2011 Ford Escape Hybrid Insurance Quotes – 6 Ways to Save

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Trust us when we tell you there are lots of people in the same boat.

Insurance companies such as State Farm, GEICO and Farmers Insurance continually bombard you with advertising and it can be hard to see through the cute green geckos and mayhem and take the time to shop coverage around.

It’s smart to do rate comparisons occasionally because prices fluctuate regularly. Despite the fact that you may have had the best rates on Escape Hybrid coverage a few years ago you can probably find a lower rate today. You’ll find quite a bit of inaccurate information about car insurance online, so I’m going to show you some tested techniques to slash your car insurance rates.

If you currently have car insurance, you will be able to cut costs considerably using this information. Finding affordable coverage is not rocket science. But drivers do need to learn how insurance companies price online insurance.

Cut your premium with these six discounts

Insuring your fleet can be pricey, but companies offer discounts that you may not even be aware of. Some trigger automatically when you get a quote, but a few need to be inquired about before you will receive the discount.

  • Drivers Education – Have your child enroll in driver’s education if it’s offered in school.
  • Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts can save 10% or more off the personal injury premium cost.
  • Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts can get savings of more than 20%.
  • Discount for Good Grades – This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
  • Drive Safe and Save – Insureds without accidents can pay as much as 50% less on Escape Hybrid coverage than their less cautious counterparts.
  • Defensive Driver – Successfully completing a course teaching defensive driving skills could save 5% or more depending on where you live.

It’s important to note that many deductions do not apply to the entire policy premium. The majority will only reduce individual premiums such as comprehensive or collision. Just because it seems like all those discounts means the company will pay you, it just doesn’t work that way. Any qualifying discounts will help reduce your overall premium however.

For a list of insurance companies with the best insurance coverage discounts, click here to view.

Drivers who switch save $462 a year? Really?

Companies like 21st Century, Allstate and State Farm consistently run ads on television and other media. All the ads have a common claim of big savings if you change to their company. But how can every company say the same thing?

Insurance companies have a certain “appetite” for the driver that is profitable for them. For example, a preferred risk might be between 25 and 40, insures multiple vehicles, and drives less than 7,500 miles a year. A customer getting a price quote that hits that “sweet spot” will get very good rates and as a result will probably cut their rates substantially.

Consumers who don’t measure up to the requirements will be quoted higher prices which leads to the driver buying from a lower-cost company. The ads state “customers who switch” not “people who quote” save that kind of money. That is how insurance companies can claim big savings.

This emphasizes why you should get quotes from several different companies. It’s just too difficult to predict the company that will have the lowest Ford Escape Hybrid insurance rates.

What is the best insurance coverage?

When it comes to choosing adequate coverage, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that may help highlight whether or not you would benefit from an agent’s advice.

  • Am I covered when delivering products for my home-based business?
  • If my 2011 Ford Escape Hybrid is totaled, can I afford another vehicle?
  • Does my personal policy cover me when driving out-of-state?
  • Are there companies who specialize in insuring high-risk drivers?
  • Will my insurance pay for OEM parts?
  • Is my camper covered by my car insurance policy?

If you can’t answer these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Auto insurance coverages 101

Learning about specific coverages of your auto insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find the usual coverages found on most auto insurance policies.

Coverage for medical expenses – Med pay and PIP coverage provide coverage for immediate expenses such as rehabilitation expenses, hospital visits, nursing services and prosthetic devices. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Comprehensive auto insurance – This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like a broken windshield, vandalism, fire damage and theft. The most your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability insurance – This coverage provides protection from damages or injuries you inflict on other’s property or people in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as structural damage, legal defense fees and attorney fees. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Collision coverage – This coverage will pay to fix damage to your Escape Hybrid resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as hitting a parking meter, hitting a mailbox and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Ford Escape Hybrid.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Save your cold hard cash

When trying to cut insurance costs, never skimp on coverage in order to save money. There have been many cases where an insured cut comprehensive coverage or liability limits and discovered at claim time they didn’t have enough coverage. Your aim should be to buy the best coverage you can find for the lowest price while not skimping on critical coverages.

We’ve covered some good ideas how to compare 2011 Ford Escape Hybrid insurance prices online. The key thing to remember is the more providers you compare, the better chance you’ll have of finding lower rates. You may even discover the best prices are with the least-expected company. Smaller companies can often insure niche markets at a lower cost than their larger competitors like State Farm and Allstate.

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