How Much Does 1992 Ford Escort Car Insurance Cost?

Want better car insurance rates for your Ford Escort? Overpriced Ford Escort insurance can drain your bank account and make it hard to pay other bills. Comparison shopping is a smart way to make sure you’re not throwing money away.

With consumers having so many insurance providers from which to choose, it is hard for the average consumer to choose the right insurance company.

It’s smart to shop coverage around periodically due to the fact that insurance rates are adjusted regularly by insurance companies. Just because you found the lowest rates for Escort coverage a few years ago you can probably find a lower rate today. Don’t believe everything you read about car insurance on the web, but with this article, you’re going to get some excellent ideas to buy car insurance cheaper.

Insurance Coverage Prices Online

Performing a rate comparison can take time and effort if you don’t know the fastest way to get free quotes. You can spend countless hours talking about coverages with insurance companies in your area, or you could use the internet to get rates in a matter of minutes.

All the larger companies belong to an insurance system that allows shoppers to enter their coverage request one time, and each company returns a competitive quote based on that data. This eliminates the need for quote requests to each company.

To use this form to compare 1992 Ford Escort insurance rates click to open in new window.

The one disadvantage to getting quotes like this is you are unable to specify which providers you want to price. So if you prefer to pick individual companies to request quotes from, we have assembled a list of insurance coverage companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but be sure to compare identical coverages and limits on every quote. If you enter unequal deductibles or liability limits it’s impossible to determine which rate is truly the best. Quoting even small variations in limits can result in a big premium difference. Just keep in mind that getting more free quotes helps locate a lower rate.

Discounts are available to cut your rates

Companies that sell car insurance don’t always publicize every discount in a way that’s easy to find, so we took the time to find both the well known as well as the least known savings tricks you should be using.

  • Passive Restraints – Cars that have air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • E-sign – A handful of insurance companies will give a small break simply for signing digitally online.
  • Student in College – Any of your kids who live away from home and do not have a car can be insured at a reduced rate.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
  • Senior Discount – Older drivers can possibly qualify for better auto insurance rates for Escort coverage.
  • Federal Employees – Employees or retirees of the government may qualify you for a discount for Escort coverage with a few auto insurance companies.

It’s important to note that most of the big mark downs will not be given to the entire cost. The majority will only reduce the cost of specific coverages such as comp or med pay. So when it seems like you can get free auto insurance, companies wouldn’t make money that way.

Car insurance companies that may offer these money-saving discounts may include but are not limited to:

Check with each insurance company how you can save money. All car insurance discounts may not apply in your area.

Everyone needs different coverages

When choosing coverage for your vehicles, there is no single plan that fits everyone. Everyone’s needs are different so your insurance needs to address that. These are some specific questions may help highlight if your situation could use an agent’s help.

  • When would I need rental car insurance?
  • Is a new car covered when I drive it off the dealer lot?
  • What is no-fault insurance?
  • Will my insurance pay for OEM parts?
  • Do I get a pro-rated refund if I cancel my policy early?
  • I have good health insurance, so how much medical payments coverage do I need?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Car insurance 101

Learning about specific coverages of your insurance policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Listed below are the usual coverages offered by insurance companies.

Insurance for medical payments

Med pay and PIP coverage provide coverage for bills like nursing services, funeral costs and surgery. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. They cover you and your occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Ford Escort.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from getting keyed, hitting a bird, theft, rock chips in glass and hitting a deer. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as colliding with another moving vehicle, scraping a guard rail, hitting a parking meter, crashing into a ditch and driving through your garage door. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Liability

Liability insurance provides protection from injuries or damage you cause to other people or property in an accident. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability can pay for claims such as pain and suffering, loss of income, court costs, medical services and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.