How Much Does 2010 Ford Escape Hybrid Insurance Cost?

Feel like you’re a prisoner to an overpriced insurance policy? Trust us when we tell you many consumers are feeling buyer’s remorse and feel like there’s no way out. Big-name insurance companies like State Farm, Progressive and Geico increase brand awareness with ad campaigns and it is challenging if not impossible to ignore the flying pigs and cute green geckos and find the best price available.

It is always a good idea to do rate comparisons before your policy renews because rates are constantly changing. Despite the fact that you may have had the best price for Escape Hybrid coverage a year ago you can probably find a lower rate today. There is a lot of bad information regarding insurance on the web, but I’m going to show you some guaranteed methods to put money back in your pocket.

If you have a current auto insurance policy or are looking for a new policy, you can follow these tips to find better prices while maximizing coverage. Buying car insurance is not that difficult. Drivers just need to know how to compare rates online.

Save big with these discounts

Auto insurance companies don’t always advertise every discount very clearly, so here is a list both the well known as well as the least known discounts you could be receiving. If you’re not getting every credit you deserve, you are throwing money away.

  • Paperless Signup – A few companies will discount your bill up to fifty bucks just for signing your application online.
  • Military Rewards – Being deployed with a military unit can result in better rates.
  • Claim Free – Claim-free drivers pay less as compared to frequent claim filers.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
  • Drive Safe and Save – Insureds without accidents can pay as much as 50% less for Escape Hybrid coverage than drivers with accident claims.
  • Defensive Driver – Taking a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks with the same company may reduce the rate for each vehicle.
  • Passive Restraint Discount – Vehicles with factory air bags or motorized seat belts can get savings of 20% or more.

Drivers should understand that some of the credits will not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like you can get free auto insurance, insurance coverage companies aren’t that generous.

Insurance companies that possibly offer these benefits may include but are not limited to:

It’s a good idea to ask every prospective company which discounts you may be entitled to. Savings might not apply in every state.

Insurance Prices Online

All major insurance companies such as Allstate, Geico and Progressive give coverage price quotes online. The process is quite simple as you simply type in your coverage preferences as requested by the quote form. Once entered, their system obtains credit information and your driving record and generates a price determined by many factors. Online quotes simplifies rate comparisons, but the time it takes to visit multiple sites and complete many quote forms is not the best way to spend an afternoon. But it’s very important to have as many quotes as possible in order to find a lower rate.

Quote rates the easy way

A quicker way to find cheaper rates requires only one form to get prices from more than one company. This type of form saves time, helps eliminate reptitive entry, and makes quoting online much more efficient. After sending your information, it gets priced and you can choose any of the price quotes you receive. If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. It takes less than 15 minutes and you will know how your current rates stack up.

To find out what other companies charge, simply click here to open in new window and fill out the form. If you have coverage now, it’s recommended you copy the coverages exactly as shown on your declarations page. This guarantees you will have a price comparison using the exact same coverages.

Ford Escape Hybrid rates are in the details

Smart consumers have a good feel for the factors that play a part in calculating your insurance coverage rates. Knowing what determines base rates enables informed choices that can help you get lower insurance coverage prices.

  • Are you male or female? – Statistics have proven that women are safer drivers than men. However, don’t assume that men are worse drivers. Men and women cause accidents at about the same rate, but men cause more damage and cost insurance companies more money. Men also have more aggressive citations like reckless driving and DUI.
  • Little extras can really add up – There are quite a few extra coverages that you can get tricked into buying on your insurance coverage policy. Things like personal injury protection, accidental death and additional equipment coverage are some examples. These coverages may sound good when talking to your agent, but now you might not need them so remove them from your policy.
  • How many coverages with the same company – Most insurance companies provide better rates to policyholders who carry more than one policy, otherwise known as a multi-policy discount. If you currently are using one company, it’s in your best interest to comparison shop to confirm you are receiving the best rates possible.
  • Your occupation can affect rates – Did you know your occupation can influence how much you pay for insurance coverage? Occupations such as lawyers, executives and financial analysts have higher average rates because of high stress and long work days. Conversely, jobs such as actors, engineers and homemakers get better rates for Escape Hybrid coverage.
  • Adjust deductibles and save – Deductibles for physical damage define the amount you are willing to pay out-of-pocket before your insurance coverage pays a claim. Coverage for physical damage, also known as collision and other-than-collision, covers damage that occurs to your car. Examples of covered claims could be running into the backend of another car, damage from fire, and burglary. The higher the amount you’re willing to pay, the lower your rates will be for Escape Hybrid coverage.
  • Cautious drivers pay less – Whether or not you get tickets has a lot to do with how much you pay for insurance. Only having one speeding ticket may increase your cost by as much as thirty percent. Drivers with clean records tend to pay less for car insurance compared to drivers with tickets. Drivers with flagrant tickets such as hit and run, DWI or reckless driving convictions are required to file a SR-22 with the DMV in their state in order to keep their license.
  • Big city or small town – Residing in a small town can be a good thing when buying insurance coverage. Lower population means reduced accidents. City drivers tend to have much more traffic to deal with and much longer commute distances. Longer commute distances means more change of being in an accident.
  • Never allow your policy to lapse – Allowing your insurance coverage policy to lapse will be a sure-fire way to trigger a rate increase. Not only will you pay more, but being ticketed for driving with no insurance will get you a revoked license or a big fine.

But I don’t know anything about car insurance

When choosing coverage, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions can aid in determining whether you might need an agent’s assistance.

  • Does my medical payments coverage pay my health insurance deductible?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Do I need more liability coverage?
  • Does my personal policy cover me when driving out-of-state?
  • Is there coverage for injuries to my pets?
  • Can I afford to buy a different vehicle if my 2010 Ford Escape Hybrid is totaled?
  • Am I covered when driving on a suspended license?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of car insurance companies in your area. It only takes a few minutes and may give you better protection.

Parts of your car insurance policy

Learning about specific coverages of car insurance helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages available from car insurance companies.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for immediate expenses like X-ray expenses, prosthetic devices, hospital visits and nursing services. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as vandalism, rock chips in glass, hitting a deer and a tree branch falling on your vehicle. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision insurance

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

Collision coverage protects against claims like hitting a mailbox, colliding with a tree, backing into a parked car and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Ford Escape Hybrid.

Because many people 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 should not be overlooked.

Liability insurance

This coverage protects you from damages or injuries you inflict on other people or property. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for things such as medical services, loss of income, repair costs for stationary objects, bail bonds and pain and suffering. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Stretch your dollar

While you’re price shopping online, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced collision coverage and discovered at claim time that the small savings ended up costing them much more. The ultimate goal is to buy a smart amount of coverage at the best price while still protecting your assets.

We just covered a lot of tips how to shop for 2010 Ford Escape Hybrid insurance online. The key concept to understand is the more you quote, the higher your chance of finding lower rates. You may even discover the best price on auto insurance is with the smaller companies. These companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm or Progressive.

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