Lower Your 2004 Ford Escape Insurance Quotes

Consumers have options when looking for the best price on Ford Escape insurance. You can either waste hours contacting agents to get rate comparisons or leverage the internet to get rate quotes. There is a right way and a wrong way to compare auto insurance rates so you’re going to learn the quickest way to compare rates for a Ford and get the cheapest rates.

Quick Car Insurance Quotes

All the larger car insurance companies like 21st Century, Allstate and State Farm provide prices online. Getting online rates is pretty painless as you just enter your personal and coverage information as requested by the quote form. After the form is submitted, their rating system pulls your driving record and credit report and returns pricing information based on many factors.

Quoting online streamlines rate comparisons, but the time required to go to different websites and fill out multiple forms is monotonous and tiresome. But it’s very important to have as many quotes as possible in order to get better car insurance pricing.

A more efficient way to get multiple rate quotes makes use of a single form that gets prices from several companies at one time. The form is fast, reduces the work, and makes online price comparison a lot less work. Immediately after you send the form, your coverage is rated and you can choose any of the pricing results. If a lower price is quoted, you simply finish the application and purchase the new policy. This process takes 15 minutes at the most and can result in significant savings.

To get comparison pricing now, click here to open in a new tab and begin entering your coverage information. If you have a policy now, it’s recommended you enter the coverage information as close as possible to your current policy. This makes sure you will receive a fair comparison based on identical coverages.

Cut prices on 2004 Ford Escape insurance

Companies do not list every available discount very clearly, so we took the time to find both well-publicized as well as the least known auto insurance savings. If you’re not getting every credit possible, you’re just leaving money on the table.

  • Payment Discounts – If paying your policy premium upfront instead of paying each month you could save 5% or more.
  • Own a Home – Owning a house may trigger a auto insurance policy discount because maintaining a house is proof that your finances are in order.
  • Braking Control Discount – Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
  • Early Switch Discount – Select companies give a discount for switching to them prior to your current policy expiration. It’s a savings of about 10%.
  • Federal Employees – Employees or retirees of the government may qualify you for a discount for Escape insurance with certain companies.
  • Save with a New Car – Insuring a new car can cost up to 25% less since new cars are generally safer.

It’s important to understand that most of the big mark downs will not be given the the whole policy. Some only apply to individual premiums such as comprehensive or collision. So when the math indicates you would end up receiving a 100% discount, companies wouldn’t make money that way.

Car insurance companies that may have these discounts are:

Double check with each company which discounts you may be entitled to. All car insurance discounts might not apply everywhere.

Tailor your coverage to you

When choosing the best auto insurance coverage, there is no “perfect” insurance plan. Each situation is unique.

Here are some questions about coverages that may help highlight if your situation would benefit from professional advice.

  • What is no-fault insurance?
  • Do I have coverage when pulling a U-Haul trailer?
  • What is PIP insurance?
  • Where can I get insurance after a DUI in my state?
  • Are split liability limits better than a combined single limit?
  • Do I need medical payments coverage since I have good health insurance?
  • Am I missing any policy discounts?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and can provide invaluable advice.

Car insurance policy specifics

Having a good grasp of a car insurance policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for ambulance fees, EMT expenses, dental work, prosthetic devices and hospital visits. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto liability – Liability insurance provides protection from damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU from claims by 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 commonly see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against things such as pain and suffering, legal defense fees, loss of income, attorney fees and court costs. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Comprehensive (Other than Collision) – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like vandalism, hitting a bird, damage from flooding and a broken windshield. The maximum payout your car insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverages – This coverage pays for damage to your Escape from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as scraping a guard rail, crashing into a building, rolling your car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.