Finding cheaper insurance for your Ford Escort can turn out to be difficult, but you can learn the following methods to find lower rates.
There are both good and bad ways to find car insurance online and we’ll show you the absolute fastest way to quote coverages on a Ford and find the best price possible either online or from local insurance agents.
Compare Quotes for Car Insurance
Shopping for lower car insurance rates can be challenging if you don’t know the easiest way. You can spend countless hours driving to agents in your area, or you could use the internet to get prices fast.
Many companies participate in a marketplace that allows shoppers to complete one form, and each company returns a rated price based on that information. This saves time by eliminating quotation requests to each individual car insurance company.
To get comparison pricing now click to open in new window.
The one downside to pricing coverage this way is that consumers can’t choose which insurance companies to get quotes from. So if you want to select individual companies to compare rates, we have assembled a list of companies who write car insurance in your area. Click here to view list.
Which method you use is up to you, but make absolute certain that you use apples-to-apples quote information for every quote you compare. If you use differing limits it’s impossible to find the best deal for your Ford Escort. Just a small difference in limits can mean a large discrepancy in price. Keep in mind that quoting more helps locate lower pricing.
Save big with these discounts
Insuring your fleet can be pricey, but discounts can save money and there are some available that you may not know about. Some trigger automatically when you complete an application, but lesser-known reductions have to be specially asked for in order for you to get them.
- Paperless Signup – Certain companies will give a small break for buying a policy and signing up on their website.
- Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
- Good Student – This discount can save 20 to 25%. The good student discount can last until age 25.
- Drive Less and Save – Driving fewer miles can earn lower rates on the low mileage vehicles.
- One Accident Forgiven – A few companies allow you one accident before your rates go up if your claims history is clear for a certain period of time.
- Safe Driver Discount – Safe drivers may save up to 50% more on Escort insurance than less cautious drivers.
- Student Driver Training – Require your teen driver to complete a driver education course in high school.
- College Student – Children who attend school more than 100 miles from home and don’t have a car can receive lower rates.
- Early Switch Discount – Select companies give a discount for switching policies before your current policy expires. It’s a savings of about 10%.
- Homeowners Savings – Simply owning a home may earn you a small savings because owning a home requires personal responsibility.
Keep in mind that most discounts do not apply to your bottom line cost. Most cut the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates you would end up receiving a 100% discount, you’re out of luck. But any discount will reduce your overall premium however.
For a list of companies with discount car insurance rates, click here.
What about my local agents?
Certain consumers just want to visit with an insurance agent and there is nothing wrong with that. One of the best bonuses of comparing rates online is you may find the lowest rates but still work with a licensed agent. Buying from local agencies is especially important in smaller communities.
To make it easy to find an agent, after completing this short form, the coverage information is sent to companies who will battle for your coverage. There is no need to drive around since price quotes are sent directly to your email. How’s that for easy! You’ll get the best rates and an insurance agent to talk to.
If you wish to contact a specific insurance agent in your state, visit this site.
Choosing a company needs to be determined by more than just the bottom line cost. Agents should be asked these questions:
- Which members of your family are coverage by the policy?
- If your car is in the repair shop, do you have coverage for a rental car?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Are there any discounts that you might be missing?
- Does the agency support the community they serve?
Upon receiving acceptable answers to these questions as well as a affordable price, most likely you have located an insurer that meets your needs to service your policy.
In Summary
Budget-conscious Ford Escort insurance can be found online as well as from independent agents in your state, so you should compare both to have the best rate selection. There are still a few companies who don’t offer the ability to get a quote online and these regional insurance providers work with independent agents.
As you restructure your insurance plan, never skimp on coverage in order to save money. There are many occasions where an accident victim reduced full coverage only to find out that they should have had better coverage. Your goal should be to find the BEST coverage for the lowest price, not the least amount of coverage.
We just showed you quite a bit of information on how to reduce Ford Escort insurance prices online. It’s most important to understand that the more providers you compare, the higher your chance of finding lower rates. Consumers could even find that the biggest savings come from a small local company.
