Trying to find better insurance prices for a Ford Escape can normally be a lot of work, but you can learn these tips to make it easier.
There are both good and bad ways to shop for car insurance and you need to know the quickest way to get price quotes for a Ford and obtain the lowest price either online or from local insurance agents.
The fastest way that we advise to compare rates is to realize most insurance companies pay for the opportunity to provide you with free rate quotes. To start a quote, the only thing you need to do is spend a couple of minutes providing details including how much education you have, whether you have decent credit, whether or not you need a SR-22, and if you’re married. That information is submitted instantly to multiple companies and you should receive rate quotes quickly.
Insurance can cost an arm and a leg, but discounts can save money and there are some available to reduce the price significantly. A few discounts will automatically apply when you get a quote, but less common discounts must be asked for before they will apply. If you’re not getting every credit available, you’re paying more than you need to.
As a disclaimer on discounts, some of the credits will not apply to the entire policy premium. A few only apply to the price of certain insurance coverages like comp or med pay. So when it seems like all those discounts means the company will pay you, it doesn’t quite work that way. Any amount of discount will cut the amount you have to pay.
Companies that may have some of the above discounts include:
Before buying, ask each insurance company what discounts are available to you. All car insurance discounts may not apply in your state.
When it comes to choosing the right insurance coverage, there is no perfect coverage plan. Everyone’s situation is a little different.
Here are some questions about coverages that can help discover if you would benefit from an agent’s advice.
If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and can help protect your family.
Understanding the coverages of your policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.
Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for expenses like nursing services, dental work and funeral costs. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
UM/UIM Coverage – This provides protection when other motorists do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Ford Escape.
Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Frequently these limits are set the same as your liablity limits.
Comprehensive or Other Than Collision – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things such as fire damage, damage from flooding and damage from a tornado or hurricane. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Collision coverage – This will pay to fix damage to your Escape resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.
Collision can pay for things such as hitting a parking meter, damaging your car on a curb, hitting a mailbox and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.
Liability – This provides protection from damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.
Liability insurance covers things such as court costs, emergency aid, attorney fees, medical services and structural damage. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.