Compare 2018 Ford Escape Car Insurance Quotes

Want the cheapest insurance rates for your Ford Escape? Comparison shopping for cheap insurance is very difficult for people not familiar with comparing prices online. With a ridiculous number of companies, it can turn into a challenge to find the perfect company for you.

It’s a great practice to do price comparisons once or twice a year because prices are rarely the same from one policy term to another. Just because you found the best rates for Escape insurance at your last renewal there is a good chance you can find better rate quotes now. You’ll find quite a bit of inaccurate information about insurance online but you can learn some great ideas on how to buy insurance cheaper.

Shopping for cheaper coverage is not that difficult. Just about every driver who is required by state law to have auto insurance will be able to save money. Although consumers must comprehend the way insurance companies market insurance on the web because it can help you find the best coverage.

How to buy auto insurance online

To find more affordable prices, there are a couple of ways to compare prices from many auto insurance companies in your state. The quickest method to lower the rate you pay for 2018 Ford Escape insurance involves getting comparison quotes online. This can be accomplished by using one of the methods below.

  • The fastest way to get the best comparison quotes would be an industry-wide quote request form click here to open form in new window. This method saves time by eliminating repetitive form entry to each individual auto insurance company. One quote request gets insurance cost estimates instantly. It’s definitely the quickest method.
  • A slightly less efficient method to compare prices is to take the time to go to the website for each individual company and repeat the quote process again and again. For sake of this example, let’s say you want comparison quotes from Liberty Mutual, Farmers and Progressive. To get each rate you have to go to each individual site to enter your coverage information, and that’s why the first method is more popular. For a list of companies in your area, click here.

You can choose any of those ways to find more affodable coverage, but ensure you’re using nearly identical quote information on every price quote you get. If you use differing limits it’s not possible to determine the best price for your Ford Escape. Just slight variations in insurance coverages could throw off the whole comparison. Just keep in mind that comparing all the rates in your area helps locate lower pricing.

Do you qualify for discount insurance?

Insurance is easily one of your largest bills, but you might already qualify for some discounts that many people don’t even know exist. Certain discounts will be applied at the time you complete a quote, but a few must be asked about prior to receiving the credit.

  • Professional Organizations – Affiliation with specific professional or occupational memberships or organizations is a simple method to lower premiums on your policy.
  • Early Payment Discounts – By paying your policy upfront rather than spreading payments over time you may reduce your total bill.
  • Safety Restraint Discount – Using a seat belt and requiring all passengers to buckle their seat belts could save 15% off the medical payments premium.
  • Passive Restraint Discount – Cars that have air bags or automatic seat belts could see savings of more than 20%.
  • Homeowners Discount – Owning your own home or condo may earn you a small savings since owning and maintaining a home requires a higher level of personal finance.

A quick disclaimer, most of the big mark downs will not be given the the whole policy. Some only reduce individual premiums such as medical payments or collision. So even though they make it sound like you could get a free insurance policy, it just doesn’t work that way.

Large insurance companies and some of the premium reductions they offer include:

  • State Farm may have discounts that include good driver, safe vehicle, multiple policy, accident-free, multiple autos, student away at school, and driver’s education.
  • Geico has savings for membership and employees, federal employee, anti-lock brakes, good student, anti-theft, and seat belt use.
  • Progressive offers discounts for online signing, multi-policy, homeowner, multi-vehicle, continuous coverage, online quote discount, and good student.
  • 21st Century discounts include homeowners, anti-lock brakes, automatic seat belts, air bags, and 55 and older.
  • American Family policyholders can earn discounts including early bird, good student, mySafetyValet, defensive driver, TimeAway discount, air bags, and bundled insurance.
  • The Hartford may offer discounts for anti-theft, driver training, vehicle fuel type, air bag, good student, and bundle.
  • AAA includes discounts for AAA membership discount, multi-car, good driver, anti-theft, good student, and pay-in-full.

When comparing rates, check with each company or agent which discounts you qualify for. Depending on the company, some discounts might not be available to policyholders in every state.

What insurance coverages do I need?

When buying adequate coverage, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can aid in determining whether you will benefit from professional help.

  • How does medical payments coverage work?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Should I buy full coverage?
  • Can I rent a car in Mexico?
  • Is upholstery damage covered by car insurance?
  • Are rock chip repairs covered?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form.

Educate yourself about insurance coverages

Learning about specific coverages of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Comprehensive auto coverage – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as a tree branch falling on your vehicle, a broken windshield and falling objects. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Frequently these coverages are identical to your policy’s liability coverage.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance kick in for bills such as X-ray expenses, ambulance fees, funeral costs and nursing services. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Liability – Liability insurance provides protection from damage or injury you incur to other people or property by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

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 limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage pays for claims like structural damage, medical services, emergency aid, pain and suffering and court costs. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

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

Collision insurance covers things such as hitting a parking meter, crashing into a ditch, crashing into a building, colliding with another moving vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.