Cheaper 2010 Ford Escape Insurance Rates

Trying to find the cheapest insurance for a Ford Escape can turn out to be an all-consuming task, but you can follow our insurance coverage buying tips to make it easier. There is a right way and a wrong way to find insurance coverage online and you need to know the quickest way to price shop coverage for your Ford and obtain the best price possible.

It’s a good idea to compare prices periodically due to the fact that insurance rates are usually higher with each renewal. Just because you had the best premium rates on Escape coverage last year a different company probably has better prices today. Forget anything you know (or think you know) about insurance coverage because we’re going to show you the tricks you need to know to save on insurance coverage.

How to get free car insurance quotes online

Getting a low cost price on 2010 Ford Escape insurance is not a difficult process. Just invest a little time comparing rates from online providers. It’s really simple and can be done by following the guidelines below.

  1. One of the best ways consumers can analyze rates is a comparison rater form click here to open form in new window. This quick form keeps you from doing separate quotes for each price estimate. One form gets you coverage quotes from all major companies. This is by far the quickest method.
  2. A slightly less efficient method to analyze rates consists of visiting the website for every company you want to comare and repeat the quote process again and again. For examples sake, let’s assume you want to compare Liberty Mutual, Progressive and GEICO. You would be required to go to every website to input your insurance information, and that’s why the first method is more popular.

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

Whichever way you use, try to use identical quote data for each price quote. If you are comparing mixed coverages then you won’t be able to make a fair rate comparison.

Insurance Discounts

Some insurers do not advertise the entire discount list very clearly, so the following list contains both the well known and also the more inconspicuous credits available to bring down your rates.

  • Discounts for Government Workers – Active or retired federal employment could provide a small rate reduction on Escape coverage depending on your insurance provider.
  • Life Insurance – If the company offers life insurance, you could get lower rates if you buy life insurance.
  • Sign Early and Save – Select companies give a discount for switching to them early. This can save 10% or more.
  • Passenger Safety Discount – Vehicles with factory air bags could see savings of 25 to 30%.
  • Driver Safety – Taking time to complete a defensive driving course can save you 5% or more if you qualify.
  • Senior Citizen Discount – Seniors can get reduced rates on Escape coverage.
  • Military Deployment Discount – Being on active deployment in the military may qualify for rate reductions.
  • Data Collection Discounts – Drivers that enable their company to monitor when and where they use their vehicle by using a telematics device in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts if they have good driving habits.
  • Discount for Multiple Policies – If you insure your home and vehicles with the same insurance company they may give you a discount of 10% to 20% off each policy.
  • Buy New and Save – Insuring a vehicle that is new can cost up to 25% less because newer vehicles have to meet stringent safety requirements.

Consumers should know that some credits don’t apply to the entire policy premium. Some only reduce the price of certain insurance coverages like medical payments or collision. So even though it sounds like you would end up receiving a 100% discount, that’s just not realistic. But all discounts will definitely reduce the amount you pay for coverage.

If you would like to see a list of insurance companies who offer insurance discounts, follow this link.

Tailor your insurance coverage coverage to you

When choosing coverage for your personal vehicles, there is no perfect coverage plan. Every situation is different.

For example, these questions may help highlight whether your personal situation might need professional guidance.

  • Should I put collision coverage on all my vehicles?
  • When should I remove comp and collision on my 2010 Ford Escape?
  • How can I force my company to pay a claim?
  • Who is covered by my policy?
  • Is my ex-spouse still covered by my policy?
  • Are split liability limits better than a combined single limit?
  • Will I lose any money if I cancel my policy before it expires?
  • What vehicles should carry emergency assistance coverage?
  • How does medical payments coverage work?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

What determines Ford Escape insurance premiums?

Many factors are taken into consideration when quoting car insurance. Some of the criteria are obvious such as your driving history, although some other factors are more obscure such as your marital status or how financially stable you are.

Listed below are some of the factors companies use to determine your premiums.

  • Insure your auto and home with one company – The majority of companies will award a discount to customers who buy several policies from them. It’s known as a multi-policy discount. Even with this discount applied, it’s still a good idea to compare other insurance prices to help ensure you have the lowest rates. Consumers may save money even if you insure with multiple companies
  • Marriage brings a discount – Being married helps lower the price on your policy. Marriage demonstrates that you tend to be more financially stable and it’s proven that drivers who are married file infrequent claims.
  • Your job is a factor – Do you work in a high-stress field? Jobs like military generals, architects and miners have higher rates than the rest of us attributed to intense work-related stress and lengthy work days. On the other hand, professions such as actors, historians and homemakers have lower than average premiums on Escape coverage.
  • With age comes responsibility – Youthful drivers have been known to be more careless when behind the wheel so insurance coverage rates are higher. More experienced drivers have been proven to be more responsible, statistically cause fewer accidents and receive fewer citations.
  • Low comp and collision deductibles can be expensive – Comp and collision deductibles tell how much you are willing to pay if you file a covered claim. Physical damage protection, aka comp and collision, is used to repair damage to your car. Some examples of claims that would be covered are colliding with a stationary object, fire damage, and having a roll-over accident. The more damage repair cost you have to pay, the lower your rates will be on Escape coverage.
  • Remove unneeded extra coverages – Insurance policies have a lot of additional coverages that sound like a good idea at the time if you aren’t careful. Insurance for rental car reimbursement, accidental death, and extra equipment coverage are examples of these. The coverages may be enticing at first, but your needs may have changed so consider taking them off your policy.
  • Never let your insurance coverage policy expire – Having a lapse in insurance coverage will be a quick way to drive up your policy premiums. Not only will you pay higher rates, the inability to provide proof of insurance may earn you a fine, jail time, or a revoked license. You will then be forced to file a SR-22 with your state DMV.
  • Improve your credit score – Having a good credit history can be a huge factor in calculating your insurance coverage rates. Consumers who have high credit ratings tend to be better risks to insure than drivers with lower credit ratings. So if your credit history can be improved, you may save money insuring your 2010 Ford Escape if you improve your credit rating.

Parts of your auto insurance policy

Understanding the coverages of auto insurance can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Uninsured and underinsured coverage

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and damage to your 2010 Ford Escape.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Collision coverage protection

Collision insurance will pay to fix damage to your Escape resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as sideswiping another vehicle, crashing into a ditch, hitting a mailbox, colliding with another moving vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive coverages

This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as theft, fire damage, vandalism, hail damage and damage from a tornado or hurricane. The most your auto insurance company will pay 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.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses for EMT expenses, nursing services, surgery, X-ray expenses and pain medications. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Liability car insurance

This coverage will 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 damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage protects against things like loss of income, court costs, legal defense fees and medical expenses. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Don’t break the bank

Discount 2010 Ford Escape insurance can be found from both online companies and from local insurance agents, so get free car insurance quotes from both of them in order to have the best chance of saving money. There are still a few companies who don’t offer online rate quotes and most of the time these smaller companies sell through local independent agencies.

We just presented a lot of information how to save on 2010 Ford Escape insurance. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from a lesser-known regional company.

People leave their current company for a number of reasons such as not issuing a premium refund, unfair underwriting practices, delays in paying claims or high rates after DUI convictions. Regardless of your reason for switching companies, choosing a new insurance company is pretty easy and you might even save some money in the process.

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