Cheaper 2007 Ford Escape Insurance Quotes

I doubt anyone rejoices having to buy insurance coverage, especially when they are aware that they could find better rates elsewhere. Online insurance companies like Geico, 21st Century and Progressive promote their brand names with ad campaigns and it is challenging if not impossible to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

The method we recommend to compare rate quotes is to know the fact most larger insurance companies actually pay money for the chance to provide you with a free rate quote. The only thing you need to do is give the companies some data including driver ages, whether the vehicles are used for commuting, your credit rating estimate, and how much school you completed. The data gets transmitted to all major companies and you get price estimates instantly.

Do car insurance companies bend the truth?

Drivers get pounded daily by advertisements for the lowest price car insurance from companies such as State Farm, Allstate and Geico. They all seem to advertise claims of big savings if you move your coverage.

Is it even possible that every company can charge lower premium rates? It’s all in how they say it.

All companies require specific criteria for the type of customer that is profitable for them. For example, this type of driver may be between 25 and 40, has a clear driving record, and has a short commute. A driver that fits those parameters receives the best premium rates as well as cut their rates if they switch.

Insureds who may not quite match the ideal profile may be forced to pay higher prices and business going elsewhere. The trick companies use is to say “people who switch” but not “all drivers who get quotes” save that much money. That’s the way companies can truthfully claim big savings.

That is why you really should get a wide range of price quotes. It is impossible to predict which insurance companies will have the lowest rate quotes.

Use discounts on insurance coverage

Insurance coverage is expensive, but you might be missing out on some discounts that you may not even know about. Larger premium reductions will be automatically applied at the time of purchase, but lesser-known reductions have to be specially asked for in order for you to get them.

  • Seat Belts Save – Drivers who require all vehicle occupants to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.
  • Buy New and Save – Adding a new car to your policy can cost up to 25% less because newer models are generally safer.
  • Good Grades Discount – This discount can earn a discount of 20% or more. Many companies even apply the discount to college students well after school through age 25.
  • Senior Discount – Older drivers may be able to get a small decrease in premiums for Escape coverage.
  • Data Collection Discounts – Drivers who elect to allow driving data collection to monitor their driving habits by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive might see lower rates if they have good driving habits.
  • Low Mileage Discounts – Driving fewer miles may allow you to get lower rates due to less chance of an accident.
  • Government Employees – Active or former government employment may reduce rates when you quote car insurance for Escape coverage but check with your company.
  • Discount for Swiching Early – A few larger companies give discounts for switching policies prior to the expiration date on your current policy. Ten percent is about the average savings.
  • Theft Prevention Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen so companies will give you a small discount.
  • Air Bags and Passive Restraints – Cars that have air bags and/or automatic seat belt systems can get savings of more than 20%.

Just know that many deductions do not apply the the whole policy. The majority will only reduce individual premiums such as collision or personal injury protection. Even though the math looks like you can get free auto insurance, that’s just not realistic.

Popular insurance coverage companies and some of the premium reductions they offer are:

  • American Family may include discounts for good student, multi-vehicle, bundled insurance, accident-free, defensive driver, early bird, and Steer into Savings.
  • Farm Bureau offers discounts including renewal discount, multi-vehicle, 55 and retired, youthful driver, multi-policy, and good student.
  • State Farm has savings for defensive driving training, accident-free, Steer Clear safe driver discount, safe vehicle, multiple autos, good driver, and passive restraint.
  • Travelers may offer discounts for driver training, home ownership, hybrid/electric vehicle, multi-car, multi-policy, continuous insurance, and payment discounts.
  • The Hartford includes discounts for anti-theft, vehicle fuel type, defensive driver, good student, bundle, driver training, and air bag.
  • Geico offers premium reductions for anti-theft, driver training, multi-vehicle, multi-policy, membership and employees, anti-lock brakes, and five-year accident-free.
  • Progressive policyholders can earn discounts including good student, online signing, homeowner, continuous coverage, multi-vehicle, and online quote discount.

When getting free car insurance quotes, it’s a good idea to every insurance company which discounts they offer. Some of the earlier mentioned discounts might not be offered in every state.

Tailor your car insurance coverage to you

When choosing coverage, there is no “perfect” insurance plan. Every situation is different so your insurance should reflect that For instance, these questions may help highlight whether or not you would benefit from an agent’s advice.

  • How much underlying liability do I need for an umbrella policy?
  • Should I sign the liability waiver when renting a car?
  • What vehicles should carry emergency assistance coverage?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Am I covered when driving a rental car?
  • Is my 2007 Ford Escape covered for flood damage?
  • Am I missing any policy discounts?
  • Can I still get insurance after a DUI?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Car insurance coverages for a 2007 Ford Escape

Learning about specific coverages of car insurance aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. These are the usual coverages available from car insurance companies.

Comprehensive auto coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, damage from getting keyed, theft and hail damage. The maximum payout your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage

Collision coverage pays to fix your vehicle from damage 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 coverage protects against things like colliding with another moving vehicle, colliding with a tree, hitting a mailbox and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and also any damage incurred to your Ford Escape.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these coverages are identical to your policy’s liability coverage.

Liability auto insurance

Liability insurance provides protection from damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims such as medical expenses, repair bills for other people’s vehicles, court costs, attorney fees and structural damage. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like pain medications, rehabilitation expenses, prosthetic devices, X-ray expenses and funeral costs. They are often utilized in addition to your health insurance plan 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 coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

The bottom line

When searching for cheap car insurance quotes, do not buy less coverage just to save a little money. There are many occasions where someone dropped uninsured motorist or liability limits only to regret at claim time that it was a big error on their part. Your goal is to purchase a proper amount of coverage at a price you can afford, but do not skimp to save money.

In this article, we presented a lot of information how to reduce 2007 Ford Escape insurance auto insurance rates online. The key thing to remember is the more companies you get premium rates for, the more likely it is that you will get a better rate. You may even find the lowest priced car insurance comes from some of the lesser-known companies. Some small companies may cover specific market segments cheaper as compared to the big name companies such as Allstate and Progressive.

For more information, take a look at these articles: