Compare 2015 Ford Escape Insurance Cost

Searching for the cheapest insurance rates for your Ford Escape? Have you had enough of scraping the payment together to pay high insurance rates every month? Your situation is no different than many other drivers.

Lots of insurance companies contend for your business, and because of this it can be hard to compare insurers and uncover the absolute cheapest price

You should make it a habit to do price comparisons as often as possible since prices change regularly. Even if you got the lowest rates on Escape insurance at your last renewal other companies may now be cheaper. Block out anything you think you know about insurance because you’re about to learn how to use online quotes to lower your annual insurance bill.

Cheap auto insurance rates with discounts

Insuring your vehicles can cost a lot, but you might be missing out on some discounts that many people don’t even know exist. Larger premium reductions will be automatically applied at the time of quoting, but a few must be asked for before being credited.

• Waiver for an Accident – This one isn’t a discount, but a handful of insurance companies will let one accident slide before hitting you with a surcharge as long as you don’t have any claims prior to the accident.
• Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can qualify for discounts up to 30%.
• Government Employees – Simply working for the federal government may qualify for a discount when you quote auto insurance on Escape insurance depending on your company.
• Service Members Pay Less – Having a family member in the military could trigger a small discount.
• Distant College Student Discount – Kids who live away from home to go to college and leave their car at home can be insured at a reduced rate.

It’s important to note that most of the big mark downs will not be given to all coverage premiums. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. If you do the math and it seems like you could get a free auto insurance policy, that’s just not realistic.

If you would like to choose from a list of companies that can offer you the previously mentioned discounts, click here.

How to lower your car insurance cost

Comparing car insurance rates can take hours if you don’t utilize the most efficient way. You can waste a lot of time talking to local insurance agents in your area, or you can stay home and use the web for quick rates.

Most car insurance companies take part in a program that enables customers to only type in their quote data once, and each company then returns a price quote. This system prevents you from having to do quote requests to each company. To find out what other companies charge click here to open in new window.

The one disadvantage to doing it this way is that consumers can’t choose which carriers you want to price. So if you prefer to choose specific providers to compare rates, we have assembled a list of companies who write car insurance in your area. Click to view list.

However you get your quotes, try to keep identical coverage limits on every price quote you get. If you have unequal deductibles or liability limits you will not be able to make an equal comparison. Just a small difference in insurance coverages could skew the results. Just keep in mind that comparing a large number of companies helps locate a lower rate.

Tailor your insurance coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is unique and your policy should reflect that. These are some specific questions could help you determine whether or not you might need professional guidance.

• Will my rates increase for filing one claim?
• Can my teen drive my company car?
• Is my dog or cat covered if injured in an accident?
• Do I have coverage if my license is suspended?
• If my 2015 Ford Escape is totaled, can I afford another vehicle?
• Is pleasure use cheaper than using my 2015 Ford Escape to commute?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Auto insurance coverage information

Understanding the coverages of your car insurance policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. These are the normal coverages found on the average car insurance policy.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like doctor visits, nursing services, surgery and chiropractic care. They are used in conjunction with a health insurance plan or if you do not have health coverage. It covers you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Liability car insurance

This coverage provides protection from damages or injuries you inflict on a person or their property in an accident. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things like loss of income, repair costs for stationary objects, court costs, funeral expenses and pain and suffering. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive protection

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like rock chips in glass, hitting a deer, hail damage, damage from getting keyed and damage from a tornado or hurricane. The most your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for collisions

This pays for damage to your Escape resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as driving through your garage door, sideswiping another vehicle, rolling your car, colliding with a tree and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Uninsured or underinsured coverage

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Ford Escape.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Quote more. Save more.

Cheaper 2015 Ford Escape insurance is possible online and from local insurance agents, so get free auto insurance quotes from both of them in order to have the best price selection to choose from. Some insurance companies don’t offer internet price quotes and usually these regional carriers only sell through independent agents.

As you prepare to switch companies, it’s very important that you do not buy poor coverage just to save money. Too many times, drivers have reduced liability limits or collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The proper strategy is to find the BEST coverage at the best price while not skimping on critical coverages.

Additional articles

• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• What Insurance is Cheapest for a Ford Escape in Fresno? (InsureFresno.com)
• What Does No-Fault Insurance Cover? (Allstate)
• Teen Driving Statistics (Geico)
• State Laws for Cellphones and Texting (iihs.org)