Save on 2012 Ford Escape Insurance Quotes

Finding cheaper insurance for your Ford Escape can turn out to be a lot of work, but you can learn these tips to save time.

There are more efficient ways to find insurance coverage online and we’ll show you the quickest way to quote coverages for a Ford and find the cheapest rates from both online companies and local agents.

The most recommended method to get policy rate comparisons is to know the trick most of the larger companies participate in online systems to provide you with free rate quotes. To start a quote, the only thing you need to do is take a few minutes to give details like if you went to college, if a SR-22 is required, your job, and how much coverage you want. That rating information is instantly submitted to many different companies and they provide comparison quotes very quickly.

To start a quote now, click here and complete the form.

Truth in auto insurance advertising

Consumers can’t ignore all the ads that claim the lowest prices from the likes of 21st Century, Allstate and State Farm. They all seem to convey the message that drivers will save a bundle if you move to their company.

It sounds good, but how can they all have lower policy pricing?

All companies have a preferred profile for the type of driver that earns them a profit. One example of a driver they prefer might be described as between the ages of 30 and 50, insures multiple vehicles, and has great credit. Any customer who matches those parameters will probably get the lowest prices and as a result will probably save if they switch.

Drivers who are not a match for the “perfect” profile may be required to pay a more expensive rate with the end result being the customer buying from a different company. The ads state “people that switch” but not “all drivers who get quotes” will save that much if they switch. That’s why insurance companies can make those statements.

That is why you really need to get price quotes at each policy renewal. It’s impossible to know which company will have the best car insurance rates at this point in time.

Auto insurance discounts help reduce rates

Not many people think insurance is cheap, but there’s a good chance there are discounts that can dramatically reduce your bill. Certain credits will be shown at the time of quoting, but a few must be requested specifically before you will receive the discount.

  • Pay Early and Save – By paying your entire bill at once instead of monthly or quarterly installments you can actually save on your bill.
  • College Student – who live away from home to go to college and leave their car at home may be able to be covered for less.
  • Military Deployment Discount – Being deployed with a military unit could qualify you for better rates.
  • Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Escape insurance compared to rates paid by drivers with frequent claims.
  • Sign Early and Save – Some auto insurance companies reward drivers for switching policies prior to your current policy expiring. Ten percent is about the average savings.
  • Anti-theft Discount – Cars optioned with advanced anti-theft systems can help prevent theft and will qualify for a discount on a auto insurance quote.

A little disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Just because it seems like all the discounts add up to a free policy, you won’t be that lucky.

Popular auto insurance companies and some of the discounts can be read below.

  • Progressive includes discounts for multi-vehicle, online signing, good student, continuous coverage, multi-policy, online quote discount, and homeowner.
  • SAFECO may offer discounts for teen safety rewards, safe driver, teen safe driver, anti-theft, homeowner, and drive less.
  • American Family offers premium reductions for good driver, Steer into Savings, accident-free, bundled insurance, defensive driver, and early bird.
  • MetLife offers discounts for claim-free, accident-free, multi-policy, defensive driver, good student, good driver
  • GEICO may have discounts that include good student, defensive driver, seat belt use, driver training, daytime running lights, air bags, and emergency military deployment.
  • The Hartford discounts include vehicle fuel type, defensive driver, driver training, air bag, bundle, anti-theft, and good student.

When getting a coverage quote, ask all companies you are considering which credits you are entitled to. Some of the discounts discussed earlier may not apply to policies everywhere. To see a list of insurers with discount rates, click here to view.

Which is the best insurance coverage?

When buying proper insurance coverage for your personal vehicles, there is no best way to insure your cars. Every situation is different.

For example, these questions could help you determine whether you might need an agent’s assistance.

  • What if I don’t agree with a claim settlement offer?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is upholstery damage covered by car insurance?
  • What should my uninsured motorist coverage limits be in my state?
  • What happens if I owe more than my 2012 Ford Escape is worth?
  • What companies insure drivers after a DUI or DWI?
  • Should I get collision insurance on every vehicle?
  • How does medical payments coverage work?
  • How much liability do I need to cover my assets?
  • Do I need more liability coverage?

If you can’t answer these questions, then you may want to think about talking to a licensed 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 can provide invaluable advice.

Specifics of your auto insurance policy

Learning about specific coverages of auto insurance helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Auto liability – This provides protection from damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

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 values of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as medical services, repair bills for other people’s vehicles, funeral expenses, emergency aid and court costs. How much coverage you buy is your choice, but buy as much as you can afford.

Collision – Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like sustaining damage from a pot hole, driving through your garage door and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also increase the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Ford Escape.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Frequently these coverages are set the same as your liablity limits.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as doctor visits, pain medications, funeral costs, dental work and nursing services. They are often utilized in addition to your health insurance policy or if you do not have health coverage. They cover both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision) – This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, hitting a bird, falling objects and damage from getting keyed. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Find Good Coverage for Less

We just showed you a lot of tips how to lower your 2012 Ford Escape insurance premium rates. It’s most important to understand that the more quotes you get, the better likelihood of getting cheaper auto insurance. You may be surprised to find that the biggest savings come from a smaller regional carrier.

As you go through the steps to switch your coverage, make sure you don’t buy poor coverage just to save money. In many cases, someone dropped liability coverage limits and discovered at claim time that they should have had better coverage. Your aim should be to get the best coverage possible at the best possible price and still be able to protect your assets.

Budget-friendly insurance can be sourced from both online companies and from local agencies, so get free auto insurance quotes from both of them to have the best chance of lowering rates. Some insurance companies may not offer the ability to get a quote online and many times these smaller companies work with independent insurance agents.

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