2013 Ford Escape Insurance Quotes – 7 Tricks for Cheaper Rates

Tired of robbing Peter to pay Paul to pay your car insurance bill each month? You’re in the same situation as many other drivers.

Because there are so many choices, it can be challenging to find the most affordable insurance company.

Consumers need to compare rates on a regular basis because rates trend upward over time. Just because you found the best deal on Escape insurance a year ago there may be better deals available now. So just forget all the misinformation about insurance coverage because you’re going to learn the right way to find better rates and still maintain coverage.

Don’t miss these seven discounts

Car insurance can cost a lot, but there could be available discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you get a quote, but some must be specially asked for before they will apply.

  • Multiple Vehicles – Buying coverage for multiple vehicles on the same insurance coverage policy could earn a price break for each car.
  • Government Employees – Active or retired federal employment can save as much as 8% on Escape insurance with certain companies.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
  • Theft Prevention System – Cars that have factory anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Braking Control Discount – Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
  • Discount for New Cars – Putting insurance coverage on a new car can cost up to 25% less compared to insuring an older model.
  • Discount for Good Grades – A discount for being a good student can earn a discount of 20% or more. The discount lasts up to age 25.

Consumers should know that most discount credits are not given to the entire cost. Some only apply to the cost of specific coverages such as medical payments or collision. So even though it sounds like it’s possible to get free car insurance, insurance coverage companies aren’t that generous. Any amount of discount will bring down the amount you have to pay.

For a list of providers who offer insurance coverage discounts, click here to view.

Compare Quotes for Auto Insurance

When shopping for auto insurance there are multiple ways to compare rate quotes from local auto insurance companies. The easiest way by far to find the cheapest 2013 Ford Escape insurance rates is simply to get online rate quotes. This is very easy and can be done using a couple different methods.

The single most time-saving way to get quotes would be an industry-wide quote request form (click to open form in new window). This method saves time by eliminating separate quotes for each company. One form gets rate comparisons from all major companies.

A less efficient way to obtain and compare quotes online requires a trip to each company’s website to request a price quote. For examples sake, let’s say you want rates from Nationwide, GEICO and Travelers. To get rate quotes you would need to take the time to go to each site and enter your policy data, which is why most consumers use the first method. For a list of links to companies insuring cars in your area, click here.

Whichever method you choose, make sure you use exactly the same coverage limits and deductibles on every quote you get. If you are comparing different liability limits then you won’t be able to determine the best price for your Ford Escape. Having just a slight variation in coverages can mean a large discrepancy in price. And when comparing auto insurance rates, know that comparing a large number of companies will improve the odds of getting a lower rate.

When might I need help?

When buying adequate coverage, there really is no “best” method to buy coverage. Each situation is unique and a cookie cutter policy won’t apply. For instance, these questions may help you determine if your insurance needs might need professional guidance.

  • How much can I save by bundling my policies?
  • What is no-fault insurance?
  • Does insurance cover tools stolen from my truck?
  • Is my Ford Escape covered if I use it for business?
  • Can I afford to buy a different vehicle if my 2013 Ford Escape is totaled?
  • What vehicles should carry emergency assistance coverage?
  • Why does it cost so much to insure a teen driver?
  • Is motorclub coverage worth it?
  • Can my teen driver be rated on a liability-only vehicle?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Auto insurance coverage specifics

Learning about specific coverages of auto insurance aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Shown next are the usual coverages offered by auto insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your 2013 Ford Escape.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Normally these coverages are similar to your liability insurance amounts.

Auto liability

Liability coverage can cover damage or injury you incur to a person or their property by causing an accident. It protects YOU against other people’s claims, and 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. As an example, you may have policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like structural damage, loss of income, repair bills for other people’s vehicles and emergency aid. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Auto collision coverage

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

Collision coverage protects against claims such as damaging your car on a curb, driving through your garage door, crashing into a building and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from getting keyed, damage from flooding and damage from a tornado or hurricane. The maximum payout your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for immediate expenses like surgery, X-ray expenses, dental work and pain medications. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Don’t be a big spender

We’ve covered a lot of techniques to shop for 2013 Ford Escape insurance online. The key concept to understand is the more quotes you get, the better your comparison will be. You may even find the biggest savings come from a smaller regional carrier. These companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate and Progressive.

As you restructure your insurance plan, never buy less coverage just to save a little money. In too many instances, an insured cut collision coverage only to regret that it was a big mistake. The aim is to purchase plenty of coverage at the best price, not the least amount of coverage.

Lower-priced insurance can be bought both online as well as from independent agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some auto insurance companies don’t offer online quoting and many times these small, regional companies only sell through independent insurance agents.

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