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Ford Escort Insurance Rates

You have many choices when insurance shopping for your Ford vehicle. You can buy direct from an insurance agent or price shop online to check prices from lots of different providers. Buying auto insurance through online providers is simple to do, in addition you may find lower rates.

Shopping online for auto insurance can be complicated if you have never used online quotes. But don't be discouraged because we're going to show you how. Cutting your Escort insurance cost is surprisingly easy. Drivers just need to take a couple of minutes to compare quotes online with multiple companies. This can be accomplished by completing this short form.

Criteria which help determine Ford insurance rates

Insurance premiums on a Ford Escort can vary widely subject to many criteria. A few of these criteria are:

  • More performance equals higher cost
  • Any accidents you may have
  • Multiple policies can save money
  • Pleasure use vs. commuting use
  • Your birth date
  • Having a spouse can save money
  • Optional coverages like vehicle replacement
  • Whether or not you have claims
  • No coverage lapses saves money
  • Owning a home can lower rates

One important consideration that helps determine your rates is the age of the vehicle. New vehicles cost more compared to older Ford models so the payout to repair can inflate annual premiums. Conversely, newer vehicles have more advanced features such as lane departure warning system, a collision avoidance system, a rollover prevention system, and an advanced theft deterrent system which can give discounted rates.

To get a better idea how much rates will be for your vehicle, select the year of your Escort from the following list.

Liability auto insurance - Escort liability coverage can cover injuries or damage you cause to people or other property in an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. This coverage is usually fairly inexpensive so buy higher limits if possible.

Collision - Collision insurance covers damage to your Ford resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage. Collision coverage for your Escort can be pricey, so consider removing coverage from lower value vehicles. It's also possible to increase the deductible to bring the cost down.

Comprehensive (Other than Collision) - This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

UM/UIM Coverage - This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Since many drivers have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Medical expense insurance - Coverage for medical payments and/or PIP reimburse you for bills like ambulance fees, surgery, and doctor visits. They are used in conjunction with a health insurance policy or if you do not have health coverage. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.

How Much are Ford Escort Insurance Rates?