Compare 2003 Ford Escape Insurance Rates

Finding better rates for insurance coverage can seem to be difficult for consumers not familiar with comparison shopping online. There are so many options that it can easily become a real challenge to locate the lowest price.

It’s a good habit to take a look at other company’s rates occasionally because rates change frequently. Just because you had the best price for Escape insurance two years ago you may be paying too much now. Ignore everything you know about insurance coverage because we’re going to demonstrate the tricks you need to know to reduce your cost while improving coverage.

If you currently have car insurance, you should be able to cut costs considerably using this information. This information will help educate you on the best way to quote coverages and some tips to save money. But car owners do need to learn the methods companies use to market insurance on the web and use this information to your advantage.

Low Cost Auto Insurance

There are several ways you can shop for Ford Escape auto insurance and some are easier and takes less work. You can spend your afternoon talking about coverages with local insurance agents in your area, or you can utilize the web to get pricing more quickly.

Many popular insurance companies are enrolled in a marketplace that allows shoppers to submit one quote, and at least one company provides a quote. This saves time by eliminating form submissions to every company. To compare 2003 Ford Escape rates now click to open in new window.

One minor caviat to getting quotes like this is that you can’t choose the insurers to receive prices from. If you prefer to choose from a list of companies to compare, we have a listing of auto insurance companies in your area. Click to view list.

It’s up to you which method you use, but make absolute certain that you use the exact same coverages with every price quote. If the quotes have different limits and deductibles on each one it will be impossible to determine the best price for your Ford Escape. Quoting even small variations in coverages could mean much higher rates. And when quoting auto insurance, remember that comparing a large number of companies provides better odds of finding a better price.

Are you getting all your discounts?

Auto insurance companies don’t necessarily list all available discounts in a way that’s easy to find, so we break down some of the more common and the harder-to-find insurance savings.

  • Drivers Education – Cut your cost by having your teen driver enroll in driver’s education in school.
  • Pay Now and Pay Less – By paying your policy upfront instead of paying each month you could save 5% or more.
  • Clubs and Organizations – Belonging to a professional or civic organization is a good way to get lower rates when buying insurance for Escape insurance.
  • 55 and Retired – If you’re over the age of 55, you may be able to get a discount up to 10% for Escape insurance.
  • Discount for Good Grades – Getting good grades can be rewarded with saving of up to 25%. This discount can apply up to age 25.
  • Paperwork-free – A few companies give back up to $50 for buying a policy and signing up online.
  • Auto/Life Discount – Companies who offer life insurance give a break if you buy life insurance.
  • Federal Government Employee – Active or retired federal employment may qualify you for a discount for Escape insurance with select insurance companies.
  • Bundle and Save – When you combine your home and auto insurance with the same insurance company you may earn approximately 10% to 15%.
  • Defensive Driving Course – Taking part in a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. Most cut individual premiums such as medical payments or collision. So even though it sounds like all the discounts add up to a free policy, it just doesn’t work that way.

A partial list of companies who might offer these money-saving discounts include:

It’s a good idea to ask every prospective company which discounts you may be entitled to. Discounts might not be offered in your state.

When might I need an agent?

When it comes to choosing the right insurance coverage, there isn’t really a best way to insure your cars. Each situation is unique.

Here are some questions about coverages that might point out whether or not you could use an agent’s help.

  • When should I not file a claim?
  • Can I afford to buy a different vehicle if my 2003 Ford Escape is totaled?
  • Is my custom paint covered by insurance?
  • When can my company non-renew my policy?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Is business equipment covered while in my vehicle?
  • At what point should I drop full coverage?
  • Where can I get insurance after a DUI in my state?
  • How do I file an SR-22 for a DUI in my state?
  • Should I rate my 2003 Ford Escape as pleasure use or commute?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form.

Car insurance 101

Having a good grasp of a insurance policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive coverage – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like rock chips in glass, vandalism, damage from flooding, hitting a deer and hitting a bird. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for immediate expenses such as prosthetic devices, EMT expenses, funeral costs and pain medications. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Collision coverages – This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like colliding with a tree, sustaining damage from a pot hole, damaging your car on a curb, scraping a guard rail and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Liability insurance – Liability coverage can cover injuries or damage you cause to other’s property or people in an accident. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims such as loss of income, emergency aid, legal defense fees, repair costs for stationary objects and bail bonds. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Ford Escape.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Smart shoppers get results

You just read a lot of information how to shop for 2003 Ford Escape insurance online. It’s most important to understand that the more quotes you get, the better your comparison will be. Drivers may discover the best prices are with an unexpected company.

People leave their current company for a variety of reasons including delays in responding to claim requests, denial of a claim, policy cancellation and even policy non-renewal. Whatever your reason, finding a new insurance company is pretty easy and you might even save some money in the process.

As you prepare to switch companies, it’s very important that you do not skimp on critical coverages to save a buck or two. In too many instances, an insured cut uninsured motorist or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your focus should be to purchase a proper amount of coverage at the best price while still protecting your assets.

To learn more, link through to the resources below: