Lower Your 2014 Ford Escape Car Insurance Cost

Are you sick and tired of not being able to afford to buy car insurance? Your situation is no different than many other drivers.

Companies like Allstate, Liberty Mutual and State Farm continually bombard you with catchy ads and it can be hard to ignore the propoganda and find the best price available.

It’s important to compare rates periodically because rates change quite often. Despite the fact that you may have had the lowest rates on Escape coverage a few years ago other companies may now be cheaper. Forget anything you know (or think you know) about insurance coverage because you’re about to learn the proper way to eliminate unnecessary coverages and save money.

How to Compare Insurance Coverage Costs

Comparing insurance coverage rates can take time and effort if you don’t utilize the easiest way. You could waste time discussing policy coverages with local insurance agents in your area, or you can utilize online quotes to get rates in a matter of minutes.

Most of the best insurance companies are enrolled in a marketplace where insurance shoppers submit one quote, and every company then returns a price quote based on that information. This system prevents you from having to do quote forms to each company.

To fill out one form to compare multiple rates now click here to start a free quote.

The one downside to using this type of form is you cannot specify which carriers you want to price. So if you want to select specific providers to compare rates, we have a listing of companies who write insurance coverage in your area. Click to view list.

It’s up to you how you get prices quotes, just be sure to compare identical deductibles and coverage limits with every price quote. If your comparisons have unequal deductibles or liability limits it will be impossible to truly determine the lowest rate. Having just a slight variation in insurance coverages can result in a big premium difference. It’s important to know that having more price comparisons helps you find the best offered rates.

Car insurance ads bend the truth

Car insurance companies such as 21st Century, Allstate and State Farm constantly bombard you with ads on television and other media. They all seem to say the same thing that you’ll save big if you switch to them. But how can every company claim to save you money?

All companies are able to cherry pick for the right customer that is profitable for them. For example, a preferred risk might be profiled as between the ages of 40 and 55, owns a home, and drives newer vehicles. A customer who fits that profile will qualify for the lowest rates and as a result will probably cut their rates substantially.

Potential customers who don’t meet this ideal profile will have to pay higher premiums which usually ends up with the driver buying from a lower-cost company. Company advertisements say “customers that switch” but not “drivers who get quotes” save that much money. This is how companies can advertise the way they do. Because of the profiling, it is so important to quote coverage with many companies. You cannot predict which car insurance company will give you the biggest savings on Ford Escape insurance.

Cut your premium with discounts

Car insurance companies don’t necessarily list every available discount in an easy-to-find place, so the following is a list of some of the more common as well as the least known savings tricks you should be using.

  • Accident Free – Claim-free drivers pay less when compared to frequent claim filers.
  • Driver’s Ed – Require your teen driver to complete a driver education course in high school.
  • Accident Forgiveness – A handful of insurance companies allow you one accident before raising your premiums as long as you don’t have any claims for a certain period of time.
  • Safety Course Discount – Taking part in a course in driver safety can save you 5% or more depending on where you live.
  • Military Rewards – Being on active duty in the military may qualify for rate reductions.
  • Pay Now and Pay Less – If you pay your bill all at once instead of paying each month you could save up to 5%.
  • Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts can receive discounts of up to 25% or more.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching to them before your current policy expires. The savings is around 10%.
  • Discounts for Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less on Escape coverage than less cautious drivers.
  • Multiple Cars – Buying insurance for all your vehicles on one policy qualifies for this discount.

A little note about advertised discounts, many deductions do not apply to the entire cost. Most only apply to the cost of specific coverages such as comp or med pay. So despite the fact that it appears you can get free auto insurance, companies don’t profit that way.

Companies that possibly offer some of the above discounts may include but are not limited to:

It’s a good idea to ask each company which discounts they offer. Savings might not be offered everywhere.

What is the best insurance coverage?

When choosing coverage, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that can help discover if you might need an agent’s assistance.

  • Is a fancy paint job covered?
  • Do I have coverage when pulling a U-Haul trailer?
  • Why am I required to buy high-risk coverage?
  • Do I pay less if my vehicle is kept in my garage?
  • When should I buy a commercial auto policy?
  • Should I waive the damage coverage when renting a car?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area.

Car insurance 101

Having a good grasp of your car insurance policy can help you determine the best coverages for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Listed below are typical coverage types found on most car insurance policies.

Medical expense coverage – Med pay and PIP coverage reimburse you for short-term medical expenses for nursing services, X-ray expenses, surgery and ambulance fees. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive protection – This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hail damage, a tree branch falling on your vehicle, rock chips in glass and damage from flooding. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability – This coverage can cover injuries or damage you cause to other people or property by causing an accident. It protects you from claims by other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims such as repair bills for other people’s vehicles, court costs and emergency aid. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

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

Collision can pay for things such as rolling your car, driving through your garage door, scraping a guard rail, sustaining damage from a pot hole and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage – This coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 2014 Ford Escape.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

What is YOUR best insurance company?

You just learned many ideas to shop for 2014 Ford Escape insurance online. The key thing to remember is the more providers you compare, the better your chances of lowering your rates. You may be surprised to find that the best price on auto insurance is with a lesser-known regional company. These companies often have lower prices on specific markets than the large multi-state companies such as State Farm and Allstate.

As you restructure your insurance plan, make sure you don’t sacrifice coverage to reduce premiums. In too many instances, an insured cut comprehensive coverage or liability limits and found out when filing a claim that the small savings ended up costing them much more. The proper strategy is to find the BEST coverage for the lowest price, not the least amount of coverage.

More detailed auto insurance information is available by following these links: