Compare 2014 Ford Escape Insurance Rates

Want lower insurance rates for your Ford Escape? Feel like you’re a prisoner to high-priced insurance? Believe me when I say many consumers feel financially strained by their insurance policy. Lots of car insurance companies contend for your insurance dollar, and it can be difficult to compare rates to find the lowest cost out there.

It’s smart to do rate comparisons on a regular basis due to the fact that insurance rates trend upward over time. Just because you found the best price for Escape coverage a year ago there is a good chance you can find better rates now. Starting right now, ignore everything you know about insurance because it’s time to teach you the easiest way to find better rates and still maintain coverage.

Free Quotes for Insurance Coverage

There are multiple methods to compare 2014 Ford Escape insurance coverage quotes, but there is one way that is more efficient than others. You can waste a lot of time driving to insurance companies in your area, or you can stay home and use online quotes to get pricing more quickly.

The majority of car insurance companies belong to a marketplace where prospective buyers enter their policy data once, and every company then gives them pricing for coverage. This saves time by eliminating quote forms for every insurance coverage company.

To access this free quoting program, click here (opens in new window).

The single downside to using this type of form is buyers cannot specifically choose which insurance companies you will receive quotes from. So if you want to select specific providers to request quotes from, we put together a list of insurance coverage companies in your area. Click to view list.

Whichever method you choose, make darn sure you compare exactly the same coverage limits for each comparison quote. If you enter different values for each quote you will not be able to find the best deal for your Ford Escape.

Don’t miss out on these money-saving discounts

Car insurance can cost a lot, but you may find discounts to help offset the cost. Certain discounts will be applied when you complete an application, but some must be specifically requested in order for you to get them. If you aren’t receiving every discount available, you’re just leaving money on the table.

  • Senior Citizens – If you’re over the age of 55, you may be able to get better auto insurance rates for Escape coverage.
  • Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less for Escape coverage than less cautious drivers.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts can qualify for discounts of 20% or more.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
  • Student in College – Any of your kids who attend school more than 100 miles from home and do not have a car may qualify for this discount.

It’s important to understand that most discounts do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like comprehensive or collision. So when it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way. But all discounts will help reduce the amount you have to pay.

Car insurance companies that possibly offer these money-saving discounts are:

Before buying, ask each company how you can save money. All car insurance discounts may not be available everywhere.

Do I need special coverages?

When it comes to choosing coverage, there is no cookie cutter policy. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that could help you determine whether you will benefit from professional help.

  • Can my teen driver be rated on a liability-only vehicle?
  • Does coverage extend to a rental car in a foreign country?
  • Do I have coverage for damage caused while driving under the influence?
  • Do I need added coverage for expensive stereo equipment?
  • How can I get high-risk coverage after a DUI?
  • Do I need to file an SR-22 for a DUI in my state?

If you’re not sure about those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Parts of the Ford Escape rate equation

An important part of buying insurance is that you know the rating factors that go into determining insurance rates. Having a good understanding of what impacts premium levels helps enable you to make changes that may reward you with lower insurance prices.

Listed below are a few of the “ingredients” that factor into rates.

  • Policy add-ons can waste money – There are a lot of extra bells and whistles you can purchase on your Escape policy. Things like roadside assistance, better glass coverage and motor club memberships are examples of these. They may seem good at first, but if you don’t need them remove them from your policy.
  • Traffic citations inflate rates – Just one ticket can bump up the cost twenty percent or more. Drivers who don’t get tickets receive lower rates than their less careful counterparts. Drivers who have dangerous citations such as DUI or reckless driving may need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to prevent a license revocation.
  • Your stress level may be raising your rates – Did you know your insurance rates can be affected by your occupation? Jobs such as real estate brokers, business owners and financial analysts tend to have higher average rates because of high stress and lots of time spent at work. Conversely, professions such as scientists, engineers and performers receive lower rates for Escape coverage.
  • Older drivers save more – Older insureds are more responsible, tend to cause fewer accidents and get fewer tickets. Teenage drivers are known to be careless and easily distracted when behind the wheel therefore insurance rates are much higher.
  • Where do you drive? – The more miles you rack up on your Ford in a year’s time the more you’ll pay to insure your vehicle. The majority of insurers rate vehicles based on their usage. Cars and trucks used primarily for pleasure use can get a lower rate than vehicles that are driven to work every day. Double check that your insurance policy is showing how each vehicle is driven, because it can save money. Incorrect usage on your Escape may be costing you.
  • Where you reside plays a part – Residing in less populated areas has it’s advantages when it comes to insurance. Fewer drivers translates into fewer accidents as well as less vandalism and auto theft. City drivers have to deal with congested traffic and a longer drive to work. More time on the road means higher likelihood of an accident.
  • Allowing your policy to lapse raises rates – Driving your car without having proper coverage can get your license suspended and you will pay a penalty because you let your insurance lapse. And not only will insurance be more expensive, but not being able to provide proof of insurance can result in a steep fine or even jail time.

Slick advertising tricks that work

Consumers can’t ignore all the ads that promise big savings from companies such as State Farm, Allstate and GEICO. All the companies make an identical promise of big savings if you switch your policy.

How does each company claim to save you money?

Different companies can use profiling for the driver that makes them money. A good example of a desirable insured could possibly be between the ages of 30 and 50, is a homeowner, and has a high credit rating. Any new insured that hits that “sweet spot” will qualify for the lowest rates and as a result will probably save quite a bit of money when switching.

Consumers who are not a match for the requirements will have to pay higher prices which leads to business not being written. The ads say “customers who switch” not “people who quote” save that kind of money. That is how companies can truthfully claim big savings.

Because of the profiling, it’s extremely important to get as many comparisons as possible. It’s not possible to predict the company that will have the lowest Ford Escape insurance rates.

Insurance coverages and their meanings

Learning about specific coverages of your policy aids in choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find the usual coverages found on the average insurance policy.

Collision coverage protection

This pays for damage to your Escape resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like crashing into a ditch, hitting a parking meter, crashing into a building, colliding with another moving vehicle and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive coverages

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as vandalism, hail damage, a broken windshield and damage from getting keyed. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for hospital visits, prosthetic devices, X-ray expenses, doctor visits and chiropractic care. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

Liability insurance will cover damage or injury you incur to a person or their property that is your fault. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Occasionally you may see one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like pain and suffering, court costs, repair bills for other people’s vehicles and emergency aid. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Be a money saver!

We’ve covered many ideas to compare 2014 Ford Escape insurance prices online. It’s most important to understand that the more you quote, the better chance you’ll have of finding lower rates. You may be surprised to find that the biggest savings come from a smaller regional carrier. They often have lower prices on specific markets compared to the large companies like Allstate, GEICO and Progressive.

Cheaper insurance can be found from both online companies and with local insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some companies do not offer online quoting and usually these small insurance companies provide coverage only through local independent agents.

While you’re price shopping online, never reduce needed coverages to save money. There have been many cases where someone sacrificed comprehensive coverage or liability limits only to find out that the small savings ended up costing them much more. Your aim should be to purchase a proper amount of coverage at a price you can afford while still protecting your assets.

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