads to the customer not buying. The ads state “drivers who switch” not “people who quote” save that kind of money. That is how insurance companies can state the savings.

Because of the profiling, you absolutely need to get as many quotes as possible. It’s just too difficult to predict the company that will provide you with the cheapest Ford Escort insurance rates.

Tailor your coverage to you

When it comes to choosing the best auto insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions can help discover if you may require specific advice.

  • Does my medical payments coverage pay my health insurance deductible?
  • How can I get my company to pay me more for my totalled car?
  • Will filing a claim cost me more?
  • Do I benefit by insuring my home with the same company?
  • How many claims can I have before being cancelled?
  • Is there coverage for injuries to my pets?
  • What is an SR-22 filing?
  • Should I buy only the required minimum liability coverage?
  • Is my custom paint covered by insurance?
  • When do I need to add a new car to my policy?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

The coverage is in the details

Having a good grasp of a car insurance policy can help you determine the best coverages and the correct deductibles and limits. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverage types offered by car insurance companies.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for immediate expenses such as EMT expenses, chiropractic care and nursing services. They can be utilized in addition to your health insurance program or if you do not have health coverage. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Liability coverage

Liability coverage provides protection from injuries or damage you cause to other people or property by causing an accident. This coverage protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits 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 a limit of $50,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as structural damage, repair bills for other people’s vehicles, pain and suffering, attorney fees and funeral expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things like rock chips in glass, falling objects, fire damage and hitting a deer. The most a car 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 removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Ford Escort.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Auto collision coverage

This covers damage to your Escort caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as backing into a parked car, driving through your garage door, hitting a parking meter and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

Affordable insurance is out there

Low-cost 1992 Ford Escort insurance can be found from both online companies and with local insurance agents, and you need to price shop both to have the best selection. Some insurance companies do not offer online quoting and many times these small, regional companies only sell through independent insurance agents.

In this article, we covered a lot of information how to reduce insurance prices online. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. You may be surprised to find that the most savings is with a small mutual company. Some small companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate, GEICO and Progressive.

To read more, link through to these articles: