Cheaper 2004 Ford Escape Car Insurance Quotes

Want the cheapest insurance rates for your Ford Escape? Trying to find the cheapest insurance for a new or used Ford Escape could be a painful process, but you can learn a few tricks to make it easier. There are more efficient ways to compare insurance rates and you need to know the proper way to price shop coverage for a new or used Ford and locate the cheapest rates from both online companies and local agents.

You should make it a habit to compare rates every six months because insurance prices change frequently. Even if you got the best rates for Escape insurance a year ago there may be better deals available now. You can find a lot of wrong information about insurance online but by reading this article, you’re going to learn some great ideas on how to stop overpaying for insurance.

Shop car insurance online

Most companies give pricing direct online. Doing online quotes is possible for anyone as all you need to do is type in your personal and coverage information as detailed in the form. Once entered, the quote system makes automated requests for credit information and your driving record and provides a quote based on many factors.

Quoting online simplifies rate comparisons, but having to visit several different sites and complete many quote forms is repetitive and time-consuming. But it’s necessary to perform this step in order to get the lowest price.

Keep reading for an easier way to compare prices

The smarter way to lower your rates utilizes a single form that obtains quotes from several different companies. It saves time, helps eliminate reptitive entry, and makes price shopping online a little more enjoyable. After sending the form, it gets priced with multiple companies and you can pick any or none of the resulting price quotes. If you find a better price you can click and sign and buy the new coverage. The entire process just takes a couple of minutes and could lower your rates considerably.

To save time and use this form to compare rates, click here to open in a new tab and input your coverage information. To compare your current rates, we recommend you complete the form with the coverage information as shown on your current policy. Doing this assures you will receive rate quotes for exact coverage.

Discounts can really help lower rates

Properly insuring your vehicles can get expensive, but you might be missing out on some discounts that may help make it more affordable. A few discounts will automatically apply when you purchase, but a few must be asked about before you will receive the discount.

• Passenger Safety Discount – Vehicles with factory air bags or motorized seat belts could see savings of 20% or more.
• Anti-theft System – Cars with anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your car insurance quote.
• Own a Home – Being a homeowner may trigger a policy discount on insurance because it requires personal responsibility.
• Accident-Free Discounts – Drivers with accident-free driving histories can earn big discounts as compared to frequent claim filers.
• Memberships – Being a member of a qualifying organization can get you a small discount on insurance.

Consumers should know that most of the big mark downs will not be given to your bottom line cost. The majority will only reduce individual premiums such as comp or med pay. Even though it appears adding up those discounts means a free policy, companies wouldn’t make money that way. Any qualifying discounts should help reduce the amount you have to pay.

Large insurance companies and some of their more popular discounts are outlined below.

• Farm Bureau may include discounts for 55 and retired, driver training, good student, youthful driver, multi-policy, and multi-vehicle.
• MetLife offers discounts for defensive driver, accident-free, good driver, good student, claim-free, and multi-policy.
• Progressive has discounts for homeowner, online signing, good student, multi-vehicle, and multi-policy.
• AAA discounts include good driver, multi-policy, education and occupation, multi-car, and anti-theft.
• American Family has savings for defensive driver, good driver, mySafetyValet, good student, TimeAway discount, and air bags.
• Geico may have discounts that include seat belt use, defensive driver, good student, daytime running lights, anti-theft, military active duty, and multi-policy.
• State Farm offers premium reductions for multiple policy, anti-theft, multiple autos, student away at school, and passive restraint.

When quoting, ask each company what discounts are available to you. Depending on the company, some discounts may not be offered in every state. To see a list of insurance companies that provide some of the discounts listed above, click this link.

Will just any policy work for me?

When choosing the right insurance coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that can help discover whether you may require specific advice.

• Do I have coverage when using my vehicle for my home business?
• Does my policy pay for OEM or aftermarket parts?
• Does my 2004 Ford Escape need full coverage?
• When should I not file a claim?
• Is upholstery damage covered by car insurance?
• Do I have coverage when making deliveries for my home business?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Coverages available on your insurance policy

Knowing the specifics of your policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like ambulance fees, dental work and EMT expenses. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and damage to your Ford Escape.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Collision insurance

This coverage will pay to fix damage to your Escape resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as backing into a parked car, crashing into a building, scraping a guard rail and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Liability

Liability insurance protects you from damage that occurs to other’s property or people in an accident. This coverage protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims like legal defense fees, repair bills for other people’s vehicles and bail bonds. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Comprehensive insurance

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as rock chips in glass, falling objects and hitting a deer. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.