1993 Ford Escort Insurance Cost – 5 Tips to Save

Have you had enough of not being able to afford to pay your car insurance bill each month? You are no different than many other drivers.

Multiple insurers compete to insure your vehicles, and because of this it can be hard to compare car insurance companies and get the definite best rate

It’s important to check insurance prices before your policy renews because rates change quite often. Even if you think you had the lowest price for Escort coverage on your last policy you can probably find a lower rate today. Block out anything you think you know about insurance because I’m going to let you in on the secrets to how to quote online to eliminate unnecessary coverages and save money.

If you currently have car insurance, you stand a good chance to be able to save some money using these techniques. Finding affordable coverage is quite easy. But vehicle owners can benefit from knowing how the larger insurance companies sell online and apply this information to your search.

Do you qualify for these five discounts?

Companies offering auto insurance don’t always advertise all available discounts very clearly, so we took the time to find some of the more common and also the lesser-known savings tricks you should be using.

  • Braking Control Discount – Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
  • Government Employees – Employees or retirees of the government can save as much as 8% for Escort coverage with select insurance companies.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
  • Auto/Home Discount – When you combine your home and auto insurance with the same company you will save up to 20% off your total premium.
  • Homeowners Discount – Simply owning a home can save you money because of the fact that having a home is proof that your finances are in order.

It’s important to note that most discounts do not apply the the whole policy. Some only reduce individual premiums such as comprehensive or collision. Just because you may think all those discounts means the company will pay you, you’re out of luck.

For a list of insurers with discount car insurance rates, click this link.

Free Car Insurance Quotes

When shopping for car insurance there are multiple ways to compare quotes from different insurance companies. The fastest way to compare 1993 Ford Escort insurance prices is to perform an online rate comparison. This can be accomplished in several different ways.

  • The single most time-saving way consumers can make multiple comparisons would be an industry-wide quote request form click here to open form in new window. This easy form eliminates the need for separate forms for each company you want a rate for. Taking the time to complete one form gets you coverage quotes instantly.
  • A more difficult way to analyze rates requires visiting the website of each company and complete a new quote form. For examples sake, let’s assume you want to compare Farmers, Allstate and Progressive. You would have to visit each site to enter your coverage information, which is why most consumers use the first method.

    To view a list of companies in your area, click here.

  • The least efficient method to get comparison rates is to drive around to and from local insurance agencies. Shopping for car insurance online makes this process obsolete unless you have a need for the trained guidance of a local agent. However, consumers can find lower rates online but buy from a local insurance agent and we’ll touch on that later.

Whichever way you use, double check that you are using exactly the same coverage information with every price quote. If you are comparing different limits and deductibles on each one you can’t possibly determine the lowest rate for your Ford Escort. Just a small difference in coverage limits may result in large price differences. Keep in mind that comparing a large number of companies helps you find the best offered rates.

Don’t assume everyone needs the same coverage

When it comes to buying the best car insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions might help in determining if your insurance needs might need professional guidance.

  • Can I afford low physical damage deductibles?
  • If my pet gets injured in an accident are they covered?
  • Do I need roadside assistance coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • What if I total my 1993 Ford Escort and owe more than it’s worth?
  • Is my Ford Escort covered if I use it for business?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Can I drive in Mexico and have coverage?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Do auto insurance companies bend the truth?

Companies like 21st Century, Allstate and State Farm regularly use ads on TV and radio. All the ads have a common claim of big savings if you move your policy. How can each company say the same thing? This is how they do it.

All the different companies have a preferred profile for the right customer that is profitable for them. A good example of a driver they prefer might be profiled as between the ages of 30 and 50, insures multiple vehicles, and chooses high deductibles. Any new insured who matches those parameters receives the best rates and as a result will probably save when switching.

Consumers who do not match the “perfect” profile will have to pay higher prices which usually ends up with the customer not buying. The ad wording is “drivers who switch” not “people who quote” save that much. That is how companies can make those claims. Because of the profiling, you need to compare many company’s rates. It is impossible to predict which insurance companies will provide you with the cheapest Ford Escort insurance rates.

Car insurance 101

Learning about specific coverages of your insurance policy can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. These are the usual coverages available from insurance companies.

Coverage for liability

This coverage protects you from damages or injuries you inflict on other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability can pay for things such as medical expenses, repair bills for other people’s vehicles, attorney fees and medical services. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Ford Escort.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive insurance

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as hail damage, vandalism, theft, falling objects and fire damage. The most your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for collisions

This coverage covers damage to your Escort from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like sustaining damage from a pot hole, scraping a guard rail and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for short-term medical expenses for things like doctor visits, chiropractic care, ambulance fees and prosthetic devices. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

In Summary

As you shop your coverage around, you should never reduce coverage to reduce premium. In many instances, someone dropped liability coverage limits only to regret that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy enough coverage for the lowest price, not the least amount of coverage.

Discount 1993 Ford Escort insurance can be sourced from both online companies in addition to many insurance agents, so you should compare both to have the best rate selection. Some insurance providers do not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

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