Save on 2012 Ford Escape Insurance Rates

Looking for cheaper insurance coverage rates? Shoppers have many options when shopping for affordable Ford Escape insurance. You can either spend your time calling around to compare prices or utilize the internet to find the lowest rates.

There is a right way and a wrong way to shop for insurance coverage and we’ll show you the proper way to quote coverages for your Ford and obtain the lowest possible price.

You should take the time to take a look at other company’s rates once or twice a year since insurance rates are constantly changing. Even if you think you had the best price on Escape insurance last year you can probably find a lower rate today. Ignore everything you know about insurance coverage because we’re going to demonstrate the tricks you need to know to find better coverage at a better price.

If you are insured now or need a new policy, you can follow these tips to find better prices while maximizing coverage. The purpose of this post is to instruct you on how car insurance quotes work. Vehicle owners just need to learn the most effective way to shop their coverage around over the internet.

Do you qualify for a discount?

Insurance can be prohibitively expensive, but you can get discounts to help offset the cost. Some discounts apply automatically at the time of purchase, but some must be specifically requested before they will apply. If they aren’t giving you every credit possible, you are paying more than you should be.

  • 55 and Retired – Older drivers may be able to get better auto insurance rates on Escape insurance.
  • Military Discounts – Having a deployed family member could be rewarded with lower premiums.
  • Life Insurance – Some companies give a break if you buy life insurance from them.
  • Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
  • Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less on Escape insurance than drivers with accidents.
  • Drivers Education – Have your child enroll in driver’s education in school.

Keep in mind that some of the credits will not apply to the entire policy premium. Most only cut the price of certain insurance coverages like comprehensive or collision. Just because you may think all those discounts means the company will pay you, companies wouldn’t make money that way. But any discount will reduce your premiums.

Car insurance companies that may have these benefits include:

Double check with each insurance company what discounts are available to you. Discounts might not apply in every state.

The quickest method we recommend to compare car insurance company rates is to understand auto insurance companies participate in online systems to give you rate quotes. The only thing you need to do is spend a couple of minutes providing details including if it has an alarm system, if your license is active, if you went to college, and daily mileage. Your details is submitted instantly to all major companies and they return quotes quickly.

Elements that influence Ford Escape insurance rates

An important part of buying insurance is that you know some of the elements that help determine the price you pay for auto insurance. When you know what positively or negatively controls the rates you pay helps enable you to make changes that can help you get much lower annual insurance costs.

The following are a partial list of the pieces that factor into your rates.

  • Don’t let your coverage lapse – Allowing your auto insurance policy to lapse is a quick way to pay more for auto insurance. Not only will rates go up, getting caught without coverage might get you a revoked license or a big fine.You may have to file a SR-22 with your state department of motor vehicles.
  • Lower rates with optional equipment – Owning a car with a theft deterrent system can help lower your rates. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent auto theft.
  • Your spouse saves you money – Having a spouse actually saves money on your policy. Having a significant other translates into being more mature and it’s proven that being married results in fewer claims.
  • Higher deductibles cost less – Physical damage insurance, termed comprehensive and collision coverage on your policy, protects your Ford from damage. Some examples of claims that would be covered could be colliding with a building, collision with an animal, and burglary. Deductibles for physical damage are the amount of money you are willing to pay before a claim is paid by your company. The more expense the insured has to pay upfront, the less your company will charge you for insurance on Escape insurance.
  • Drive less and save money – The more miles you rack up on your Ford in a year’s time the higher your rate. Most insurance companies rate vehicles based on how the vehicle is used. Autos not used for work or commuting can get a lower rate than vehicles that are driven to work every day. Ask your agent if your auto insurance policy is rated on how each vehicle is driven, because it can save money. If your policy improperly rates your Escape may be wasting your money.
  • Little extras can really add up – There are quite a few additional coverages that you can buy when buying auto insurance. Coverages like rental car reimbursement, towing coverage and additional equipment coverage may be wasting your money. They may seem good when you first buy your policy, but now you might not need them so get rid of them and save.
  • Your credit rating is important – A driver’s credit score is a big factor in determining what you pay for auto insurance. People with high credit ratings tend to be more responsible as compared to drivers with lower credit scores. Therefore, if your credit rating is low, you could save money insuring your 2012 Ford Escape by spending a little time repairing your credit.
  • How your age affects price – Youthful drivers have a tendency to be careless and easily distracted behind the wheel so they pay higher auto insurance rates. Adding a teen driver onto your auto insurance can be quite pricey. Older drivers are more cautious drivers, file fewer claims and get fewer tickets.

What coverages do I need?

When choosing proper insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s needs are different.

For instance, these questions might help in determining if your insurance needs may require specific advice.

  • Do I need motorclub coverage?
  • Should I sign the liability waiver when renting a car?
  • Am I missing any policy discounts?
  • Do I have coverage when pulling a U-Haul trailer?
  • When does my teenage driver need to be added to my policy?
  • Do I need higher collision deductibles?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, complete this form. It is quick, free and you can get the answers you need.

Advertising myths

Consumers constantly see and hear ads for cheaper car insurance from companies such as 21st Century, Allstate and State Farm. They all make an identical promise that you’ll save big if you move your policy.

How can each company make the same claim?

Different companies have a certain “appetite” for the type of customer that makes them money. For example, a desirable insured could be a mature driver, is a homeowner, and chooses high deductibles. A driver that hits that “sweet spot” gets the lowest rates and therefore will pay quite a bit less when switching companies.

Potential insureds who do not match this ideal profile will be charged more money which usually ends up with the driver buying from a lower-cost company. Company advertisements say “customers that switch” not “people who quote” save that kind of money. That’s why companies can state the savings.

That is why it is so important to get a wide range of price quotes. It’s not possible to predict the company that will give you the biggest savings on Ford Escape insurance.

Specific coverage details

Understanding the coverages of your policy helps when choosing appropriate coverage and proper limits and deductibles. Insurance terms can be confusing and nobody wants to actually read their policy.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like funeral costs, surgery, dental work, hospital visits 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. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Liability car insurance

Liability coverage provides protection from damage or injury you incur to other people or property. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like loss of income, repair bills for other people’s vehicles and medical services. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage protection

This will pay to fix damage to your Escape resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like colliding with another moving vehicle, rolling your car, sustaining damage from a pot hole, colliding with a tree and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

Comprehensive coverages

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hitting a deer, theft, fire damage, damage from flooding and falling objects. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Never pay more for less

We covered a lot of techniques to reduce 2012 Ford Escape insurance prices online. The key concept to understand is the more companies you get rates for, the better likelihood of reducing your rate. You may even discover the most savings is with some of the smallest insurance companies.

People who switch companies do it for many reasons like policy non-renewal, lack of trust in their agent, delays in paying claims or even high prices. Whatever your reason, finding a new insurance company is less work than it seems.

Affordable insurance is attainable online as well as from independent agents, so you should compare both so you have a total pricing picture. There are still a few companies who don’t offer online price quotes and usually these smaller companies provide coverage only through local independent agents.

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