How Much Does 2006 Ford Escape Hybrid Insurance Cost?

Want the cheapest car insurance rates for your Ford Escape Hybrid? Finding better rates for car insurance can seem to be a challenge for consumers not familiar with buying insurance online. Drivers have so many options available that it can easily become more work than you anticipated to compare prices.

It’s a great practice to take a look at other company’s rates once or twice a year because insurance rates go up and down regularly. Despite the fact that you may have had the best price on Escape Hybrid coverage a few years ago there may be better deals available now. There is a lot of wrong information about car insurance on the internet, so with this article, you’re going to get some excellent ideas to slash your car insurance rates.

If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using this strategy. This information will let you in on the best way to quote coverages. But consumers must understand how big insurance companies price online insurance and take advantage of how the system works.

Why your Ford Escape Hybrid insurance rates may be high

Consumers need to have an understanding of some of the elements that help determine the price you pay for car insurance. Understanding what impacts premium levels helps enable you to make changes that can help you get big savings.

The following are a few of the “ingredients” that factor into your rates.

  • Traffic violations increase rates – Only having one moving violation can boost insurance rates twenty percent or more. Careful drivers get better rates than their less careful counterparts. Drivers with dangerous tickets like reckless driving, hit and run or driving under the influence are required to file a SR-22 with the DMV in their state in order to prevent a license revocation.
  • Discounts for multiple policies – Some insurance companies provide better rates to people who buy several policies from them. It’s known as a multi-policy discount. Discounts can add up to 10 percent or more. If you currently are using one company, it’s in your best interest to compare other company rates to verify if the discount is saving money.
  • Battle of the sexes – Statistics have proven that women are safer drivers than men. However, this does not mean men are worse drivers. They both tend to get into accidents in similar percentages, but men have costlier accidents. Men also get more serious tickets such as reckless driving. Male drivers age 16 to 19 are the most expensive to insure and therefore are the most expensive to insure.
  • Poor credit can mean higher rates – Having a bad credit rating is a important factor in your rate calculation. Consumers who have high credit ratings tend to be less risk to insure than those with lower ratings. Therefore, if your credit score can use some improvement, you could save money insuring your 2006 Ford Escape Hybrid by repairing your credit.
  • Save money with special equipment – Purchasing a vehicle with an alarm system can get you a discount on your car insurance. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping car theft.

Don’t miss these discounts

Companies that sell car insurance don’t always list every discount very well, so we researched both well-publicized and the more hidden insurance savings.

  • Defensive Driving Course – Completing a driver safety course could possibly earn you a 5% discount depending on where you live.
  • 55 and Retired – If you qualify as a senior citizen, you may be able to get a small decrease in premiums on Escape Hybrid coverage.
  • Life Insurance Discount – Select insurance companies reward you with better rates if you take out life insurance.
  • Passive Restraints and Air Bags – Factory air bags or motorized seat belts may earn rate discounts of up to 25% or more.
  • Club Memberships – Being a member of a qualifying organization is a good way to get lower rates when buying insurance on Escape Hybrid coverage.
  • Homeowners Discount – Being a homeowner may trigger a insurance policy discount because owning a home shows financial diligence.
  • Distant Student – Youth drivers living away from home attending college and don’t have a car may qualify for this discount.
  • Federal Employees – Simply working for the federal government may qualify you for a discount on Escape Hybrid coverage with a few insurance companies.
  • Military Rewards – Having a deployed family member can result in better rates.

Keep in mind that most discounts do not apply to all coverage premiums. The majority will only reduce individual premiums such as liability, collision or medical payments. So when the math indicates you would end up receiving a 100% discount, it doesn’t quite work that way.

Companies who might offer these money-saving discounts include:

Before buying, ask all companies you are considering which discounts they offer. Some discounts may not be available everywhere.

When might I need help?

When it comes to choosing proper insurance coverage, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For instance, these questions might point out if you would benefit from an agent’s advice.

  • Am I covered if I wreck a rental car?
  • Should I buy only the required minimum liability coverage?
  • Am I covered when delivering products for my home-based business?
  • What is roadside assistance coverage?
  • How much liability coverage do I need in my state?
  • Does liability extend to a camper or trailer?
  • Are split liability limits better than a combined single limit?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.

Insurance coverages 101

Understanding the coverages of your policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Liability insurance

This will cover damage or injury you incur to a person or their property in an accident. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims like legal defense fees, attorney fees and loss of income. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Ford Escape Hybrid.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as rolling your car, colliding with a tree and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Comprehensive insurance

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, a broken windshield, rock chips in glass, theft and hitting a bird. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for expenses for prosthetic devices, dental work, EMT expenses and surgery. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Find Good Coverage for Less

As you restructure your insurance plan, don’t be tempted to skimp on critical coverages to save a buck or two. In many instances, an insured dropped physical damage coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your focus should be to get the best coverage possible at a price you can afford, not the least amount of coverage.

People who switch companies do it for a number of reasons such as policy cancellation, lack of trust in their agent, high prices and not issuing a premium refund. Regardless of your reason for switching companies, finding a new company can be easier than you think.

We’ve covered a lot of tips how to compare 2006 Ford Escape Hybrid insurance prices online. It’s most important to understand that the more rate quotes you have, the better your comparison will be. You may even discover the biggest savings come from some of the smallest insurance companies.

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