Compare 2009 Ford Escape Car Insurance Rates

Looking for better insurance rates for your Ford Escape? Getting the most affordable insurance on the internet may at first seem to be rather challenging for drivers who are new to online price comparisons. With such a large choice of online companies, how can drivers have a chance to compare the different rates to find cheaper insurance prices?

Where can I get the cheapest insurance coverage?

There are a variety of methods you can shop for insurance coverage but some are easier and takes less work. You can waste a lot of time discussing policy coverages with agents in your area, or you can stay home and use the internet to get rate comparisons in just a few minutes.

Most of the best insurance companies belong to an insurance system that allows shoppers to only type in their quote data once, and each company can give them a price based on that data. This system prevents you from having to do form submissions for each company. To find out how much you’re overpaying now click to open in new window.

One minor caviat to using this type of system is that consumers can’t choose which insurance companies to get quotes from. If you wish to select individual companies for rate comparison, we have a page of the cheapest insurance coverage companies in your area. Click to view list.

You can choose any of those ways to find more affodable coverage, but do your best to use the same coverages for each comparison quote. If you compare different data it will be nearly impossible to determine which rate is truly the best. Even a minor difference in coverages can mean a large discrepancy in price. And when price shopping your coverage, comparing more company’s prices gives you a better chance of getting more affordable rates. Some regional insurers cannot provide online price quotes, so it’s important to also get quotes from them, too.

Discounts to earn cheap car insurance rates

Some companies don’t always list every possible discount very clearly, so the list below gives a summary of a few of the more common and also the more inconspicuous savings tricks you should be using when you buy insurance online.

  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase auto and life insurance together.
  • Theft Deterent Discount – Cars with anti-theft systems help deter theft and will qualify for a discount on a insurance quote.
  • Multi-policy Discount – If you combine your auto and home policies with the same insurance company they may give you a discount of up to 20% off your total premium.
  • Discounts for Federal Employees – Being employed by or retired from a federal job may qualify for a discount when you quote insurance on Escape insurance with select insurance companies.
  • Air Bags and Passive Restraints – Options like air bags or motorized seat belts can receive discounts of 20 to 30 percent.
  • Lower Rates for Military – Being deployed with a military unit may qualify for rate reductions.
  • Accident Waiver – This one is not really a discount per se, but a handful of insurance companies will allow you to have one accident before your rates go up if you are claim-free for a particular time prior to the accident.
  • Payment Method – If you can afford to pay the entire bill instead of monthly or quarterly installments you can avoid the installment charge.

As a disclaimer on discounts, many deductions do not apply the the whole policy. A few only apply to the cost of specific coverages such as liability and collision coverage. Even though the math looks like you could get a free car insurance policy, it’s just not the way it works.

To locate insurance companies that offer the discounts shown above, click this link.

Ford Escape insurance rate factors

A large part of saving on car insurance is knowing the factors that help calculate your policy premiums. When you know what positively or negatively determines premiums, this empowers consumers to make smart changes that can earn you cheaper rates.

  • Cheaper prices for prior coverage – Allowing your coverage to lapse is a guaranteed way to trigger a rate increase. In addition to paying higher rates, being ticketed for driving with no insurance may earn you a revoked license or a big fine. You may then have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Lower stress equals lower car insurance rates – Do you have a high-stress occupation? Occupations such as military generals, social workers and accountants tend to pay higher premium rates in part from high stress and long work days. On the other hand, careers like professors, historians and retirees pay the least on Escape insurance.
  • Do thieves like your car? – Choosing a vehicle that has a built-in theft deterrent system can earn a premium discount. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop auto theft.
  • Premiums and your address – Choosing to live in a small town is a good thing when shopping for auto insurance. Lower population translates into fewer accidents and a lower car theft rate. People who live in big cities have more road rage incidents and longer commutes to work. Longer commute distances translates into higher accident risk.
  • Drive a safer car and pay less – Vehicles with high crash test scores cost less to insure. Vehicles built for safety reduce the chance of injuries and lower rates of occupant injuries means less money paid by your insurance company and thus lower rates.

Tailor your car insurance coverage to you

When it comes to buying coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s situation is unique.

For example, these questions might help in determining whether or not you would benefit from an agent’s advice.

  • Are rental cars covered under my policy?
  • Is motorclub coverage worth it?
  • Does my car insurance cover rental cars?
  • If my 2009 Ford Escape is totaled, can I afford another vehicle?
  • Will I lose any money if I cancel my policy before it expires?
  • Can I rent a car in Mexico?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, simply complete this short form.

Coverages available on your auto insurance policy

Understanding the coverages of a auto insurance policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive coverages – This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from getting keyed, a broken windshield, damage from flooding and a tree branch falling on your vehicle. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance kick in for expenses for things like rehabilitation expenses, X-ray expenses, funeral costs, EMT expenses and prosthetic devices. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Collision coverage – Collision coverage pays for damage to your Escape from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as damaging your car on a curb, colliding with another moving vehicle, crashing into a ditch and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Liability coverages – Liability insurance provides protection from damage or injury you incur to a person or their property. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like court costs, legal defense fees, structural damage and pain and suffering. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these limits are similar to your liability insurance amounts.

What is YOUR best insurance company?

Lower-priced insurance coverage can be bought on the web as well as from insurance agents, so get free insurance quotes from both of them to have the best chance of lowering rates. Some insurance coverage companies don’t offer rate quotes online and these smaller providers sell through local independent agents.

As you quote insurance, it’s a bad idea to reduce needed coverages to save money. In many instances, someone sacrificed collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to get the best coverage possible for the lowest price but still have enough coverage for asset protection.

Throughout this article, we presented some good ideas how you can save on 2009 Ford Escape insurance. The key thing to remember is the more providers you compare, the better your comparison will be. Consumers may even find the best price on insurance coverage is with the least-expected company.

More information is located at the links below