How Much Does 1999 Ford Escort Car Insurance Cost?

Looking for better auto insurance rates for your Ford Escort? Overpriced Ford Escort insurance can overdraw your savings account and force you to make sacrifices. Comparison shopping is free, only takes a few minutes, and is a good way to tighten up your finances.

Drivers have multiple car insurance companies to choose from, and even though it’s nice to have multiple companies, so many choices can make it hard to locate the cheapest rates.

It’s a good idea to check auto insurance prices periodically since insurance rates tend to go up over time. Just because you found the best rates on Escort insurance on your last policy a different company probably has better rates today. Forget all the misinformation about auto insurance because you’re about to find out the proper way to find the best coverage while lowering your premiums.

This information will teach you the most effective way to quote insurance and some money-saving tips. If you have car insurance now, you will most likely be able to lower your premiums substantially using these tips. Although vehicle owners need to have an understanding of how the larger insurance companies compete online and apply this information to your search.

Which Insurance is Cheapest?

There are several ways you can shop for Ford Escort insurance but there is one way that is easier and takes less work. You can waste hours discussing policy coverages with insurance companies in your area, or you could save time and use online quotes to get rate comparisons in just a few minutes.

Many companies take part in a program where insurance shoppers complete one form, and each company provides a quote based on the submitted data. This eliminates the need for quote requests to each company.

To compare 1999 Ford Escort rates using this form now click here to start a free quote.

The one disadvantage to doing it this way is you are unable to specify which providers you want to price. So if you prefer to pick from a list of companies to compare, we put together a list of low cost insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but be sure to compare exactly the same coverage information with every price quote. If you have different values for each quote it’s not possible to make an equal comparison. Quoting even small variations in coverage limits can mean a large discrepancy in price. It’s important to know that getting more free quotes will improve the odds of getting the best rates.

How to reduce 1999 Ford Escort insurance rates

Insurance can cost an arm and a leg, but there are discounts available to help offset the cost. Some trigger automatically when you get a quote, but less common discounts must be specially asked for before you will receive the discount.

  • Use Seat Belts – Requiring all passengers to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Safe Driver Discount – Drivers who don’t get into accidents may save up to 50% more on Escort insurance than drivers with accident claims.
  • Claim Free – Drivers who don’t have accidents can earn big discounts when compared with frequent claim filers.
  • Accident Forgiveness – Some insurance companies will forgive one accident before your rates go up as long as you don’t have any claims for a set time period.
  • E-sign – Certain companies may give you up to $50 just for signing your application online.
  • Good Student Discount – Performing well in school can save 20 to 25%. The discount lasts until age 25.
  • Pay Now and Pay Less – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
  • Student in College – Kids in college living away from home attending college and do not have a car may qualify for this discount.
  • Multi-car Discount – Having more than one vehicle with the same company could earn a price break for each car.

Consumers should know that most discounts do not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like you can get free auto insurance, auto insurance companies aren’t that generous. But all discounts will reduce your premiums.

To see a list of companies who offer auto insurance discounts, follow this link.

These factors can influence what you pay for Ford Escort insurance

An important part of buying insurance is that you know the factors that help determine the price you pay for insurance. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that can help you get big savings.

The following are a few of the “ingredients” used by your company to calculate your rates.

  • Add-on coverages can add up – There are quite a few extra bells and whistles that can waste your money when buying insurance. Coverages for rental car reimbursement, accident forgiveness and additional equipment coverage are some examples. These coverages may sound good when talking to your agent, but now you might not need them so eliminate them to save money.
  • Where you reside plays a part – Living in a rural area can save you money when buying insurance. Lower population means reduced accidents as well as less vandalism and auto theft. Urban drivers tend to have traffic congestion and much longer commute distances. Longer commute distances translates into higher accident risk.
  • Credit scores impact insurance rates – A driver’s credit rating is a huge factor in determining your rates. Consumers who have high credit scores tend to be less risk to insure as compared to drivers with lower ratings. If your credit rating can use some improvement, you could potentially save money when insuring your 1999 Ford Escort by spending a little time repairing your credit.
  • Low deductibles can be expensive – Deductibles for physical damage represent how much money you are willing to pay out-of-pocket if you file a covered claim. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some examples of claims that would be covered are colliding with a building, damage from fire, and rolling your vehicle. The more the insured has to pay upfront, the bigger discount you will receive on Escort insurance.
  • Special features that cut premiums – Driving a car with an alarm system can get you a discount on your insurance. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder your vehicle from being stolen.
  • Keep rates low by being claim-free – If you file claims often, you can pretty much guarantee higher rates. Auto insurance companies give better rates to people who file claims infrequently. Insurance coverage is meant to be used in the event of the large, substantial claims.
  • Don’t let your coverage lapse – Allowing your insurance policy to lapse is a sure-fire way to bump up your insurance costs. Not only will you pay more, but being ticketed for driving with no insurance will get you a hefty fine and possibly a revoked license.
  • Traffic violations increase rates – A bad driving record has a lot to do with how much you pay for insurance. Even one citation can boost insurance rates by as much as thirty percent. Careful drivers have lower premiums than people who have multiple driving citations. If you have severe violations like reckless driving, hit and run or driving under the influence may find they need to file a SR-22 with their state DMV in order to drive a vehicle legally.

Tailor your coverage to you

When it comes to buying the right insurance coverage, there really is no “best” method to buy coverage. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out if your situation might need professional guidance.

  • Can I afford low physical damage deductibles?
  • Am I covered when driving someone else’s vehicle?
  • Am I better off with higher deductibles on my 1999 Ford Escort?
  • Should I buy additional glass protection?
  • Can I afford to buy a different vehicle if my 1999 Ford Escort is totaled?
  • Who is covered by my policy?

If you’re not sure about those questions, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area.

Can you really save that much by switching?

Auto insurance companies such as 21st Century, Allstate and State Farm regularly use ads on TV and radio. They all seem to have a common claim that you can save if you move your coverage to them. How do they all claim to save you money?

Insurance companies have a preferred profile for the type of driver they prefer to insure. A good example of a driver they prefer might be profiled as a mature driver, is a homeowner, and has great credit. A customer getting a price quote that hits that “sweet spot” will qualify for the lowest rates and most likely will pay quite a bit less when switching companies.

Consumers who don’t meet this ideal profile will be charged higher premiums and this can result in the driver buying from a lower-cost company. Company advertisements say “customers who switch” but not “drivers who get quotes” save that much money. That is how companies can truthfully make the claims of big savings.

That is why it’s extremely important to compare as many rates as you can. It’s impossible to know which auto insurance company will have the lowest Ford Escort insurance rates.

Coverages available on your car insurance policy

Having a good grasp of your policy aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverage types offered by car insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Ford Escort.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as ambulance fees, hospital visits, nursing services and funeral costs. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like damaging your car on a curb, colliding with a tree, hitting a mailbox, backing into a parked car and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Comprehensive insurance

This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like theft, damage from getting keyed and hitting a deer. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability coverage

Liability insurance will cover damage that occurs to people or other property in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Another option is one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like funeral expenses, legal defense fees, court costs, structural damage and loss of income. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Shop smart and save

As you restructure your insurance plan, it’s a bad idea to reduce coverage to reduce premium. There are a lot of situations where someone sacrificed full coverage only to discover later that it was a big mistake. The proper strategy is to find the BEST coverage for the lowest price, not the least amount of coverage.

Cheap 1999 Ford Escort insurance can be bought on the web in addition to many insurance agents, so you should compare both to have the best selection. Some insurance providers do not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.

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