Cheapest 2002 Ford Escort Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 2, 2023

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Looking for lower car insurance rates for your Ford Escort? Finding low-cost insurance for your Ford Escort can turn out to be difficult, but you can follow the following methods to find lower rates. There is a right way and a wrong way to buy car insurance and we’ll show you the proper way to compare rates on a Ford and find the best price possible.

Fast and Easy Car Insurance Quotes

Performing a rate comparison can be challenging if you aren’t aware of the easiest way. You could waste time discussing policy coverages with insurance companies in your area, or you can utilize online quotes to achieve your goal.

Most of the best insurance companies participate in an industry program where insurance shoppers enter their coverage request one time, and each participating company can provide price quotes determined by their information. This prevents consumers from doing quote forms to every company.

To participate in this free quote system, click here to start a free quote.

The single downside to getting quotes like this is that consumers can’t choose which companies to get pricing from. So if you want to select from a list of companies to request quotes from, we put together a list of companies who write car insurance in your area. Click here to view list.

Whichever method you choose, ensure you’re using apples-to-apples quote information with every price quote. If you enter higher or lower deductibles it’s impossible to decipher which rate is best.

Save $478 a year? Really?

Consumers can’t ignore all the ads that promise big savings from the likes of State Farm, Allstate and GEICO. All the companies make the same claim of big savings after switching your coverage to them.

How do they all make the same claim?

Insurance companies have a preferred profile for the type of customer they prefer to insure. For example, a preferred risk could be over the age of 50, has no prior claims, and has a high credit rating. A driver who fits that profile will get very good rates and most likely will save when they switch companies.

Drivers who don’t qualify for the “perfect” profile must pay more money which leads to the driver buying from a lower-cost company. The ads say “customers who switch” not “everyone that quotes” save money. That’s the way insurance companies can make the claims of big savings. This illustrates why you need to get as many quotes as possible. It is impossible to predict which company will have the lowest Ford Escort insurance rates.

Why you might be paying too much to insure your Ford Escort

It’s important that you understand the rating factors that go into determining the price you pay for auto insurance. Understanding what influences your rates allows you to make educated decisions that could result in big savings.

  • Consolidate policies to earn discounts – The majority of companies will give a discount to policyholders who have multiple policies with them in the form of a multi-policy discount. If you currently are using one company, it’s still a good idea to comparison shop to verify if the discount is saving money.
  • Equipment add-ons that lower auto insurance rates – Choosing a vehicle with a theft deterrent system can get you a discount on your auto insurance. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart your car from being stolen.
  • Pleasure use or commuting – The more miles you rack up on your Ford in a year’s time the higher your rate. Almost all companies charge to insure your cars determined by how the vehicle is used. Cars and trucks used primarily for pleasure use get more affordable rates as compared to vehicles used primarily for driving to work. Double check that your auto insurance policy shows how each vehicle is driven. If your policy improperly rates your Escort may be costing you.
  • Do you have a high stress job? – Did you know your job can affect your rates? Careers like doctors, business owners and accountants tend to pay higher rates than average attributed to high stress and long work days. On the flip side, jobs such as farmers, athletes and homemakers have the lowest average rates on Escort coverage.

Get lower rates on 2002 Ford Escort insurance

Companies do not list all their discounts very clearly, so here is a list some of the best known as well as the least known ways to save on insurance coverage. If you’re not getting every credit you qualify for, you are paying more than you should be.

  • Homeowners Pay Less – Simply owning a home may earn you a small savings because of the fact that having a home shows financial diligence.
  • Discount for Switching Early – Some insurance companies reward drivers for buying a policy prior to your current policy expiring. The savings is around 10%.
  • Low Mileage – Low mileage vehicles can earn discounted rates on garaged vehicles.
  • Discount for Life Insurance – Select insurance companies reward you with lower rates if you buy life insurance from them.
  • Drivers Education – Require your teen driver to complete a driver education course in high school.
  • Auto/Home Discount – When you have multiple policies with the same insurance company you could get a discount of 10% to 20% off each policy.
  • Federal Government Employee – Being employed by or retired from a federal job could cut as much as 10% off on Escort coverage with select insurance companies.
  • Anti-theft System – Anti-theft and alarm systems help deter theft and therefore earn up to a 10% discount.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts can get savings up to 30%.
  • Discount for New Cars – Insuring a new car can cost up to 25% less since new cars are generally safer.

Keep in mind that most discounts do not apply to the overall cost of the policy. Some only reduce individual premiums such as physical damage coverage or medical payments. So even though it sounds like adding up those discounts means a free policy, insurance coverage companies aren’t that generous.

Companies that possibly offer these discounts are:

  • State Farm
  • Liberty Mutual
  • American Family
  • Progressive
  • Farmers Insurance
  • Auto-Owners Insurance

Before buying, ask each company which discounts you may be entitled to. All car insurance discounts might not apply in your area.

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Tailor your coverage to you

When choosing proper insurance coverage, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help you determine whether your personal situation might need an agent’s assistance.

  • Do I have coverage for damage caused while driving under the influence?
  • Am I covered if hit by an uninsured driver?
  • Are my friends covered when driving my car?
  • Will my insurance pay for OEM parts?
  • How can I get my company to pay me more for my totalled car?
  • Do I have newly-acquired coverage?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and can help protect your family.

Specific coverage details

Understanding the coverages of auto insurance can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Comprehensive protection

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like theft, damage from a tornado or hurricane, hitting a bird, vandalism and fire damage. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto liability insurance

This can cover damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things such as attorney fees, medical expenses, repair costs for stationary objects, legal defense fees and loss of income. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for chiropractic care, doctor visits, hospital visits, funeral costs and X-ray expenses. They are utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

This coverage pays to fix your vehicle from damage 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 such as rolling your car, driving through your garage door, colliding with a tree and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Make a quick buck

We just showed you a lot of ways to compare 2002 Ford Escort insurance prices online. The key thing to remember is the more providers you compare, the better likelihood of reducing your rate. Drivers may discover the best prices are with a small mutual company.

Drivers switch companies for a variety of reasons including questionable increases in premium, an unsatisfactory settlement offer, policy cancellation or even delays in paying claims. Whatever your reason, switching car insurance companies can be less work than you think.

As you go through the steps to switch your coverage, never skimp on critical coverages to save a buck or two. There have been many situations where consumers will sacrifice liability coverage limits only to find out they didn’t purchase enough coverage. Your goal should be to find the BEST coverage at a price you can afford, not the least amount of coverage.

For more information, feel free to browse these articles:

Use our FREE quote tool to compare rates now!

Frequently Asked Questions

How can I find cheap auto insurance rates for my 2002 Ford Escort?

To find the best rates for your 2002 Ford Escort, you can follow these methods:

  • Utilize online quotes: Use online quote comparison tools to quickly compare rates from different insurance companies. This saves you time compared to contacting each company individually.
  • Participate in industry programs: Some insurance companies participate in programs where you can enter your coverage request once, and multiple companies will provide price quotes based on that information.
  • Consider a list of companies: If you prefer to choose from a specific list of companies, you can find a compiled list of insurance companies that write car insurance in your area.

Do the claims of saving money by switching insurance companies hold true?

Insurance companies often advertise big savings for customers who switch to their company. However, these savings are typically based on a preferred customer profile, which includes factors like age, claims history, and credit rating. If you fit this profile, you are more likely to get better rates and save money by switching. However, it is important to get quotes from multiple companies because the lowest rates may vary depending on individual circumstances.

What factors can contribute to paying too much for insurance on a Ford Escort?

Several factors can affect the price you pay for auto insurance, including:

  • Age and driving experience: Younger drivers or those with limited driving experience may face higher premiums.
  • Driving record: A history of accidents, tickets, or other violations can result in higher insurance rates.
  • Location: Insurance rates can vary based on your location due to factors like population density, crime rates, and the likelihood of accidents.
  • Vehicle model: The make and model of your car, such as the 2002 Ford Escort, can impact insurance rates. Factors like safety features, repair costs, and theft rates can influence premiums.
  • Coverage options: The coverage options and limits you choose will affect your insurance rates. Higher coverage levels or additional features will typically increase premiums.

What are some discounts that can help lower insurance rates for a Ford Escort?

Insurance companies may offer various discounts to help lower your insurance rates. Some common discounts include:

  • Safe driver discount: If you have a clean driving record with no accidents or violations, you may qualify for a safe driver discount.
  • Good student discount: Students with good grades can often get a discount on their insurance premiums.
  • Multi-policy discount: If you have multiple insurance policies with the same company, such as auto and home insurance, you may be eligible for a multi-policy discount.
  • Anti-theft device discount: Installing anti-theft devices in your Ford Escort can help lower the risk of theft and may result in a discount.
  • Defensive driving course discount: Completing a defensive driving course can demonstrate your commitment to safe driving and potentially earn you a discount.

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