Save on 2007 Ford Escape Insurance Rates

Looking for better auto insurance rates? Shoppers have lots of choices when shopping for the lowest priced Ford Escape insurance. You can either waste hours struggling with agents getting price quotes or save time using the internet to compare rates. There is a better way to buy auto insurance and we’ll show you the best way to get price quotes on a Ford and locate the cheapest rates from local insurance agents and online providers.

Comprehensive Car Insurance Comparison

Finding cheaper 2007 Ford Escape car insurance prices is a fairly straight forward process. All that’s required is to spend a little time comparing price quotes provided by online insurance companies. This is very easy and can be done using a couple different methods.

  1. The fastest way to get the best comparison quotes is to use a rate comparison form click here to open form in new window. This form eliminates the need for repetitive form submissions to each individual car insurance company. Just one form gets rate comparisons instantly. It’s the fastest way to compare.
  2. A more difficult way to get quotes online is to take the time to go to the website for every company you want to comare and complete a new quote form. For instance, we’ll pretend you want comparison quotes from USAA, Farmers and Allstate. To find out each rate you need to take the time to go to each site and enter your information, which is why the first method is more popular.

    To view a list of companies in your area, click here.

  3. The least recommended way of comparing rate quotes is driving around to and from local insurance agencies. The internet makes this process obsolete unless you prefer the personal advice that only a license agent can provide. Drivers can price shop your coverage online but still have the advice of a local agent and we’ll touch on that later.

Whichever way you use, ensure you are comparing identical coverage limits and deductibles on every quote you get. If you have different limits and deductibles on each one you can’t possibly make an equal comparison.

Verify you’re getting all your discounts

Companies offering auto insurance don’t always list all available discounts in an easy-to-find place, so here is a list both the well known and the harder-to-find insurance savings. If they aren’t giving you every credit you qualify for, you are throwing money away.

  • Seat Belts Save more than Lives – Drivers who require all occupants to buckle their seat belts can save 10% or more off your medical payments premium.
  • Multiple Cars – Buying insurance for all your vehicles on one policy can get a discount on all vehicles.
  • Auto/Life Discount – Some companies give lower rates if you buy a life insurance policy as well.
  • Air Bag Discount – Vehicles with factory air bags may earn rate discounts of 20% or more.
  • Senior Citizens – Older drivers may receive reduced rates on Escape insurance.
  • New Vehicle Savings – Buying coverage on a new vehicle is cheaper since new cars are generally safer.
  • Anti-theft System – Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Student in College – Kids in college who live away from home and don’t have a car can receive lower rates.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. Most only apply to the cost of specific coverages such as comp or med pay. So when the math indicates all the discounts add up to a free policy, insurance companies aren’t that generous.

Car insurance companies who might offer these discounts include:

It’s a good idea to ask all companies you are considering how you can save money. Some discounts may not be available in your area.

When should I talk to an agent?

When buying the best insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s needs are different.

For instance, these questions may help highlight if your situation might need an agent’s assistance.

  • Am I insured when driving a different vehicle?
  • Am I covered if hit by an uninsured driver?
  • Should I carry comprehensive and collision coverage?
  • Am I covered if I drive in a foreign country?
  • How much liability do I need to cover my assets?
  • Can I still get insurance after a DUI?
  • Does insurance cover damages from a DUI accident?
  • Where can I find DUI or SR-22 insurance?
  • Should I put collision coverage on all my vehicles?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Why your Ford Escape insurance rates may be high

Smart consumers have a good feel for the different types of things that come into play when calculating your insurance rates. Knowing what influences your rates empowers consumers to make smart changes that may reward you with big savings.

The list below includes some of the items used by your company to calculate rates.

  • A lapse in coverage is a bad thing – Allowing your insurance policy to lapse will be a sure-fire way to trigger a rate increase. And not only will insurance be more expensive, failure to provide proof of insurance can result in a hefty fine and possibly a revoked license.You may then be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Being married is a good thing – Having a wife or husband can actually save you money on insurance. Having a significant other is viewed as being more mature and responsible and statistics show drivers who are married are more cautious.
  • Multi-policy discounts can save money – Many insurance companies provide better rates to customers who consolidate policies with them, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s in your best interest to comparison shop to make sure you are getting the best deal. You may still find better rates by insuring with multiple companies.
  • Poor driving leads to higher costs – Whether or not you get tickets impacts your car insurance rates tremendously. Only having one citation can increase rates by as much as thirty percent. Good drivers receive lower rates than their less careful counterparts. Drivers with dangerous tickets like DWI, reckless driving or hit and run convictions are required to file a proof of financial responsibility form (SR-22) with their state DMV in order to prevent a license revocation.
  • Add-on coverages can add up – There are many additional coverages that you can buy on your insurance policy. Coverages for rental car reimbursement, towing coverage and membership fees are some examples. These coverages may sound good when talking to your agent, but your needs may have changed so eliminate them to save money.
  • Younger drivers pay higher rates – Older drivers are viewed as being more responsible, file fewer claims and get fewer tickets. Teen drivers tend to be more careless behind the wheel therefore insurance rates are much higher.

Don’t believe everything you hear

Drivers can’t ignore all the ads for car insurance savings by companies like 21st Century, Allstate and State Farm. They all say the same thing about savings if you switch to them.

How do they all say the same thing? This is how they do it.

Insurance companies can use profiling for the type of customer that earns them a profit. A good example of a preferred risk might be profiled as between 30 and 50, a clean driving record, and chooses high deductibles. A driver who meets those qualifications gets the lowest rates and therefore will save a lot of money.

Potential customers who are not a match for these standards will have to pay more money and ends up with business going elsewhere. The ad wording is “customers who switch” not “everyone that quotes” save that much money. This is how insurance companies can advertise the savings. Because of the profiling, it is so important to compare many company’s rates. It is impossible to predict which car insurance company will have the lowest Ford Escape insurance rates.

Coverages available on your auto insurance policy

Learning about specific coverages of a auto insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and reading a policy is terribly boring.

Collision insurance

This coverage will pay to fix damage to your Escape resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like colliding with another moving vehicle, driving through your garage door, hitting a parking meter, rolling your car and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Ford Escape.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Liability car insurance

This coverage protects you from damage or injury you incur to other people or property by causing an accident. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims like repair costs for stationary objects, legal defense fees, emergency aid and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.

Comprehensive coverage

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hitting a deer, falling objects and vandalism. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for immediate expenses like nursing services, dental work and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Do the work, save more money

Affordable 2007 Ford Escape insurance can be bought online and also from your neighborhood agents, so compare prices from both to have the best rate selection. A few companies may not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.

As you shop your coverage around, it’s very important that you do not buy less coverage just to save a little money. In many instances, an accident victim reduced liability limits or collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy enough coverage for the lowest price.

We’ve covered many ideas to get a better price on insurance. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding lower rates. Consumers could even find that the best price on car insurance is with an unexpected company.

More detailed car insurance information is located by following these links: