2000 Ford Escort Insurance Rates – 6 Tricks for Cheaper Quotes

Trying to find lower auto insurance rates for your Ford Escort? Did you fall for a flashy sales pitch and buy overpriced auto insurance? Believe me, you’re not the only one.

With so many online and local companies to choose from, it’s difficult to find the right insurer.

Finding the best rates is not rocket science. If you currently have a car insurance policy, you should be able to reduce your rates substantially using these tips. Nevertheless, drivers must know the way insurance companies sell insurance online because it can help you find the best coverage.

Compare the Market for Insurance Coverage

There are a lot of ways you can shop for insurance coverage and some are less time-consuming than others. You can spend your afternoon discussing policy coverages with agents in your area, or you could save time and use the web to get the quickest rates.

Most of the best insurance companies enroll in a system where insurance shoppers enter their policy data once, and every company can provide price quotes. This eliminates the need for repetitive form submissions for every insurance coverage company.

To enter your information into the quoting system, click here to start a free quote.

The only downside to using this type of form is buyers cannot specifically choose which providers you will receive quotes from. If you prefer to choose individual companies to compare rates, we have assembled a list of companies who write insurance coverage in your area. View list of insurance companies.

Whichever way you use, make sure you use identical information for each comparison quote. If you compare different values for each quote you will not be able to determine the best price for your Ford Escort. Having just a slight variation in limits may result in a large different in cost. Keep in mind that quoting more will increase your chances of finding lower pricing.

Switch companies and save? Really?

Auto insurance companies such as Allstate, GEICO and Progressive constantly bombard you with ads on TV and radio. They all seem to make an identical promise of big savings if you switch your coverage to them. How does each company say the same thing?

Different companies have a certain “appetite” for the driver that earns them a profit. An example of a profitable customer could be between 25 and 40, a clean driving record, and drives less than 7,500 miles a year. A customer who matches those parameters receives the best rates and as a result will probably save when they switch companies.

Potential customers who don’t qualify for the “perfect” profile will have to pay a higher premium and this can result in business not being written. The ads state “customers that switch” but not “drivers who get quotes” save money. This is how companies can advertise the savings. Because of the profiling, drivers must get a wide range of price quotes. It is impossible to predict which company will give you the biggest savings on Ford Escort insurance.

Companies offer discounts so take them!

Companies do not advertise all their discounts very clearly, so we break down both well-publicized and the harder-to-find auto insurance savings.

  • No Charge for an Accident – Certain companies permit an accident without raising rates if your claims history is clear prior to the accident.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
  • 55 and Retired – Older drivers may be able to get reduced rates for Escort insurance.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Payment Discounts – By paying your policy upfront instead of making monthly payments you could save up to 5%.
  • Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less for Escort insurance than drivers with accidents.

Keep in mind that most of the big mark downs will not be given to the entire policy premium. Some only reduce specific coverage prices like liability and collision coverage. Even though it may seem like you would end up receiving a 100% discount, companies don’t profit that way.

For a list of insurers with the best auto insurance discounts, click here.

Do I just need basic coverages?

When buying adequate coverage, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions can aid in determining if your insurance needs might need professional guidance.

  • Does liability extend to a camper or trailer?
  • Is my 2000 Ford Escort covered for smoke damage?
  • Can I still get insurance after a DUI?
  • If my pet gets injured in an accident are they covered?
  • Do I need replacement cost coverage?
  • What is the minimum liability in my state?
  • Does coverage extend to Mexico or Canada?
  • Is a fancy paint job covered?
  • Is my babysitter covered when using my vehicle?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Insurance coverages explained

Learning about specific coverages of insurance helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Shown next are the usual coverages offered by insurance companies.

UM/UIM Coverage

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Escort.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Auto liability insurance

Liability insurance will cover damage that occurs to a person or their property that is your fault. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers things like emergency aid, attorney fees and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for EMT expenses, rehabilitation expenses, funeral costs and ambulance fees. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

This pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as theft, falling objects, hitting a deer, rock chips in glass and damage from flooding. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto collision coverage

This coverage will pay to fix damage to your Escort caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like damaging your car on a curb, hitting a mailbox and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Save for a rainy day

You just learned a lot of ways to get a better price on 2000 Ford Escort insurance. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your rates. Consumers could even find that the lowest rates come from an unexpected company. They may cover specific market segments cheaper compared to the large companies like Allstate or State Farm.

As you restructure your insurance plan, never sacrifice coverage to reduce premiums. There are many occasions where someone sacrificed liability coverage limits and learned later that it was a big mistake. The aim is to buy enough coverage at a price you can afford while still protecting your assets.

More detailed insurance information is located at these sites: