Lower Your 2017 Ford Escape Insurance Rates

Want better insurance rates for your Ford Escape? Scraping up a payment for overpriced Ford Escape insurance can take a big chunk out of your savings account and make it hard to pay other bills. Comparing price quotes is free and is an excellent way to cut your insurance bill.

There are many insurance companies to buy insurance from, and although it’s a good thing to have a choice, so many choices can make it hard to get the best deal.

Quick Insurance Coverage Quotes

There are a lot of ways to compare insurance coverage prices but some are more efficient than others. You can waste hours talking to insurance companies in your area, or you can stay home and use the internet for quick rates.

Most of the larger companies participate in an industry program where insurance shoppers submit one quote, and every company then gives them pricing for coverage. This eliminates the need for form submissions for every insurance coverage company. To submit your quote information now, click here to start a free quote.

The only downside to using this type of system is that consumers can’t choose which companies you want to price. So if you prefer to pick from a list of companies for rate comparison, we have a page of low cost insurance coverage companies in your area. Click to view list.

Which method you use is up to you, but make absolute certain that you use exactly the same coverage limits and deductibles on every quote you get. If you compare differing limits it’s impossible to find the best deal for your Ford Escape. Quoting even small variations in limits could mean much higher rates. And when quoting insurance coverage, remember that obtaining a wide range of quotes gives you a better chance of getting the best rates.

Discounts on Ford Escape insurance

Insurance can be prohibitively expensive, but there could be available discounts to help offset the cost. Some discounts apply automatically when you get a quote, but a few must be requested specifically before being credited.

  • 55 and Retired – If you qualify as a senior citizen, you may receive a small decrease in premiums for Escape insurance.
  • Organization Discounts – Participating in a professional or civic organization could qualify you for a break on auto insurance for Escape insurance.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Escape insurance than their less cautious counterparts.
  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% for Escape insurance with a few auto insurance companies.
  • Discount for Swiching Early – Some companies give discounts for switching to them before your current policy expires. The savings is around 10%.
  • Drive Less and Save – Low mileage vehicles can earn lower rates on the low mileage vehicles.
  • Drivers Education – Require your teen driver to take driver’s ed class in high school.
  • Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts can qualify for discounts up to 30%.
  • Discount for Good Grades – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.

Drivers should understand that most credits do not apply the the whole policy. Most cut individual premiums such as collision or personal injury protection. So even though they make it sound like it’s possible to get free car insurance, it just doesn’t work that way. But all discounts will bring down the cost of coverage.

Car insurance companies that possibly offer these money-saving discounts include:

It’s a good idea to ask each company how you can save money. Discounts may not be available in your state.

Tailor your coverage to you

When buying adequate coverage, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions could help you determine whether you could use an agent’s help.

  • What is PIP insurance?
  • Does my 2017 Ford Escape qualify for pleasure use?
  • Should I waive the damage coverage when renting a car?
  • When should I buy a commercial auto policy?
  • Am I covered if I hit a deer?
  • How many claims can I have before being cancelled?
  • Is extra glass coverage worth it?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area.

Insurance coverages 101

Understanding the coverages of insurance can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. Shown next are the normal coverages available from insurance companies.

UM/UIM Coverage – This provides protection from other drivers when they 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 many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these limits are set the same as your liablity limits.

Comprehensive or 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 and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like hail damage, damage from flooding, theft and damage from getting keyed. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision – This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as hitting a parking meter, sustaining damage from a pot hole, backing into a parked car, scraping a guard rail and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Auto liability insurance – Liability coverage will cover damage or injury you incur to people or other property. It protects YOU against other people’s claims. Liability doesn’t 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 policy limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Some companies may use one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like loss of income, repair bills for other people’s vehicles, attorney fees and bail bonds. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like doctor visits, chiropractic care and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants in addition to being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Cheaper insurance is a realistic goal

We just showed you a lot of techniques to reduce 2017 Ford Escape insurance prices online. The key thing to remember is the more times you quote, the better likelihood of reducing your rate. You may be surprised to find that the lowest priced auto insurance comes from a small mutual company. Regional companies may only write in your state and offer lower rates as compared to the big name companies such as Allstate, GEICO and Progressive.

Cheap insurance can be bought from both online companies and also from your neighborhood agents, and you need to price shop both so you have a total pricing picture. Some insurance providers may not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.

More tips and info about auto insurance can be found in these articles: