2007 Ford Escape Hybrid Insurance Rates

Looking for the cheapest insurance coverage rates for your Ford Escape Hybrid? Comparing and finding low cost coverage rates for insurance coverage can seem to be nearly impossible for drivers who have little experience quoting coverage prices online. You have so many companies to choose from that it can turn into a real hassle to lower your prices.

Buy insurance online

To find low cost quotes, there are a couple of ways to obtain and compare prices from insurance companies in your area. The recommended way to find cheaper 2007 Ford Escape Hybrid rates involves getting comparison quotes online. This is quite simple and can be completed in a couple minutes as outlined below.

  1. Probably the best way to get quotes is an all-inclusive rate comparison click here to open form in new window. This type of form keeps you from doing boring form submissions for every company. One form submission gets coverage cost estimates from several companies. It’s definitely the quickest method.
  2. A less efficient way to analyze rates is going to the website for each individual company and go through the quote process again. For sake of this example, we’ll pretend you want to see prices from Liberty Mutual, Farmers and Allstate. You would need to go to each individual site and repeatedly type in your coverage information, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.
  3. The hardest method of getting rate comparisons is going to insurance agencies in your area. Shopping for insurance online eliminates the need for an insurance agent unless you have a complicated situation and need the professional abilities that only an agent can give. You can, however, comparison shop your insurance online but purchase the actual policy in an agency.

It doesn’t matter which method you choose, just make darn sure you compare the same coverage limits for each quote you get. If you enter different limits and deductibles on each one it’s not possible to make a fair comparison for your Ford Escape Hybrid. Quoting even small variations in coverages could skew the results. And when quoting insurance, remember that obtaining a wide range of quotes helps locate a lower rate.

These discounts can lower car insurance rates

Some providers don’t always list all possible discounts in a way that’s easy to find, so the list below details a few of the more common as well as some of the hidden discounts that may be available.

  • Use Seat Belts – Forcing all vehicle occupants to use a seat belt can save up to 10 percent (depending on the company) off the personal injury premium cost.
  • Organization Discounts – Joining a civic or occupational organization may earn a discount on your next renewal.
  • Pay Upfront and Save – If you can afford to pay the entire bill rather than paying in monthly installments you could save 5% or more.
  • Onboard Data Collection – Drivers that enable their car insurance company to spy on when and where they use their vehicle by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive might see lower rates as long as the data is positive.
  • E-sign Discounts – Many insurance companies will discount your bill up to fifty bucks for completing your application on the internet.
  • Employee of Federal Government – Active or retired federal employment can earn a discount up to 10% on Escape Hybrid coverage depending on your car insurance provider.
  • Passenger Safety Discount – Options like air bags or automatic seat belts may qualify for discounts up to 30%.

One last thing about discounts, most discounts do not apply to your bottom line cost. A few only apply to the cost of specific coverages such as liability and collision coverage. Even though it appears adding up those discounts means a free policy, companies wouldn’t make money that way.

Large car insurance companies and a summarized list of policyholder discounts include:

  • Esurance may offer discounts for multi-policy, online shopper, Pac-12 alumni, anti-theft, Switch & Save, claim free, and safety device.
  • The Hartford policyholders can earn discounts including bundle, vehicle fuel type, driver training, defensive driver, good student, air bag, and anti-theft.
  • AAA has savings for good student, pay-in-full, good driver, multi-policy, education and occupation, AAA membership discount, and multi-car.
  • GEICO has discounts for seat belt use, daytime running lights, multi-policy, defensive driver, and air bags.
  • State Farm offers discounts for Drive Safe & Save, safe vehicle, Steer Clear safe driver discount, defensive driving training, passive restraint, and driver’s education.

When getting free insurance coverage quotes, it’s a good idea to every prospective company to apply every possible discount. A few discounts might not be offered on policies in your area. To find insurers that can offer you the previously mentioned discounts, click here to view.

When do I need an agent’s advice?

When buying adequate coverage for your vehicles, there really is no perfect coverage plan. Each situation is unique.

These are some specific questions may help highlight if your situation would benefit from an agent’s advice.

  • Does coverage extend to Mexico or Canada?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Can I afford low physical damage deductibles?
  • Should I put collision coverage on all my vehicles?
  • Should I sign the liability waiver when renting a car?
  • What is an SR-22 filing?
  • Are there companies who specialize in insuring high-risk drivers?
  • How high should my uninsured/underinsured coverage be in my state?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form.

Insurance price influencing factors

The best way to find cheaper insurance is to take a look at a few of the rating criteria that play a part in calculating insurance rates. If you have some idea of what determines premiums, this enables you to make decisions that could result in lower insurance prices. Lots of factors are used when quoting car insurance. Most are fairly basic such as traffic violations, but other factors are not as apparent such as your marital status and annual miles driven.

  • Marriage is a bonus – Having a significant other helps lower the price when shopping for insurance. Having a significant other means you’re more responsible and it’s proven that married drivers tend to have fewer serious accidents.
  • Multiple policies with one company – Most larger insurance companies apply better rates to policyholders who buy several policies from them in the form of a multi-policy discount. Discounts can be ten or even up to twenty percent in some cases. Even with this discount, consumers should still compare rates to verify if the discount is saving money. Drivers may still find a better deal by splitting coverages up.
  • Do you really need the extra policy coverages? – There are many add-on coverages that can waste your money if you aren’t diligent. Things like roadside assistance, accidental death, and membership fees are examples of these. The coverages may be enticing when discussing your needs, but if they’re wasting money get rid of them and save.
  • Younger drivers pay more – Young drivers have a tendency to be more careless when driving with friends and because of this, their insurance rates are much higher. Adding a beginning driver onto your insurance can really hurt. Mature drivers tend to be more responsible, tend to file fewer claims , and usually have better credit.
  • Employer stress can make you pay more – Careers such as doctorsairline pilots and dentists are shown to have higher rates than the rest of us due to job stress and lots of time spent away from family. Conversely, occupations like farmers, engineers and performers have the lowest average rates on Escape Hybrid coverage.
  • Less chance of injury means lower premiums – Cars with high safety ratings tend to have better insurance rates. Safer cars reduce injuries and better occupant protection means less claims paid and more competitive rates for policyholders. If your Ford has at least four stars on Safercar.gov it is probably cheaper to insure.
  • Is insurance cheaper for men or women? – Over time, data shows that females tend to be a little less risky than males. This data doesn’t prove that females are better at driving than males. They both get in accidents at a similar rate, but males have accidents that have higher claims. They also get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly.

The ad said I’d save $422 a year!

Big name companies like GEICO, State Farm and Progressive continually stream ads on TV and radio. They all seem to seem to make the promise about saving some big amount if you switch your auto insurance policy to them. How does each company sell you cheaper insurance coverage? Here is how they do it.

Most companies have specific characteristics for the type of customer they prefer to insure. One example of a profitable customer might have to be a mature driver, has no driving citations, and does not commute to work. Anyone that fits those parameters will most likely get cheap prices and will most likely cut their rates if they switch.

Consumers who fall short of the requirements will see a higher premium with the end result being the customer buying from a different company. The wording the ads use say “customers that switch” not “everyone who quotes” save that kind of money. This is how companies can make those claims.

This emphasizes why you need to get insurance coverage quotes as often as possible. It is impossible to predict which auto insurance company will fit you best based on your risk profile.

Auto insurance policy coverages for a Ford Escape Hybrid

Having a good grasp of your policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Coverage for collisions

This coverage will pay to fix damage to your Escape Hybrid caused by collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like sustaining damage from a pot hole, hitting a mailbox, backing into a parked car and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your Ford Escape Hybrid.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive coverages

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as fire damage, theft, hitting a deer, hitting a bird and falling objects. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Auto liability

Liability insurance will cover damage or injury you incur to a person or their property in an accident. It protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as legal defense fees, repair bills for other people’s vehicles and attorney fees. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.

Coverage for medical payments

Med pay and PIP coverage provide coverage for expenses for things like rehabilitation expenses, surgery and chiropractic care. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

You can do this!

You just read many ways to save on 2007 Ford Escape Hybrid insurance. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. You may even discover the best car insurance rates are with a small mutual company.

Drivers leave their current company for a variety of reasons including unfair underwriting practices, high rates after DUI convictions, policy cancellation or even extreme rates for teen drivers. It doesn’t matter what your reason, choosing a new company can be pretty painless.

As you go through the steps to switch your coverage, never buy less coverage just to save a little money. In too many instances, an insured dropped uninsured motorist or liability limits and learned later that the small savings ended up costing them much more. The aim is to purchase plenty of coverage at the best price, but do not skimp to save money.

More tips and info about insurance coverage is available at these sites: