2010 Ford Escape Car Insurance Quotes – 10 Tips for Cheapest Rates

Trying to find the cheapest insurance rates for your Ford Escape? Comparison shopping for insurance is always a challenge for consumers new to shopping for insurance online. Drivers have so many options that it can turn into more work than you anticipated to find lower rates.

Take advantage of discounts

Properly insuring your vehicles can get expensive, but there are discounts available that can drop the cost substantially. A few discounts will automatically apply at quote time, but lesser-known reductions have to be manually applied prior to getting the savings.

  • Payment Method – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
  • E-sign – A handful of insurance companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in high school.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Ford could qualify for better rates on cars that stay parked.
  • Discount for Life Insurance – Companies who offer life insurance give a break if you buy a life insurance policy as well.
  • Sign Early and Save – A few companies offer discounts for signing up before your current policy expires. It can save you around 10%.
  • Good Student – A discount for being a good student can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.
  • Government Employees – Simply working for the federal government could cut as much as 10% off for Escape insurance depending on your company.
  • Theft Prevention Discount – Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.

It’s important to note that many deductions do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like all those discounts means the company will pay you, it just doesn’t work that way. But any discount will cut your overall premium however.

For a list of providers offering auto insurance discounts, follow this link.

Cheap Insurance Coverage Comparisons

There are a lot of ways to compare insurance coverage prices but there is one way that is less labor-intensive and much quicker. You can waste hours driving to insurance companies in your area, or you can utilize online quotes to get pricing more quickly.

Many of the larger companies participate in an industry program where insurance shoppers enter their coverage request one time, and each participating company then gives them pricing based on that information. This eliminates the need for quote forms for each company you want a rate for.

To find out what other companies charge for 2010 Ford Escape insurance click here to start a free quote.

The only downside to using this type of system is you cannot specify which insurance companies to receive prices from. So if you want to select specific providers to request quotes from, we put together a list of the cheapest insurance coverage companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just make absolute certain that you use identical deductibles and coverage limits with every price quote. If you use mixed coverages then you won’t be able to decipher which rate is best. Slightly different insurance coverages may result in large price differences. And when comparison shopping, comparing a large number of companies will increase your chances of finding a lower rate.

How to know if you need help

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Every insured’s situation is different.

These are some specific questions may help you determine whether your personal situation may require specific advice.

  • Do I need special endorsements for business use of my vehicle?
  • Can I make deliveries for my home business?
  • Does my 2010 Ford Escape need full coverage?
  • Is motorclub coverage worth it?
  • Am I covered when driving in Canada or Mexico?
  • Am I covered if I break a side mirror?
  • Is my trailer covered?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, complete this form.

Parts of your insurance policy

Understanding the coverages of insurance can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Liability coverages

This protects you from damages or injuries you inflict on people or other property in an accident. This coverage protects you against other people’s claims, and does not provide coverage for 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 liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as bail bonds, emergency aid, repair costs for stationary objects and legal defense fees. How much liability should you purchase? That is your choice, but buy higher limits if possible.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for funeral costs, hospital visits, dental work and nursing services. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Ford Escape.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Normally these coverages are set the same as your liablity limits.

Collision coverage

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as sideswiping another vehicle, crashing into a ditch and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Comprehensive auto coverage

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from getting keyed, damage from a tornado or hurricane, damage from flooding, a broken windshield and hail damage. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Be Smart and Buy Smart

People leave their current company for many reasons like unfair underwriting practices, delays in paying claims, poor customer service and denial of a claim. It doesn’t matter what your reason, finding a great new company can be less work than you think.

We just presented a lot of techniques to shop for 2010 Ford Escape insurance 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 biggest savings come from some of the smallest insurance companies.

When trying to cut insurance costs, do not reduce needed coverages to save money. In many cases, someone sacrificed collision coverage only to regret at claim time that the savings was not a smart move. Your goal should be to buy a smart amount of coverage at a price you can afford.

For more information, feel free to browse the following helpful articles: