2002 Ford Escort Insurance Rates – 9 Tricks for Cheaper Quotes

Wish you could get a refund on an expensive insurance coverage policy? Don’t sweat it because there are a lot of people just like you who feel imprisoned by their insurance coverage policy. Due to the abundance of options, it can be hard to pick the cheapest insurance coverage provider.

Buying car insurance is quite easy. If you currently have car insurance, you should be able to save some money using this strategy. Drivers just need to know the most effective way to compare price quotes on the web.

Where can I get the cheapest car insurance?

Most of the larger companies provide prices online. Getting online rates is very simple as you just enter your personal and coverage information as detailed in the form. After you submit the form the company’s rating system gets information on your driving record and credit history and returns pricing information based on the information you submitted. Online price quotes makes it simple to compare prices but the process of having to visit each company’s website and repetitively fill out multiple forms can get tiresome after awhile. But it’s very important to do this if you want to find the best price on car insurance.

The preferred way to get multiple rate quotes requires only one form to obtain quotes from more than one company. This type of form saves time, eliminates repetitive work, and makes quoting online much more enjoyable and efficient. As soon as you send your information, it is quoted and you can select any one of the price quotes you receive. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase the new policy. This process only takes a few minutes and can result in significant savings.

To compare rates using this form now, click here and enter your information. If you currently have coverage, we recommend that you enter the insurance coverages identical to your current policy. This guarantees you will get rate comparison quotes for similar coverage.

When in doubt talk to an agent

When it comes to buying proper insurance coverage for your vehicles, there really is no cookie cutter policy. Every insured’s situation is different and your policy should reflect that. These are some specific questions might help in determining if your insurance needs will benefit from professional help.

• Where can I find DUI or SR-22 insurance?
• When can my company non-renew my policy?
• Is there coverage for injuries to my pets?
• When would I need rental car insurance?
• What is covered by UM/UIM coverage?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Should I file a claim if it’s only slightly more than my deductible?
• Does insurance cover tools stolen from my truck?
• Why do I only qualify for high-risk insurance?
• How much liability do I need to cover my assets?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Insurance coverages 101

Understanding the coverages of insurance can help you determine which coverages you need for your vehicles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on most insurance policies.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as X-ray expenses, nursing services, funeral costs, dental work and chiropractic care. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Comprehensive coverages

This covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hitting a deer, hail damage, rock chips in glass, fire damage and damage from flooding. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Auto collision coverage

Collision insurance covers damage to your Escort resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as rolling your car, sustaining damage from a pot hole and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important.

Auto liability

Liability coverage protects you from damage or injury you incur to other people or property that is your fault. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 which means a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims such as medical expenses, attorney fees, repair bills for other people’s vehicles and loss of income. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.