Ford Escape Insurance

You have many choices when attempting to insure your Ford vehicle. You can buy direct from your neighborhood insurance agent or get quotes online to check prices from multiple companies. Buying auto insurance online saves time, is easy to do, in addition you will probably save money.

Shopping online for auto insurance can be complicated if you are a beginner to online rate quotes. But relax because there is an easy way to compare rates. Getting cheaper insurance rates is not rocket science. The only requirement is to invest a few minutes comparing rates online from several insurance companies. This can be accomplished by completing this short form.

Criteria which help determine car insurance premiums

Insurance rates paid to insure a Ford Escape will vary greatly and are calculated by many factors. A few of these criteria are:

High performance increases premiums
Your accident history
Multiple policies can save money
How you use your vehicle
Optional coverages like vehicle replacement
No claims lowers premiums
Having continuous coverage saves you money
Owning a home can lower rates

One last important factor that helps determine the rate you pay on your Ford is the year of manufacture. New vehicles cost more so the costs to repair will push premiums up. Although newer vehicles may have options included like lane departure warning system, traction control, and autonomous braking so those may give discounted rates.

To get a better understanding how much rates will be for your vehicle, select the year of your Escape from the following list.

Liability coverage

This can cover injuries or damage you cause to a person or their property in an accident. Liability insurance covers claims such as funeral expenses, loss of income, and emergency aid. It is cheap coverage so purchase as much as you can afford.

Auto collision coverage

Collision insurance covers damage to your Ford from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It's also possible to choose a higher deductible in order to get cheaper Escape insurance rates.

Comprehensive coverage

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for bills for things like ambulance fees, surgery, and doctor visits. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage.

How Much are Ford Escape Insurance Rates?