Cheaper 2010 Ford Escape Hybrid Insurance Quotes

Searching for lower insurance rates for your Ford Escape Hybrid? Feel like you have high-priced insurance? You’re preaching to the choir because many drivers feel the same as you. Many car insurance companies vie for your hard-earned dollar, and it can be difficult to compare rates to find the best rates possible.

Consumers need to compare premium rates before your policy renews because prices fluctuate regularly. Even if you think you had the best rates on Escape Hybrid coverage a year ago a different company probably has better premium rates today. Forget anything you know (or think you know) about insurance because you’re about to learn how to use online quotes to remove unneeded coverages and save money.

Don’t miss these money-saving discounts

Insurance is not inexpensive, but discounts can save money and there are some available to help offset the cost. Certain reductions will be credited at the time you complete a quote, but a few must be manually applied before being credited.

• New Car Discount – Insuring a vehicle that is new may earn a small discount since new vehicles are generally safer.
• Student Discount for Driver Training – It’s a good idea to have your young drivers sucessfully take a drivers education course as it can save substantially.
• Pay Upfront and Save – If you can afford to pay the entire bill instead of monthly or quarterly installments you may reduce your total bill.
• No Accidents – Insureds who avoid accidents and claims pay much less as compared to bad drivers.
• Safe Driver Discount – Drivers who don’t get into accidents may save up to 50% more on Escape Hybrid coverage as compared to drivers with claims.

As a disclaimer on discounts, most credits do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it appears it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

Companies that possibly offer some of the above discounts possibly include:

• State Farm
• American Family
• Geico
• 21st Century
• Progressive

Before buying, ask each company to give you their best rates. All car insurance discounts may not be offered in every state. To find insurance companies that can offer you the previously mentioned discounts, click this link.

How to compare free insurance coverage quotes

Getting a cheaper price on 2010 Ford Escape Hybrid insurance isn’t really that difficult. Consumers just need to spend a little time comparing price quotes to see which company has affordable auto insurance quotes. Comparing prices online can be done by following the guidelines below.

• The fastest and easiest way to compare a lot of rates at once is an all-inclusive rate comparison click to view form in new window. This type of form keeps you from doing multiple quote forms to each individual insurance coverage company. One simple form gets rate comparisons from multiple companies.
• Another way to compare rate quotes is to manually visit each individual company website and repeat the quote process. For instance, we’ll assume you need rates from Farmers, Safeco and Liberty Mutual. You would be required to take the time to go to each site to input your insurance information, which is why the first method is more popular.

  For a handy list of car insurance company links in your area, click here.

• The hardest method to compare price quotes is actually driving to local insurance agencies. Comparing rates online makes this process obsolete unless your situation requires the professional abilities that only a licensed agent can provide. It is possible with some companies find lower rates online but have your policy serviced through an agent.

Whichever way you use, double check that you are using nearly identical coverage limits for every quote you compare. If each company quotes different liability limits it’s impossible to make a fair comparison for your Ford Escape Hybrid.

Eight things that impact your insurance rates

Part of the auto insurance buying process is learning the different types of things that help calculate the rates you pay for auto insurance. If you have some idea of what determines premiums, this helps enable you to make changes that could help you find lower rates.

• Annual miles is a factor – The more you drive each year the more you’ll pay to insure your vehicle. A lot of insurance companies calculate rates based upon how you use the vehicle. Cars and trucks that are left in the garage can be on a lower rate level than those used for commuting. Improper usage on your Escape Hybrid may be costing you higher rates. Double check that your auto insurance policy correctly shows the correct driver usage, because it can save money.
• High credit rating translates to low rates – Having a bad credit score factor in calculating your premium rate. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers with poor credit. If your credit leaves room for improvement, you could be paying less to insure your 2010 Ford Escape Hybrid by spending a little time repairing your credit.
• Premiums are high for teenagers – Beginning drivers are known to get distracted easily when at the wheel of a vehicle and because of this, their auto insurance rates are much higher. Adding a inexperienced driver onto a policy will cause a huge premium hike. Mature drivers have been proven to be more responsible, file fewer claims and are safer drivers.
• Is car insurance cheaper for males or females? – Statistics demonstrate that men are more aggressive behind the wheel. The data does not necessarily mean that females are better at driving than males. Both genders are responsible for at-fault accidents at about the same rate, but the male of the species get into accidents with more damage. Not only are claims higher, but men get ticketed for serious violations like DWI (DUI) or reckless driving.
• Your spouse saves you money – Getting married can get you a discount on your policy. Having a spouse demonstrates that you tend to be more responsible and it’s proven that married drivers tend to have fewer serious accidents.
• Accidents inflate costs – Your driving record has a big impact on rates. Just one chargable violation may cause rates to rise forty percent or more. Drivers with clean records tend to pay less for car insurance as compared to careless drivers. Drivers with multiple tickets such as reckless driving, hit and run or driving under the influence may face state-mandated requirements to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to legally drive a vehicle.
• Raise coverage deductibles and save – The deductibles you choose are how much you are willing to pay in the event of a claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some coverage claims are rearending another vehicle, damage caused by hail, and having a roll-over accident. The larger the amount you’re willing to pay, the lower your rates will be on Escape Hybrid coverage.
• Know your vehicle’s safety rating – Vehicles with good safety scores are cheaper to insure. These vehicles help reduce the chance of injuries in an accident and better occupant protection means your insurance company pays less and thus lower rates.

Do I need special coverages?

When buying coverage, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that may help you determine whether your personal situation would benefit from professional advice.

• What is the ISO rating for a 2010 Ford Escape Hybrid?
• Does my personal policy cover me when driving out-of-state?
• How do I buy GAP insurance?
• What should my uninsured motorist coverage limits be in my state?
• Will filing a claim cost me more?
• Am I covered when driving a rental car?
• How many claims can I have before being cancelled?

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 an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

But the ad said I’d save 15% in 15 minutes!

Consumers can’t ignore all the ads that promise big savings for switching from companies such as State Farm, Allstate and Geico. All the companies try to convey promises of big savings if you just switch your insurance coverage to their company.

But how can every company have lower policy pricing? Just pay attention to how they say it.

All the different companies have strict underwriting profiles for the type of customer that will be a good risk. An example of a desirable insured might have to be between 30 and 50, has no claims, and has a short commute. A propective insured that matches those criteria will probably get the lowest premium rates and is almost guaranteed to save when switching.

Potential insureds who do not fit these standards may be forced to pay a higher rate and this can result in the customer not buying. The ads say “customers that switch” not “everyone who quotes” save money. That is how insurance companies can confidently make those statements. Because of the profiling, drivers must get as many free auto insurance quotes as possible. It’s just not possible to know which company will be your best fit.

Car insurance coverage information

Learning about specific coverages of a insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages available from insurance companies.

Liability car insurance

Liability coverage protects you from damage that occurs to people or other property. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims such as pain and suffering, medical services, structural damage, medical expenses and bail bonds. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Comprehensive (Other than Collision)

This pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hail damage, falling objects, damage from flooding, rock chips in glass and damage from a tornado or hurricane. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

This provides protection when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your 2010 Ford Escape Hybrid.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Medical expense insurance

Med pay and PIP coverage pay for immediate expenses for funeral costs, pain medications, doctor visits and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

Collision insurance will pay to fix damage to your Escape Hybrid resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like sustaining damage from a pot hole, driving through your garage door, crashing into a building, hitting a mailbox and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Compare but don’t skimp

We covered quite a bit of information on how to reduce 2010 Ford Escape Hybrid insurance car insurance rates online. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the best car insurance rates are with the smaller companies. Some small companies may cover specific market segments cheaper than their larger competitors like Progressive and Geico.

There are still a few companies who don’t offer online price quotes and most of the time these regional insurance providers only sell coverage through independent agents. Affordable 2010 Ford Escape Hybrid insurance is possible online and from local agencies, and you should compare rates from both to have the best chance of lowering rates.

When buying insurance coverage, you should never sacrifice coverage to reduce premiums. There have been many situations where an insured dropped liability limits or collision coverage and found out when filing a claim they didn’t purchase enough coverage. Your objective should be to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

Additional articles

• Where can I buy Insurance? (Insurance Information Insitute)
• Property Damage Coverage (Liberty Mutual)
• Alcohol Impaired Driving FAQ (iihs.org)
• All About Airbag Safety (State Farm)
• Safe Vehicles for Teens (iihs.org)