Shoppers have options when shopping for affordable Ford Escape insurance. They can either waste time driving around trying to get quotes or leverage the internet to compare rates. There is a better way to find insurance online and we’ll show you the absolute fastest way to price shop coverage on a Ford and get the best price possible from local insurance agents and online providers.
The quickest method to get policy rate comparisons utilizes the fact auto insurance companies participate in a system to provide you with a free rate quote. The only thing you need to do is provide a little information such as if it has an anti-theft system, the type of vehicles you drive, whether you are single or married, and your education level. The rating information is then submitted to multiple companies and you get price estimates almost instantly.
Car insurance companies do not list every disount available very clearly, so the list below gives a summary of some of the best known and also the lesser-known discounts you could be receiving when you buy auto insurance online.
As is typical with insurance, most credits do not apply to the entire policy premium. Some only reduce specific coverage prices like comprehensive or collision. So even though you would think all the discounts add up to a free policy, companies wouldn’t make money that way.
Larger auto insurance companies and some of the premium reductions they offer can be found below.
If you need lower rates, check with all the companies which discounts can lower your rates. Some of the discounts discussed earlier may not apply to policyholders in your area.
When it comes to choosing coverage, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs.
For instance, these questions can help discover whether your personal situation may require specific advice.
If you’re not sure about those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.
Learning about specific coverages of auto insurance aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.
UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and damage to your Ford Escape.
Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.
Comprehensive auto coverage – This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for claims such as hail damage, fire damage and hitting a deer. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like doctor visits, dental work, prosthetic devices, funeral costs and chiropractic care. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage
Collision – Collision coverage covers damage to your Escape caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage protects against things such as hitting a mailbox, hitting a parking meter and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.
Liability coverage – This can cover injuries or damage you cause to a person or their property. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.
Liability coverage protects against things like pain and suffering, funeral expenses, loss of income and medical expenses. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.