Lower Your 2012 Ford Escape Insurance Quotes

Looking for the cheapest car insurance rates for your Ford Escape? Are you tired of robbing Peter to pay Paul each month for car insurance? You are in the same boat as most other car owners. Big companies like Allstate and Progressive constantly blast consumers with ads and it is difficult to see past the geckos and flying pigs and effectively compare rates to find the best deal.

Policy discounts you shouldn’t miss

Car insurance companies don’t always list all available discounts in a way that’s easy to find, so we took the time to find some of the best known and the more hidden discounts you could be receiving. If you aren’t receiving every discount you deserve, you are throwing money away.

  • Theft Prevention Discount – Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
  • Senior Discount – If you’re over the age of 55, you may be able to get a discount up to 10% on Escape insurance.
  • Save with a New Car – Putting insurance coverage on a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • E-sign – Certain companies will discount your bill up to fifty bucks for buying your policy online.
  • Multi-policy Discount – If you have multiple policies with the same company you could get a discount of up to 20% off your total premium.
  • Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less on Escape insurance than drivers with accident claims.
  • Good Student – A discount for being a good student can earn a discount of 20% or more. The good student discount can last well after school through age 25.
  • Homeowners Savings – Owning a house can help you save on auto insurance because maintaining a house demonstrates responsibility.

It’s important to note that some of the credits will not apply the the whole policy. Some only apply to the price of certain insurance coverages like medical payments or collision. Just because it seems like adding up those discounts means a free policy, you won’t be that lucky.

To see a list of insurers with discount auto insurance rates, click here to view.

Compare the Market for Auto Insurance

Most companies like State Farm and Allstate give prices on their websites. Obtaining pricing is quite easy as you simply enter your coverage preferences as detailed in the form. When the form is submitted, their system will obtain your driving and credit reports and generates a price based on these factors. Online price quotes simplifies rate comparisons, but the time required to go to different websites and type in the same information can be a bit tiresome and repetitive. But it is imperative to get many rate quotes in order to find the lowest price.

Rate comparisons made easy

An easier way to find lower prices requires only one form that gets prices from multiple companies. It saves time, requires less work, and makes online quotes much more enjoyable. Immediately after submitting the form, it is quoted with multiple companies and you can pick your choice of the resulting price quotes. If the quotes result in lower rates, you can click and sign and buy the policy. The whole process takes less than 15 minutes and may save quite a bit of money.

In order to find out if lower rates are available, simply click here to open in new window and fill out the form. To compare your current rates, we recommend that you enter coverages and limits exactly as they are listed on your policy. Doing this guarantees you will have a price comparison based on identical coverages.

Ford Escape rates are in the details

Smart consumers have a good feel for the different types of things that help determine insurance rates. When you know what positively or negatively influences your rates allows you to make educated decisions that may reward you with better insurance rates.

  • Women pay lower rates – Statistics demonstrate women are more cautious behind the wheel. Now that doesn’t mean women are BETTER drivers than men. They both are in accidents in similar percentages, but the males tend to have more serious accidents. They also receive more costly citations such as DWI and reckless driving.
  • Rate your vehicle for proper use – The more you drive in a year the more you’ll pay to insure your vehicle. Almost all companies rate vehicles based upon how you use the vehicle. Cars and trucks left parked in the garage qualify for better rates than vehicles that are driven to work every day. Make sure your insurance policy properly reflects the correct driver usage. Incorrect usage on your Escape may be costing you.
  • Small claims can cost you – Companies award cheaper rates to insureds who are claim-free. If you file claims often, you can pretty much guarantee either policy cancellation or increased premiums. Your insurance policy is designed for the large, substantial claims.
  • Don’t skimp on liability – The liability section of your policy provides coverage when you are found to be at fault for damages caused by your negligence. It provides legal defense coverage which can cost thousands of dollars. Liability insurance is quite affordable compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Policy add-ons can waste money – There are many extra coverages that you can buy when buying insurance. Coverages like roadside assistance, towing coverage and term life insurance may be wasting your money. They may seem good when you first buy your policy, but if they’re wasting money get rid of them and save.
  • Safer cars cost less to insure – Vehicles with good safety scores can get you lower premiums. These vehicles have better occupant injury protection and better occupant protection means less money paid by your insurance company passed on to you as lower rates. If your Ford Escape is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Always keep insurance in force – Letting your insurance expire will be a sure-fire way to increase your insurance rates. Not only will rates go up, but being ticketed for driving with no insurance can result in a license revocation or jail time.

Insurance agents can help

When choosing proper insurance coverage for your vehicles, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions may help highlight if your situation might need professional guidance.

  • Should I buy only the required minimum liability coverage?
  • Are my friends covered when driving my 2012 Ford Escape?
  • Will filing a claim cost me more?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Is my 2012 Ford Escape covered for flood damage?
  • Are rock chip repairs covered?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Is there truth in advertising?

Consumers constantly see and hear ads for cheaper car insurance from companies such as State Farm and Allstate. All the companies make the same claim about savings after switching your policy.

How does each company claim to save you money?

Insurance companies have a certain “appetite” for the right customer they prefer to insure. A good example of a preferred risk could be between 25 and 40, a clean driving record, and drives newer vehicles. A customer getting a price quote who meets those qualifications is entitled to the best price and most likely will pay quite a bit less when switching companies.

Potential customers who fall outside this ideal profile will have to pay a higher premium and ends up with business not being written. Company advertisements say “people who switch” not “everyone that quotes” save money. This is how insurance companies can state the savings. Because of the profiling, you need to compare many company’s rates. Because you never know which company will fit your personal profile best.

Car insurance coverage breakdown

Knowing the specifics of your policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverages found on the average car insurance policy.

Liability insurance

This coverage protects you from damages or injuries you inflict on people or other property. This insurance protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things such as medical expenses, bail bonds, legal defense fees and attorney fees. How much coverage you buy is up to you, but buy as large an amount as possible.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hitting a deer, hitting a bird and damage from getting keyed. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Escape.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as backing into a parked car, sideswiping another vehicle, hitting a parking meter and crashing into a building. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also choose a higher deductible to bring the cost down.

Insurance for medical payments

Med pay and PIP coverage provide coverage for immediate expenses like X-ray expenses, chiropractic care and surgery. They are used in conjunction with a health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

A penny earned…

While you’re price shopping online, make sure you don’t skimp on critical coverages to save a buck or two. Too many times, an accident victim reduced liability coverage limits and discovered at claim time that their decision to reduce coverage ended up costing them more. Your strategy should be to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

Affordable 2012 Ford Escape insurance is attainable both online as well as from independent agents, and you should be comparing both to have the best chance of lowering rates. A few companies don’t offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

You just read some good ideas how you can save on insurance. The key thing to remember is the more providers you compare, the better your chances of lowering your rates. Consumers may even find the lowest premiums are with a lesser-known regional company. They may cover specific market segments cheaper compared to the large companies like Allstate and Progressive.

Additional information