Lower Your 2006 Ford Escape Hybrid Insurance Quotes

Trying to find the cheapest auto insurance rates for your Ford Escape Hybrid? Searching for the cheapest insurance for a new or used Ford Escape Hybrid can be difficult, but you can follow the following methods to save time. There is a right way and a wrong way to find auto insurance online so we’re going to tell you the proper way to price shop coverage on a Ford and locate the lowest possible price.

Take advantage of with these discounts

Companies don’t always advertise every policy discount very well, so the list below contains both the well known and the harder-to-find discounts that may be available.

  • Telematics Data Discounts – People who choose to allow their company to spy on their driving habits remotely such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease if they exhibit good driving behavior.
  • Good Student – Performing well in school may save you up to 25%. The discount lasts until age 25.
  • Policy Bundle Discount – If you can combine your homeowners and auto policy and insure them both with the same insurance company you could save at least 10 to 15 percent or more.
  • Buy New and Save – Insuring a vehicle that is new is cheaper because newer vehicles have to meet stringent safety requirements.
  • Paperwork-free – A handful of larger companies give back up to $50 shop car insurance online.
  • Early Renewal Discounts – Some larger companies reward drivers for buying a policy prior to your current policy expiring. The savings is around 10%.
  • Driver’s Ed – It’s a good idea to have your young drivers complete a driver education course in school.

As a sidenote, many deductions do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as liability and collision coverage. Despite the appearance that it’s possible to get free car insurance, it just doesn’t work that way.

Companies and some of their more popular discounts can be read below.

  • State Farm offers discounts for anti-theft, passive restraint, defensive driving training, multiple policy, and Steer Clear safe driver discount.
  • Progressive may offer discounts for online signing, good student, homeowner, multi-policy, and continuous coverage.
  • Progressive policyholders can earn discounts including good student, homeowner, multi-vehicle, online quote discount, and online signing.
  • MetLife discounts include claim-free, good driver, multi-policy, accident-free, good student, and defensive driver.
  • Farm Bureau has savings for renewal discount, driver training, multi-policy, safe driver, and good student.
  • GEICO has discounts for military active duty, seat belt use, daytime running lights, membership and employees, driver training, air bags, and anti-lock brakes.
  • SAFECO may include discounts for homeowner, teen safety rewards, teen safe driver, drive less, and anti-theft.

If you are trying to find inexpensive car insurance quotes, ask each company how many discounts you can get. Depending on the company, some discounts may not apply to policyholders in your area. To find insurance companies who offer auto insurance discounts, click here.

Car insurance quotes comparison

Lowering your 2006 Ford Escape Hybrid car insurance rates is a great way to save money. You just need to take a couple of minutes comparing free car insurance quotes from some recommended companies. Rate comparisons can be done in just a few minutes using one of these methods.

The easiest and least time consuming way to get quotes for comparison would be an industry-wide quote request form like this one (opens in new window). This easy form saves time by eliminating separate quotation requests for every car insurance company. A single form gets insurance cost estimates from multiple low-cost companies. It’s definitely the quickest method.

A slightly less efficient method to shop for car insurance online consists of going to each company website and get a separate price quote. For examples sake, we’ll pretend you want to compare rates from Progressive, 21st Century and Farmers. You would be required to go to each individual site and enter your information, which is not fast way to get rate quotes.

For a list of links to companies insuring cars in your area, click here.

The most difficult way to comparison shop rate quotes is to spend your day driving to insurance agencies in your area. Comparing online rate quotes eliminates the need for an insurance agent unless you’re the type of person who wants the professional guidance of a local agent. Some companies do allow you to comparison shop your insurance online but buy from a local insurance agent.

Which method you use is up to you, but ensure you are comparing the same coverage limits on every price quote you get. If you use differing limits then you won’t be able to truly determine the lowest rate.

Your situation helps dictate your coverage

When choosing adequate coverage, there really is not a “perfect” insurance plan. Everyone’s situation is unique.

Here are some questions about coverages that can aid in determining whether or not you might need professional guidance.

  • How can I force my company to pay a claim?
  • When does my teenage driver need to be added to my policy?
  • How many claims can I have before being cancelled?
  • Is my Ford Escape Hybrid covered if I use it for business?
  • Is my camper covered by my car insurance policy?
  • Should I get collision insurance on every vehicle?
  • Are my friends covered when driving my 2006 Ford Escape Hybrid?
  • Does coverage extend to my business vehicle?
  • Will I lose any money if I cancel my policy before it expires?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance coverage information

Having a good grasp of your policy aids in choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your 2006 Ford Escape Hybrid.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Auto collision coverage

Collision coverage covers damage to your Escape Hybrid resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as hitting a parking meter, colliding with a tree and scraping a guard rail. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive auto coverage

Comprehensive insurance 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 coverage pays for things like a broken windshield, fire damage, hitting a deer, damage from flooding and falling objects. The highest amount 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 consider removing comprehensive coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like nursing services, pain medications, prosthetic devices and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Liability insurance

Liability insurance protects you from damage or injury you incur to a person or their property that is your fault. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as bail bonds, pain and suffering and loss of income. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.

Better coverage you can count on

Insureds change insurance companies for a number of reasons such as lack of trust in their agent, being labeled a high risk driver, an unsatisfactory settlement offer or even not issuing a premium refund. It doesn’t matter what your reason, choosing a new insurance company is easier than you think.

We covered a lot of tips how to shop for 2006 Ford Escape Hybrid insurance online. The most important thing to understand is the more quotes you get, the better your chances of lowering your premium rates. Consumers could even find that the lowest car insurance rates come from some of the lesser-known companies.

When shopping online for auto insurance, you should never sacrifice coverage to reduce premiums. In many cases, an insured dropped comprehensive coverage or liability limits and learned later that it was a big error on their part. Your aim should be to buy the best coverage you can find at an affordable rate, but do not sacrifice coverage to save money.

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