1991 Ford Escort Insurance Rates – 6 Tips for Cheaper Quotes

Looking for lower car insurance rates for your Ford Escort? Feel like you’re a prisoner to overpriced car insurance? Trust us, you are not the only one feeling buyer’s remorse. Drivers have multiple insurance companies to pick from, and though it is a good thing to have a choice, so many choices can make it hard to compare rates.

Pricing the cheapest insurance coverage is easy if you know what you’re doing. If you have a current insurance policy or are just looking to switch companies, you can use this information to shop for the lowest rates while maximizing coverage. Drivers only need an understanding of the tricks to compare company rates on the web.

The most recommended method to compare rate quotes is to take advantage of the fact most insurance companies will pay a fee to provide you with a free rate quote. The one thing you need to do is provide a small amount of information such as level of coverage desired, if you require a SR-22, how much school you completed, and driver ages. Your rating data gets sent immediately to multiple companies and they provide comparison quotes with very little delay.

To compare multiple company rates now, click here and enter your coverage details.

Switch companies and save? Really?

Consumers constantly see and hear ads for car insurance savings by companies like Allstate, Geico and Progressive. All the companies make an identical promise that you’ll save big if you switch to them.

How do they all make the same claim?

Different companies can use profiling for the driver that makes them money. For instance, a profitable customer might be profiled as between 25 and 40, owns a home, and drives less than 10,000 miles a year. A customer getting a price quote who meets those qualifications will get very good rates and is almost guaranteed to pay quite a bit less when switching companies.

Potential customers who are not a match for this ideal profile will be charged higher prices and ends up with business not being written. The ad wording is “customers that switch” not “everyone that quotes” save that kind of money. This is how insurance companies can make the claims of big savings.

That is why you need to get as many quotes as possible. It’s impossible to know the company that will give you the biggest savings on Ford Escort insurance.

Do you qualify for a discount?

Car insurance can cost a lot, but there could be available discounts that many people don’t even know exist. Certain discounts will be applied at the time you complete a quote, but some may not be applied and must be specially asked for before you will receive the discount. If you don’t get every credit available, you’re paying more than you need to.

  • Own a Home – Owning a home may earn you a small savings because owning a home demonstrates responsibility.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.
  • Discount for Life Insurance – Companies who offer life insurance give better rates if you take out a life insurance policy as well.
  • Safety Course Discount – Completing a defensive driving course could cut 5% off your bill depending on where you live.
  • Student Driver Training – Require your teen driver to complete a driver education course if it’s offered in school.
  • Anti-theft Discount – Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.

As a disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like medical payments or collision. Just because you may think all the discounts add up to a free policy, it just doesn’t work that way. But any discount will bring down your overall premium however.

To see a list of providers with the best car insurance discounts, click here to view.

What coverages do I need?

When buying coverage, there is no one size fits all plan. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that can help discover if your situation might need professional guidance.

  • Will filing a claim cost me more?
  • Should I carry comprehensive and collision coverage?
  • Does my policy cover my teen driver if they drive my company car?
  • What companies insure drivers after a DUI or DWI?
  • Who is covered when they drive my 1991 Ford Escort?
  • Will I lose any money if I cancel my policy before it expires?
  • What is UM/UIM insurance?
  • Is my dog or cat covered if injured in an accident?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

Coverages available on your policy

Understanding the coverages of your car insurance policy helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring. These are the normal coverages available from car insurance companies.

Liability insurance

Liability insurance will cover injuries or damage you cause to a person or their property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as court costs, medical expenses, repair bills for other people’s vehicles, legal defense fees and attorney fees. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from a tornado or hurricane, fire damage, hail damage and theft. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage

Collision coverage covers damage to your Escort caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like rolling your car, driving through your garage door, colliding with another moving vehicle and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Uninsured and underinsured coverage

This provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Ford Escort.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Frequently these limits do not exceed the liability coverage limits.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for expenses for prosthetic devices, rehabilitation expenses, funeral costs, dental work and X-ray expenses. They can be used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

More quotes. Lower rates.

Discount 1991 Ford Escort insurance can be sourced both online in addition to many insurance agents, and you need to price shop both in order to have the best price selection to choose from. A few companies do not provide online quoting and many times these small, regional companies only sell through independent insurance agents.

When shopping online for insurance coverage, make sure you don’t buy poor coverage just to save money. In many instances, drivers have reduced liability coverage limits and found out when filing a claim that it was a big error on their part. Your focus should be to buy a smart amount of coverage at a price you can afford.

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