Save on 2006 Ford Escape Insurance Quotes

No one enjoys paying for insurance coverage, especially knowing they could find better prices if they shop around.

There are many insurance companies to insure vehicles with, and even though it’s nice to be able to choose, it can be more difficult to find the best rates for your vehicles.

Do you qualify for discount auto insurance?

Some providers don’t necessarily list all possible discounts very clearly, so we took the time to find a few of the more common and also the lesser-known credits available to you.

  • Driver’s Ed – Have your child enroll and complete driver’s education in school or through a local driver safety program.
  • Organization Discounts – Affiliation with a qualifying organization is a simple method to lower premiums when getting a insurance quote.
  • Home Ownership Discount – Owning a house can earn you a little savings because owning a home requires personal responsibility.
  • Discounts for Seat Belt Usage – Buckling up and requiring all passengers to buckle up before driving can save up to 15% on medical payment and PIP coverage.
  • Waiver for an Accident – This one is not really a discount per se, but some insurance companies allow you one accident before they charge you more for coverage with the catch being you have to be claim-free for a particular time prior to the accident.
  • Early Switch Discount – Some larger companies give discounts for switching companies prior to the expiration date on your current policy. It could save around 10% when you buy insurance online.

One thing to note about discounts is that many deductions do not apply to the entire policy premium. A few only apply to specific coverage prices like liability and collision coverage. So when it seems like you would end up receiving a 100% discount, you won’t be that lucky.

For a list of insurers that offer multiple discounts, follow this link.

How do insurers determine Ford Escape insurance costs?

Part of the car insurance buying process is learning some of the elements that help calculate car insurance rates. When you understand what controls the rates you pay, this helps enable you to make changes that can help you get big savings.

The items below are a partial list of the pieces utilized by car insurance companies to help set your rate level.

  • Liability insurance is important – Liability coverage will protect you if you are responsible for an accident. This coverage provides for a legal defense which can be incredibly expensive. Liability insurance is quite affordable when compared with rates for comp and collision, so buy as much as you can afford.
  • Cheaper to insure women? – Statistics show women tend to be less risk to insure than men. However, don’t assume that females are better at driving than males. Females and males get in accidents in similar percentages, but guys tend to have more serious accidents. They also get ticketed for serious violations like DWI (DUI) or reckless driving. Youthful male drivers cause the most accidents so it costs more to insure them.
  • Use but don’t abuse your insurance – If you are a frequent claim filer, don’t be surprised to see either a policy non-renewal or much higher rates. Companies give the lowest premiums to drivers who only file infrequent claims. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Where you live – Residing in a small town may provide you with better prices when shopping for auto insurance. Residents of big cities have more auto accidents and more time behind the wheel. Less people means less chance of accidents in addition to fewer liability claims.
  • A lcar insurance lapse is a bad thing – Driving without insurance coverage in place is against the law and you may have a hard time finding new coverage because you let your insurance lapse for non-payment. And not only will your rates increase, not being able to provide proof of insurance could result in a license revocation or jail time.

What insurance coverages do I need?

When buying adequate coverage, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that can help discover if your situation would benefit from professional advice.

  • Is pleasure use cheaper than using my 2006 Ford Escape to commute?
  • How much liability coverage do I need in my state?
  • Am I getting all the discounts available?
  • How do I insure my teen driver?
  • Am I covered if I hit a deer?
  • I have good health insurance, so how much medical payments coverage do I need?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Car insurance 101

Learning about specific coverages of a insurance policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement. Shown next are the normal coverages available from insurance companies.

Liability auto insurance

This provides protection from damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability 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 pays for claims such as emergency aid, repair costs for stationary objects, legal defense fees and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as rock chips in glass, a broken windshield and hail damage. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage

This covers damage to your Escape caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like hitting a parking meter, sideswiping another vehicle, sustaining damage from a pot hole, scraping a guard rail and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like chiropractic care, surgery, doctor visits, pain medications and funeral costs. They are often used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Ford Escape.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

The best insurance company isn’t always the cheapest

In this article, we covered many ways to shop for 2006 Ford Escape insurance online. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. Drivers may discover the lowest premium rates come from a lesser-known regional company. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as State Farm or Progressive.

Some insurance providers do not offer online price quotes regional carriers prefer to sell through local independent agents. Lower-priced 2006 Ford Escape insurance is available from both online companies as well as from independent agents, and you need to price shop both so you have a total pricing picture.

Additional information is located at the links below