2017 Ford Escape Car Insurance Rates

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Believe me, there are many consumers feeling the pinch from expensive car insurance. Many car insurance companies compete for your business, so it’s not easy to compare every company and get the best coverage at the lowest rate possible.

Insurance policy discounts

Insurance can be prohibitively expensive, but you can get discounts to reduce the price significantly. Some of these disounts will be visible when you get a quote, but occassionally some discounts must be specially asked for prior to getting the savings. If you’re not getting every credit possible, you are paying more than you should be.

  • Accident Forgiveness – Not necessarily a discount, but some insurance companies allow you one accident before hitting you with a surcharge if you are claim-free before the accident.
  • Student in College – Youth drivers living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
  • Paperless Signup – A handful of insurance companies provide a small discount simply for signing on the internet.
  • New Car Discount – Buying a new car instead of a used car can get you a discount since newer vehicles are generally safer.
  • Discount for Low Mileage – Driving less may allow you to get discounted insurancerates on garaged vehicles.
  • Full Payment Discount – If paying your policy premium upfront as opposed to paying monthly you could save 5% or more.
  • Military Discounts – Being on active duty in the military could qualify you for better rates.
  • Use Seat Belts – Requiring all passengers to buckle their seat belts could save 15% off the personal injury premium cost.

Don’t be shocked that most discount credits are not given to the entire policy premium. Most only apply to specific coverage prices like medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, nobody gets a free ride.

Large insurance companies and the discounts they provide can be read below.

  • GEICO has discounts for good student, seat belt use, five-year accident-free, emergency military deployment, multi-vehicle, and anti-lock brakes.
  • Travelers includes discounts for payment discounts, good student, early quote, new car, home ownership, and save driver.
  • Farm Bureau discounts include multi-vehicle, good student, multi-policy, 55 and retired, driver training, renewal discount, and safe driver.
  • Liberty Mutual may include discounts for new vehicle discount, new move discount, preferred payment discount, multi-car, hybrid vehicle, newly retired, and new graduate.
  • American Family may offer discounts for defensive driver, air bags, early bird, mySafetyValet, accident-free, and TimeAway discount.
  • Progressive has savings for online signing, multi-vehicle, multi-policy, continuous coverage, homeowner, and good student.

Check with every company how many discounts you can get. A few discounts may not apply to policies in your area.

How do I know if I need professional advice?

When it comes to buying the best auto insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different so your insurance should reflect that For example, these questions can aid in determining if your situation will benefit from professional help.

  • What exactly is covered by my policy?
  • Can I rent a car in Mexico?
  • Am I covered when delivering products for my home-based business?
  • Should I waive the damage coverage when renting a car?
  • Do I have coverage for damage caused while driving under the influence?
  • Am I covered if I hit a deer?
  • Am I covered if hit by an uninsured driver?
  • Do I have any recourse if my insurance company denies a claim?
  • Who is covered when they drive my 2017 Ford Escape?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Insurance coverage breakdown

Having a good grasp of insurance helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find the normal coverages offered by insurance companies.

Collision coverage protection

This covers damage to your Escape resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like crashing into a ditch, driving through your garage door and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

This provides protection from other drivers when they 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 Ford Escape.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability

This coverage will cover damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability can pay for things like court costs, pain and suffering and bail bonds. How much liability coverage do you need? That is up to you, but consider buying higher limits if possible.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as ambulance fees, EMT expenses and dental work. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

This coverage pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as theft, damage from a tornado or hurricane, rock chips in glass and vandalism. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Best coverage at the best price

Affordable 2017 Ford Escape insurance can be purchased from both online companies in addition to local insurance agencies, and you need to comparison shop both to have the best rate selection. A few companies do not provide rates over the internet and most of the time these regional insurance providers prefer to sell through independent agencies.

You just read some good ideas how to compare 2017 Ford Escape insurance premium rates online. The most important thing to understand is the more providers you compare, the better likelihood of getting affordable auto insurance. You may be surprised to find that the lowest premium rates come from a small mutual company. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as Progressive and GEICO.

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