2003 Ford Escape Car Insurance Quotes – 10 Tips for Best Rates

Drivers have many options when trying to find the lowest priced Ford Escape insurance. They can either waste time driving around to get rate comparisons or utilize the internet to get rate quotes.

There are both good and bad ways to shop for insurance coverage and you need to know the absolute fastest way to price shop coverage for a Ford and obtain the best price possible either online or from local insurance agents.

If you have insurance now or are shopping for new coverage, you will benefit by learning to cut your premiums and still get good coverage. This article will let you in on how to get online quotes and some money-saving tips. Consumers just need to learn the proper way to buy car insurance online.

Ways to get insurance coverage quotes

Most companies allow consumers to get prices from their websites. This process is quite simple as you just type in your coverage information into the form. When the form is submitted, the system collects reports for credit and driving violations and quotes a price based on the data you entered.

This simplifies rate comparisons, but the work required to visit a lot of sites and type in the same data is a waste of time. But it’s also necessary to compare as many rates as possible if you want to find lower prices.

A more efficient way to find lower prices is to use a quote form to get prices from more than one company. It’s a real time-saver, reduces the work, and makes price shopping online much more efficient. After sending the form, it is quoted and you can choose any or none of the resulting price quotes.

If you find a better price it’s easy to complete the application and purchase the new policy. It just takes a couple of minutes and can result in significant savings.

In order to compare rates now, click here to open in a new tab and enter your information. If you have your current policy handy, we recommend you enter the coverage information just like they are on your policy. This guarantees you will have rate comparison quotes for similar insurance coverage.

Situations that may require an agent’s advice

When it comes to buying adequate coverage, there really is no one size fits all plan. Every insured’s situation is different.

For instance, these questions may help highlight if your insurance needs would benefit from an agent’s advice.

  • Is my babysitter covered when using my vehicle?
  • Is my teenager covered with friends in the car?
  • Am I covered by my spouse’s policy after a separation?
  • Can I rate high risk drivers on liability-only vehicles?
  • What happens if I owe more than my 2003 Ford Escape is worth?
  • Am I covered if I break a side mirror?
  • Does my insurance cover a custom paint job?
  • What is the difference between comprehensive and collision coverage?
  • Am I missing any policy discounts?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and may give you better protection.

Auto insurance coverage options for a 2003 Ford Escape

Having a good grasp of your policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement.

Liability coverage

Liability coverage will cover damage that occurs to people or other property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like pain and suffering, attorney fees, repair bills for other people’s vehicles and loss of income. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Medical expense insurance

Med pay and PIP coverage kick in for short-term medical expenses like funeral costs, EMT expenses, rehabilitation expenses, hospital visits and X-ray expenses. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your 2003 Ford Escape.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision coverage

This pays for damage to your Escape from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like colliding with a tree, sustaining damage from a pot hole and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hitting a bird, a broken windshield, fire damage and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.