Compare 1999 Ford Escort Insurance Cost

Buyers have many options when searching for affordable Ford Escort insurance. They can either spend hours contacting agents to compare prices or utilize the internet to compare rates.

There are both good and bad ways to buy insurance coverage so we’re going to tell you the quickest way to compare rates on a Ford and obtain the lowest price either online or from local insurance agents.

If you are insured now or are just looking to switch companies, you can follow these tips to find better prices and possibly find even better coverage. This article will introduce you to the best way to quote coverages and some tips to save money. Vehicle owners only need an understanding of the tricks to get comparison rates online.

How much can you save with discounts?

The price of auto insurance can be rather high, but you can get discounts to help offset the cost. Most are applied at the time of purchase, but less common discounts must be inquired about before being credited. If you’re not getting every credit you deserve, you are throwing money away.

  • Braking Control Discount – Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Use Seat Belts – Requiring all passengers to buckle their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Employee of Federal Government – Active or retired federal employment could cut as much as 10% off on Escort coverage depending on your company.
  • Student in College – Any of your kids who live away from home and do not have access to a covered vehicle may be able to be covered for less.
  • Safe Driver Discount – Insureds without accidents can get discounts for up to 45% lower rates on Escort coverage than their less cautious counterparts.
  • Service Members Pay Less – Having a family member in the military could mean lower rates.

It’s important to note that most discounts do not apply to the entire policy premium. Some only reduce the cost of specific coverages such as liability and collision coverage. Even though it may seem like having all the discounts means you get insurance for free, companies don’t profit that way. But all discounts will bring down your premiums.

To see a list of insurers who offer auto insurance discounts, click here to view.

How to Buy Auto Insurance Online

Finding lower auto insurance rates is actually quite simple. You just need to take a couple of minutes to compare rate quotes online from several insurance companies. This is very easy and can be done using a couple different methods.

  • The recommended way consumers can analyze rates is an all-inclusive rate comparison click here to open form in new window. This easy form keeps you from doing multiple quote forms to each individual auto insurance company. Just one form will return quotes from auto insurance companies with the best prices. It’s definitely the quickest method.
  • Another way to get comparison quotes requires a trip to each individual company website to request a price quote. For instance, we’ll assume you want to compare rates from Liberty Mutual, Allstate and Travelers. To get rate quotes you would need to visit each site to enter your coverage information, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.

It’s up to you how you get prices quotes, just make darn sure you compare apples-to-apples coverages and limits with each company. If you enter unequal deductibles or liability limits then you won’t be able to truly determine the lowest rate.

How much car insurance do I need?

When it comes to buying the best insurance coverage, there really is no “perfect” insurance plan. Every situation is different.

For instance, these questions might help in determining if you might need an agent’s assistance.

  • Is my nanny covered when driving my vehicle?
  • What exactly is covered by my policy?
  • Am I covered if I hit a deer?
  • Which companies will insure high-risk drivers?
  • Does insurance cover tools stolen from my truck?
  • Who is covered when they drive my 1999 Ford Escort?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and you can get the answers you need.

Insurance coverage basics

Learning about specific coverages of your insurance policy helps when choosing the best coverages for your vehicles. Insurance terms can be difficult to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Ford Escort.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Frequently these limits do not exceed the liability coverage limits.

Comprehensive insurance

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hitting a bird, a tree branch falling on your vehicle, theft and damage from getting keyed. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for expenses for things like funeral costs, prosthetic devices, EMT expenses, doctor visits and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Coverage for collisions

This coverage covers damage to your Escort from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims like colliding with another moving vehicle, colliding with a tree, crashing into a ditch and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Coverage for liability

Liability insurance will cover damages or injuries you inflict on a person or their property. It protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Some companies may use one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as pain and suffering, medical expenses, loss of income and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

In any little way, save everyday

As you prepare to switch companies, don’t be tempted to skimp on critical coverages to save a buck or two. There are many occasions where someone dropped liability coverage limits and discovered at claim time that the few dollars in savings costed them thousands. Your strategy should be to find the BEST coverage at a price you can afford.

Low-cost 1999 Ford Escort insurance is available both online as well as from independent agents, so compare prices from both so you have a total pricing picture. A few companies don’t offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

Drivers who switch companies do it for a number of reasons such as denial of a claim, unfair underwriting practices, an unsatisfactory settlement offer or delays in paying claims. No matter why you want to switch, choosing a new insurance company is actually quite simple.

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