Cheap 2017 Ford Escape Insurance Quotes

Trying to find the cheapest car insurance rates for your Ford Escape? Saving money on car insurance can be nearly impossible for consumers not familiar with comparison shopping online. There are so many companies to choose from that it can be a challenge to locate the lowest price.

Finding the best rates is not that difficult. Essentially every driver who carries car insurance will be able to find lower rates. Although drivers should learn how companies sell insurance online.

Verify you’re getting all your discounts

Companies offering auto insurance do not advertise all available discounts very clearly, so the following is a list of both well-publicized and the more hidden insurance savings.

  • Use Seat Belts – Buckling up and requiring all passengers to use their safety belts can save up to 15% off your medical payments premium.
  • Resident Student – Kids in college who are attending college without a vehicle on campus can be insured at a reduced rate.
  • Organization Discounts – Affiliation with a civic or occupational organization could qualify you for a break on insurance on Escape coverage.
  • Auto/Life Discount – Select insurance companies reward you with lower rates if you buy auto and life insurance together.
  • Government Employees – Active or retired federal employment could cut as much as 10% off on Escape coverage with select insurance companies.
  • Multi-car Discount – Having more than one vehicle on the same insurance policy qualifies for this discount.
  • Drive Safe and Save – Insureds without accidents may receive a discount up to 45% less on Escape coverage than their less cautious counterparts.
  • E-sign – Certain companies will discount your bill up to fifty bucks simply for signing digitally online.
  • Auto/Home Discount – When you combine your home and auto insurance with one insurance company you could get a discount of 10% to 20% off each policy.

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. A few only apply to specific coverage prices like medical payments or collision. Just because it seems like you would end up receiving a 100% discount, insurance companies aren’t that generous.

Insurance companies that may offer these money-saving discounts may include but are not limited to:

It’s a good idea to ask each insurance company what discounts are available to you. Some discounts may not apply in your area.

Compare the Market for Insurance

To find the best insurance prices, there are several ways to compare rate quotes from insurance companies in your area. The easiest way by far to find the lowest 2017 Ford Escape rates is to perform an online rate comparison. This can be done in several different ways.

One of the best ways consumers can make multiple comparisons is a comparison rater form like this one (opens in new window). This type of form saves time by eliminating repetitive form entry for every insurance company. A single, simple form will get you price quotes direct from many companies. It’s definitely the quickest method.

A harder way to shop for insurance online requires visiting the website of each company and complete a new quote form. For instance, we’ll assume you want to compare Liberty Mutual, GEICO and State Farm. To find out each rate you need to visit each site to enter your coverage information, which is why the first method is more popular.

For a list of links to insurance companies in your area, click here.

The least recommended method of getting rate comparisons is to drive around to insurance agents’ offices. Shopping for insurance online makes this process obsolete unless you have a need for the professional advice that only a license agent can provide. You can, however, comparison shop your insurance online but still have the advice of a local agent and we’ll touch on that later.

It doesn’t matter which method you choose, just compare apples-to-apples quote information with each company. If the quotes have different liability limits then you won’t be able to determine the best price for your Ford Escape. Slightly different insurance coverages may result in large price differences. Just keep in mind that more quotes will enable you to find lower pricing.

Why you might be paying too much to insure your Ford Escape

Consumers need to have an understanding of the factors that help determine the rates you pay for insurance coverage. When you know what positively or negatively controls the rates you pay helps enable you to make changes that will entitle you to much lower annual insurance costs.

  • Poor credit can mean higher rates – Credit rating is a important factor in calculating your insurance coverage rates. Drivers with good credit tend to file fewer claims and have better driving records than drivers who have lower credit ratings. If your credit can use some improvement, you could be paying less to insure your 2017 Ford Escape by improving your credit score.
  • Women pay lower rates – Statistics have proven women tend to be less risk to insure than men. However, don’t assume that women are better drivers. They both cause accidents in similar numbers, but the male of the species cause more damage and cost insurance companies more money. Men also tend to receive more costly citations like reckless driving and DUI.
  • Add-on coverages can add up – There are a lot of extra coverages you can purchase on your Escape policy. Coverages like personal injury protection, better glass coverage and additional equipment coverage are some examples. These may sound like a good investment when you first buy your policy, but now you might not need them so get rid of them and save.
  • No coverage gaps is important – Not having insurance can get your license suspended and as a result your rates will increase for letting your coverage lapse. Not only will you pay more, but not being able to provide proof of insurance might get you a revoked license or a big fine.You may have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • Multiple policies with one company can save – Some insurers will award you with lower prices to policyholders who carry more than one policy such as combining an auto and homeowners policy. This can amount to five, ten or even twenty percent. Even with this discount, you still need to comparison shop to ensure the best deal.
  • A clean driving record saves money – Even one speeding ticket can bump up the cost by twenty percent. Drivers who don’t get tickets receive lower rates than bad drivers. If you have serious violations such as DUI or reckless driving may find they need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to continue driving.

When should I talk to an agent?

When it comes to choosing the best car insurance coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s situation is unique.

For example, these questions may help you determine if your situation will benefit from professional help.

  • Are rock chip repairs covered?
  • Will filing a claim cost me more?
  • Do I need an umbrella policy?
  • How many claims can I have before being cancelled?
  • What exactly is covered by my policy?
  • Does my liability insurance cover pulling a trailer or camper?
  • Can I afford to pay high deductible claims out of pocket?
  • How can I find cheaper teen driver insurance?
  • What companies insure drivers after a DUI or DWI?
  • Does medical payments coverage apply to all occupants?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form.

Specifics of your insurance policy

Learning about specific coverages of insurance helps when choosing the right coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like rock chips in glass, hail damage and hitting a bird. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage

Collision coverage covers damage to your Escape from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like crashing into a ditch, damaging your car on a curb, sustaining damage from a pot hole, sideswiping another vehicle and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for expenses like dental work, nursing services, funeral costs and chiropractic care. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Auto liability

This protects you from injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU against other people’s claims. Liability 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. You might see liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims such as bail bonds, repair bills for other people’s vehicles, funeral expenses, loss of income and attorney fees. How much coverage you buy is your choice, but buy as large an amount as possible.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Shop around and save

Drivers who switch companies do it for any number of reasons including policy cancellation, high rates after DUI convictions, not issuing a premium refund or policy non-renewal. It doesn’t matter what your reason, choosing a new company can be pretty painless.

When trying to cut insurance costs, make sure you don’t sacrifice coverage to reduce premiums. There are too many instances where an insured dropped full coverage only to discover later that the savings was not a smart move. Your aim should be to buy a smart amount of coverage at a price you can afford while still protecting your assets.

Cost effective 2017 Ford Escape insurance can be sourced online and also from your neighborhood agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies may not provide you the ability to get quotes online and these small insurance companies work with independent agents.

Even more information is located at these sites: