Ford Escort Insurance Rates

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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: May 31, 2023

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You have lots of choices when finding cheaper insurance coverage on your Ford Escort. You can buy from a local agent or get quotes online to compare insurance costs of many different car insurance companies. Shopping for car insurance through online rate quotes saves time, is easy to do and at the same time you might just save a little.

Comparing car insurance rates direct online is challenging if you are a beginner to online quotes. But relax because comparing prices is actually very simple. Finding cheaper coverage prices can be surprisingly simple. All you need to do is take the time to get quotes online from several insurance companies. This is very easy and can be done by getting a quick quote here.

What factors determine your insurance rates?

Auto insurance rates paid to insure a Ford Escort can vary widely and are calculated by many factors. Taken into consideration are:

  • High performance increases premiums
  • Any accidents you may have
  • Whether you insure your home with the same company
  • How you use your vehicle
  • Young drivers cost more
  • Being married may save money
  • Special coverage such as replacement cost
  • Claims drive up premiums
  • Having continuous coverage saves you money
  • Whether you rent or own your home

A final factor that will help determine Ford Escort insurance cost is the model year. Models that are new have a higher replacement value in comparison to later models so the costs to repair can inflate annual premiums. Although more recent Escort vehicles may have a trim level with safety features included like lane departure warning system, autonomous braking, pedestrian detection, and blind-spot warning system which can help offset higher rates.

Auto liability

This will cover damages or injuries you inflict on a person or their property by causing an accident. Liability coverage pays for things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so consider buying higher limits if possible.

Collision protection

Collision coverage will pay to fix damage to your Escort from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper Ford Escort insurance cost.

Comprehensive auto coverage

This covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by your Ford Escort comprehensive insurance. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.

Uninsured or underinsured coverage

This provides protection from other motorists when they are uninsured or don't have enough coverage. Due to the fact that many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. PIP coverage is only offered in select states and may carry a deductible.

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