Cheap 2006 Ford Escape Insurance Quotes

Overpriced Ford Escape insurance can overdraw your checking account, especially in this economy. Comparison shopping is a great way to tighten up your finances.

Lots of insurers contend for your business, and it can be difficult to compare rates to discover the definitive lowest price

It is always a good idea to do rate comparisons once or twice a year due to the fact that insurance rates trend upward over time. Even if you got the lowest rates for Escape insurance two years ago you may be paying too much now. Starting now, ignore everything you know about insurance coverage because you’re going to learn the easiest way to find lower rates on insurance coverage.

Comprehensive Car Insurance Comparison

To find the best car insurance prices, there are several ways to compare quotes and find the best price. The fastest way to find the cheapest 2006 Ford Escape insurance rates involves getting comparison quotes online. It is quite easy and can be accomplished in several different ways.

  1. The most efficient way to find the lowest comparison rates would be an industry-wide quote request form click to view form in new window. This easy form saves time by eliminating repetitive form entry for every car insurance company. Filling out one form gets you coverage quotes from multiple companies.
  2. A less efficient way to shop for car insurance online consists of visiting the website for every company you want to comare to request a price quote. For instance, let’s assume you want comparison quotes from Auto-Owners, State Farm and Geico. To find out each rate you need to visit each site and enter your policy data, which is why the first method is more popular.

    To view a list of companies in your area, click here.

Whichever way you use, be sure to compare exactly the same deductibles and coverage limits for each comparison quote. If you use different values for each quote it’s not possible to make an equal comparison. Quoting even small variations in coverage limits can mean a large discrepancy in price. Just remember that having more price comparisons provides better odds of finding lower pricing.

Don’t overlook these discounts

Companies don’t always advertise all available discounts very well, so here is a list both the well known and also the lesser-known ways to save on auto insurance.

  • Federal Employees – Active or retired federal employment may qualify you for a discount for Escape insurance with a few auto insurance companies.
  • Low Mileage Discounts – Driving fewer miles can qualify you for discounted rates on garaged vehicles.
  • Military Discounts – Having a family member in the military can result in better rates.
  • Memberships – Affiliation with certain professional organizations is a good way to get lower rates when shopping for auto insurance for Escape insurance.
  • Driver Safety – Taking a defensive driving course can save you 5% or more if you qualify.

It’s important to understand that some of the credits will not apply the the whole policy. Some only reduce specific coverage prices like collision or personal injury protection. So even though they make it sound like it’s possible to get free car insurance, companies don’t profit that way.

For a list of companies with discount auto insurance rates, click this link.

Is my situation unique?

When buying adequate coverage for your vehicles, there really is no one size fits all plan. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions could help you determine whether your personal situation would benefit from an agent’s advice.

  • Does my medical payments coverage pay my health insurance deductible?
  • Exactly who is provided coverage by my policy?
  • What is PIP insurance?
  • Is a new car covered when I drive it off the dealer lot?
  • Do I need replacement cost coverage on my 2006 Ford Escape?
  • Is pleasure use cheaper than using my 2006 Ford Escape to commute?
  • Do all my vehicles need collision coverage?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of car insurance companies in your area.

Pieces of the Ford Escape insurance rate puzzle

Smart consumers have a good feel for the different types of things that help determine the price you pay for car insurance. Having a good understanding of what determines base rates enables informed choices that can help you get better car insurance rates.

The following are some of the items car insurance companies consider when setting your rates.

  • Bad driving skills means higher rates – Your driving record impacts your car insurance rates tremendously. Drivers who don’t get tickets receive lower rates than their less careful counterparts. Just one ticket can bump up the cost forty percent or more. Drivers who get dangerous violations like DUI or reckless driving may be required to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to prevent a license revocation.
  • Increase deductibles and save – Coverage for physical damage, also known as collision and other-than-collision, protects your Ford from damage. Examples of covered claims would be colliding with a building, collision with an animal, and rolling your vehicle. Your deductibles are the amount of money you are willing to pay out-of-pocket if you file a covered claim. The more money you’re willing to pay, the lower your rates will be for Escape insurance.
  • More claims means more premium – Companies award cheaper rates to people who file claims infrequently. If you frequently file small claims, you can pretty much guarantee higher rates. Car insurance is intended to be relied upon for the large, substantial claims.
  • Being married can save on car insurance – Having a spouse actually saves money on car insurance. It means you’re more mature than a single person and statistics show being married results in fewer claims.

Coverage specifics

Understanding the coverages of your insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement. Listed below are the normal coverages available from insurance companies.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as colliding with another moving vehicle, sustaining damage from a pot hole, rolling your car, hitting a parking meter and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Auto liability insurance

Liability coverage provides protection from damage or injury you incur to a person or their property by causing an accident. This coverage protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims like loss of income, emergency aid, legal defense fees, medical services and pain and suffering. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like surgery, rehabilitation expenses, nursing services, hospital visits and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Ford Escape.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Comprehensive (Other than Collision)

This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things such as hitting a bird, vandalism, a tree branch falling on your vehicle and fire damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Be a penny pincher

Affordable 2006 Ford Escape insurance can be purchased on the web as well as from independent agents, so compare prices from both to have the best selection. Some insurance companies don’t offer you the ability to get quotes online and these small, regional companies work with independent agents.

You just read some good ideas how to reduce insurance prices online. The key concept to understand is the more price quotes you have, the better your chances of lowering your rates. You may even find the best prices are with the smaller companies. They can often insure niche markets at a lower cost compared to the large companies like Allstate and Progressive.

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