2008 Ford Escape Hybrid Car Insurance Quotes

Looking for lower car insurance rates for your Ford Escape Hybrid? Have you fallen victim to high-priced car insurance? Believe me, many consumers feel financially strained by their car insurance policy.

With consumers having so many choices of insurance companies, it is very difficult to pick the right insurance company.

It’s important to get comparison quotes periodically since insurance rates are rarely the same from one policy term to another. Even if you think you had the best rates on Escape Hybrid coverage a few years ago the chances are good that you can find a lower rate today. So forget all the misinformation about car insurance because you’re going to get a crash course in the tricks you need to know to remove unneeded coverages and save money.

The best way to compare insurance rates from multiple companies takes advantage of the fact most of the larger companies have advanced systems to give rate comparisons. All you need to do is provide a little information such as your occupation, marital status, the ages of drivers, and your general credit rating. The data gets sent immediately to many of the top insurers and you will receive price estimates with very little delay.

Don’t overlook these discounts

Insurance can cost an arm and a leg, but companies offer discounts that you may not know about. A few discounts will automatically apply at the time you complete a quote, but less common discounts must be specifically requested in order for you to get them.

• Accident Waiver – A few companies permit an accident before raising your premiums so long as you haven’t had any claims for a particular time prior to the accident.
• Payment Method – By paying your policy upfront instead of paying each month you can actually save on your bill.
• Anti-theft System – Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
• Service Members Pay Less – Being on active duty in the military can result in better rates.
• Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.
• Early Switch Discount – Some companies give discounts for signing up before your current expiration date. It’s a savings of about 10%.
• Resident Student – Children living away from home attending college and don’t have a car may be able to be covered for less.
• Own a Home – Being a homeowner may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
• Multi-policy Discount – If you insure your home and vehicles with the same company you may earn at least 10% off all policies.

Keep in mind that most discount credits are not given to the overall cost of the policy. The majority will only reduce individual premiums such as comprehensive or collision. So despite the fact that it appears adding up those discounts means a free policy, you’re out of luck. But all discounts will reduce the cost of coverage.

To see a list of insurers offering car insurance discounts, click here to view.

Is my situation unique?

When choosing coverage, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions can aid in determining if your insurance needs may require specific advice.

• Can I afford low physical damage deductibles?
• What vehicles should carry emergency assistance coverage?
• Should I have combined single limit or split liability limits?
• Am I covered when using my vehicle for business?
• How can I get my company to pay me more for my totalled car?
• Does coverage extend to a rental car in a foreign country?
• How much liability do I need to cover my assets?
• What is PIP insurance?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Does my policy cover my teen driver if they drive my company car?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Insurance policy coverages for a 2008 Ford Escape Hybrid

Understanding the coverages of insurance aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. Shown next are the normal coverages found on the average insurance policy.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 2008 Ford Escape Hybrid.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision protection

Collision insurance pays for damage to your Escape Hybrid resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like hitting a parking meter, damaging your car on a curb, sustaining damage from a pot hole and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Liability coverage

Liability coverage provides protection from damage or injury you incur to other people or property in an accident. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Another option is a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like funeral expenses, emergency aid, repair bills for other people’s vehicles, bail bonds and court costs. How much coverage you buy is your choice, but buy as much as you can afford.

Insurance for medical payments

Med pay and PIP coverage provide coverage for short-term medical expenses for things like pain medications, EMT expenses, doctor visits, funeral costs and X-ray expenses. They are utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance 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 can pay for claims such as a broken windshield, rock chips in glass, fire damage, hail damage and a tree branch falling on your vehicle. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.