View 2008 Ford Escape Hybrid Insurance Quotes

Trying to find the cheapest insurance coverage rates for your Ford Escape Hybrid? Finding cheap insurance coverage is always a challenge for people not familiar with online price comparisons. With literally dozens of insurers to choose from, it can easily turn into a real challenge to find the best premium rates.

Insurance policy discounts you can’t miss

Auto insurance companies do not list the complete list of policy discounts very clearly, so the list below details a few of the more well known and also the more inconspicuous discounts that you may qualify for. If you aren’t receiving every discount available, you could be getting lower rates.

  • Driving Data Discount – Drivers who agree to allow their insurance company to monitor driving habits by using a small device installed in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could see a rate decrease as long as the data is positive.
  • Auto/Home Discount – If you can combine your homeowners and auto policy with the same company you could save as much as 10 to 15 percent.
  • Employee of Federal Government – Having worked for a branch of the government could qualify for a slight premium decrease for Escape Hybrid coverage with select insurance companies.
  • Multi-Vehicle Discounts – Purchasing coverage when you have more than one vehicle with one company can get a discount on all vehicles.
  • Defensive Driver Discounts – Passing a course that instructs on driving safety could earn you a small percentage discount and easily pay for the cost of the class.
  • First Accident Forgiveness – Not really a discount, but some insurance companies allow you one accident without getting socked with a rate hike if you have no claims for a certain period of time.
  • Discount for Good Grades – A discount for being a good student may save as much as 25% on a auto insurance quote. Most companies allow this discount until age 25.

Don’t be surprised that most discount credits are not given to the entire policy premium. Most only cut the cost of specific coverages such as liability and collision coverage. So when it seems like you would end up receiving a 100% discount, that’s just not realistic.

A list of companies and some of their more popular discounts are included below.

  • Progressive offers discounts for multi-policy, good student, homeowner, online signing, online quote discount, and continuous coverage.
  • AAA includes discounts for AAA membership discount, anti-theft, multi-car, education and occupation, multi-policy, pay-in-full, and good driver.
  • Farmers Insurance may have discounts that include early shopping, mature driver, switch companies, multi-car, homeowner, and business and professional.
  • GEICO discounts include air bags, anti-theft, driver training, daytime running lights, and membership and employees.
  • Esurance offers discounts including good student, homeowner, anti-theft, Switch & Save, anti-lock brakes, and online shopper.
  • SAFECO may offer discounts for anti-theft, homeowner, safe driver, anti-lock brakes, bundle discounts, teen safety rewards, and multi-car.
  • State Farm may include discounts for safe vehicle, anti-theft, Steer Clear safe driver discount, passive restraint, and defensive driving training.

When getting a coverage quote, ask each insurance company which credits you are entitled to. Some of the discounts discussed earlier might not be offered in your area.

Save money with these tips

Many factors are considered when quoting car insurance. Some of the criteria are obvious such as your driving record, but some are more obscure like your continuous coverage or how financially stable you are.

The items below are a few of the things used by your company to calculate rates.

  • Is you employer costing you more? – Careers such as military personnelpolice officers and stock brokers generally pay higher average rates due to intense work situations and long work hours. Other careers like actors, athletes and the unemployed pay the least for Escape Hybrid coverage.
  • Single vs. married – Having a spouse actually saves money compared to being single. Having a spouse is viewed as being more mature and responsible and statistics show married drivers get in fewer accidents.
  • Avoid traffic tickets – Good drivers have lower premiums compared to bad drivers. Only having one speeding ticket can bump up the cost by twenty percent. Drivers unfortunate enough to have dangerous violations such as reckless driving, hit and run or driving under the influence may find they need to file a SR-22 with their state motor vehicle department in order to prevent a license revocation.
  • Insurance premiums and driver gender – Over the last 50 years, statistics have shown that females tend to be a little less risky than males. However, don’t assume that men are WORSE drivers than women. Females and males cause fender benders at about the same rate, but guys have accidents that have higher claims. Men also tend to get higher numbers of serious violations like driving under the influence (DUI). Males from age 16 to 21 are the most expensive to insure and are penalized with high auto insurance rates.
  • Urban areas may pay more – Living in small towns and rural areas is a good thing when talking about auto insurance. Less people living in that area translates into fewer accidents in addition to lower liability claims Urban drivers have traffic congestion and a longer drive to work. Higher commute times means more chances of being involved in an auto accident.
  • Youthful drivers pay more – Older, more experienced drivers are proven to be safer behind the wheel, tend to cause fewer accidents and get fewer tickets.Young drivers have been known to be careless and easily distracted when driving with friends so they pay higher auto insurance rates.
  • Defend yourself with liability coverage – The liability coverage on your policy will protect you if ever you are found to be at fault for causing damage or personal injury in an accident. This coverage provides legal defense to defend your case. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so drivers should make sure they buy enough to cover all assets.
  • Lower comp and collision deductibles cost more – Protection for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Ford. Some examples of covered claims could be colliding with a building, damage from fire, and damage from a fallen tree branch. The deductibles you choose represent how much money you are willing to pay if you file a covered claim. The more damage repair cost the insured is willing to pay, the less money you will pay for auto insurance for Escape Hybrid coverage.

Insurance agents can help

When it comes to buying the best car insurance coverage, there is no best way to insure your cars. Everyone’s situation is a little different.

Here are some questions about coverages that may help you determine whether your personal situation could use an agent’s help.

  • Do I pay less if my vehicle is kept in my garage?
  • Who is covered by my policy?
  • Can I rate high risk drivers on liability-only vehicles?
  • Does my 2008 Ford Escape Hybrid need full coverage?
  • Do I benefit by insuring my home with the same company?
  • Do I need added coverage for expensive stereo equipment?
  • Does coverage extend to a rental car in a foreign country?
  • Why am I required to buy liability insurance?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form.

Are you falling for claims of savings?

Popular insurance coverage providers such as State Farm and Allstate constantly bombard you with ads on TV and radio. All the ads have a common claim that drivers will save a bundle if you get a free auto insurance quote and switch your insurance coverage policy to them. How is it plausible that every one can give you a lower rate? It’s all in the numbers.

Most companies look for specific characteristics for the type of insured that earns them the most money. For instance, a driver they prefer may be between the ages of 30 and 50, has had continuous coverage, and drives a car with an anti-theft system. A driver who matches that profile receive the lowest rate quotes and will cut their rates if they switch.

Potential customers who may not quite match the requirements will probably be forced to pay a more expensive rate and business going elsewhere. If you listen to the ad wording, they say “drivers who switch” not “everyone that quotes” can get the lowest rates when switching. That’s the way insurance companies can state the savings. This emphasizes why drivers should get auto insurance quotes from several different companies. It is just not possible to predict with any certainty which company will provide you with the cheapest rates.

Insurance coverages 101

Learning about specific coverages of your policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hitting a deer, a tree branch falling on your vehicle, fire damage, vandalism and hail damage. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Coverage for collisions

This coverage covers damage to your Escape Hybrid resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as colliding with another moving vehicle, damaging your car on a curb, hitting a parking meter and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Ford Escape Hybrid.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Auto liability

Liability coverage protects you from damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values 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 coverage pays for claims like bail bonds, emergency aid and medical services. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as rehabilitation expenses, X-ray expenses and dental work. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Have the Midas touch

Cheaper 2008 Ford Escape Hybrid insurance can be bought on the web and also from your neighborhood agents, so you need to quote auto insurance with both in order to have the best chance of saving money. Some companies do not offer rates over the internet and many times these regional insurance providers only sell coverage through local independent agencies.

We’ve covered many ideas to lower your 2008 Ford Escape Hybrid insurance prices. It’s most important to understand that the more companies you get rates for, the better your chances of lowering your rates. You may even discover the lowest priced auto insurance comes from a small local company.

Insureds leave their current company for many reasons like lack of trust in their agent, extreme rates for teen drivers, policy cancellation and policy non-renewal. No matter why you want to switch, finding a great new company is pretty simple and you could end up saving a buck or two.

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