How Much Does 2004 Ford Escape Insurance Cost?

Looking for cheaper auto insurance rates for your Ford Escape? No sane person looks forward to buying auto insurance, particularly when the cost is too high.

Many insurers vie to insure your vehicles, so it’s not easy to compare every company and get the definite lowest cost out there.

If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using this strategy. Choosing the best insurance company for you is not rocket science. But vehicle owners can benefit by having an understanding of how big insurance companies market insurance on the web.

Car insurance policy discounts you can’t miss

Some providers don’t always publicize their entire list of discounts in an easy-to-find place, so the list below contains some of the more common and also the more inconspicuous car insurance savings.

  • Student Driver Training – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class as it will make them better drivers and lower rates.
  • Military Rewards – Being on active duty in the military could mean lower premium rates.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Ford may allow you to get slightly better premium rates than normal.
  • Seat Belt Usage – Forcing all vehicle occupants to wear their seat belts may be able to save a few bucks on medical payment and PIP coverage.
  • Clubs and Organizations – Belonging to certain professional organizations could earn you a nice discount on your next car insurance statement.
  • Driver Safety – Passing a class that teaches driver safety techniques could cut 5% off your bill and easily recoup the cost of the course.
  • Anti-theft System – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and can earn a small discount on your policy.
  • College Student Discount – Children living away from home attending college and don’t have a car can receive lower rates.

Policy discounts save money, but many deductions do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears it’s possible to get free car insurance, car insurance companies aren’t that generous.

Some companies that have these discounts include:

If you are trying to find cheaper insurance coverage quotes, ask every company how you can save money. Depending on the company, some discounts may not apply to policies in your area. To view car insurance companies that offer multiple discounts, click this link.

How to buy car insurance online

All major car insurance companies give prices direct online. Doing online quotes doesn’t take a lot of time as you simply enter your required coverages as requested by the quote form. Once you submit the form, the company’s rating system orders information on your driving record and credit history and provides a quote based on these factors. Online price quotes helps simplify price comparisons, but the work required to visit several different sites and type in the same data is repetitive and time-consuming. But it’s absolutely necessary to do this if you want to get the lowest price.

The quickest way to lower your rates uses one form to return rates from several companies at one time. It’s a real time-saver, requires less work, and makes price shopping online much more enjoyable. After sending your information, it is quoted with multiple companies and you can pick your choice of the price quotes you receive. If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. The entire process takes just a few minutes to complete and may result in a nice savings.

To find out if lower rates are available, click here to open in a new tab and enter your vehicle and coverage information. If you currently have coverage, we recommend you duplicate the coverage information exactly as they are listed on your policy. Using the same limits helps guarantee you will have rate quotes based on the exact same insurance coverage.

Insurance agents can help

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a one size fits all plan. Every insured’s situation is different and your policy should reflect that. These are some specific questions can aid in determining whether your personal situation would benefit from an agent’s advice.

  • Is my babysitter covered when using my vehicle?
  • Is my dog or cat covered if injured in an accident?
  • Do I need motorclub coverage?
  • Should I bundle my homeowners policy with my auto?
  • Can I still get insurance after a DUI?
  • Why am I required to buy liability insurance?
  • Can I rent a car in Mexico?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Parts of your insurance policy

Knowing the specifics of your policy can be of help when determining appropriate coverage and proper limits and deductibles. Insurance terms can be ambiguous and nobody wants to actually read their policy. Shown next are the normal coverages found on the average insurance policy.

Comprehensive protection – Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hitting a bird, rock chips in glass, fire damage, damage from flooding and a tree branch falling on your vehicle. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical expense coverage – Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like nursing services, funeral costs, rehabilitation expenses and chiropractic care. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision – Collision insurance will pay to fix damage to your Escape resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as colliding with a tree, hitting a mailbox, driving through your garage door and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Coverage for liability – This coverage provides protection from injuries or damage you cause to other people or property that is your fault. This coverage protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims such as emergency aid, legal defense fees, repair bills for other people’s vehicles, bail bonds and medical services. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured or underinsured coverage – This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Ford Escape.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

In any little way, save everyday

Some insurance providers don’t offer online rate quotes and most of the time these small, regional companies only sell coverage through local independent agents. Budget-friendly auto insurance can be found on the web as well as from insurance agents, and you should be comparing both to have the best selection.

We’ve covered a lot of ways to reduce 2004 Ford Escape insurance premium rates online. The key concept to understand is the more rate quotes you have, the higher your chance of finding the cheapest insurance coverage. You may be surprised to find that the lowest premium rates come from the least-expected company. Smaller companies may often insure only within specific states and give getter rates than their larger competitors like Progressive and GEICO.

While you’re price shopping online, you should never skimp on critical coverages to save a buck or two. There are too many instances where an insured cut physical damage coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your objective should be to buy the best coverage you can find for the lowest cost while not skimping on critical coverages.

Additional learning opportunities