Buy Ford Escort Insurance for Less Than You’re Paying Now

Locating cheaper insurance for a Ford Escort can turn out to be a painful process, but you can learn a few tricks to save time. There are both good and bad ways to buy car insurance so you’re going to learn the proper way to quote coverages for a new or used Ford and obtain the lowest price either online or from local insurance agents.

You need to quote other rates quite often because car insurance prices are usually higher with each renewal. Even if you got the best rates on Escort insurance six months ago there is a good chance you can find better rate quotes now. You’ll find a ton of advice on car insurance online but I’m going to show you some good information on how to find cheap car insurance.

Verify you’re receiving every discount

Some insurance providers don’t necessarily list all their discounts very well, so we researched a few of the more well known as well as the least known credits available to bring down your rates.

• Military Discounts – Being on active duty in the military could trigger a small discount.
• Paper-free Discount – A handful of car insurance companies will discount your bill up to fifty bucks for buying a policy and signing up online.
• Cautious Drivers – Drivers who don’t get into accidents can pay as much as 50% less on Escort insurance than drivers with accident claims.
• Homeowners Discount – Just being a homeowner can save you money because maintaining a house is proof that your finances are in order.
• Anti-theft Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your .

A little disclaimer on discounts, most of the big mark downs will not be given the the whole policy. Some only reduce individual premiums such as physical damage coverage or medical payments. So when it seems like you can get free auto insurance, you aren’t that lucky.

Companies and some of their more popular discounts can be found below.

• Farm Bureau has discounts for multi-vehicle, renewal discount, driver training, safe driver, and youthful driver.
• Liberty Mutual may offer discounts for teen driver discount, new graduate, multi-car, good student, and preferred payment discount.
• State Farm includes discounts for student away at school, driver’s education, Steer Clear safe driver discount, Drive Safe & Save, safe vehicle, anti-theft, and multiple autos.
• Auto-Owners Insurance has savings for mature driver, paid in full, multi-policy, company car, and student away at school.
• GEICO discounts include defensive driver, military active duty, federal employee, multi-policy, and five-year accident-free.
• SAFECO may include discounts for anti-lock brakes, homeowner, teen safe driver, accident prevention training, drive less, teen safety rewards, and anti-theft.

If you need lower rates, check with each company or agent how you can save money. Some of the earlier mentioned discounts may not be offered in every state.

Why Smart Buyers Pay Less for Ford Escort Insurance

Lots of things are taken into consideration when you get your auto insurance bill. Some factors are common sense such as your driving history, but others are less apparent like your vehicle usage or your commute time. It’s important that you understand some of the factors that help determine car insurance rates. If you have some idea of what controls the rates you pay, this empowers consumers to make smart changes that will entitle you to big savings.

The following are some of the things that factor into premiums.

• Raising deductibles saves money – Protection for physical damage, also called comprehensive and collision insurance, helps pay for damage to your vehicle. Some examples of claims that would be covered are running into the backend of another car, damage caused by hail, and having your car stolen. The deductibles you choose are the amount of money you are willing to pay if you file a covered claim. The more damage repair cost you have to pay, the less your company will charge you for insurance on Escort insurance.
• Cheaper prices using alarms and GPS tracking – Buying a car that has an advanced theft prevention system can earn a premium discount. Theft deterrent systems like GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent vehicle theft.
• Marriage discount – Being married may cut your premiums on your car insurance policy. Marriage may mean you are more stable financially it has been statistically shown that being married results in fewer claims.
• Younger drivers cost more – Young drivers have been known to be less responsible behind the wheel so they pay higher car insurance rates. Adding a inexperienced driver to your policy can increase premiums substantially. Older drivers are more responsible, statistically cause fewer accidents , and are generally more financially stable.
• Know your vehicle’s NHTSA crash test rating – Vehicles with good safety scores get lower rates. These vehicles reduce the chance of injuries and fewer injuries means lower claim amounts which can mean better rates for you.
• Only buy what you need – Insurance policies have a lot of extra bells and whistles that can waste your money on your car insurance policy. Insurance for things like personal injury protection, better glass coverage, and motor club memberships are some examples. They may sound like good ideas when you first buy your policy, but if they’re wasting money get rid of them and save.
• Small frequent insurance claims are not good – Companies provide discounts to insureds who do not rely on their insurance for small claims. If you file claims often, you can pretty much guarantee either a policy non-renewal or much higher rates. Your car insurance is intended for more catestrophic claims.
• Where you live can modify rates – Being located in a rural area can save you money when shopping for auto insurance. People in densly populated areas have to deal with much more traffic and more severe claims. Fewer drivers means less chance of accidents and a lower car theft rate.

When should I discuss my situation with an agent?

When it comes to choosing adequate coverage, there isn’t really a “best” method to buy coverage. Every insured’s situation is different.

Here are some questions about coverages that can help discover whether your personal situation would benefit from an agent’s advice.

• Do I have coverage when pulling a U-Haul trailer?
• Are split liability limits better than a combined single limit?
• Can my teen driver be rated on a liability-only vehicle?
• Does my liability insurance cover pulling a trailer or camper?
• Is my Ford Escort covered for flood damage?
• What if I total my Ford Escort and owe more than it’s worth?
• Do I have any recourse if my insurance company denies a claim?
• Are rental cars covered under my policy?
• I don’t drive much so do I pay less?
• Are my tools covered if they get stolen from my vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Is there deception in advertising?

Consumers constantly see and hear ads for the lowest price car insurance from the likes of State Farm and Allstate. All the companies have a common claim that drivers will save a bundle if you just switch your coverage to them.

How do they all save you money? It’s all in the words they use.

Insurance companies give the best rates for the right customer that will add to their bottom line. A good example of a desirable insured might be over the age of 35, has no tickets, and drives a car with an anti-theft system. A customer who fits those characteristics receive the lowest rate quotes and have a good chance to save money with a new company.

People who fall short of these criteria will be quoted higher prices and the customer buying from someone else. Company advertisements say “drivers that switch” not “all people who quote” can save as much as they claim. That’s the way insurance companies can confidently claim big savings. This illustrates why you absolutely need to compare price quotes frequently. Because you cannot predict which company will fit your personal profile best.

A little work can save a LOT of money

People leave their current company for a variety of reasons including unfair underwriting practices, an unsatisfactory settlement offer, high rates after DUI convictions or even delays in responding to claim requests. No matter why you want to switch, switching companies is not as hard as you think.

We just showed you a lot of tips how to shop for Ford Escort insurance online. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. Consumers could even find that the biggest savings come from a company that doesn’t do a lot of advertising.

As you go through the steps to switch your coverage, it’s very important that you do not sacrifice coverage to reduce premiums. There are a lot of situations where an insured dropped liability coverage limits only to regret at claim time they didn’t have enough coverage. Your goal should be to buy enough coverage for the lowest cost.