Guide to Insuring your Ford Escort for Less
If shopping your car insurance around was fun, we'd do it much more often. But the premiums we pay always seem to be too high and most of use would rather get a tooth pulled. You probably feel the same way about finding lower cost coverage for your Ford Escort.
Step One: Insurance Rate Comparison Quotes
In years past, the only way to purchase car insurance was to visit the office of a local agent. Thanks to the internet, insurance shopping is a whole lot easier!
Comparing apples-to-apples price quotes for your Ford Escort is made easy by only requiring one form to be completed. This will shop your coverage with multiple companies and allow you to easily compare rates.
Take the first step by clicking the link below. By answering a few questions you'll be able to compare rates quickly and easily.
Quoting Tip! The only way to compare rates from multiple companies is to use identical coverage amounts and deductibles on each quote. If you use different limits on quotes, you cannot accurately determine which company has the best rates for your Escort.
Step Two: Tried and True Ways to Save on Escort Insurance
There are many contributing factors that determine what you pay to insure your Ford. You can help yourself (and your wallet) by paying attention to the following rate factors.
- If you carry full coverage on your vehicle, you can slash your rates by increasing your comprehensive and collision deductibles. You'll pay more out-of-pocket but you will save with every renewal.
- If you're not sure what your credit rating is, check it now. Car insurance companies use your credit score to determine the rates you pay, so the better your credit, the less you will pay.
- Car insurance rates for a teen driver on a Ford Escort will be expensive no matter what kind of coverage you have. But if you don't need comprehensive and collision, consider dropping those to save money.
- Driver's safety courses will often get you a discount off your rates. Check to see if your company offers the discount and find a qualifying class in your area.
- Minor driving violations such as speeding tickets can cause your rates to go up. Too many violations in a short period of time will cause your policy to be non-renewed.
- It's very important that you allows keep coverage effective on your vehicles. Having even a one-day lapse in coverage can make your premiums jump higher.
- Safety features such as antilock brakes, traction control and air bag systems all help reduce the cost of car insurance by keeping the passengers safer.
- Bundling your auto and home insurance with the same company can often get you a discount, and just being a homeowner in itself will get you a lower rate.
- A claim-free discount can help keep your rates down, so don't file claims that are only marginally more than your deductible. You're better off keeping the discount.
- If you belong to a professional organization for your employment, you may qualify for a discount rate. And if you're a senior citizen, you may get a discount for your age as well.
- Particular years and models of cars tend to be frequently stolen, and if your Escort is on that list, chances are your insurance company knows it and will ding you a little extra because of it.
Step Three: Select the Best Company for Your Needs
Knowing which company to insure your Escort with is more than just choosing the lowest rate. You also need to be ready to put a down payment on your policy and make sure you have all the proper coverages in place.
It's easiest to cancel an old policy at the renewal date, but you can cancel it anytime. Just make sure you have the new policy effective the date you cancel your old policy in order to avoid any lapse in coverage.
If you already have a car insurance policy, then your Ford Escort will be covered as soon as your purchase it. If this is your first vehicle, you will want to make sure you have coverage in place as soon as your purchase it. If you have a current policy and you only carry liability coverage, then that's the only coverage that will automatically extend to your Escort. But if you currently carry full coverage, comprehensive and collision coverage will extend to your new vehicle.
Once you finish buying your new policy, you will need to print out the proof-of-insurance card that is provided by your new company. This card is proof that you meet the state's minimum liability limits and is required to be kept in your vehicle. If your state requires you to file an SR-22 for being a high-risk driver, make sure your new company is aware of this requirement. Failure to comply can result in loss of your driver's license.
More Insurance Buying Tips
To read more about topics such as how to file a claim, replacement auto parts and mistakes to avoid, visit the Insurance Information Institute website.
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