2005 Ford Escape Insurance Quotes

Trying to find the cheapest insurance for your Ford Escape can turn out to be an all-consuming task, but you can learn our insurance coverage buying tips to save time. There are more efficient ways to buy insurance coverage and you need to know the quickest way to price shop coverage for your Ford and find the best price possible from both online companies and local agents.

It’s smart to price shop coverage periodically because rates change quite often. Despite the fact that you may have had the best price for Escape coverage a few years ago you may be paying too much now. You can find a lot of wrong information about insurance coverage online but by reading this article, you’re going to learn a lot of great tips on how to reduce your insurance coverage bill.

Factors that might impact rates for a Ford Escape

It’s important that you understand the rating factors that come into play when calculating your insurance rates. When you know what positively or negatively determines base rates empowers consumers to make smart changes that can help you get big savings.

  • One company can mean more discounts – Some insurance companies will award you with lower prices to insureds who have multiple policies with them. It’s known as a multi-policy discount. This can amount to 10 percent or more. Even if you’re getting this discount it’s in your best interest to compare rates to verify if the discount is saving money.
  • More people means more accidents – Residing in a small town has it’s advantages when insuring your vehicles. Urban drivers have to deal with congested traffic and longer commutes to work. Less people living in that area translates into fewer accidents and also fewer theft and vandalism claims.
  • Men are more aggressive – Statistics have proven women tend to be less risk to insure than men. That doesn’t necessarily mean that women are BETTER drivers than men. They both tend to get into accidents at a similar rate, but the male of the species cause more damage. Men also tend to receive more costly citations like reckless driving and DUI. Young males are most likely to cause an accident and thus pay the highest rates.
  • Pleasure use saves money – The more miles you rack up on your Ford in a year the higher your rate. The majority of insurers apply a rate based upon how you use the vehicle. Vehicles left parked in the garage receive lower rates compared to those used for work or business. Make sure your insurance policy is showing how each vehicle is driven, because improper ratings can cost you money. If your policy improperly rates your Escape can result in significantly higher rates.
  • Don’t cancel a policy without a new one in place – Allowing your coverage to lapse will be a fast way to pay more for insurance. And not only will your rates increase, getting caught without coverage will get you a revoked license or a big fine.
  • Low deductibles can be expensive – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Ford from damage. Some instances where coverage would apply are collision with another vehicle, damage caused by hail, and burglary. Physical damage deductibles are the amount of money you are willing to pay before a claim is paid by your company. The more expense you are required to pay out-of-pocket, the bigger discount you will receive for Escape coverage.
  • High numbers of claims are not good – If you tend to file frequent claims, you can pretty much guarantee either policy cancellation or increased premiums. Auto insurance companies give lower rates to drivers who are claim-free. Your insurance policy is intended for the large, substantial claims.
  • A clean driving record saves money – Whether or not you get tickets impacts your car insurance rates tremendously. Only having one ticket may increase your cost by as much as thirty percent. Drivers with clean records have lower premiums than people who have multiple driving citations. Drivers with severe tickets such as hit and run, DWI or reckless driving convictions are required to file a SR-22 with their state DMV in order to drive a vehicle legally.

The easiest way to compare rate quotes is to understand most insurance companies actually pay money for the chance to provide you with free rate quotes. To get started, all you need to do is give them rating details such as how much coverage you want, if you lease or own, what your job is, and whether the vehicles are used for commuting. That rating information is instantly submitted to all major companies and you will get price comparisons within a short period of time.

To find lower rates now, click here and see if a lower rate is available.

Get lower rates on Ford Escape insurance

Companies that sell car insurance don’t always list every discount very clearly, so here is a list some of the more common and the harder-to-find ways to save on auto insurance. If you’re not getting every credit available, you’re just leaving money on the table.

  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
  • Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying monthly you could save up to 5%.
  • Driver Safety – Completing a defensive driving course could cut 5% off your bill depending on where you live.
  • Accident Waiver – Certain companies allow you one accident without raising rates so long as you haven’t had any claims for a certain period of time.
  • Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates for Escape coverage than less cautious drivers.
  • Distant Student – Children who live away from home and do not have a car may be able to be covered for less.
  • Government Employees – Simply working for the federal government could cut as much as 10% off for Escape coverage with select insurance companies.
  • Accident Free – Drivers who don’t have accidents can save substantially compared to drivers who are more careless.
  • Military Rewards – Being on active duty in the military may qualify for rate reductions.
  • Theft Prevention Discount – Vehicles with anti-theft systems can help prevent theft and earn discounts up to 10%.

It’s important to understand that most discount credits are not given to all coverage premiums. Most only cut the price of certain insurance coverages like liability and collision coverage. So even though it sounds like it’s possible to get free car insurance, you’re out of luck.

Car insurance companies that may offer these benefits include:

Before buying, ask all companies you are considering which discounts you may be entitled to. Some discounts might not apply in your state.

Tailor your coverage to you

When it comes to choosing the best car insurance coverage, there isn’t really a cookie cutter policy. Each situation is unique.

For instance, these questions can aid in determining whether your personal situation might need an agent’s assistance.

  • Am I insured when driving a different vehicle?
  • When do I need to add a new car to my policy?
  • Can I drive in Mexico and have coverage?
  • Can I still get insurance after a DUI?
  • Are all vehicle passengers covered by medical payments coverage?
  • Do I need roadside assistance coverage?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I covered if I crash into my own garage door?
  • Am I covered when delivering products for my home-based business?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and can provide invaluable advice.

Insurance coverage specifics

Knowing the specifics of your insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and coverage can change by endorsement.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, hail damage, rock chips in glass, a broken windshield and hitting a bird. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as crashing into a ditch, scraping a guard rail and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for ambulance fees, hospital visits, funeral costs and pain medications. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

Liability car insurance

This protects you from damage that occurs to other people or property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things like court costs, bail bonds, repair bills for other people’s vehicles, pain and suffering and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but consider buying higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Ford Escape.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Saving money is sweet as honey

Consumers switch companies for a number of reasons such as policy cancellation, questionable increases in premium, high rates after DUI convictions or even being labeled a high risk driver. No matter why you want to switch, finding a new insurance coverage company can be easy and end up saving you some money.

You just learned a lot of ways to get a better price on 2005 Ford Escape insurance. It’s most important to understand that the more quotes you get, the better likelihood of reducing your rate. Consumers could even find that the lowest premiums are with a smaller regional carrier.

When trying to cut insurance costs, make sure you don’t reduce coverage to reduce premium. There have been many cases where an accident victim reduced comprehensive coverage or liability limits only to discover later that the small savings ended up costing them much more. Your aim should be to find the BEST coverage at the best price.

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