View 2015 Ford Escape Car Insurance Cost

Scraping up a payment for overpriced Ford Escape insurance can drain your personal savings and put the squeeze on your family’s finances. Shopping your coverage around is a great way to make sure you’re not throwing money away.

Insurance companies such as Geico, Progressive and Allstate constantly bombard you with catchy ads and it is challenging if not impossible to separate fact from fiction and take the time to shop coverage around.

Consumers need to do rate comparisons occasionally since insurance rates are usually higher with each renewal. Just because you had the lowest price for Escape insurance a year ago you may be paying too much now. Starting now, forget all the misinformation about insurance coverage because we’re going to show you the quickest way to remove unneeded coverages and save money.

If you currently have car insurance, you stand a good chance to be able to cut costs considerably using these methods. Finding the best rates is quite easy. Although drivers must know the way insurance companies market insurance on the web and use this information to your advantage.

Where Can I Get Cheap Insurance Coverage?

There are a lot of ways you can shop for insurance coverage and some are easier and takes less work. You can waste a few hours (or days) talking to agents in your area, or you could use the web for quick rates.

All the larger companies participate in an industry program that enables customers to enter their policy data once, and every company returns a competitive quote determined by their information. This system prevents you from having to do quotation requests to every company. To get comparison pricing now click here to open in new window.

The only downside to using this type of form is you are unable to specify the companies you want pricing from. If you prefer to choose individual companies to compare, we have assembled a list of the cheapest insurance coverage companies in your area. View list of insurance companies.

Whichever method you choose, make absolute certain that you use apples-to-apples coverage information for every company. If each company quotes differing limits it will be impossible to make a fair comparison for your Ford Escape. Quoting even small variations in insurance coverages can mean a large discrepancy in price. And when comparing insurance coverage rates, know that getting more free quotes helps you find a better price.

Discounts on Ford Escape insurance

Insurance can be prohibitively expensive, buy you may qualify for discounts to help bring down the price. Some discounts apply automatically at quote time, but some may not be applied and must be asked for in order for you to get them.

  • Accident Forgiveness – Certain companies will allow you to have one accident without raising rates as long as you don’t have any claims for a particular time prior to the accident.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10%.
  • Driver Safety – Completing a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
  • Paperwork-free – Some insurance companies will give a small break for buying your policy digitally online.
  • Braking Control Discount – Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
  • Passive Restraints and Air Bags – Factory air bags or automatic seat belts can receive discounts of up to 25% or more.

Consumers should know that some credits don’t apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like comprehensive or collision. So when the math indicates you would end up receiving a 100% discount, it doesn’t quite work that way. Any qualifying discounts will help reduce your overall premium however.

Insurance companies that may have these discounts include:

It’s a good idea to ask every prospective company which discounts you may be entitled to. Savings may not be available in your state.

Tailor your coverage to you

When choosing adequate coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions might help in determining whether your personal situation would benefit from professional advice.

  • Should I get collision insurance on every vehicle?
  • What are the best liability limits?
  • Is my 2015 Ford Escape covered for smoke damage?
  • Is my camper covered by my car insurance policy?
  • Do I need special endorsements for business use of my vehicle?
  • What discounts do I qualify for?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Auto insurance policy specifics

Learning about specific coverages of a auto insurance policy helps when choosing the best coverages for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages found on most auto insurance policies.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for immediate expenses for things like prosthetic devices, X-ray expenses, surgery and chiropractic care. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Liability

Liability insurance will cover damage or injury you incur to people or other property in an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Another option is one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like attorney fees, structural damage, bail bonds and court costs. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive insurance

Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like a broken windshield, hitting a deer, rock chips in glass and hitting a bird. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Ford Escape.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Auto collision coverage

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

Collision can pay for claims like hitting a mailbox, colliding with another moving vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

One last thing

You just read a lot of techniques to get a better price on 2015 Ford Escape insurance. It’s most important to understand that the more times you quote, the higher your chance of finding lower rates. Consumers may even find the lowest rates come from a smaller regional carrier. Smaller companies may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate, Geico and Progressive.

The cheapest insurance is available from both online companies and also from your neighborhood agents, so you should compare both to have the best rate selection. Some insurance companies may not provide online quoting and most of the time these smaller companies sell through independent agents.

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