1997 Ford Escort Insurance Cost – 9 Ways to Save

Consumers have options when looking for low-cost Ford Escort insurance. You can either spend your time driving around to compare prices or leverage the internet to find the lowest rates.

There are both good and bad ways to find insurance coverage online so you’re going to learn the absolute fastest way to get price quotes for your Ford and get the lowest possible price either online or from local insurance agents.

It’s smart to take a look at other company’s rates yearly due to the fact that insurance rates are constantly changing. Even if you got the best price for Escort coverage two years ago you will most likely find a better rate today. Starting right now, forget all the misinformation about insurance coverage because it’s time to teach you the tricks you need to know to save on insurance coverage.

The best way to compare rates is to know car insurance companies pay for the opportunity to provide you with free rate quotes. The only thing you need to do is provide a small amount of information like if you’re married, types of safety features, your occupation, and if your license is active. Your insurance information is automatically sent to all major companies and you will receive price estimates with very little delay.

To get price quotes for your 1997 Ford Escort, click here and find out if you can get cheaper insurance.

Discounts are basically free money

Car insurance can cost a lot, but you may find discounts that you may not even be aware of. Most are applied when you purchase, but a few need to be manually applied prior to receiving the credit. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.

  • Air Bag Discount – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of more than 20%.
  • Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
  • Auto/Life Discount – Larger companies have better rates if you take out life insurance.
  • Low Mileage Discounts – Low mileage vehicles could be rewarded with a substantially lower rate.
  • No Accidents – Good drivers with no accidents pay less compared to frequent claim filers.
  • Defensive Driver – Completing a course in driver safety could cut 5% off your bill if your company offers it.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems help deter theft and qualify for as much as a 10% discount.
  • Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. The discount lasts up to age 25.
  • Discount for Swiching Early – A few companies offer discounts for switching policies before your current policy expires. The savings is around 10%.

It’s important to understand that most discount credits are not given to the entire cost. Most only reduce the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears you would end up receiving a 100% discount, auto insurance companies aren’t that generous. Any qualifying discounts will cut your premiums.

Companies who might offer some of the above discounts are:

Before buying, ask every prospective company which discounts they offer. Savings may not apply everywhere.

Which insurance is the “right” coverage?

When choosing coverage, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s.

Here are some questions about coverages that could help you determine whether or not you might need professional guidance.

  • Do I need replacement cost coverage?
  • Is a fancy paint job covered?
  • Why do I only qualify for high-risk insurance?
  • Why does it cost so much to insure a teen driver?
  • What is UM/UIM insurance?
  • Can I drive in Mexico and have coverage?
  • Am I covered when pulling a rental trailer?
  • What can I do if my company denied a claim?
  • Do I have coverage if my license is suspended?
  • I have health insurance so do I need medical payments coverage?

If you can’t answer these questions, you might consider talking to an agent. To find an agent in your area, complete this form. It’s fast, free and can help protect your family.

Auto insurance 101

Understanding the coverages of insurance can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

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

Comprehensive coverage protects against things like hitting a deer, hail damage and theft. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your 1997 Ford Escort.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these limits are set the same as your liablity limits.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like chiropractic care, surgery and dental work. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage – Collision coverage will pay to fix damage to your Escort from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as driving through your garage door, sideswiping another vehicle, hitting a parking meter, backing into a parked car and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Auto liability – Liability insurance provides protection from injuries or damage you cause to other’s property or people by causing an accident. This coverage protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as court costs, emergency aid and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Take this to the bank

Cost effective 1997 Ford Escort insurance can be bought both online and also from your neighborhood agents, so compare prices from both in order to have the best chance of saving money. Some companies may not provide you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

In this article, we presented a lot of ways to reduce insurance prices online. It’s most important to understand that the more rate comparisons you have, the better likelihood of reducing your rate. You may even find the best prices are with some of the smallest insurance companies.

Consumers leave their current company for a number of reasons such as questionable increases in premium, delays in paying claims, lack of trust in their agent or even extreme rates for teen drivers. Whatever your reason, switching companies is not as difficult as it may seem.

Much more information about auto insurance can be read below: