Searching for lower insurance rates for your Ford Escape? Feel like you’re a prisoner to high-priced insurance? Trust us, you are not the only one feeling buyer’s remorse. Drivers have so many car insurance companies to choose from, and although it’s a good thing to have a selection, having more insurers makes it harder to get the best deal.
There are several ways to shop for Ford Escape insurance, but there is one way that is easier and takes less work. You could spend the better part of a day driving to insurance companies in your area, or you could use online quotes to achieve your goal.
Many of the larger companies belong to an insurance system 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 for each company. To fill out one form to compare multiple rates now click here to start a free quote.
The single downside to pricing coverage this way is you are unable to specify which insurance companies you will receive quotes from. So if you prefer to pick specific insurance companies to compare rates, we have a listing of the cheapest insurance companies in your area. Click to view list.
Whichever method you choose, make sure you use identical deductibles and coverage limits for each price quote. If each company quotes different deductibles it’s impossible to determine the lowest rate for your Ford Escape.
Insurance can cost an arm and a leg, but companies offer discounts that can drop the cost substantially. Certain discounts will be triggered automatically at the time of quoting, but some may not be applied and must be manually applied in order for you to get them. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.
It’s important to note that most of the big mark downs will not be given to your bottom line cost. Most only cut the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like you could get a free insurance coverage policy, insurance coverage companies aren’t that generous. But any discount will cut your premiums.
To see a list of providers with the best insurance coverage discounts, click this link.
When choosing the best car insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions can help discover if your situation will benefit from professional help.
If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.
Consumers constantly see and hear ads for the lowest price auto insurance from the likes of 21st Century, Allstate and State Farm. They all say the same thing that you can save after switching your coverage to them.
But how can every company make almost identical claims?
Different companies can use profiling for the driver they prefer to insure. An example of a driver they prefer could be between 30 and 50, has no driving citations, and chooses high deductibles. A customer getting a price quote who meets those qualifications will get very good rates and therefore will save a lot of money.
Potential customers who fall outside this ideal profile will have to pay higher premiums which leads to business going elsewhere. The ad wording is “people who switch” not “everybody who quotes” save money. This is how insurance companies can claim big savings.
Because of the profiling, drivers should get as many quotes as possible. It is impossible to predict which company will fit your personal profile best.
Having a good grasp of car insurance aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverage types found on most car insurance policies.
Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Ford Escape.
Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these coverages are similar to your liability insurance amounts.
This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims like rock chips in glass, a broken windshield, a tree branch falling on your vehicle and hail damage. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Liability insurance can cover injuries or damage you cause to people or other property in an accident. This insurance protects YOU against other people’s claims, and 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. Your policy might show limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Another option is a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability can pay for claims such as emergency aid, attorney fees, medical services, repair bills for other people’s vehicles and loss of income. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.
Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as prosthetic devices, EMT expenses, rehabilitation expenses, doctor visits and nursing services. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage
This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims like damaging your car on a curb, crashing into a ditch, rolling your car, hitting a mailbox and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.
We just presented a lot of ways to get a better price on 2003 Ford Escape insurance. The key thing to remember is the more quotes you get, the better your comparison will be. You may be surprised to find that the best price on car insurance is with the least-expected company. They can often insure niche markets at a lower cost compared to the large companies like Allstate, GEICO and Progressive.
Discount insurance can be sourced on the web and also from your neighborhood agents, so you should be comparing quotes from both to have the best selection. There are still a few companies who may not provide the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.
When buying insurance coverage, do not buy less coverage just to save a little money. In many instances, someone sacrificed uninsured motorist or liability limits and found out when filing a claim that the small savings ended up costing them much more. Your goal should be to purchase plenty of coverage at a price you can afford, not the least amount of coverage.
Additional detailed information can be found by following these links: