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.
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.
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.
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.
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.
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.
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.
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.
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.
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 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 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.
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.
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
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.