2006 Ford Escape Hybrid Insurance Rates – 5 Savings Tips

Locating cheaper insurance for a Ford Escape Hybrid can be a painful process, but you can use a few tricks to find lower rates. There is a better way to buy auto insurance so you’re going to learn the absolute fastest way to quote coverages for a new or used Ford and get the lowest possible price from local insurance agents and online providers.

It is always a good idea to compare prices on a regular basis due to the fact that insurance prices fluctuate regularly. Even if you think you had the best price on Escape Hybrid coverage six months ago you can probably find a better rate now. There are lots of tips to save on auto insurance on the internet, but you can learn a lot of great tips on how to buy auto insurance cheaper.

Buying car insurance is easy if you know what you’re doing. If you have insurance now or are just looking to switch companies, you can learn to find better prices while maintaining coverages. Drivers only need to know the proper way to compare price quotes online.

How to buy car insurance online

Shopping for lower car insurance rates can take hours if you don’t utilize the most efficient way. You could waste a few hours discussing policy coverages with agents in your area, or you can stay home and use the internet to get the quickest rates.

Many of the larger companies enroll in a system where insurance shoppers send in one quote, and each company returns a rated price based on that data. This saves time by eliminating form submissions to each company.

To use this form to compare rates click here to start a free quote.

The single downside to doing it this way is you can’t choose the insurers you want pricing from. So if you want to choose from a list of companies to compare, we have a page of car insurance companies in your area. View list of insurance companies.

The approach you take is up to you, just try to keep apples-to-apples coverage data with each company. If you are comparing differing limits it’s impossible to determine which company has the best rates.

Do you qualify for discount insurance?

Some companies do not advertise the entire discount list very clearly, so we took the time to find both well-publicized as well as the least known credits that may apply to you.

  • Theft Deterent Discount – Vehicles equipped with anti-theft or alarm systems are less likely to be stolen and qualify for as much as a 10% discount.
  • Defensive Driver Discounts – Taking part in a driver safety class could earn you a small percentage discount if your company offers it.
  • Save over 55 – Seniors may qualify for a discount up to 10% on Escape Hybrid coverage.
  • Discounts for Safe Drivers – Insureds who avoid accidents can save up to 40% or more on their auto insurance quote on Escape Hybrid coverage compared to accident prone drivers.
  • Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.

While discounts sound great, it’s important to understand that many deductions do not apply to the entire policy premium. Some only apply to the price of certain insurance coverages like medical payments or collision. Even though the math looks like it’s possible to get free car insurance, nobody gets a free ride.

Larger insurance companies and some of the discounts can be found below.

  • State Farm includes discounts for safe vehicle, defensive driving training, accident-free, student away at school, and good student.
  • Liberty Mutual may offer discounts for multi-car, exclusive group savings, newly married, newly retired, new vehicle discount, and teen driver discount.
  • American Family offers discounts for accident-free, air bags, TimeAway discount, Steer into Savings, early bird, bundled insurance, and defensive driver.
  • Progressive has savings for multi-policy, online signing, continuous coverage, online quote discount, good student, multi-vehicle, and homeowner.
  • Farmers Insurance policyholders can earn discounts including business and professional, pay in full, teen driver, youthful driver, early shopping, and bundle discounts.
  • Auto-Owners Insurance offers discounts including air bags, multi-policy, anti-lock brakes, anti-theft, and multiple vehicles.
  • SAFECO may include discounts for teen safe driver, bundle discounts, teen safety rewards, drive less, anti-lock brakes, homeowner, and anti-theft.

Double check with all the companies to apply every possible discount. Discounts might not apply in your area. To see insurance companies that offer multiple discounts, click this link.

What insurance coverages do I need?

When buying coverage, there really is not a cookie cutter policy. Everyone’s situation is a little different.

For instance, these questions could help you determine if your situation might need professional guidance.

  • Can I afford to buy a different vehicle if my 2006 Ford Escape Hybrid is totaled?
  • Does coverage extend to Mexico or Canada?
  • Which is better, split liability limits or combined limits?
  • Am I covered if I hit a deer?
  • Do I have any recourse if my insurance company denies a claim?
  • How much liability insurance is required?
  • Why do I need rental car insurance?
  • I have health insurance so do I need medical payments coverage?

If you’re not sure about those questions then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form. It is quick, free and can provide invaluable advice.

Drivers who switch save $410 a year? Really?

Consumers can’t ignore all the ads that claim the best premium rates from companies such as State Farm, Allstate and GEICO. All the ads convey the message that drivers will save a bundle if you switch your insurance coverage coverage to their company.

That’s great but how can every company offer drivers better rates? Just pay attention to how they say it.

Insurance companies have a preferred profile for the type of driver that earns them a profit. For instance, a preferred risk could possibly be over the age of 45, is a homeowner, and drives a safe vehicle. Any driver who matches those parameters will get the preferred car insurance rates and most likely will cut their rates if they switch.

People who don’t meet this ideal profile will be charged a more expensive rate which leads to the driver buying from a lower-cost company. If you pay attention, the ads say “people who switch” not “all people who quote” save that much. That is how companies can advertise the savings. Because every company is different, drivers should compare quotes as often as possible. Because you never know which company will have the lowest rate quotes.

Parts of your car insurance policy

Having a good grasp of your policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hitting a deer, hail damage, damage from flooding, damage from getting keyed and fire damage. The most your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision protection

Collision coverage covers damage to your Escape Hybrid caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as driving through your garage door, crashing into a building, sustaining damage from a pot hole and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Uninsured and underinsured coverage

This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as damage to your Ford Escape Hybrid.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Coverage for liability

This coverage will cover injuries or damage you cause to people or other property in an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims like funeral expenses, medical services and emergency aid. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for immediate expenses such as dental work, surgery, prosthetic devices, doctor visits and hospital visits. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Have money to burn

People who switch companies do it for many reasons like unfair underwriting practices, high prices, an unsatisfactory settlement offer or even extreme rates for teen drivers. No matter why you want to switch, switching companies can be pretty painless.

We just showed you some good ideas how you can lower your 2006 Ford Escape Hybrid insurance car insurance rates. The key concept to understand is the more times you quote, the higher your chance of finding the cheapest auto insurance. You may even find the best price on auto insurance is with some of the lesser-known companies.

When getting auto insurance quotes online, make sure you don’t sacrifice coverage to reduce premiums. There have been many situations where someone dropped liability limits or collision coverage only to find out that they should have had better coverage. Your strategy should be to buy a smart amount of coverage at the best cost, but do not sacrifice coverage to save money.

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