Cheap 2006 Ford Escape Hybrid Insurance Quotes

Searching for lower insurance coverage rates for your Ford Escape Hybrid? Did you fall for a flashy sales pitch and buy high-priced insurance coverage? Trust us when we tell you there are lots of people in the same boat. Big companies like State Farm, Geico and Farmers Insurance all promote huge savings with TV and radio ads and it is challenging if not impossible to ignore the flashy ads and take the time to shop coverage around.

If you have a policy now or need a new policy, you will benefit by learning to cut your premiums and possibly find even better coverage. Buying car insurance is easy if you know what you’re doing. Drivers just need to learn the best way to find the lowest price over the internet.

Ford Escape Hybrid insurance rates have many determining factors

An important part of buying insurance is that you know some of the elements that help determine the rates you pay for insurance coverage. Having a good understanding of what determines base rates allows you to make educated decisions that may reward you with big savings.

  • Men pay higher rates – Statistics show that women are safer drivers than men. That doesn’t necessarily mean that men are worse drivers. Women and men cause accidents in similar percentages, but the males cause more damage. They also get cited for more serious violations such as reckless driving. Young males are the most expensive to insure and thus pay the highest rates.
  • Traffic violations increase rates – Careful drivers tend to pay less for car insurance compared to drivers with tickets. Just one moving violation can boost insurance rates by as much as thirty percent. If you have flagrant violations such as reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 form to the state department of motor vehicles in order to keep their license.
  • Policy add-ons can waste money – There are quite a few add-on coverages that you can buy on your Escape Hybrid policy. Coverages like vanishing deductibles, towing coverage and additional equipment coverage may be costing you every month. These coverages may sound good at first, but now you might not need them so get rid of them and save.
  • Credit scores impact insurance coverage rates – Credit score is a big factor in determining your rates. Therefore, if your credit rating is lower than you’d like, you could be paying less to insure your 2006 Ford Escape Hybrid by improving your rating. Drivers who have good credit tend to be better drivers and file fewer claims than drivers who have poor credit.
  • With age comes lower rates – More mature drivers are viewed as being more responsible, statistically cause fewer accidents and receive fewer citations. Teen drivers are statistically proven to be less responsible when driving therefore insurance coverage rates are much higher.

Fast and Easy Insurance Coverage Quotes

Finding lower insurance coverage rates is not a difficult process. The only requirement is to take a few minutes comparing rates provided by online insurance companies. This can be done using a couple different methods.

  • The single most time-saving way consumers can analyze rates is a comparison rater form click here to open form in new window. This form prevents you from having to do repetitive form entry to each individual insurance coverage company. One simple form will return quotes instantly.
  • A slightly less efficient method to analyze rates requires visiting each company’s website to request a price quote. For sake of this example, we’ll pretend you want rates from USAA, Allstate and State Farm. To find out each rate you need to go to every website to input your insurance information, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

However you get your quotes, compare exactly the same coverage limits with each company. If you compare different liability limits it will be impossible to decipher which rate is best.

Discounts are basically free money

Insurance can cost an arm and a leg, but there are discounts available that you may not even be aware of. Certain discounts will be triggered automatically when you get a quote, but some may not be applied and must be asked for in order for you to get them. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • Good Students Pay Less – This discount can get you a discount of up to 25%. The discount lasts up until you turn 25.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Military Rewards – Having a deployed family member can result in better rates.
  • Homeowners Savings – Simply owning a home may trigger a insurance policy discount because of the fact that having a home shows financial diligence.
  • Low Mileage Discounts – Keeping the miles down on your Ford can qualify you for better rates on cars that stay parked.
  • Student in College – Kids in college who are attending college without a vehicle on campus may be able to be covered for less.
  • Club Memberships – Affiliation with a qualifying organization could trigger savings when buying insurance on Escape Hybrid coverage.
  • Auto/Life Discount – Select insurance companies reward you with a break if you buy auto and life insurance together.
  • Auto/Home Discount – When you have multiple policies with one insurance company you may earn approximately 10% to 15%.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like you could get a free insurance policy, companies don’t profit that way. But all discounts will cut your premiums.

For a list of providers offering insurance discounts, click this link.

Which insurance is the “right” coverage?

When choosing the best insurance coverage, there really is not a best way to insure your cars. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover whether you might need professional guidance.

  • Should I rate my 2006 Ford Escape Hybrid as pleasure use or commute?
  • How do I insure my teen driver?
  • Do I need special endorsements for business use of my vehicle?
  • Should I buy only the required minimum liability coverage?
  • Where can I find DUI or SR-22 insurance?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Why is insurance for a teen driver so high?
  • Do I benefit by insuring my home with the same company?
  • What is an SR-22 filing?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Information about specific coverages

Having a good grasp of a auto insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Shown next are typical coverage types found on most auto insurance policies.

Comprehensive auto insurance – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as damage from a tornado or hurricane, hitting a deer, fire damage, rock chips in glass and damage from getting keyed. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision – This covers damage to your Escape Hybrid resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like damaging your car on a curb, backing into a parked car and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Auto liability – Liability insurance will cover damages or injuries you inflict on a person or their property by causing an accident. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Some companies may use one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as structural damage, medical services, loss of income and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like nursing services, funeral costs and rehabilitation expenses. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Buy online or local, you save

We just showed you some good ideas how you can shop for 2006 Ford Escape Hybrid insurance online. The most important thing to understand is the more companies you get rates for, the more likely it is that you will get a better rate. Consumers may even find the best prices are with a lesser-known regional company. Some small companies can often provide lower rates in certain areas as compared to the big name companies such as State Farm or Progressive.

As you shop your coverage around, you should never skimp on critical coverages to save a buck or two. There are many occasions where an insured dropped uninsured motorist or liability limits and found out when filing a claim that it was a big error on their part. Your goal should be to find the BEST coverage for the lowest price while still protecting your assets.

To learn more, feel free to browse the resources below: