2011 Ford Escape Insurance Rates – 10 Ways to Save

Searching for cheaper car insurance rates for your Ford Escape? I can’t think of anyone who likes paying for car insurance, in particular when the price is too high.

Consumers have many car insurance companies to pick from, and though it is a good thing to have a choice, it makes it harder to compare rates.

Finding Car Insurance Deals

All the larger car insurance companies quote prices for coverage on the web. Getting online rates is fairly simple as you simply enter the coverage amounts you desire into the quote form. After you submit the form the company’s rating system requests your driving record and credit report and quotes a price. This makes comparing rates easy, but the work required to visit each company’s website and repetitively fill out multiple forms is monotonous and tiresome. But it’s absolutely necessary to get many rate quotes in order to get the lowest possible prices on car insurance.

The preferred way to find better car insurance pricing makes use of a single form that obtains quotes from a bunch of companies at once. It saves time, reduces the work, and makes comparison shopping a little more enjoyable. Once the form is submitted, it is quoted and you can select any one of the returned quotes.

If the quotes result in lower rates, you can click and sign and buy the policy. This process takes just a few minutes to complete and could lower your rates considerably.

To compare rates now, click here and enter your information. If you have a policy now, it’s recommended you copy the coverage information exactly as shown on your declarations page. This guarantees you will have a fair comparison based on similar coverages.

Pay less for Ford Escape insurance

Car insurance can cost a lot, but there could be available discounts to help offset the cost. Some discounts apply automatically when you quote, but some must be manually applied before you get the savings.

  • More Vehicles More Savings – Having multiple cars or trucks on one policy can get a discount on all vehicles.
  • Federal Government Employee – Simply working for the federal government can save as much as 8% on Escape insurance depending on your company.
  • Paperless Signup – A few companies will give a small break for buying your policy digitally online.
  • Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. This discount can apply until age 25.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less on Escape insurance than their less cautious counterparts.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
  • Drivers Ed for Students – Have your child successfully complete driver’s ed class in high school.
  • Braking Control Discount – Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
  • Discount for Swiching Early – A few companies offer discounts for signing up prior to your current policy expiring. The savings is around 10%.
  • Auto/Life Discount – Companies who offer life insurance give lower rates if you buy a life insurance policy as well.

It’s important to understand that most discounts do not apply to your bottom line cost. Most cut individual premiums such as collision or personal injury protection. So despite the fact that it appears all those discounts means the company will pay you, companies wouldn’t make money that way. Any amount of discount will help reduce your overall premium however.

A partial list of companies that may have some of the above discounts include:

Check with each company how you can save money. Discounts may not be available in every state.

Tailor your coverage to you

When buying adequate coverage for your vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions may help highlight if your insurance needs would benefit from an agent’s advice.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Why am I required to buy liability insurance?
  • Who is covered by my policy?
  • Why do I only qualify for high-risk insurance?
  • Am I covered when driving someone else’s vehicle?
  • Is my teenager covered with friends in the car?
  • How can I get my company to pay me more for my totalled car?
  • Can I rate high risk drivers on liability-only vehicles?
  • Are my friends covered when driving my car?

If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Is there truth in advertising?

Companies like State Farm, Allstate and GEICO consistently run television and radio advertisements. All the ads have a common claim that you’ll save big if you change to them. How does each company make almost identical claims?

All companies can use profiling for the right customer that is profitable for them. For instance, a profitable customer might be between 30 and 50, has no driving citations, and has a high credit rating. A customer getting a price quote that hits that “sweet spot” is entitled to the best price and is almost guaranteed to cut their rates substantially.

Potential customers who are not a match for the “perfect” profile must pay a higher premium and this can result in business going elsewhere. The ad wording is “customers who switch” not “people who quote” save money. This is how companies can claim big savings.

This illustrates why drivers must get as many quotes as possible. It is impossible to predict which company will have the lowest Ford Escape insurance rates.

Detailed coverages of your car insurance policy

Knowing the specifics of a car insurance policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement. Listed below are typical coverages offered by car insurance companies.

Medical costs insurance – Med pay and PIP coverage reimburse you for expenses such as surgery, pain medications and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

UM/UIM Coverage – This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers 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 coverage protects against things such as hitting a bird, a tree branch falling on your vehicle and hail damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage – Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as crashing into a building, rolling your car, driving through your garage door and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Auto liability – This coverage will cover damages or injuries you inflict on a person or their property. This coverage protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as repair bills for other people’s vehicles, medical expenses, funeral expenses, bail bonds and attorney fees. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

In the end, you save

Affordable 2011 Ford Escape insurance can be sourced on the web in addition to many insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies do not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.

Throughout this article, we presented some good ideas how you can shop for insurance online. It’s most important to understand that the more companies you get rates for, the better likelihood of reducing your rate. You may be surprised to find that the best prices are with the least-expected company. Smaller companies can often provide lower rates in certain areas as compared to the big name companies such as GEICO and State Farm.

When shopping online for auto insurance, you should never sacrifice coverage to reduce premiums. In many cases, an insured cut collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy enough coverage at the best price while not skimping on critical coverages.

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