Compare 2007 Ford Escape Hybrid Insurance Rates

Trying to find the cheapest auto insurance rates? Buyers have many options when searching for the lowest priced Ford Escape Hybrid insurance. You can either waste hours calling around to compare prices or utilize the internet to compare rates.

There are more efficient ways to shop for auto insurance so we’re going to tell you the proper way to price shop coverage on a Ford and obtain the cheapest rates from both online companies and local agents.

Lots of discounts mean lots of savings

Insurance can cost an arm and a leg, but discounts can save money and there are some available to cut the cost considerably. Most are applied when you get a quote, but less common discounts must be manually applied before you get the savings. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • Safety Course Discount – Successfully completing a course teaching defensive driving skills could save 5% or more if you qualify.
  • Anti-lock Brake System – Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
  • Multiple Cars – Having all your vehicles on one policy qualifies for this discount.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
  • Theft Prevention System – Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.

Drivers should understand that most discount credits are not given to the entire cost. Most cut specific coverage prices like liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, you’re out of luck. But all discounts will cut your overall premium however.

Companies that may have these discounts are:

Before buying, ask every prospective company how you can save money. Savings may not apply in every state.

These factors can influence what you pay for Ford Escape Hybrid insurance

Consumers need to have an understanding of the rating factors that go into determining the rates you pay for auto insurance. Having a good understanding of what determines base rates allows you to make educated decisions that will entitle you to much lower annual insurance costs.

Listed below are a partial list of the pieces companies use to determine prices.

  • Protect yourself with liability coverage – Liability coverage is the coverage that protects you in the event that a court rules you are at fault for damages from an accident. It provides you with a defense in court which can cost thousands of dollars. Liability is cheap when compared with rates for comp and collision, so buy as much as you can afford.
  • Extra add-on coverages are wasting money – There are a lot of extra bells and whistles you can purchase on your auto insurance policy. Coverages like personal injury protection, better glass coverage and membership fees may be wasting your money. These may sound like a good investment initially, but your needs may have changed so get rid of them and save.
  • More miles equals more premium – The more miles you rack up on your Ford every year the higher your rate. The majority of insurers rate vehicles based on how the vehicle is used. Autos that are left in the garage get more affordable rates than those used for commuting. Verify your auto insurance policy is rated on how each vehicle is driven. If your policy improperly rates your Escape Hybrid may be wasting your money.
  • Rural vs Urban Areas – Residing in a rural area can be a good thing when buying auto insurance. Fewer drivers translates into fewer accidents and a lower car theft rate. City drivers tend to have much more traffic to deal with and longer commutes to work. Longer commute distances means higher likelihood of an accident.
  • Your car’s features help determine rates – Choosing a vehicle that has an advanced theft prevention system can get you a discount on your auto insurance. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart auto theft.

Situations that might require an agent

When choosing coverage for your personal vehicles, there is no one size fits all plan. Everyone’s situation is a little different.

For example, these questions may help highlight if your insurance needs would benefit from an agent’s advice.

  • How high should my medical payments coverage be?
  • When can I cancel my policy?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Can my teen drive my company car?
  • Is my trailer covered?
  • Which companies will insure high-risk drivers?
  • Can I afford to pay high deductible claims out of pocket?
  • Do I have coverage if my license is suspended?
  • Am I getting all the discounts available?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance coverages for a 2007 Ford Escape Hybrid

Having a good grasp of your policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Liability insurance – This will cover injuries or damage you cause to people or other property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one number which is a combined single 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 pain and suffering, repair bills for other people’s vehicles, funeral expenses and medical services. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Collision coverage – This coverage covers damage to your Escape Hybrid resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as colliding with another moving vehicle, colliding with a tree and backing into a parked car. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Comprehensive coverage – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as fire damage, theft, rock chips in glass, vandalism and falling objects. The maximum amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for short-term medical expenses for things like rehabilitation expenses, hospital visits, doctor visits, X-ray expenses and chiropractic care. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Cheaper insurance is a realistic goal

While you’re price shopping online, don’t be tempted to skimp on critical coverages to save a buck or two. In many instances, someone dropped liability coverage limits only to regret at claim time that it was a big mistake. Your focus should be to buy the best coverage you can find at a price you can afford while still protecting your assets.

Insureds switch companies for a number of reasons such as poor customer service, policy non-renewal, unfair underwriting practices or even delays in responding to claim requests. Whatever your reason, finding a new company is not as hard as you think.

Discount 2007 Ford Escape Hybrid insurance can be sourced both online as well as from independent agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies don’t offer online quoting and usually these small, regional companies provide coverage only through local independent agents.

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