Compare 2008 Ford Escape Insurance Quotes

Shoppers have many options when shopping for the lowest priced Ford Escape insurance. You can either waste hours driving around getting price quotes or utilize the internet to make rate comparisons. There are more efficient ways to buy auto insurance and we’ll show you the absolute fastest way to quote coverages for a new or used Ford and obtain the cheapest rates from both online companies and local agents.

It’s smart to check auto insurance prices periodically because insurance prices are adjusted regularly by insurance companies. Just because you found the lowest rates for Escape insurance two years ago there may be better deals available now. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to the easiest way to find the best coverage while lowering your premiums.

Lower rate quotes with these discounts

Auto insurance is not cheap nor is it fun to buy but you might find some hidden discounts that could drop your premiums quite a bit. Certain discounts will be applied when you complete an application, but occassionally some discounts must be specifically requested before you get the savings.

  • Early Switch Discount – A few companies give discounts for switching policies prior to your current policy expiration. The savings is around 10%.
  • Accident Waiver – but companies like GEICO, State Farm, and Progressive will forgive one accident before your rates go up so long as you are claim-free for a certain period of time.
  • Senior Discount – Mature drivers may be able to get a slight reduction on a insurance coverage quote for Escape insurance.
  • Driver Safety – Taking part in a course in defensive driving could save 5% or more and easily recoup the cost of the course.
  • Anti-theft System – Vehicles equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Air Bag Discount – Factory options such as air bags or motorized seat belts can get savings of 20 to 30 percent.
  • Multiple Cars – Buying a policy with primary and secondary vehicles on the same auto insurance policy can reduce rates for all insured vehicles.
  • Pay Upfront and Save – By paying your entire bill at once instead of paying each month you can avoid monthly service charges.

A little disclaimer on discounts, most credits do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as medical payments or collision. Despite the fact that it seems like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

Some of the insurance companies that have some of the discounts shown above include:

When quoting, ask every insurance company which discounts can lower your rates. Savings might not be offered on policies in your area.

Shop insurance coverage online

Finding cheap 2008 Ford Escape insurance coverage rates is not a difficult process. The only thing you need to do is take a couple of minutes comparing free insurance coverage quotes to see which company has inexpensive insurance coverage quotes. Shoppers can get rates by using one of the methods below.

  • The best way to find low rates is a comparison rater form click to view form in new window. This method keeps you from doing separate quotation requests for every insurance coverage company. A single, simple form gets you coverage quotes from many national carriers. This is perfect if you don’t have a lot of time.
  • A different way to find more affordable insurance is going to the website of each company and get a separate price quote. For instance, we’ll assume you want to view quotes from USAA, 21st Century and American Family. To do that, you would have to visit each site and punch in your information repeatedly, which can be really labor intensive.

    For a handy list of car insurance company links in your area, click here.

Whichever way you use, do your best to use exactly the same coverage data on every price quote you get. If your comparisons have different data it’s not possible to determine which rate is truly the best.

What determines Ford Escape insurance costs?

Many things are part of the calculation when you quote your car insurance policy. Some are obvious such as your driving record, although some other factors are not as apparent like your continuous coverage and annual miles driven.

  • Discounts for auto and home policies – The majority of insurance companies allow better rates for people who consolidate policies with them. It’s known as a multi-policy discount. Even with this discount applied, consumers should still compare other insurance prices to make sure you are getting the best deal.
  • Better premiums on vehicles with better crash test results – Cars with five star safety ratings tend to have better insurance rates. These vehicles reduce injuries and lower injury rates translates directly to fewer claims and thus lower rates. If your Ford Escape is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.
  • Vehicles with better crash test results that lower rates – Selecting a car model with anti-theft technology or alarm system can help lower your premiums. Systems that thwart theives such as OnStar, LoJack tracking, and tamper alarms can thwart car theft.
  • Better drivers pay less – A bad driving record influences premium rates substantially. Just one driving citation can increase the cost of insurance by twenty percent. Good drivers have lower premiums as compared to those with violations. Drivers with careless tickets such as hit and run, DWI or reckless driving convictions may find that they have to to file a SR-22 with their state in order to continue driving.
  • Do you save by driving less? – The higher the miles on your Ford each year the higher your rates will be. Almost all companies rate vehicles based on how the vehicle is used. Vehicles that sit idle most of the time receive better premium rates than those used for commuting. It’s a smart idea to ensure your auto insurance coverage is showing the correct usage for each vehicle, because improper ratings can cost you money. Improper usage on your Escape may be costing you higher rates.
  • Does your vocation cost you more? – Do you work in a high-stress field? Occupations such as real estate brokerspolice officers and miners have higher premiums than the average policyholder because of high stress levels and lots of time spent at work. On the other hand, occupations such as actors, students and performers receive lower rates for Escape insurance.
  • Liability limits are a factor – Liability insurance is the coverage that protects you if ever you are found liable for damages from an accident. This coverage provides legal defense which can be incredibly expensive. Liability insurance is quite affordable compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.

Auto insurance can be complex

When it comes to buying proper insurance coverage, there is no “best” method to buy coverage. Everyone’s needs are different.

For instance, these questions might point out whether your personal situation may require specific advice.

  • Is other people’s property covered if stolen from my vehicle?
  • Should I buy full coverage?
  • What is the ISO rating for a 2008 Ford Escape?
  • How high should my uninsured/underinsured coverage be in my state?
  • At what point should I drop full coverage?
  • When should my teen driver be added to my policy?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form. It is quick, free and can help protect your family.

Auto insurance companies are expert advertisers

Consumers can’t get away from ads for auto insurance savings by State Farm and Allstate. They all seem to make the promise about saving some big amount if you get a free insurance coverage quote and switch to them.

Is it even possible that every company can save you money?

Insurance companies are able to cherry pick for the type of customer that will not have excessive claims. One example of a desirable risk may be over the age of 35, carries full coverage, and drives less than 5,000 miles a year. Someone who matches that profile will most likely get cheap prices and have a good chance to save money with a new company.

Drivers who may not quite match the ideal profile may be forced to pay higher prices and business not being written. The trick companies use is to say “customers who switch” but not “all drivers who get quotes” save that kind of money. That is how insurance companies can confidently make claims that they all have the best car insurance rates. This really drives home the point why you really need to do a quote comparison often. Because you never know the company that will provide you with the cheapest rates.

Detailed coverages of your car insurance policy

Understanding the coverages of a car insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive auto coverage

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like falling objects, theft and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision protection

Collision insurance covers damage to your Escape resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as hitting a mailbox, colliding with a tree and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Auto liability insurance

This coverage can cover damage or injury you incur to people or other property that is your fault. It protects you against claims from other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims such as funeral expenses, repair costs for stationary objects and attorney fees. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Medical payments and PIP coverage

Med pay and PIP coverage pay for expenses like hospital visits, nursing services, dental work and EMT expenses. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers both the driver and 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 but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Escape.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Keep this in mind

In this article, we covered a lot of techniques to get a better price on 2008 Ford Escape insurance. The key concept to understand is the more price quotes you have, the higher the chance of saving money. Consumers may even find the lowest rates are with a smaller regional carrier.

As you prepare to switch companies, never skimp on coverage in order to save money. In many instances, consumers will sacrifice liability coverage limits only to discover later they didn’t have enough coverage. The aim is to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

People change insurance companies for a variety of reasons including high prices, policy non-renewal, not issuing a premium refund and an unsatisfactory settlement offer. It doesn’t matter what your reason, switching companies is pretty easy and you might even save some money in the process.

Additional insurance coverage information is located at these links: