Compare 2013 Ford Escape Car Insurance Cost

Searching for cheaper insurance coverage rates for your Ford Escape? If price shopping insurance coverage quotes online is new to you, you may be bewildered thanks to the incredible selection local agents and online companies all promising to save you money.

You should take the time to get comparison quotes periodically since insurance prices are rarely the same from one policy term to another. Just because you had the best rates for Escape coverage six months ago you will most likely find a better premium rate today. You can find a lot of wrong information about insurance coverage on the internet, but in a few minutes you can learn a lot of great tips on how to buy insurance coverage cheaper.

If you currently have car insurance, you will be able to cut costs considerably using these methods. This article will help you learn how to effectively get price quotes and some tricks to saving. But vehicle owners do need to understand the way insurance companies sell online.

Do you qualify for discount car insurance?

Insurance can cost an arm and a leg, but there could be available discounts that can drop the cost substantially. Certain discounts will be triggered automatically when you quote, but some need to be specifically requested before being credited.

  • Own a Home – Just owning your own home may earn you a small savings because it shows financial diligence.
  • Low Mileage – Keeping the miles down on your Ford could qualify for better rates on cars that stay parked.
  • 55 and Retired – Drivers over the age of 55 may be able to get reduced rates for Escape coverage.
  • Pay Upfront and Save – If you pay your bill all at once as opposed to paying monthly you can actually save on your bill.
  • Renewal Discounts – Some companies give discounts for buying a new policy early. It’s a savings of about 10%.

As a disclaimer on discounts, many deductions do not apply to the entire cost. Most cut specific coverage prices like liability and collision coverage. Despite the fact that it seems like you could get a free car insurance policy, it’s just not the way it works. But any discount will help reduce the cost of coverage.

Larger car insurance companies and the discounts they provide are detailed below.

  • State Farm has discounts for good driver, anti-theft, student away at school, Steer Clear safe driver discount, accident-free, and good student.
  • Progressive may have discounts that include online signing, good student, multi-policy, continuous coverage, online quote discount, and homeowner.
  • Progressive may offer discounts for online quote discount, homeowner, multi-vehicle, continuous coverage, and multi-policy.
  • MetLife policyholders can earn discounts including multi-policy, defensive driver, claim-free, good driver, good student, and accident-free.
  • Farm Bureau offers premium reductions for renewal discount, safe driver, multi-vehicle, driver training, youthful driver, and 55 and retired.
  • GEICO has savings for defensive driver, air bags, multi-vehicle, emergency military deployment, and five-year accident-free.
  • SAFECO may include discounts for drive less, safe driver, bundle discounts, teen safety rewards, and accident prevention training.

When getting a coverage quote, ask every insurance company to apply every possible discount. Savings may not be offered in your area.

Cheapest insurance coverage rate quotes

There are a variety of methods to compare insurance coverage prices but one way is less labor-intensive and much quicker. You could spend the better part of a day talking to agents in your area, or you could use online quoting to get prices fast.

Many companies take part in a program that enables customers to enter their policy data once, and each participating company returns a competitive quote based on the submitted data. This system prevents you from having to do repetitive form submissions for each company.

To find out how much you can save on insurance coverage click here to open in new window.

The one disadvantage to using this type of system is that consumers can’t choose the providers to get quotes from. So if you prefer to choose specific insurance companies to compare rates, we have assembled a list of companies who write insurance coverage in your area. View list of insurance companies.

Whichever way you choose to compare rates, make sure you use apples-to-apples coverage limits and deductibles for each quote you get. If you enter different liability limits it’s impossible to make an equal comparison. Slightly different coverage limits can result in a big premium difference. And when quoting insurance coverage, remember that comparing a wide range of rates helps you find a better price. Some smaller insurers to not give price estimates online, so you need to compare rates on coverage from those companies, too.

Lower the price of car insurance with these tips

An important part of buying insurance is that you know some of the elements that help calculate the level of your policy premiums. If you know what determines premiums, this allows you to make educated decisions that may reward you with better car insurance rates.

The itemized list below are most of the major factors used by companies to determine your rates.

  • Poor credit decisions can cost you – Having a bad credit history will be a significant factor in determining premium rates. Insureds with very high credit ratings tend to file fewer claims than drivers with poor credit. If your credit rating can be improved, you could save money insuring your 2013 Ford Escape if you improve your credit rating.
  • Save miles driven and save money – The more you drive every year the more you’ll pay to insure it. A lot of insurance companies apply a rate based on how the vehicle is used. Cars and trucks not used for work or commuting receive better premium rates as compared to vehicles used primarily for driving to work. Incorrect rating for your Escape is throwing money out the window. Double check that your car insurance policy reflects how each vehicle is driven, because improper ratings can cost you money.
  • Higher car insurance rates for specific employers – Careers like fire fightersairline pilots and stock brokers usually pay higher rates than the rest of us because of intense work-related stress and lots of time spent at work. Conversely, jobs such as professors, engineers and retirees get better rates for Escape coverage.
  • Rates also based on gender – Statistics demonstrate that females take fewer risks when driving. The data does not necessarily mean that females are better drivers. Women and men are in at-fault accidents at a similar rate, but males cause more damage. In addition to higher claims, males also get ticketed for serious violations like DWI (DUI) or reckless driving.
  • Safer the car lower the rate – Cars with high safety ratings tend to have lower insurance rates. Vehicles engineered for safety result in less severe injuries and any reduction in injury severity means lower claim amounts which can result in lower premiums. If your Ford Escape is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Get hitched and pay less – Your spouse can get you a discount on car insurance. Having a spouse usually means you are more mature and responsible and statistics show married drivers tend to have fewer serious accidents.
  • Incidental coverages can waste money – There are a ton of extra bells and whistles that you can buy if you aren’t diligent. Coverages like rental car coverage, death and dismemberment, and term life insurance could be just wasting money. You may think they are a good idea when buying your policy, but if you don’t need them eliminate them to save money.
  • Big cities mean more claims – Living in a rural area has definite advantages when it comes to car insurance. Residents of big cities tend to have traffic congestion and much longer commute distances. Fewer people means reduced accidents and lower theft and vandalism rates.

What insurance coverages do I need?

When it comes to choosing the right insurance coverage, there really is no cookie cutter policy. Every insured’s situation is different.

For instance, these questions may help highlight whether your personal situation may require specific advice.

  • Does my medical payments coverage pay my health insurance deductible?
  • Does my insurance cover my expensive audio equipment?
  • Am I covered if I hit a deer?
  • Should I sign the liability waiver when renting a car?
  • Should I carry comprehensive and collision coverage?
  • Is other people’s property covered if stolen from my vehicle?
  • What is medical payments coverage?
  • If my 2013 Ford Escape is totaled, can I afford another vehicle?
  • Can my babysitter drive my car?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form.

Coverages available on your insurance policy

Understanding the coverages of your insurance policy aids in choosing appropriate coverage for your vehicles. Insurance terms can be difficult to understand and coverage can change by endorsement.

Liability coverage

This coverage provides protection from injuries or damage you cause to other people or property. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against things like medical expenses, funeral expenses, court costs and attorney fees. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as sideswiping another vehicle, crashing into a building, hitting a parking meter and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible to bring the cost down.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for EMT expenses, nursing services, pain medications, chiropractic care and funeral costs. They are used in conjunction with a health insurance program or if you lack health insurance entirely. It covers both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like fire damage, a broken windshield, damage from flooding and vandalism. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured or underinsured coverage

This protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 2013 Ford Escape.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Be Smart and Buy Smart

Low-cost 2013 Ford Escape insurance is attainable both online in addition to many insurance agents, and you should compare rates from both to have the best rate selection. There are still a few companies who may not provide rate quotes online and usually these small, regional companies sell through independent agencies.

When you buy insurance coverage online, you should never skimp on coverage in order to save money. There are too many instances where an accident victim reduced physical damage coverage only to find out that the small savings ended up costing them much more. The proper strategy is to purchase plenty of coverage for the lowest cost but still have enough coverage for asset protection.

In this article, we presented many tips how you can shop for 2013 Ford Escape insurance online. The key thing to remember is the more times you quote, the higher your chance of finding cheaper insurance coverage. Drivers may discover the most savings is with the smaller companies.

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