Save on 2017 Ford Escape Car Insurance Cost

Trying to find better insurance rates for your Ford Escape? Finding affordable insurance on the web can seem to be difficult for beginners to buying insurance online. With such a large number of insurers to choose from, how can you effectively compare every one to find the lowest price available?

If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using these tips. Pricing more affordable insurance coverage is not that difficult. But drivers must learn how big insurance companies determine prices and apply this information to your search.

How to Compare Insurance Coverage Quotes

Performing a rate comparison can be exhausting if you don’t understand the fastest way to get free quotes. You can waste a lot of time discussing policy coverages with insurance companies in your area, or you could use the internet for quick rates.

The majority of car insurance companies participate in a marketplace where prospective buyers enter their coverage request one time, and at least one company can provide price quotes determined by their information. This prevents consumers from doing quotation requests for each company you want a rate for.

To find out how much you can save on insurance coverage click here (opens in new window).

The only drawback to pricing coverage this way is that consumers can’t choose which insurance companies to get quotes from. If you would rather choose specific insurance companies to compare prices, we have a page of companies who write insurance coverage in your area. Click here for list of insurance companies.

Whichever way you use, be sure to compare identical coverage information on every quote you get. If you are comparing different deductibles you can’t possibly find the best deal for your Ford Escape. Just a small difference in limits may result in large price differences. Just remember that obtaining a wide range of quotes will improve the odds of getting lower pricing.

Ford Escape insurance rates consist of many parts

It’s important that you understand some of the elements that come into play when calculating your car insurance rates. Knowing what influences your rates empowers consumers to make smart changes that may reward you with lower car insurance prices.

  • Better credit scores mean better rates – A driver’s credit history is a large factor in determining what you pay for car insurance. If your credit rating is not that good, you could be paying less to insure your 2017 Ford Escape by improving your credit score. Consumers who have excellent credit tend to be less risk to insure than drivers with lower credit scores.
  • Mature drivers pay less – Older drivers are more responsible, statistically cause fewer accidents and receive fewer citations. Young drivers have a tendency to be careless and easily distracted behind the wheel therefore car insurance rates are much higher.
  • Never go without insurance – Not having insurance is against the law and as a result your rates will increase for letting your coverage lapse. Not only will you pay more, getting caught without coverage will get you a license revocation or jail time.You may have to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
  • The more you drive the more you pay – Driving more miles in a year’s time the more you will pay for car insurance. Most companies apply a rate based on how the vehicle is used. Autos not used for work or commuting get more affordable rates 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 coverage is showing the proper vehicle usage.

Are you getting all your discounts?

Car insurance is not cheap, but discounts can save money and there are some available that you may not even be aware of. Most are applied when you complete an application, but some must be specially asked for before you get the savings.

  • Good Student – Getting good grades can earn a discount of 20% or more. The good student discount can last well after school through age 25.
  • Service Members Pay Less – Having a family member in the military can result in better rates.
  • Accident Forgiveness – A few companies permit an accident before hitting you with a surcharge if your claims history is clear for a set time period.
  • Homeowners Savings – Simply owning a home can help you save on auto insurance because maintaining a house requires personal responsibility.
  • Life Insurance – Some companies give better rates if you take out life insurance.
  • Student Driver Training – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.
  • Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.

As a disclaimer on discounts, most of the big mark downs will not be given the the whole policy. Some only apply to specific coverage prices like comprehensive or collision. So when it seems like it’s possible to get free car insurance, you’re out of luck. Any qualifying discounts will bring down the cost of coverage.

Insurance companies that may have these benefits may include but are not limited to:

Check with each insurance company which discounts they offer. Discounts might not be offered in your state.

Tailor your coverage to you

When choosing coverage, there really is no single plan that fits everyone. Everyone’s needs are different.

Here are some questions about coverages that can help discover if you may require specific advice.

  • What is covered by UM/UIM coverage?
  • Can I get a multi-policy discount?
  • Where can I get insurance after a DUI in my state?
  • Do I have coverage when making deliveries for my home business?
  • Is a new car covered when I drive it off the dealer lot?
  • Am I covered if I drive in a foreign country?
  • Where can I find high-risk insurance?
  • Am I covered by my spouse’s policy after a separation?
  • Can I drive in Mexico and have coverage?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, fill out this quick form.

Coverage specifics

Knowing the specifics of insurance aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Collision coverage – This pays for damage to your Escape from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like sustaining damage from a pot hole, crashing into a building and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Liability coverages – Liability insurance will cover damages or injuries you inflict on other people or property in an accident. It protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Alternatively, you may have one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability can pay for things such as pain and suffering, bail bonds, legal defense fees and court costs. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Ford Escape.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as surgery, EMT expenses, nursing services, hospital visits and prosthetic devices. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. It covers all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Comprehensive insurance – This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as damage from a tornado or hurricane, a broken windshield and rock chips in glass. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Buy Smart and Save

We’ve covered a lot of information how to save on 2017 Ford Escape insurance. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. You may even find the biggest savings come from the smaller companies.

Consumers change insurance companies for any number of reasons including being labeled a high risk driver, delays in paying claims, policy cancellation and high rates after DUI convictions. Regardless of your reason, finding the right auto insurance provider can be easier than you think.

Budget-conscious insurance can be sourced from both online companies and with local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some companies do not offer online price quotes and these small, regional companies work with independent agents.

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