2006 Ford Escape Insurance Rates – 6 Tips for Cheaper Quotes

Trying to find cheaper insurance rates for your Ford Escape? Nobody that owns a car looks forward to paying premiums for insurance, especially knowing they could get a better deal.

Many insurers compete for your insurance dollar, so it’s not easy to compare every insurer and get the best coverage at the best rate

It’s a great practice to take a look at other company’s rates yearly due to the fact that insurance prices tend to go up over time. Despite the fact that you may have had the lowest price on Escape insurance last year other companies may now be cheaper. Block out anything you think you know about insurance because you’re about to find out the right way to lower your rates without sacrificing coverage.

If you are paying for car insurance now, you should be able to reduce your rates substantially using these techniques. Buying car insurance is easy if you know what you’re doing. But drivers must learn how insurance companies sell online and take advantage of how the system works.

Do you qualify for discount auto insurance?

Some companies don’t list all disounts in a way that’s easy to find, so the following is a list of both well-publicized and the more hidden ways to save on auto insurance.

  • Telematics Discount – Drivers who elect to allow data collection to scrutinize driving patterns remotely such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks as long as the data is positive.
  • Military Discounts – Being on active deployment in the military may qualify for rate reductions.
  • Good Grades Discount – A discount for being a good student can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Distant Student – Children living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
  • Club Memberships – Belonging to a professional or civic organization is a good way to get lower rates on your next renewal.
  • Discount for Multiple Policies – When you combine your home and auto insurance with the same insurance company you will save at least 10 to 15 percent or more.

We need to note that some of the credits will not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, it’s just not the way it works.

Popular auto insurance companies and a summarized list of policyholder discounts are included below.

  • Travelers has savings for hybrid/electric vehicle, driver training, multi-policy, multi-car, payment discounts, and save driver.
  • 21st Century offers premium reductions for driver training, 55 and older, automatic seat belts, anti-lock brakes, theft prevention, and air bags.
  • State Farm offers discounts for safe vehicle, multiple policy, defensive driving training, multiple autos, and driver’s education.
  • GEICO policyholders can earn discounts including seat belt use, air bags, daytime running lights, emergency military deployment, driver training, multi-policy, and five-year accident-free.
  • SAFECO may have discounts that include homeowner, accident prevention training, drive less, multi-car, teen safety rewards, and anti-lock brakes.
  • AAA offers discounts including multi-car, multi-policy, good student, education and occupation, good driver, pay-in-full, and anti-theft.

If you need lower rates, check with each insurance company which discounts you qualify for. Some credits may not apply in every state. If you would like to see a list of auto insurance companies offering auto insurance discounts, click here to view.

Compare auto insurance price quotes

When looking for cheap insurance quotes, there are a couple ways to compare quotes from many different insurance companies. The recommended way to compare rates is to perform an online rate comparison. It’s really quite simple and can be done using a couple different methods.

The most recommended method to find the lowest comparison rates is an all-inclusive rate comparison click to view form in new window. This easy form saves time by eliminating separate forms to each individual auto insurance company. One quote request gets prices estimates from multiple low-cost companies.

A harder way to find lower rates is going to the website for every company you want to comare and complete a new quote form. For instance, we’ll pretend you want to compare rates from Nationwide, GEICO and Liberty Mutual. To get each rate you have to take the time to go to each site and repeatedly enter your information, which explains why we recommend starting with the first method. To view a list of companies in your area, click here.

Whichever way you use, double check that you are using the exact same quote data on every quote you get. If your comparisons have different data it will be impossible to determine which rate is truly the best. Quoting even small variations in coverage limits may result in large price differences. And when comparison shopping, making a lot of price comparisons provides better odds of finding lower pricing.

What insurance coverages do I need?

When choosing the right insurance coverage, there isn’t really a single plan that fits everyone. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that may help highlight if your situation might need an agent’s assistance.

  • Do I need to file an SR-22 for a DUI in my state?
  • Do I really need UM/UIM coverage?
  • Should I have a commercial auto policy?
  • How can I find cheaper teen driver insurance?
  • How can I force my company to pay a claim?
  • Is my dog or cat covered if injured in an accident?
  • Where can I get insurance after a DUI in my state?
  • Am I covered by my spouse’s policy after a separation?
  • Is a new car covered when I drive it off the dealer lot?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, complete this form or click here for a list of auto insurance companies in your area.

What auto insurance coverages do you need?

Having a good grasp of auto insurance aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on most auto insurance policies.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Usually these coverages are set the same as your liablity limits.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like dental work, funeral costs, hospital visits, nursing services and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision coverage protection

This covers damage to your Escape caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as driving through your garage door, crashing into a building and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to bump up the deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as vandalism, theft, hail damage, damage from getting keyed and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for liability

Liability insurance can cover injuries or damage you cause to people or other property. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as emergency aid, pain and suffering and medical expenses. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Find Good Coverage for Less

Affordable 2006 Ford Escape insurance can be purchased on the web and from local insurance agents, so you need to quote insurance with both to have the best selection. There are still a few companies who do not offer rates over the internet and many times these regional carriers prefer to sell through independent insurance agencies.

We just showed you a lot of ways to shop for 2006 Ford Escape insurance online. The key concept to understand is the more companies you get prices for, the better your chances of lowering your prices. You may even discover the lowest priced car insurance comes from a small mutual company. Smaller companies may often insure only within specific states and give getter rates compared to the large companies like Progressive and GEICO.

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