Compare 2002 Ford Escape Insurance Quotes

Searching for better car insurance rates for your Ford Escape? Locating better insurance prices for a new or used Ford Escape can turn out to be an all-consuming task, but you can learn our car insurance buying tips to make it easier. There are more efficient ways to find car insurance online so you’re going to learn the proper way to get price quotes for your Ford and locate the lowest price from both online companies and local agents.

Consumers need to get comparison quotes at least once a year since rates go up and down regularly. Just because you had the best deal for Escape insurance a year ago you can probably find a better price now. So just forget anything you know (or think you know) about car insurance because you’re about to learn the easiest way to lower your annual insurance bill.

How to Buy Car Insurance Online

Getting a cheaper price on 2002 Ford Escape insurance can be surprisingly simple. All you need to do is spend a few minutes to get quotes online from several insurance companies. This can be done in a couple of different ways.

  1. One of the best ways to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This type of form eliminates the need for boring form submissions for every car insurance company. A single form will return quotes from all major companies.It’s the quickest way to get rates.
  2. Another way to get comparison quotes consists of visiting the website of each company to complete their respective quote request forms. For examples sake, let’s say you want comparison quotes from Auto-Owners, Esurance and Geico. To get rate quotes you would need to spend time on each company’s site and enter your information, which is why most consumers use the first method.

    To view a list of companies in your area, click here.

Which method you use is up to you, but be sure to compare exactly the same deductibles and coverage limits with every price quote. If you compare different limits and deductibles on each one you can’t possibly determine the best price for your Ford Escape.

Drivers who switch save $490 a year? Really?

Drivers constantly see and hear ads for car insurance savings from companies such as Geico, State Farm and Progressive. They all seem to say the same thing that you’ll save big if you change your policy.

But how can every company say the same thing? It’s all in the numbers.

Insurance companies have a preferred profile for the driver that makes them money. For example, a preferred risk might be profiled as a mature driver, owns a home, and has excellent credit. Any driver who matches those parameters will get very good rates and most likely will save quite a bit of money when switching.

Consumers who don’t meet the “perfect” profile will have to pay more money which leads to business going elsewhere. The ad wording is “customers who switch” not “everybody who quotes” save money. That is how insurance companies can state the savings. Because of the profiling, you need to compare as many rates as you can. It’s impossible to know which company will have the lowest Ford Escape insurance rates.

Ford Escape premiums are determined by many factors

It’s important that you understand the rating factors that come into play when calculating your insurance coverage rates. Understanding what influences your rates allows you to make educated decisions that may reward you with big savings.

  • Battle of the sexes – The statistics show women tend to be less risk to insure than men. Now that doesn’t mean men are worse drivers. They both tend to get into accidents in similar numbers, but men tend to have more serious accidents. Men also get more serious tickets such as reckless driving.
  • High crash test scores lower rates – Vehicles with high crash test scores can get you lower premiums. Safe vehicles result in less severe injuries and better occupant protection means less money paid by your insurance company passed on to you as lower rates. If your Ford is rated at least four stars on or an “acceptable” rating on you are probably receiving a discount.
  • Never allow your policy to lapse – Allowing your coverage to lapse is a sure-fire way to pay more for insurance coverage. Not only will you pay more, failure to provide proof of insurance will get you a revoked license or a big fine.
  • Do you need the policy add-ons? – There are quite a few extra bells and whistles that can waste your money on your Escape policy. Things like personal injury protection, accident forgiveness and term life insurance may be wasting your money. They may seem like a good idea when talking to your agent, but if they’re wasting money remove them from your policy.
  • Better credit means lower rates – Having a bad credit score is a large factor in your rate calculation. Drivers who have high credit ratings tend to be better drivers and file fewer claims as compared to drivers with lower credit ratings. Therefore, if your credit is low, you could be paying less to insure your 2002 Ford Escape by improving your credit score.
  • Where you live is a factor – Being located in a rural area is a positive aspect when it comes to insurance coverage. City drivers tend to have more traffic problems and a longer drive to work. Less people living in that area means reduced accidents and a lower car theft rate.
  • Pay less after the wedding – Having a wife or husband actually saves money on your policy. Having a significant other usually means you are more mature than a single person it has been statistically shown that being married results in fewer claims.
  • Rates may be lower depending on your job – Occupations such as doctors, social workers and financial analysts tend to have higher average rates in part from job stress and long work hours. Conversely, occupations such as pilots, engineers and the unemployed receive lower rates for Escape insurance.

Best discounts on 2002 Ford Escape coverage

Companies don’t necessarily list all their discounts in an easy-to-find place, so we researched both well-publicized and the harder-to-find discounts you could be receiving. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • E-sign – A handful of insurance companies may give you up to $50 just for signing your application over the internet.
  • Student in College – Children who live away from home without a vehicle on campus can be insured at a reduced rate.
  • Life Insurance – Larger companies have better rates if you take out a life insurance policy as well.
  • Organization Discounts – Being a member of certain professional organizations could qualify you for a break on your policy for Escape insurance.
  • Multiple Cars – Insuring all your vehicles with the same company may reduce the rate for each vehicle.

As a disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like comp or med pay. So when the math indicates you can get free auto insurance, you’re out of luck.

For a list of insurers offering insurance discounts, click this link.

Tailor your coverage to you

When buying proper insurance coverage, there is no “best” method to buy coverage. Everyone’s needs are different.

For instance, these questions can help discover whether you may require specific advice.

  • What happens if I owe more than my 2002 Ford Escape is worth?
  • Do I need special endorsements for business use of my vehicle?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Should I buy additional glass protection?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is motorclub coverage worth it?
  • Does car insurance cover theft of personal property?
  • Do I have coverage for damage caused while driving under the influence?
  • Does medical payments coverage apply to all occupants?
  • Am I covered if hit by an uninsured driver?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

The coverage is in the details

Having a good grasp of your policy aids in choosing the right coverages for your vehicles. Insurance terms can be confusing and nobody wants to actually read their policy.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Ford Escape.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision coverage protection

Collision insurance pays for damage to your Escape caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as crashing into a ditch, rolling your car, colliding with a tree, crashing into a building and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

Liability car insurance

This coverage provides protection from injuries or damage you cause to other people or property. It protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims such as bail bonds, structural damage, pain and suffering and legal defense fees. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Insurance for medical payments

Med pay and PIP coverage provide coverage for short-term medical expenses for things like nursing services, EMT expenses, rehabilitation expenses and doctor visits. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from a tornado or hurricane, damage from flooding, damage from getting keyed and hitting a bird. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Don’t throw your cash in the trash

When trying to cut insurance costs, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many cases where drivers have reduced collision coverage only to regret at claim time that they should have had better coverage. The proper strategy is to find the BEST coverage at the best price while still protecting your assets.

Drivers who switch companies do it for a variety of reasons including an unsatisfactory settlement offer, lack of trust in their agent, high rates after DUI convictions or even extreme rates for teen drivers. It doesn’t matter why you want to switch finding a great new company is easier than you think.

We just showed you a lot of tips how to lower your 2002 Ford Escape insurance rates. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. You may be surprised to find that the lowest premiums are with a small mutual company.

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