1998 Ford Escort Insurance Rates

Want lower insurance coverage rates for your Ford Escort? Have you fallen victim to high-priced insurance coverage? Believe me when I say there are many people just like you. Multiple insurers compete for your hard-earned dollar, and it can be difficult to compare rates and get the definite lowest rate

It’s a good idea to compare rates before your policy renews because prices change frequently. Just because you had the best price for Escort insurance on your last policy the chances are good that you can find a lower rate today. So block out anything you think you know about insurance coverage because we’re going to show you how to use the internet to find lower rates on insurance coverage.

If you have a current insurance policy or need a new policy, you can use this information to find better prices while maximizing coverage. Finding affordable coverage is quite easy. Consumers just need to know the proper way to compare price quotes on the web.

How to reduce Ford Escort insurance rates

Companies that sell car insurance don’t always publicize every discount very well, so we researched some of the more common and the harder-to-find discounts you could be receiving. If you don’t get every credit you deserve, you’re paying more than you need to.

  • Payment Method – If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
  • Accident Free – Good drivers with no accidents pay much less when compared to drivers who are more careless.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.
  • Life Insurance – Select insurance companies reward you with lower rates if you buy auto and life insurance together.
  • Early Signing – Select companies give a discount for switching to them before your current policy expires. This can save 10% or more.

Drivers should understand that most credits do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like adding up those discounts means a free policy, insurance companies aren’t that generous.

For a list of insurance companies offering insurance discounts, click here.

Finding Insurance Deals

All major insurance companies such as Geico, State Farm and Progressive allow you to get pricing on their websites. This process is pretty easy as you simply type in your personal and coverage information as detailed in the form. Once entered, the system obtains your driving record and credit report and returns pricing information determined by many factors. Online quotes makes it a lot easier to compare rates but the time it takes to visit multiple sites and fill out multiple forms can be a bit tiresome and repetitive. But it’s very important to have as many quotes as possible in order to get better insurance pricing.

The preferred way to locate the lowest prices is to use a quote form to return rates from several companies at one time. The form is fast, requires less work, and makes online price comparison much more efficient. As soon as the form is sent, it is rated with multiple companies and you can pick any or none of the returned quotes. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase the new policy. The whole process only takes a few minutes and you will know how your current rates stack up.

In order to fill out one form to compare multiple rates now, simply click here to open in new window and complete the simple form. If you currently have coverage, we recommend you input the limits and deductibles identical to your current policy. Doing this assures you will have comparison quotes based on similar coverages.

Elements that influence Ford Escort insurance rates

An important part of buying insurance is that you know the rating factors that go into determining the rates you pay for car insurance. Having a good understanding of what impacts premium levels helps enable you to make changes that will entitle you to better car insurance rates.

Listed below are a few of the “ingredients” that factor into prices.

  • Sex matters – The statistics show that women are safer drivers than men. However, don’t assume that men are WORSE drivers than women. Men and women are in accidents at a similar rate, but the men cause more damage and cost insurance companies more money. Men also statistically get cited for more serious violations like reckless driving and DUI.
  • Allowing your policy to lapse raises rates – Driving without insurance is against the law and you will pay a penalty because you let your insurance expire. And not only will insurance be more expensive, but being ticketed for driving with no insurance might get you a license revocation or jail time.You may then be required to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Where you reside plays a part – Choosing to live in a small town can save you money when insuring your vehicles. Fewer drivers means a lower chance of having an accident and a lower car theft rate. Drivers in populated areas regularly have traffic congestion and much longer commute distances. Higher commute times can result in more accidents.
  • Liability coverage is peace of mind – Your policy’s liability coverage is the protection in the event that a jury decides you are liable for causing damage or personal injury in an accident. It will provide legal defense which can be incredibly expensive. Liability is cheap as compared to coverage for physical damage, so drivers should carry high limits.
  • Clean credit earns discounts – Credit score is a big factor in calculating your car insurance rates. If your credit rating is lower than you’d like, you could pay less to insure your 1998 Ford Escort by improving your credit score. People with good credit tend to be more responsible than drivers with poor credit.
  • Don’t get talked into coverage you don’t need – There are a lot of extra coverages you can purchase on your Escort policy. Coverages like personal injury protection, better glass coverage and motor club memberships are examples of these. These coverages may sound good when you first buy your policy, but if you don’t need them get rid of them and save.
  • Safer cars are cheaper to insure – Cars with high safety ratings can get you lower premiums. Safer cars result in less severe injuries and fewer injuries translates into fewer and smaller insurance claims and lower rates for you. If your Ford Escort earned at least four stars on Safercar.gov you may qualify for a discount.
  • Where do you drive? – The more miles you rack up on your Ford every year the higher your rate. Most companies rate vehicles based on how the vehicle is used. Cars that are left in the garage get more affordable rates as compared to vehicles used primarily for driving to work. Verify your car insurance policy is showing how each vehicle is driven. If your policy improperly rates your Escort can cost quite a bit.

Tailor your coverage to you

When it comes to buying coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that might help in determining whether you would benefit from an agent’s advice.

  • If I drive on a suspended license am I covered?
  • Do I need added coverage for expensive stereo equipment?
  • Do I need motorclub coverage?
  • Should I bundle my homeowners policy with my auto?
  • Is a new car covered when I drive it off the dealer lot?
  • Is my 1998 Ford Escort covered for flood damage?
  • Do I get a pro-rated refund if I cancel my policy early?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

Do drivers who switch really save?

Consumers can’t ignore all the ads for the lowest price auto insurance from the likes of Geico, State Farm and Progressive. They all make an identical promise of big savings if you switch your coverage to them.

How do they all make almost identical claims?

Insurance companies can use profiling for the type of customer that makes them money. For instance, a desirable insured might be profiled as a mature driver, a clean driving record, and drives newer vehicles. A driver who meets those qualifications will get the preferred rates and most likely will save when switching.

Consumers who don’t meet the requirements will be quoted higher prices which leads to the customer not buying. The ads say “drivers who switch” not “everyone that quotes” save that kind of money. That is how companies can truthfully advertise the way they do. This emphasizes why it is so important to get quotes from several different companies. It’s not possible to predict the company that will provide you with the cheapest Ford Escort insurance rates.

Auto insurance coverage considerations

Learning about specific coverages of your policy can help you determine the right coverages and proper limits and deductibles. Auto insurance terms can be difficult to understand and reading a policy is terribly boring. Below you’ll find the usual coverages found on most auto insurance policies.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Ford Escort.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Auto liability insurance

Liability coverage will cover damage that occurs to other’s property or people. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like court costs, emergency aid and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like doctor visits, pain medications, nursing services, funeral costs and ambulance fees. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive coverage

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hitting a deer, vandalism and fire damage. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision protection

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like rolling your car, sideswiping another vehicle, backing into a parked car, crashing into a building and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Smart consumers save more

In this article, we covered some good ideas how you can lower your 1998 Ford Escort insurance rates. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. You may even find the most savings is with some of the lesser-known companies. These smaller insurers can often provide lower rates in certain areas compared to the large companies like Progressive or Geico.

As you restructure your insurance plan, do not sacrifice coverage to reduce premiums. There are too many instances where drivers have reduced liability limits or collision coverage and learned later that the savings was not a smart move. The aim is to purchase a proper amount of coverage at an affordable rate.

Additional insurance coverage information can be read on the following sites: