How Much Does 2010 Ford Escape Insurance Cost?

Are you a victim of an overpriced auto insurance policy? Trust us, there are lots of people in the same boat.

Consumers have many auto insurance companies to choose from, and although it’s a good thing to have multiple companies, lots of choices makes it harder to find the lowest rates.

You need to do rate comparisons every six months because insurance rates change regularly. Just because you found the lowest rates for Escape insurance on your last policy you can probably find a lower rate today. You can find a lot of wrong information about auto insurance on the web, but by reading this article, you’re going to learn the best ways to find affordable auto insurance.

This article will tell you the best way to quote coverages and some tips to save money. If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these tips. But drivers can benefit from knowing the way insurance companies compete online and take advantage of how the system works.

Pieces of the Ford Escape insurance rate puzzle

Smart consumers have a good feel for some of the elements that come into play when calculating car insurance rates. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that will entitle you to better car insurance rates.

The list below includes a partial list of the pieces companies use to determine prices.

  • Older drivers save more – Teenage drivers tend to be less responsible in a vehicle so car insurance rates are higher. Mature drivers tend to be more responsible, tend to cause fewer accidents and receive fewer citations.
  • A lapse in coverage is a bad thing – Driving with no insurance is a misdemeanor and as a result your rates will increase for letting your coverage have a gap. Not only will rates go up, getting caught without coverage will get you a revoked license or a big fine.
  • Small claims can cost you – Insurance companies give lower rates to insureds who do not file claims often. If you frequently file small claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for the large, substantial claims.
  • Rate your vehicle for proper use – The more miles you rack up on your Ford every year the higher your rates will be. Most companies charge to insure your cars determined by how the vehicle is used. Cars not used for work or commuting can get a lower rate compared to those used for work or business. If your policy improperly rates your Escape can cost quite a bit. Ask your agent if your car insurance policy shows how each vehicle is driven, because it can save money.
  • Men fork out a little more – Statistics demonstrate women are more cautious behind the wheel. However, don’t assume that women are better drivers. Both sexes are in accidents in similar percentages, but men cause more damage and cost insurance companies more money. Men also get more serious tickets like reckless driving and DUI.
  • High crash test scores lower rates – Cars with high safety ratings tend to have better insurance rates. Safer cars result in less severe injuries and fewer injuries means lower claim amounts and more competitive rates for policyholders. If your Ford Escape scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Add-on coverages can add up – There are a lot of extra bells and whistles that you can buy if you aren’t careful. Coverages like vanishing deductibles, towing coverage and membership fees may be wasting your money. These may sound like a good investment initially, but your needs may have changed so get rid of them and save.
  • Adjust deductibles and save – The deductibles define the amount you are required to spend out-of-pocket if you file a covered claim. Coverage for physical damage, termed comprehensive and collision coverage on your policy, protects your car from damage. A few examples of covered claims would be running into the backend of another car, vandalism, or theft. The higher the amount you have to pay, the less your company will charge you for insurance for Escape insurance.

Discounts can save BIG

Properly insuring your vehicles can get expensive, but you may find discounts to reduce the price significantly. A few discounts will automatically apply when you get a quote, but a few need to be asked for prior to getting the savings.

  • Discount for Swiching Early – Some companies give discounts for buying a policy prior to your current policy expiration. The savings is around 10%.
  • Employee of Federal Government – Being employed by or retired from a federal job may qualify you for a discount for Escape insurance with certain companies.
  • Paperless Signup – A few companies may give you up to $50 just for signing your application digitally online.
  • Clubs and Organizations – Belonging to certain professional organizations could trigger savings on insurance coverage for Escape insurance.
  • Payment Method – If you pay your entire premium ahead of time instead of making monthly payments you can actually save on your bill.
  • Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
  • Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts could cut 10% or more off your medical payments premium.

Consumers should know that most of the big mark downs will not be given to the overall cost of the policy. Some only reduce individual premiums such as collision or personal injury protection. Just because it seems like you can get free auto insurance, it just doesn’t work that way. But all discounts will help reduce the amount you have to pay.

Insurance companies that may have these benefits are:

Before buying, ask every prospective company what discounts are available to you. Some discounts might not apply everywhere.

Do drivers who switch really save $452 a year?

Auto insurance providers like Geico, State Farm and Progressive continually stream television and radio advertisements. They all say the same thing that you’ll save big after switching to them. How does each company claim to save you money? It’s all in the numbers.

All companies are able to cherry pick for the type of customer they prefer to insure. A good example of a preferred risk could possibly be between the ages of 30 and 50, owns a home, and chooses high deductibles. A customer getting a price quote who fits that profile will qualify for the lowest rates and as a result will probably save when switching.

Drivers who fall outside this ideal profile will be quoted a more expensive rate which usually ends up with business not being written. The ad wording is “customers who switch” but not “drivers who get quotes” save money. That’s the way companies can state the savings.

This emphasizes why you absolutely need to get as many comparisons as possible. It’s just too difficult to predict which company will have the lowest Ford Escape insurance rates.

Will just any policy work for me?

When it comes to choosing adequate coverage, there is no single plan that fits everyone. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out whether your personal situation will benefit from professional help.

  • Can I make deliveries for my home business?
  • Is my nanny covered when driving my vehicle?
  • What is an SR-22 filing?
  • When should I remove comp and collision on my 2010 Ford Escape?
  • Who is covered when they drive my 2010 Ford Escape?
  • Does my medical payments coverage pay my health insurance deductible?
  • Will my insurance pay for OEM parts?
  • Is my cargo covered for damage or theft?
  • Is my Ford Escape covered if I use it for business?
  • Will my rates increase for filing one claim?

If you’re not sure about those questions then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Insurance policy specifics

Knowing the specifics of your insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be confusing and coverage can change by endorsement. These are typical coverages offered by insurance companies.

Insurance for medical payments

Med pay and PIP coverage reimburse you for expenses like nursing services, surgery, chiropractic care and doctor visits. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Collision protection

This coverage covers damage to your Escape from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like rolling your car, hitting a parking meter, damaging your car on a curb, colliding with another moving vehicle and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for 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 things like hitting a bird, a tree branch falling on your vehicle, hail damage, damage from a tornado or hurricane and hitting a deer. The maximum payout your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for liability

This protects you from damage or injury you incur to other people or property that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like medical services, repair costs for stationary objects, repair bills for other people’s vehicles, attorney fees and bail bonds. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your 2010 Ford Escape.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Saving money is sweet as honey

As you shop your coverage around, make sure you don’t skimp on critical coverages to save a buck or two. There are too many instances where an insured dropped collision coverage and discovered at claim time that the few dollars in savings costed them thousands. The aim is to buy enough coverage for the lowest price, not the least amount of coverage.

The cheapest 2010 Ford Escape insurance can be found both online as well as from independent agents, and you need to comparison shop both so you have a total pricing picture. Some insurance coverage companies don’t offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

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