Shoppers have many options when shopping for the lowest priced Ford Escape insurance. They can either spend hours contacting agents getting price quotes or utilize the internet to get rate quotes.
There are both good and bad ways to shop for car insurance and we’ll show you the quickest way to get price quotes for a Ford and obtain the lowest price either online or from local insurance agents.
The purpose of this article is to help educate you on the most effective way to quote insurance and some tricks to saving. If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using this information. Vehicle owners just need to know the tricks to get comparison quotes on the web.
There are several ways to shop for Ford Escape insurance, but there is one way that is less time-consuming than others. You can spend your afternoon driving to insurance agencies in your area, or you can stay home and use online quotes to maximize your effort.
Many of the larger companies participate in a marketplace where prospective buyers enter their policy data once, and each company then returns a price quote determined by their information. This saves time by eliminating quotation requests for each company.
To access this free quoting program, click here (opens in new window).
The only drawback to using this type of system is that you can’t choose the insurers you will receive quotes from. So if you prefer to choose individual companies for rate comparison, we have a listing of companies who write insurance in your area. Click here to view list.
It doesn’t matter which method you choose, just be sure to compare identical coverage limits and deductibles on every quote you get. If your comparisons have different limits and deductibles on each one it will be very difficult to find the best deal for your Ford Escape.
Car insurance is not cheap, but companies offer discounts that you may not even be aware of. Most are applied at the time of purchase, but some must be specifically requested prior to receiving the credit. If you aren’t receiving every discount possible, you are paying more than you should be.
A little note about advertised discounts, most discounts do not apply to the entire cost. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, it doesn’t quite work that way. But all discounts will bring down your overall premium however.
Insurance companies that may have these benefits are:
Before buying, ask each insurance company what discounts are available to you. Savings may not apply in every state.
When buying the best insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is a little different.
For example, these questions may help you determine if you would benefit from professional advice.
If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.
Understanding the coverages of a car insurance policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement.
Comprehensive or Other Than Collision
Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive insurance covers things such as falling objects, vandalism, a broken windshield, fire damage and damage from flooding. The highest amount your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
This coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Ford Escape.
Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important. Normally these coverages do not exceed the liability coverage limits.
Medical costs insurance
Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for doctor visits, surgery, nursing services and prosthetic devices. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage
This coverage will cover damage that occurs to people or other property that is your fault. It protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.
Liability coverage protects against things like pain and suffering, structural damage, funeral expenses, repair bills for other people’s vehicles and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.
This covers damage to your Escape resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims like hitting a mailbox, colliding with a tree, backing into a parked car, scraping a guard rail and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.