2008 Ford Escape Car Insurance Quotes

Want better auto insurance rates? Drivers have many options when trying to find the best price on Ford Escape insurance. They can either spend hours struggling with agents trying to get quotes or utilize the internet to find the lowest rates.

There are more efficient ways to compare auto insurance rates and you need to know the best way to get price quotes for your Ford and obtain the lowest price from both online companies and local agents.

It’s smart to check auto insurance prices on a regular basis because prices are adjusted regularly by insurance companies. Even if you think you had the best deal on Escape coverage at your last renewal there may be better deals available now. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate the best way to find great coverage at a great price.

Compare auto insurance rates

Many insurance companies like Progressive, Allstate and GEICO make it easy to get pricing on their websites. Getting online quotes is very simple because you just enter the amount of coverage you want into the quote form. Upon sending the form, the company’s rating system obtains information on your driving record and credit history and gives you a price quote based on the information you submitted.

This helps simplify price comparisons, but having to visit each company’s website and repetitively type in your information gets old quite quickly. Unfortunately, it is important to have as many quotes as possible if you are searching for the lowest price.

A more efficient way to locate the lowest prices makes use of a single form that analyzes rates from several different companies. This type of form saves time, eliminates form submissions, and makes rate comparisons much more enjoyable. As soon as you send your information, it is quoted and you can choose any one of the quotes that you receive.

If a lower price is quoted, you simply finish the application and purchase the new policy. The entire process just takes a couple of minutes and you will find out if you’re overpaying now.

In order to find out how much you’re overpaying now, click here to open in new window and fill out the form. To compare your current rates, we recommend you duplicate the insurance coverages as shown on your current policy. Doing this assures you will be getting an apples-to-apples comparison using the same coverage and limits.

Earn discounts on auto insurance

The price of auto insurance can be rather high, but you can get discounts that can drop the cost substantially. Some discounts will apply when you complete an application, but lesser-known reductions have to be inquired about before you get the savings. If you aren’t receiving every discount available, it’s possible you qualify for a lower rate.

  • Online Discount – Some insurance companies provide a small discount for signing up on the internet.
  • Sign Early and Save – Some companies reward drivers for signing up prior to the expiration date on your current policy. You may see this discount when you get auto insurance quotes online.
  • Defensive Driver Discounts – Taking time to complete a defensive driver class could save 5% or more if your company offers it.
  • Own a Home – Being a homeowner can help you save on auto insurance due to the fact that maintaining a home is proof of financial responsibility.
  • Theft Prevention Discount – Anti-theft and alarm system equipped vehicles are stolen with less frequency and that can save you a little bit as well.
  • ABS and Traction Control Discounts – Cars with ABS and/or traction control are much safer to drive and earn discounts up to 10%.
  • Life Insurance – If the company offers life insurance, you could get a discounted auto insurance rate on car insurance if you buy a life policy as well.
  • Resident Student – Any of your kids who live away from home to go to college and do not take a car to college could qualify for this discount.

A quick disclaimer, most discount credits are not given to the entire policy premium. Most only apply to the price of certain insurance coverages like comprehensive or collision. So when it seems like you could get a free auto insurance policy, insurance companies wouldn’t stay in business. Any amount of discount will definitely reduce the amount you have to pay.

Popular auto insurance companies and a partial list of their discounts are:

  • The Hartford offers premium reductions for good student, air bag, bundle, anti-theft, vehicle fuel type, and defensive driver.
  • American Family may include discounts for accident-free, Steer into Savings, mySafetyValet, good driver, and TimeAway discount.
  • Progressive includes discounts for continuous coverage, multi-policy, multi-vehicle, online signing, homeowner, and online quote discount.
  • Travelers discounts include driver training, student away at school, save driver, early quote, and new car.
  • Farmers Insurance may offer discounts for early shopping, distant student, youthful driver, bundle discounts, good student, switch companies, and mature driver.
  • USAA has savings for annual mileage, safe driver, defensive driver, family discount, new vehicle, and military installation.
  • Liberty Mutual may have discounts that include multi-car, exclusive group savings, preferred payment discount, newly retired, and newly married.

If you are trying to find cheaper auto insurance quotes, ask every company which discounts they offer. Some credits might not apply in your area.

How insurance companies calculate Ford Escape insurance rates

Multiple criteria are used in the calculation when you get a price on insurance. Most are fairly basic such as your driving history, but other factors are more transparent such as your marital status and annual miles driven.It’s important that you understand the factors that play a part in calculating your car insurance rates. If you know what determines base rates, this empowers consumers to make smart changes that can help you get lower rates.

  • Lower car insurance rates with theft deterrents – Driving a car with anti-theft technology or alarm system can get you a discount on your car insurance. Theft deterrent systems such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart your car from being stolen.
  • Long commutes cost more – The more miles you rack up on your Ford annually the more you’ll pay to insure it. The majority of insurers calculate prices determined by how the vehicle is used. Cars used primarily for pleasure use cost less to insure than those that get driven frequently. An improperly rated Escape can result in significantly higher rates. It’s a good idea to make sure your policy is showing the proper vehicle usage, because it can save money.
  • Avoid traffic tickets – Having a single citation may cause rates to rise substantially. Drivers who don’t get tickets get better rates compared to drivers with tickets. Drivers who have received careless tickets like reckless driving or DUI may find they need to file a SR-22 with their state’s licensing department in order to continue driving.
  • Five star IIHS safety rating saves money – Cars with five star safety ratings are cheaper to insure. Safe vehicles reduce the chance of injuries and lower injury rates translates into savings for insurance companies and lower rates for you. If your Ford Escape scored better than four stars on Safercar.gov you may qualify for a discount.
  • Little extras can really add up – There are quite a few extra bells and whistles that can add up but may not be useful. Coverage for things like roadside assistance, accident forgiveness, and additional equipment coverage could be just wasting money. These may sound like a good investment at first, but your needs may have changed so remove them and pocket the money.
  • How old are your drivers? – Inexperience drivers are known to get distracted easily in a vehicle so car insurance rates are higher. Older, more experienced drivers are more responsible, tend to file fewer claims and get fewer tickets.
  • Lower rates with no policy lapses – Not maintaining insurance can get you a ticket and companies may charge more for letting your insurance coverage expire. In addition to paying higher premiums, failure to provide proof of insurance can result in a fine, jail time, or a revoked license.

Tailor your car insurance coverage to you

When buying the best car insurance coverage for your vehicles, there is no cookie cutter policy. Every situation is different.

These are some specific questions can aid in determining whether your personal situation could use an agent’s help.

  • Where can I find DUI or SR-22 insurance?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • At what point should I drop full coverage?
  • Is my state a no-fault state?
  • Do I pay less for low miles?
  • What is roadside assistance coverage?
  • What should my uninsured motorist coverage limits be in my state?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and you can get the answers you need.

Tricks in insurance advertising

Consumers get pounded daily by advertisements that promise big savings for switching by Progressive, Allstate and GEICO. All the companies make the point about savings if you just switch to them.

Is it even possible that every company can have lower policy pricing? Here is how they do it.

Insurance providers have a certain “appetite” for the type of driver they prefer to insure. One example of a desirable risk might have to be over the age of 40, owns a home, and has a high credit rating. Any driver who fits that profile will get very good car insurance rates and as a result will probably save when switching.

Consumers who fall short of this stringent profile will get higher prices which translates to the customer buying from a different company. If you listen closely, the ads state “customers who switch” not “everybody who quotes” save money. That is how companies can make claims that they all have the best prices.

This really drives home the point why it’s extremely important to do a rate comparison at every renewal. It’s impossible to know the company that will have the best premium rates at this point in time.

What car insurance coverages do you need?

Learning about specific coverages of car insurance can help you determine which coverages you need for your vehicles. Car insurance terms can be confusing and coverage can change by endorsement.

Comprehensive auto coverage – This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as hitting a bird, damage from flooding and hitting a deer. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your 2008 Ford Escape.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Medical payments and PIP coverage – Med pay and PIP coverage pay for immediate expenses for things like nursing services, ambulance fees, funeral costs, dental work and pain medications. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Collision coverages – This pays for damage to your Escape from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like crashing into a ditch, hitting a parking meter, colliding with a tree, scraping a guard rail and backing into a parked car. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Liability coverage – This provides protection from injuries or damage you cause to other people or property in an accident. It protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims like loss of income, pain and suffering, attorney fees and medical expenses. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Shop Smart and Save

Throughout this article, we presented some good ideas how to reduce 2008 Ford Escape insurance rates online. The most important thing to understand is the more companies you get car insurance rates for, the better your chances of lowering your car insurance rates. You may even find the most savings is with some of the lesser-known companies.

People change insurance companies for any number of reasons including not issuing a premium refund, denial of a claim, delays in paying claims or even lack of trust in their agent. It doesn’t matter why you want to switch switching companies is less work than it seems.

A few companies do not offer online quoting and these regional insurance providers provide coverage only through independent agents. Cheaper 2008 Ford Escape insurance is available from both online companies and with local insurance agents, and you should compare price quotes from both to get a complete price analysis.

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