View 1994 Ford Escort Insurance Quotes

I can’t think of a single person who likes having to buy insurance coverage, in particular when their premiums are too high.

Lots of insurers contend to insure your vehicles, so it’s not easy to compare every provider to discover the definitive best rate

How to Get Insurance

To find the best insurance prices, there are several ways of comparing price quotes from different insurance companies. The quickest method to compare 1994 Ford Escort insurance prices is to use the internet to compare rates. It is quite easy and can be accomplished in several different ways.

• The best way to find low rates is a comparison rater form click to view form in new window. This form eliminates the need for separate quote forms for each company you want a rate for. A single, simple form will return quotes from multiple low-cost companies.
• Another way to shop for insurance online requires a visit to the website of each company and complete a new quote form. For instance, we’ll pretend you want to compare rates from GEICO, Farmers and Progressive. To get each rate you have to visit each site and enter your policy data, which is why the first method is more popular.

  For a handy list of car insurance company links in your area, click here.

• The least efficient method to get comparison rates is to waste gas driving to different agent offices. Shopping for insurance online can eliminate the need for a local agent unless you require the trained guidance that only a license agent can provide. Drivers can obtain prices from the web but buy from a local insurance agent. We’ll cover that shortly.

Whichever method you choose, make absolute certain that you use the exact same coverage limits with every price quote. If you compare unequal deductibles or liability limits you can’t possibly truly determine the lowest rate. Slightly different insurance coverages can mean a large discrepancy in price. Keep in mind that obtaining a wide range of quotes will enable you to find lower pricing.

Save money by taking advantage of these discounts

Auto insurance companies don’t always advertise every discount very well, so we took the time to find both the well known as well as the least known discounts you could be receiving.

• Club Memberships – Participating in a professional or civic organization could trigger savings on your policy on Escort insurance.
• Paperless Signup – A handful of insurance companies may give you up to $50 just for signing your application digitally online.
• Defensive Driving Course – Taking a driver safety course could possibly earn you a 5% discount depending on where you live.
• Government Employees – Simply working for the federal government may qualify you for a discount on Escort insurance depending on your company.
• Homeowners Discount – Owning a house can help you save on insurance due to the fact that maintaining a home demonstrates responsibility.

It’s important to understand that many deductions do not apply to the overall cost of the policy. Some only apply to individual premiums such as comprehensive or collision. Just because you may think all the discounts add up to a free policy, you’re out of luck.

For a list of insurers who offer insurance discounts, follow this link.

When should I use an insurance agent?

When it comes to choosing the right insurance coverage for your vehicles, there really is not a one size fits all plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions may help you determine if you may require specific advice.

• When does my teenage driver need to be added to my policy?
• Where can I get insurance after a DUI in my state?
• Do I have newly-aquired coverage?
• Where can I find DUI or SR-22 insurance?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Is there coverage for injuries to my pets?
• Can my teen driver be rated on a liability-only vehicle?
• Are my tools covered if they get stolen from my vehicle?
• Why does it cost so much to insure a teen driver?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Specifics of your insurance policy

Having a good grasp of a insurance policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types found on the average insurance policy.

Comprehensive (Other than Collision) – This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, rock chips in glass and fire damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical expense insurance – Medical payments and Personal Injury Protection insurance pay for bills like nursing services, chiropractic care and ambulance fees. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers – This provides protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 1994 Ford Escort.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Auto liability insurance – This protects you from damage that occurs to a person or their property. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things like structural damage, pain and suffering, medical services, bail bonds and medical expenses. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Collision coverage – This pays for damage to your Escort from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like damaging your car on a curb, hitting a mailbox, sustaining damage from a pot hole, hitting a parking meter and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.