Lower Your 2009 Ford Escape Car Insurance Quotes

Searching for better car insurance rates? Consumers have lots of choices when looking for affordable Ford Escape insurance. They can either spend hours calling around to get rate comparisons or save time using the internet to make rate comparisons.

There is a better way to compare car insurance rates so you’re going to learn the proper way to get price quotes for a new or used Ford and locate the lowest price from local insurance agents and online providers.

You need to do rate comparisons once or twice a year since insurance rates tend to go up over time. Even if you think you had the lowest price on Escape insurance last year there is a good chance you can find better rates now. Ignore everything you know about car insurance because I’m going to let you in on the secrets to the only way to eliminate unnecessary coverages and save money.

If you are insured now or are shopping for new coverage, you can learn to find better prices while maximizing coverage. This information will help educate you on the most effective way to quote insurance and some tricks to saving. Drivers just need to understand the proper methods to get comparison quotes on the web.

Lower rates by qualifying for discounts

Insurance can be prohibitively expensive, but discounts can save money and there are some available to help offset the cost. Certain discounts will be applied at quote time, but lesser-known reductions have to be specially asked for before you get the savings. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • Lower Rates for Military – Having a family member in the military may qualify for rate reductions.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.
  • No Claims – Good drivers with no accidents pay less compared to drivers who are more careless.
  • Defensive Driving Course – Completing a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Resident Student – Any of your kids who are attending college and don’t have a car may qualify for this discount.
  • Driver’s Ed – Cut your cost by having your teen driver enroll in driver’s education if it’s offered in school.

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. Most only reduce individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears you could get a free insurance policy, companies wouldn’t make money that way. But any discount will reduce your overall premium however.

Insurance companies that may offer these discounts may include but are not limited to:

Check with every prospective company which discounts they offer. Savings might not apply everywhere.

How to Compare Insurance Costs

All the larger insurance companies like Allstate, Geico and Progressive quote coverage prices on their websites. Getting online rates is quite simple as you simply enter your coverage preferences into the quote form. After you submit the form their rating system will order your driving and credit reports and quotes a price determined by many factors.

Online quotes helps simplify price comparisons, but the time required to go to multiple sites and fill out multiple forms gets old quite quickly. But it’s very important to get many rate quotes if you are searching for better insurance pricing.

The quickest way to compare insurance pricing uses one form to obtain quotes from many companies. The form is fast, eliminates repetitive work, and makes online price comparison much more enjoyable. After sending your information, it is quoted and you can select your choice of the pricing results.

If you find a better price it’s easy to complete the application and purchase coverage. It takes just a few minutes to complete and you will know how your current rates stack up.

To find out if lower rates are available, click here to open in new window and begin entering your coverage information. If you currently have coverage, we recommend you duplicate the limits and deductibles as close as possible to your current policy. Doing this assures you will get comparison quotes based on similar coverages.

Ford Escape insurance rates consist of many parts

Smart consumers have a good feel for the different types of things that play a part in calculating insurance rates. Knowing what controls the rates you pay enables informed choices that could result in much lower annual insurance costs.

Shown below are some of the factors insurance companies consider when setting premiums.

  • One company can mean more discounts – Many insurance companies will give a discount to people who have multiple policies with them such as combining an auto and homeowners policy. Discounts can add up to ten or even up to twenty percent in some cases. Even though this discount sounds good, you may still want to compare rates to verify if the discount is saving money.
  • Occupation reflects on rates – Occupations like judges, architects and stock brokers tend to pay the highest rates due to high stress and long work hours. On the other hand, professions such as actors, students and retirees have the lowest average rates on Escape insurance.
  • Pleasure use or commuting – The more miles you rack up on your Ford in a year’s time the higher your rates will be. Most insurance companies price each vehicle’s coverage based on their usage. Cars not used for work or commuting receive lower rates compared to those used for work or business. Having the wrong rating on your Escape can result in significantly higher rates. Ask your agent if your insurance policy is rated on how each vehicle is driven, because improper ratings can cost you money.
  • Where you live can impact rates – Residing in a rural area is a positive aspect when talking about insurance. Drivers in populated areas tend to have more traffic problems and a longer drive to work. Less people living in that area means fewer accidents and a lower car theft rate.
  • High deductibles save money – The deductibles represent how much money you are willing to pay out-of-pocket in the event of a claim. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some instances where coverage would apply could be colliding with a building, damage from fire, and burglary. The more expense you are required to pay out-of-pocket, the bigger discount you will receive on Escape insurance.

Car insurance is unique, just like you

When it comes to choosing the best insurance coverage coverage for your vehicles, there really is no cookie cutter policy. Everyone’s situation is a little different.

These are some specific questions could help you determine if your situation will benefit from professional help.

  • Am I covered if my car is in a flood?
  • Why do I need rental car insurance?
  • Can I afford low physical damage deductibles?
  • Do I need added coverage for expensive stereo equipment?
  • Do I have coverage when making deliveries for my home business?
  • Will my rates increase for filing one claim?
  • Does my policy pay for OEM or aftermarket parts?
  • Should I waive the damage coverage when renting a car?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can help protect your family.

Insurance policy specifics

Having a good grasp of insurance aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hitting a deer, a broken windshield, falling objects and damage from flooding. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability coverages

This can cover damages or injuries you inflict on people or other property. It protects YOU against claims from other people, and 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. Your policy might show liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as legal defense fees, funeral expenses and court costs. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Ford Escape.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision coverage protection

Collision insurance will pay to fix damage to your Escape from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as backing into a parked car, rolling your car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as EMT expenses, dental work, nursing services and hospital visits. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Quote more. Save more.

Cost effective 2009 Ford Escape insurance is definitely available from both online companies as well as from independent agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some car insurance companies don’t offer online price quotes and these small, regional companies work with independent agents.

As you shop your coverage around, it’s a bad idea to sacrifice coverage to reduce premiums. In many instances, an insured cut full coverage only to regret that they should have had better coverage. The proper strategy is to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

Throughout this article, we presented a lot of information how to compare insurance prices online. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest priced car insurance comes from the smaller companies.

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