View 2001 Ford Escape Car Insurance Quotes

Searching for cheaper insurance rates for your Ford Escape? If price shopping auto insurance quotes online is new to you, it’s easy to be baffled due to the large number local agents and online companies selling insurance.

Pay discount rates these discounts

Buying auto insurance is not cheap, but there could be significant discounts that may help make it more affordable. Many discounts should be triggered at the time you complete a quote, but lesser-known reductions have to be requested specifically prior to getting the savings.

  • Theft Deterent – Cars and trucks equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and that can save you a little bit as well.
  • Responsible Driver Discount – Drivers who don’t get into accidents can pay as much as 50% less on Escape coverage than their less cautious counterparts.
  • ABS Braking Discount – Cars with ABS and/or traction control can reduce accidents and earn discounts up to 10%.
  • Service Members Pay Less – Having an actively deployed family member could mean lower auto insurance rates.
  • Discount for Life Insurance – If the company offers life insurance, you could get a break if you buy some life insurance in addition to your auto policy.
  • Savings for New Vehicles – Insuring a vehicle that is new can get you a discount due to better safety requirements for newer vehicles.

As a footnote on discounts, most discount credits are not given to your bottom line cost. Some only apply to specific coverage prices like liability and collision coverage. Even though the math looks like adding up those discounts means a free policy, it’s just not the way it works.

Larger auto insurance companies and a partial list of their discounts are shown below.

  • GEICO offers discounts including multi-vehicle, federal employee, good student, membership and employees, defensive driver, seat belt use, and multi-policy.
  • USAA may include discounts for new vehicle, safe driver, defensive driver, multi-policy, annual mileage, and military installation.
  • Progressive includes discounts for online quote discount, online signing, multi-vehicle, homeowner, continuous coverage, and good student.
  • American Family offers discounts for Steer into Savings, TimeAway discount, accident-free, mySafetyValet, and multi-vehicle.
  • Esurance discounts include anti-lock brakes, good student, claim free, multi-car, paid-in-full, defensive driver, and DriveSense.
  • Farmers Insurance has savings for bundle discounts, good student, youthful driver, distant student, and pay in full.
  • State Farm policyholders can earn discounts including student away at school, good driver, multiple policy, passive restraint, and Drive Safe & Save.

If you are trying to find cheaper auto insurance quotes, ask every prospective company which discounts they offer. Discounts might not be offered in your state. If you would like to view providers who offer free auto insurance quotes, click this link.

What determines Ford Escape insurance costs?

One of the most helpful ways to save on car insurance is to to have a grasp of the factors that are used to determine the rates you pay for car insurance. If you have a feel for what impacts premium levels, this helps enable you to make changes that may reward you with lower car insurance prices. Many things are taken into consideration when quoting car insurance. Most are fairly basic like your driving record, but other factors are less obvious such as whether you are married and annual miles driven.

The items below are some of the items used by your company to calculate prices.

  • Does car insurance cost less for women? – Statistics have proven that females take fewer risks when driving. However, don’t assume that men are WORSE drivers than women. Females and males are in at-fault accidents at about the same rate, but males tend to have more serious accidents. Not only are claims higher, but men have more aggressive citations like reckless driving and DUI.
  • Better drivers pay lower premiums – Attentive drivers have lower premiums as compared to careless drivers. Getting just one speeding ticket or other violation may cause rates to rise by twenty percent. Drivers who have gotten multiple violations such as reckless driving, hit and run or driving under the influence may be required to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to continue driving.
  • Little extras can really add up – There are many extra bells and whistles you can purchase but may not be useful. Insurance for vanishing deductibles, towing, and membership fees may be wasting your money. These coverages may sound good when buying your policy, but your needs may have changed so remove them and pocket the money.
  • Drive a safer car and pay less – Cars with high safety ratings can get you lower premiums. These vehicles have better occupant injury protection and fewer injuries means less claims paid and lower rates for you.
  • Never let your policy expire – Allowing your coverage to lapse is a guaranteed way to bump up your car insurance costs. Not only will you pay higher rates, being ticketed for driving with no insurance could result in a steep fine or even jail time. You will then be forced to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.

Special considerations

When choosing the best auto insurance coverage, there really is no best way to insure your cars. Every insured’s situation is different.

For instance, these questions can aid in determining whether your personal situation could use an agent’s help.

  • Does my insurance cover a custom paint job?
  • Do I need more liability coverage?
  • Is my dog or cat covered if injured in an accident?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is my state a no-fault state?
  • Can I get a multi-policy discount?
  • Does coverage extend to my business vehicle?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form.

Insurance policy specifics

Knowing the specifics of insurance helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your Ford Escape.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Most of the time these limits are identical to your policy’s liability coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like pain medications, dental work and funeral costs. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Collision coverage

Collision insurance will pay to fix damage to your Escape resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like crashing into a ditch, hitting a mailbox and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Liability coverage

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

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things like attorney fees, structural damage, medical expenses, legal defense fees and emergency aid. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Comprehensive insurance

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like a tree branch falling on your vehicle, damage from flooding and fire damage. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Take this to the bank

We just showed you many ways to get a better price on 2001 Ford Escape insurance. The key thing to remember is the more quotes you get, the better your chances of lowering your rates. You may be surprised to find that the lowest prices come from a small mutual company.

Budget-friendly auto insurance is definitely available from both online companies and from local agencies, so you need to quote auto insurance with both in order to have the best chance of saving money. Some insurance providers may not provide price quotes online and these small insurance companies only sell coverage through independent insurance agencies.

Consumers leave their current company for any number of reasons including unfair underwriting practices, being labeled a high risk driver, policy non-renewal or even denial of a claim. No matter why you want to switch, switching auto insurance companies is actually quite simple.

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