2002 Ford Escape Car Insurance Quotes

Searching for better car insurance rates for your Ford Escape? Trying to come up with a payment for high-priced car insurance can deplete your savings account and maybe even restrict other spending. Due to the abundance of companies and agents to choose from, it is very difficult to pick the lowest price car insurance provider.

It is always a good idea to get comparison quotes once or twice a year because car insurance prices change frequently. Even if you got the best quotes on Escape coverage at your last renewal you may be paying too much now. Ignore everything you know about car insurance because we’re going to demonstrate the right way to find the best coverage while lowering your premiums.

This information will let you in on how to get online quotes. If you are paying for car insurance now, you should be able to reduce your rates substantially using this strategy. Drivers just need to know the tricks to get comparison rates online.

Learn how to get auto insurance at a discount

It’s important that you understand the different types of things that play a part in calculating your premiums. If you have some idea of what influences your rates, this helps enable you to make changes that may result in lower premium levels. Lots of factors are used when you get your auto insurance bill. Some factors are common sense such as your driving record, but other criteria are not quite as obvious like where you live or your vehicle rating.

  • How your age affects premiums – Teen drivers are proven to be careless and easily distracted when behind the wheel so auto insurance rates are higher. Mature drivers are shown to be more cautious, cost insurance companies less in claims , and are generally more financially stable.
  • Where you live plays a part – Choosing to live in less populated areas of the country may provide you with better prices if you are looking for the lowest rates. Less people living in that area means reduced accidents in addition to lower liability claims Urban drivers regularly have traffic congestion and higher rates of accident claims. The longer drive time means higher likelihood of an accident.
  • Pay more by driving carelessly – Being a careful driver impacts premiums far more than you think. Even a single moving violation can increase rates to the point where it’s not affordable. Drivers who don’t get tickets get better rates than people who have multiple driving citations. People who have severe citations such as DUI or willful reckless driving may find they need to complete a SR-22 with their state’s department of motor vehicles in order to legally drive.
  • How credit rating affects auto insurance rates – Having a good credit history is likely to be a major factor in calculating your auto insurance rates. Therefore, if your credit can use some improvement, you could save money insuring your 2002 Ford Escape if you improve your credit rating. People that have very good credit scores tend to file fewer claims as compared to drivers with worse credit.
  • Vehicles with better crash test results are cheaper to insure – Vehicles with high crash test scores are cheaper to insure. These vehicles result in less severe injuries and reduced instances of injuries translates into savings for insurance companies and more competitive rates for policyholders.
  • Lower annual miles equals lower premium – The higher the mileage driven in a year’s time the more you’ll pay to insure your vehicle. Most insurance companies price each vehicle’s coverage partially by how you use the vehicle. Autos that sit idle most of the time can be on a lower rate level than vehicles that have high annual mileage. Make sure your vehicle rating shows the correct usage for each vehicle, because it can save money. Incorrect rating for your Escape may be costing you.
  • Single drivers take more risk – Having a significant other may save some money when buying auto insurance. Having a spouse demonstrates that you tend to be more mature than a single person and insurance companies reward insureds because drivers who are married file infrequent claims.

Buy auto insurance online

Reducing your 2002 Ford Escape insurance rates is not a difficult process. You just have to invest a little time comparing rate quotes from online providers. This is very easy and can be done by using one of the methods below.

The easiest and least time consuming way consumers can analyze rates is an all-inclusive rate comparison (click to open form in new window). This form keeps you from doing separate quotation requests for each company you want a rate for. Filling out one form will return price quotes from multiple low-cost companies.

A harder way to obtain and compare quotes online is to manually visit each individual company website and repeat the quote process. For instance, let’s assume you want rates from Liberty Mutual, State Farm and American Family. You would have to visit each site and enter your policy data, which can get old fast. To view a list of companies in your area, click here.

The least efficient way to get comparison rates is driving to different agent offices. Quoting and buying insurance online reduces the need to sit down with an agent unless you want the advice and guidance that can only be provided by a licensed insurance agent. It is possible with some companies get prices online and get advice from an agent in your area.

You can choose any of those ways to find more affodable coverage, but be certain you are entering the exact same coverage limits for every quote you compare. If you compare different deductibles it will be next to impossible to determine the lowest rate for your Ford Escape.

The insurance coverage bait and switch

Consumers can’t escape the ads that claim the cheapest prices from the likes of Progressive, GEICO, Allstate and State Farm. All the ads convey the message about how much you will save just by switching your insurance coverage coverage to their company.

How is it plausible that every one can charge you a lower premium? This is the way they can do it.

Most companies require specific criteria for the type of customer that will generate a profit. For instance, a profitable customer may need to be between 25 and 40, has never had a policy lapse, and does not commute to work. Any driver who matches that profile will qualify for the lowest prices and therefore will save if they switch.

Drivers who fall outside the ideal profile will probably be forced to pay higher premium rates with the end result being business going elsewhere. If you listen closely, the ads state “drivers that switch” not “all people who quote” save money. That’s why insurance companies can make it sound like they have such great premium rates.

Because of the profiling, it’s extremely important to do a quote comparison often. It’s not possible to predict the company that will provide you with the cheapest car insurance rates.

Take advantage of every car insurance discount

Some companies don’t list every possible discount very well, so the list below contains some of the more common in addition to some of the lesser obvious discounts you could be receiving when you buy insurance coverage online.

  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can stop better under adverse conditions so you can save 10 percent or more.
  • Passive Restraints and Air Bags – Factory options such as air bags may qualify for discounts of up to 25% or more.
  • Homeowners Discount – Just being a homeowner can save you money due to the fact that maintaining a home requires personal responsibility.
  • Claim Free – Drivers who stay claim-free can earn big discounts compared to policyholders that have many claims.
  • Cautious Driver Discounts – Drivers without accidents may receive a discount up to 45% on Escape coverage compared to accident prone drivers.
  • Good Student Discount – Maintaining excellent grades can be rewarded with saving of up to 25%. The good student discount can last up to age 25.
  • Senior Citizens – Seniors can get reduced rates on Escape coverage.
  • Anti-theft System – Cars, trucks, and SUVs with anti-theft systems are stolen with less frequency so companies will give you a small discount.

Keep in mind that most discount credits are not given to the entire cost. Most only apply to the cost of specific coverages such as comprehensive or collision. Despite the fact that it seems like having all the discounts means you get insurance for free, you won’t be that lucky.

A partial list of companies that may offer policyholders most of the discounts above include:

Check with all companies you are considering what discounts are available to you. Some credits may not apply in your area. For a list of providers that offer some of these discounts, click here to view.

How to know if you need help

When choosing the best car insurance coverage, there isn’t really a cookie cutter policy. 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 you might need an agent’s assistance.

  • Why am I required to get a high-risk car insurance policy?
  • Am I covered when pulling a rental trailer?
  • How can I get my company to pay me more for my totalled car?
  • Should I put collision coverage on all my vehicles?
  • Will I lose any money if I cancel my policy before it expires?
  • Can I rent a car in Mexico?
  • Should I buy more coverage than the required minimum liability coverage?
  • When can my company non-renew my policy?
  • Am I covered if hit by an uninsured driver?
  • Can I afford low physical damage deductibles?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverage specifics

Having a good grasp of your insurance policy can help you determine appropriate coverage and proper limits and deductibles. Insurance terms can be ambiguous and coverage can change by endorsement. Listed below are typical coverage types found on most insurance policies.

Liability

This coverage can cover damage or injury you incur to other’s property or people. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things like funeral expenses, bail bonds, medical expenses, medical services and emergency aid. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for expenses like prosthetic devices, funeral costs, nursing services and doctor visits. They are often used in conjunction with a health insurance policy or if you do not have health coverage. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Auto collision coverage

Collision insurance pays for damage to your Escape from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as colliding with a tree, hitting a mailbox, hitting a parking meter and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Comprehensive auto coverage

This pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like theft, vandalism, rock chips in glass, hail damage and falling objects. The most your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as damage to your Ford Escape.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these limits are similar to your liability insurance amounts.

Power to the consumer

Cheaper 2002 Ford Escape insurance can be sourced on the web and from local agencies, so you need to quote insurance coverage with both to have the best selection. Some auto insurance companies do not provide internet price quotes and many times these small insurance companies sell through independent agencies.

We just showed you a lot of ways to get a better price on 2002 Ford Escape insurance. The most important thing to understand is the more you quote insurance coverage, the better likelihood of getting inexpensive insurance coverage. Consumers could even find that the best prices are with a small mutual company. Some small companies may cover specific market segments cheaper as compared to the big name companies such as Progressive and GEICO.

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