2012 Ford Escape Insurance Quotes

If online auto insurance comparisons are new to you, you may be confused by the large number of companies offering coverage.

Consumers should take time to take a look at other company’s rates occasionally since insurance rates are variable and change quite frequently. If you had the lowest price for Escape coverage six months ago you will most likely find a better rate today. So forget all the misinformation about auto insurance because you’re going to get a crash course in the fastest and easiest way to properly buy coverages and cut your premium.

Finding more affordable insurance coverage is not that difficult. Just about anyone who buys insurance coverage should be able to find lower rates. But car owners benefit from understanding how insurance companies sell online because it can help you find the best coverage.

Companies offer discounts so take them!

The price of auto insurance can be rather high, but you can get discounts to help bring down the price. Certain discounts will be triggered automatically at quote time, but a few must be inquired about prior to receiving the credit.

  • Claim Free – Drivers with accident-free driving histories pay much less compared to frequent claim filers.
  • Sign Online – Certain companies will give a small break just for signing your application on their website.
  • Sign Early and Save – Select companies give a discount for switching to them prior to your current policy expiring. It can save you around 10%.
  • Resident Student – Youth drivers who are attending college and do not have a car can receive lower rates.
  • Driver’s Ed – Require your teen driver to take driver’s ed class in school.
  • New Vehicle Savings – Adding a new car to your policy can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less for Escape coverage than less cautious drivers.
  • Driver Safety – Completing a driver safety course could cut 5% off your bill if you qualify.

It’s important to understand that many deductions do not apply to the overall cost of the policy. Most only apply to individual premiums such as liability, collision or medical payments. So even though it sounds like you could get a free auto insurance policy, auto insurance companies aren’t that generous. But all discounts will cut your premiums.

Insurance companies who might offer these money-saving discounts include:

Double check with all companies you are considering how you can save money. Savings might not apply in every state.

Do I just need basic coverages?

When it comes to buying the right insurance coverage for your vehicles, there really is not a cookie cutter policy. Every situation is different.

These are some specific questions might help in determining if you may require specific advice.

  • I have a DUI can I still get coverage?
  • How much liability do I need to cover my assets?
  • Where can I find high-risk insurance?
  • What is roadside assistance coverage?
  • Do I have newly-aquired coverage?
  • Do I have coverage when pulling a U-Haul trailer?
  • Does my 2012 Ford Escape need full coverage?
  • Should I put collision coverage on all my vehicles?

If you can’t answer these questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form.

Save $418 a year? Really?

Insurance providers like State Farm, Geico and Progressive constantly bombard you with ads on television and other media. They all make an identical promise about savings if you switch to their company. How do they all make almost identical claims?

All the different companies can use profiling for the driver they prefer to insure. A good example of a profitable customer could be between the ages of 30 and 50, is a homeowner, and drives newer vehicles. A propective insured who meets those qualifications will get very good rates and therefore will cut their rates substantially.

Drivers who fall outside these standards will be quoted a more expensive rate and ends up with the driver buying from a lower-cost company. Company advertisements say “customers that switch” not “everyone that quotes” save that much money. That’s the way insurance companies can claim big savings.

This emphasizes why drivers should compare many company’s rates. Because you never know which insurance company will give you the biggest savings on Ford Escape insurance.

Auto insurance coverage considerations

Having a good grasp of your policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Usually these limits are identical to your policy’s liability coverage.

Collision protection

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as scraping a guard rail, rolling your car, hitting a parking meter and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Auto liability insurance

This coverage provides protection from damages or injuries you inflict on other’s property or people that is your fault. This coverage protects you against claims from other people. It does not cover 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 values of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as pain and suffering, court costs, attorney fees and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Coverage for medical expenses

Med pay and PIP coverage pay for immediate expenses for things like doctor visits, chiropractic care, hospital visits and rehabilitation expenses. They are utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive auto insurance

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like rock chips in glass, a broken windshield, hail damage, damage from a tornado or hurricane and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

A tidy conclusion

Insureds switch companies for any number of reasons including extreme rates for teen drivers, denial of a claim, being labeled a high risk driver or poor customer service. It doesn’t matter why you want to switch choosing a new insurance company can be easy and end up saving you some money.

While you’re price shopping online, you should never buy poor coverage just to save money. Too many times, an insured dropped full coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy enough coverage for the lowest price, not the least amount of coverage.

Cheap 2012 Ford Escape insurance can be bought both online as well as from independent agents, and you need to price shop both to have the best selection. Some insurance companies don’t offer the ability to get a quote online and these smaller companies work with independent agents.

For more information, feel free to visit the resources below: