1995 Ford Escort Insurance Cost

Trying to find the cheapest insurance coverage rates for your Ford Escort? Tired of not being able to afford to pay your car insurance bill each month? You are no different than the majority of other car owners.

Big-name insurance companies like Progressive, State Farm and GEICO constantly bombard you with advertising and it is difficult to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

How to reduce 1995 Ford Escort insurance rates

Companies offering auto insurance don’t list every discount in an easy-to-find place, so we took the time to find some of the best known as well as the least known ways to save on insurance.

  • Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school.
  • E-sign – Certain companies will discount your bill up to fifty bucks for buying your policy digitally online.
  • Discount for New Cars – Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Senior Citizens – If you’re over the age of 55, you may be able to get reduced rates for Escort insurance.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Good Students Pay Less – Performing well in school can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
  • Discount for Life Insurance – Companies who offer life insurance give better rates if you take out a life insurance policy as well.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Payment Discounts – If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
  • Resident Student – Any of your kids living away from home attending college and do not have a car can receive lower rates.

Keep in mind that most discounts do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like you can get free auto insurance, it doesn’t quite work that way.

To see a list of providers offering insurance discounts, click here to view.

The method we recommend to compare car insurance rates is to know the fact most insurance companies allow for online access to give you rate quotes. The only thing you need to do is give them rating details including whether the vehicles are used for commuting, if your license is active, whether you are married, and distance driven. The data is then sent to many highly-rated insurers and they return rate quotes with very little delay.

To get price quotes for your Ford Escort , click here and complete the form.

Tailor your coverage to you

When choosing the best insurance coverage, there isn’t really a one size fits all plan. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that can help discover whether or not you could use an agent’s help.

  • Is my 1995 Ford Escort covered for smoke damage?
  • What is roadside assistance coverage?
  • What is UM/UIM insurance?
  • How high should my medical payments coverage be?
  • Can I still get insurance after a DUI?
  • Are all vehicle passengers covered by medical payments coverage?
  • When does my teenage driver need to be added to my policy?
  • Am I covered when driving someone else’s vehicle?

If you’re not sure about those questions then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Car insurance 101

Having a good grasp of auto insurance aids in choosing appropriate coverage and the correct deductibles and limits. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on the average auto insurance policy.

Collision coverages – Collision coverage covers damage to your Escort resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like rolling your car, scraping a guard rail, colliding with another moving vehicle, crashing into a building and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Coverage for liability – This provides protection from injuries or damage you cause to a person or their property in an accident. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims such as medical expenses, bail bonds, structural damage and medical services. 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.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your 1995 Ford Escort.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Comprehensive insurance – This covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, fire damage and vandalism. The most your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance pay for immediate expenses for prosthetic devices, EMT expenses, funeral costs, pain medications and doctor visits. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Save your hard earned cash

When shopping online for car insurance, you should never sacrifice coverage to reduce premiums. In too many instances, consumers will sacrifice liability coverage limits and learned later that it was a big mistake. The aim is to buy a smart amount of coverage for the lowest price while still protecting your assets.

Throughout this article, we presented some good ideas how to lower your 1995 Ford Escort insurance rates. The most important thing to understand is the more companies you get rates for, the better your chances of lowering your rates. Consumers may even find the best price on car insurance is with a company that doesn’t do a lot of advertising. They often have lower prices on specific markets than their larger competitors like State Farm and Allstate.

More detailed car insurance information can be found in the articles below: