View 2015 Ford Escape Car Insurance Rates

Searching for better car insurance rates? Consumers have options when looking for affordable Ford Escape insurance. You can either spend your time struggling with agents getting price quotes or leverage the internet to compare rates. There is a better way to find car insurance online so you’re going to learn the best way to get price quotes on a Ford and get the lowest possible price from local insurance agents and online providers.

Choosing the best insurance company for you is not that difficult. If you have car insurance now, you will be able to reduce your rates substantially using these methods. Vehicle owners just need to know the tricks to shop online.

Get cheap car insurance with these tips

Many different elements are part of the calculation when pricing auto insurance. A few of the factors are predictable like an MVR report, although others are not quite as obvious like your vehicle usage and annual miles driven.It’s important that you understand the different types of things that help calculate your car insurance rates. If you understand what determines base rates, this allows you to make educated decisions that could help you find better car insurance rates.

The itemized list below are a few of the things utilized by car insurance companies to help set your rate level.

  • Policy add-ons add up – Insurance companies have many extra bells and whistles that you can buy but may not be useful. Coverages for rental car reimbursement, better glass coverage, and extra equipment coverage are examples of these. They may seem like a good idea when discussing your needs, but if you don’t need them eliminate them to save money.
  • Prices impacted by your city – Living in small towns and rural areas can be a good thing if you are looking for the lowest rates. Drivers who live in large cities regularly have congested traffic and higher rates of accident claims. Fewer drivers and short commutes means fewer accidents.
  • Male costs may be higher – Statistics demonstrate women are more cautious behind the wheel. Now that doesn’t mean women are better drivers. Women and men cause auto accidents in similar numbers, but the men have costlier accidents. Men also statistically get cited for more serious violations such as DWI and reckless driving. Young males are the most expensive to insure and thus pay the highest rates.
  • A good credit score can save money – Your credit rating can be a huge factor in calculating your car insurance rates. Insureds with very good credit scores tend to be better drivers and file fewer claims than those with poor credit. Therefore, if your credit score can be improved, you could potentially save money when insuring your 2015 Ford Escape by spending a little time repairing your credit.
  • Poor driving habits leads to higher premiums – Whether or not you get tickets impacts premiums far more than you think. Good drivers pay lower auto insurance prices than their less careful counterparts. Only having one speeding ticket can bump up the cost by twenty percent. Drivers unfortunate enough to have multiple violations such as reckless driving or DUI may find that they have to to maintain a SR-22 with the DMV in their state in order to keep their license.
  • Safer cars that cut rates – Choosing a vehicle with a theft deterrent system can save you some money. Theft prevention devices like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help stop auto theft and help lower rates.
  • Cheaper rates with high deductibles – Comp and collision deductibles represent how much money you are willing to pay out-of-pocket if you file a covered claim. Coverage for physical damage, aka comp and collision, insures against damage to your car. Examples of covered claims could be colliding with a stationary object, collision with a deer, and damage caused by road hazards. The larger the amount you choose to pay out-of-pocket, the lower your rates will be on Escape insurance.

Discounts can really help lower premiums

Some insurance providers don’t always publicize the complete list of policy discounts very clearly, so the following is a list of a few of the more common and also the more inconspicuous credits available to lower your premiums when you buy auto insurance online.

  • Payment Discounts – If you pay your bill all at once instead of paying each month you can avoid the installment charge.
  • Own a Home and Save – Being a homeowner may trigger a policy discount on auto insurance since home ownership shows financial diligence.
  • Data Collection Discounts – Policyholders that allow their insurance company to spy on driving habits by using a small device installed in their vehicle such as Progressive’s Snapshot might see lower rates if their driving habits are good.
  • Low Mileage Discounts – Low annual miles could be rewarded with slightly better auto insurancerates than normal.
  • E-sign – A handful of auto insurance companies will provide an incentive for buying a policy and signing up over the internet.

Discounts lower rates, but some of the credits will not apply to all coverage premiums. Some only reduce individual premiums such as liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, auto insurance companies aren’t that generous.

Auto insurance companies that may include these discounts may include but are not limited to:

If you want low cost auto insurance quotes, ask all companies you are considering how you can save money. Some credits might not be offered on policies in every state. If you would like to view insurance companies that offer discounts, follow this link.

Car insurance companies are expert advertisers

Consumers can’t get away from ads for cheaper car insurance from companies such as 21st Century, Allstate and State Farm. They all seem to advertise the message that drivers can save some big amount if you move your car insurance coverage to their company.

Is it even possible that every company can charge you a lower premium? Here is the trick they use.

Insurance providers can use profiling for the driver that is profitable for them. An example of a desirable risk could possibly be married and over the age of 30, carries high limits, and the vehicle is rated for pleasure use. Any new insured who matches those parameters gets the lowest rates and therefore will cut their rates if they switch.

Drivers who don’t meet these standards must pay higher rates which results in the prospect going elsewhere. The ad wording is “people who switch” not “everyone who quotes” will save that much if they switch. That is how insurance companies can claim big savings. That is why it is so important to get auto insurance quotes as often as possible. It’s not possible to predict with any certainty which company will have the lowest rates for your situation.

Will just any policy work for me?

When it comes to choosing coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Every situation is different.

For example, these questions may help highlight whether or not you would benefit from professional advice.

  • Where can I find high-risk insurance?
  • Do I have any recourse if my insurance company denies a claim?
  • Is motorclub coverage worth it?
  • What is roadside assistance coverage?
  • Can I afford to buy a different vehicle if my 2015 Ford Escape is totaled?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Should I buy full coverage?
  • Does my 2015 Ford Escape need full coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, complete this form. It’s fast, free and can provide invaluable advice.

Information about specific coverages

Understanding the coverages of a car insurance policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Auto collision coverage

This covers damage to your Escape resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like crashing into a building, sustaining damage from a pot hole and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.

Liability

Liability insurance will cover injuries or damage you cause to other people or property by causing an accident. This insurance 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 for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims like structural damage, pain and suffering, loss of income and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.

Comprehensive coverage

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as fire damage, falling objects, damage from flooding and hail damage. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for short-term medical expenses for things like dental work, surgery, rehabilitation expenses and chiropractic care. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for injuries to you and your family and damage to your Ford Escape.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Shop Smart and Save

We covered a lot of techniques to reduce 2015 Ford Escape insurance prices online. The key concept to understand is the more quotes you get, the better your chances of lowering your rates. Consumers could even find that the lowest prices come from a small local company.

As you prepare to switch companies, it’s a bad idea to buy lower coverage limits just to save a few bucks. In too many instances, someone sacrificed uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy enough coverage for the lowest cost, but do not skimp to save money.

Discount 2015 Ford Escape insurance can be purchased from both online companies as well as from insurance agents, and you should compare rates from both in order to have the best chance of saving money. Some insurance companies may not provide rate quotes online and most of the time these smaller companies provide coverage only through independent agents.

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