Lower Your 2016 Ford Escape Insurance Rates

Trying to find cheaper insurance coverage rates? Buyers have options when searching for the best price on Ford Escape insurance. They can either waste time calling around getting price quotes or leverage the internet to compare rates. There are more efficient ways to buy insurance coverage so we’re going to tell you the proper way to quote coverages on a Ford and get the best price possible from both online companies and local agents.

Cut your insurance coverage rates with discounts

Companies don’t list all their discounts in an easy-to-find place, so we break down both the well known and the harder-to-find ways to save on insurance coverage. If they aren’t giving you every credit available, you are throwing money away.

  • New Vehicle Savings – Putting insurance coverage on a new car can save up to 30% since new cars are generally safer.
  • Student Driver Training – Require your teen driver to take driver’s ed class if offered at their school.
  • Accident Waiver – Certain companies will allow you to have one accident before your rates go up as long as you don’t have any claims prior to the accident.
  • Theft Prevention System – Anti-theft and alarm systems can help prevent theft and earn discounts up to 10%.
  • Payment Method – If you pay your bill all at once instead of making monthly payments you could save 5% or more.
  • Save over 55 – Older drivers can possibly qualify for better insurance coverage rates for Escape insurance.
  • Safety Course Discount – Completing a driver safety course could save 5% or more and easily recoup the cost of the course.

A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. Most cut individual premiums such as liability, collision or medical payments. So when it seems like you could get a free insurance coverage policy, it just doesn’t work that way.

To see a list of providers who offer insurance coverage discounts, click this link.

How to Compare Insurance Coverage Costs

Most major insurance companies provide insurance quotes on the web. Obtaining pricing doesn’t take much effort as you just enter your personal and coverage information into a form. Upon sending the form, their system pulls your driving record and credit report and provides a quote based on these factors.

Online quotes helps simplify price comparisons, but having to visit a lot of sites and type in the same information is not the best way to spend an afternoon. But it’s very important to do this in order to get better insurance coverage pricing.

The preferred way to find cheaper rates makes use of a single form that analyzes rates from a bunch of companies at once. It saves time, requires less work, and makes online price comparison much more efficient. As soon as you send your information, it gets priced and you can choose your choice of the resulting price quotes. If you find a better price you can simply submit the application and purchase coverage. It only takes a few minutes and can result in significant savings.

If you want to get comparison pricing now, simply click here to open in new window and input your coverage information. To compare your current rates, we recommend you input your coverages identical to your current policy. This makes sure you are getting rate comparison quotes based on identical coverages.

You are unique and your insurance should be too

When it comes to choosing adequate coverage, there isn’t really a cookie cutter policy. Everyone’s situation is a little different.

For instance, these questions may help you determine if your insurance needs would benefit from an agent’s advice.

  • Do I need motorclub coverage?
  • What is the minimum liability in my state?
  • Is my Ford Escape covered if I use it for business?
  • Should I carry comprehensive and collision coverage?
  • What if I owe more than I can insure my car for?
  • Is upholstery damage covered by car insurance?
  • Why am I required to buy high-risk coverage?
  • Is my camper covered by my car insurance policy?
  • How do I insure my teen driver?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Educate yourself about insurance coverages

Understanding the coverages of your policy helps when choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for bills such as surgery, rehabilitation expenses, X-ray expenses, ambulance fees and pain medications. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

This provides protection from damage that occurs to people or other property by causing an accident. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things like structural damage, medical expenses, court costs, repair costs for stationary objects and bail bonds. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Comprehensive coverages

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from getting keyed, damage from flooding, a broken windshield, vandalism and fire damage. The most your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured and underinsured coverage

This provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Ford Escape.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as scraping a guard rail, crashing into a ditch and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also bump up the deductible to bring the cost down.

In conclusion

Lower-priced 2016 Ford Escape insurance is available both online and with local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some car insurance companies do not offer online quoting and these small, regional companies work with independent agents.

In this article, we presented many ideas to get a better price on insurance. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. You may even discover the best price on car insurance is with a smaller regional carrier.

People leave their current company for a variety of reasons including delays in responding to claim requests, an unsatisfactory settlement offer, delays in paying claims and extreme rates for teen drivers. Regardless of your reason for switching companies, finding a great new company can be easier than you think.

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