2010 Ford Escape Insurance Cost – 9 Savings Tips

Trying to find lower insurance rates for your Ford Escape? Do you think you bought high-priced insurance? You’re in good company because there are lots of people in the same boat. Due to the increasing number of insurance providers from which to choose, it can be challenging to locate a more affordable insurance company.

Choosing the best insurance company for you is easy if you know what you’re doing. If you currently have a car insurance policy, you stand a good chance to be able to save some money using these tips. Vehicle owners just need to learn how to shop their coverage around over the internet.

Buy car insurance online

Finding a better price on car insurance is actually easier than you may think. Just spend a few minutes getting comparison quotes to find. Insurance prices can be quoted in a couple of different ways.

  • The best way to find low rates is to use a rate comparison form click to view form in new window. This method prevents you from having to do boring form submissions for every prospective company. Just one form will get you price quotes from all major companies.
  • A more difficult way to find more affordable insurance consists of visiting the website for every company you want to comare and repeat the quote process. For sake of this example, let’s assume you want to compare rates from Liberty Mutual, State Farm and GMAC. You would have to take the time to go to each site and repeatedly enter your information, which is why most consumers use the first method.

    For a handy list of car insurance company links in your area, click here.

The method you choose is up to you, but be sure you’re using the same coverages and limits for every company. If your comparisons have mixed coverages it’s not possible to make a fair rate comparison.

Take advantage of these nine discounts

Some companies don’t necessarily list every possible discount in a way that’s easy to find, so we break down both the well known as well as some of the hidden credits available to bring down your rates. If you are not receiving all the discounts you deserve, you are just wasting money.

  • Home Ownership Discount – Being a homeowner can help you save on auto insurance since home ownership is proof of financial responsibility.
  • ABS Braking Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes are much safer to drive so companies give up to a 10% discount.
  • Paperless Signup – A few larger companies will provide an incentive shop insurance coverage on your computer.
  • Responsible Driver Discounts – Insureds without accidents can save up to 40% or more on their insurance coverage quote on Escape insurance as compared to drivers with claims.
  • 55 and Retired – If you qualify as a senior citizen, you may be able to get better auto insurance rates on Escape insurance.
  • Telematics Data Discounts – Drivers who elect to allow their auto insurance company to analyze their driving habits by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive might see lower rates if they have good driving habits.
  • Good Grades Discount – This discount may save as much as 25% on a insurance coverage quote. Many companies even apply the discount to college students well after school through age 25.
  • Military Discounts – Being deployed with a military unit can result in better prices.
  • Seat Belts Save more than Lives – Drivers who require all vehicle occupants to use their safety belts could cut 10% or more on medical payment and PIP coverage.

You can save money using discounts, but many deductions do not apply to the entire cost. The majority will only reduce individual premiums such as comp or med pay. Even though it appears all the discounts add up to a free policy, insurance companies wouldn’t stay in business. Any qualifying discounts will positively reduce your policy cost.

To view auto insurance companies who offer online auto insurance quotes, click here.

Special considerations

When it comes to buying proper insurance coverage for your personal vehicles, there is no cookie cutter policy. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions may help highlight whether or not you would benefit from professional advice.

  • How much liability insurance is required?
  • How high should deductibles be on a 2010 Ford Escape?
  • When would I need rental car insurance?
  • Do I have coverage when pulling a U-Haul trailer?
  • Does liability extend to a camper or trailer?
  • Is a new car covered when I drive it off the dealer lot?
  • Is my ex-spouse still covered by my policy?

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Educate yourself about auto insurance coverages

Having a good grasp of a auto insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverage types offered by auto insurance companies.

Collision protection

This coverage will pay to fix damage to your Escape 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 scraping a guard rail, colliding with a tree, hitting a parking meter, driving through your garage door and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your Ford Escape.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Comprehensive insurance

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from getting keyed, theft, damage from a tornado or hurricane and fire damage. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Auto liability

This coverage will cover damages or injuries you inflict on other people or property by causing an accident. It protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy 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 insurance covers claims like medical expenses, repair costs for stationary objects, medical services, pain and suffering and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like ambulance fees, X-ray expenses, rehabilitation expenses and doctor visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

More quotes. Lower rates.

When getting insurance coverage quotes online, you should never reduce needed coverages to save money. There are too many instances where someone sacrificed full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy the best coverage you can find at the lowest possible cost and still be able to protect your assets.

The cheapest 2010 Ford Escape insurance can be sourced on the web and with local insurance agents, and you should be comparing both so you have a total pricing picture. A few companies may not offer price quotes online and these smaller companies sell through independent agents.

We covered a lot of tips how to compare 2010 Ford Escape insurance rates online. The key thing to remember is the more rate quotes you have, the better your comparison will be. You may even find the best rates are with a small local company. Some small companies can often insure niche markets at a lower cost than the large multi-state companies such as Progressive and GEICO.

Additional insurance coverage information is available below: