2007 Ford Escape Hybrid Insurance Rates – 8 Tips to Save

Tired of sacrificing other expenses to make your insurance payment? You are no different than many other vehicle owners. Multiple auto insurance companies compete for your hard-earned dollar, and it can be difficult to compare rates to find the absolute lowest cost out there.

Consumers need to check insurance prices before your next renewal due to the fact that insurance prices are rarely the same from one policy term to another. Even if you think you had the lowest rates for Escape Hybrid coverage last year you can probably find a better premium rate now. There is too much inaccurate information about insurance online but in this article, you’re going to get a bunch of ideas how to find affordable insurance.

How to buy insurance online

Getting low cost 2007 Ford Escape Hybrid insurance pricing can be surprisingly simple. You just have to spend a few minutes on the computer getting comparison quotes to find out which insurance company has cheap auto insurance quotes. Rate comparisons can be done using a couple different methods.

  1. The recommended way to get the best comparison quotes is to use a rate comparison form click here to open form in new window. This method prevents you from having to do separate quotes to each individual insurance company. Completing one form compares rates instantly.
  2. A more time consuming way to compare prices requires a trip to the website for each individual company and request a quote. For sake of this example, we’ll assume you want to compare Auto-Owners, Farmers and Progressive. You would have to go to every website and type in your information over and over, which can get old fast.

    To view a list of companies in your area, click here.

The method you choose is up to you, but make darn sure you compare nearly identical deductibles and coverage limits on every quote you get. If you compare unequal deductibles or liability limits it will be impossible to make a fair comparison for your Ford Escape Hybrid.

But the ad said I’d save 15% in 15 minutes!

Drivers can’t get away from all the ads that claim the cheapest rates by Allstate, Geico and Progressive. They all seem to make an identical promise about how much you will save just by moving to their company.

That’s great but how can every company charge less that you’re paying now? Here is how they do it.

Insurance providers have a preferred profile for the type of customer that will generate a profit. A good example of a profitable insured may need to be over age 30, owns their home, and drives a car with an anti-theft system. Someone that matches those criteria receives the best prices and will probably save when switching.

Consumers who are not a match for these standards will probably be forced to pay a higher rate with the end result being business going elsewhere. The ads say “people who switch” not “everybody who quotes” save money. This is how companies can truthfully make the claims of big savings. Because of these techniques, you really need to compare as many free auto insurance quotes as you can. It’s just not possible to know which company will have the best rates at this point in time.

Get cheap rates with these eight discounts

Insurance can cost an arm and a leg, but you can get discounts that can help lower your rates. A few discounts will automatically apply at the time of quoting, but less common discounts must be inquired about before you get the savings.

  • Low Miles Discount – Fewer annual miles on your Ford could qualify for substantially lower prices.
  • ABS and Traction Control Discounts – Cars equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
  • Onboard Data Collection – Policyholders that allow driving data submission to spy on where and when they drive by using a telematic data system like Allstate’s Drivewise could see a rate decrease if they have good driving habits.
  • Club Memberships – Joining specific professional or occupational memberships or organizations can get you a small discount on insurance coverage.
  • Defensive Driving Course – Taking time to complete a course teaching defensive driver skills may get you a small discount if you qualify.
  • Seat Belts Save – Drivers who require all vehicle occupants to wear their seat belts can save up to 15% off the medical payments premium.
  • Discounts for Government Workers – Employees or retirees of the government could qualify for a slight premium decrease for Escape Hybrid coverage but check with your company.
  • Responsible Driver Discounts – Accident-free drivers may receive a discount up to 45% for Escape Hybrid coverage than drivers with accidents.

As a footnote on discounts, some credits don’t apply to the entire policy premium. Most only cut individual premiums such as medical payments or collision. So when the math indicates adding up those discounts means a free policy, it doesn’t quite work that way.

A list of companies and a partial list of their discounts can be read below.

  • Geico offers premium reductions for multi-policy, anti-lock brakes, membership and employees, federal employee, and daytime running lights.
  • Auto-Owners Insurance has discounts for multiple vehicles, safe vehicle, anti-theft, group or association, student away at school, and company car.
  • American Family may offer discounts for accident-free, air bags, mySafetyValet, defensive driver, and bundled insurance.
  • Esurance policyholders can earn discounts including renters, good driver, defensive driver, good student, and paid-in-full.
  • Progressive has savings for homeowner, online quote discount, good student, multi-vehicle, online signing, multi-policy, and continuous coverage.
  • State Farm may include discounts for anti-theft, safe vehicle, good driver, Steer Clear safe driver discount, and defensive driving training.
  • AAA may have discounts that include anti-theft, AAA membership discount, pay-in-full, education and occupation, multi-car, multi-policy, and good driver.

Check with every prospective company to apply every possible discount. Savings might not be offered on policies in every state. To find insurers with discount insurance coverage rates, click here.

What is the best insurance coverage coverage?

When it comes to choosing proper insurance coverage for your vehicles, there really is no one size fits all plan. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions might point out whether or not you might need professional guidance.

  • Do I get a pro-rated refund if I cancel my policy early?
  • Does my personal policy cover me when driving out-of-state?
  • Am I covered when driving a rental car?
  • Are all vehicle passengers covered by medical payments coverage?
  • When should I remove comp and collision on my 2007 Ford Escape Hybrid?
  • How do I file an SR-22 for a DUI in my state?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Car insurance coverage information

Learning about specific coverages of your insurance policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are the usual coverages found on the average insurance policy.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for bills for things like pain medications, rehabilitation expenses, hospital visits, doctor visits and EMT expenses. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Auto liability

Liability coverage provides protection from damage or injury you incur to people or other property in an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 that translate to $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 coverage pays for things like loss of income, medical expenses and repair costs for stationary objects. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.

UM/UIM Coverage

Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as damage to your 2007 Ford Escape Hybrid.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Comprehensive or Other Than Collision

This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like rock chips in glass, damage from getting keyed, a tree branch falling on your vehicle, hail damage and hitting a bird. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for collisions

This covers damage to your Escape Hybrid from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like backing into a parked car, colliding with a tree, colliding with another moving vehicle and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Online plus local equals savings

When you buy auto insurance online, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many cases where consumers will sacrifice collision coverage only to find out that the few dollars in savings costed them thousands. The aim is to get the best coverage possible for the lowest price, but do not skimp to save money.

More affordable insurance can be sourced both online as well as from insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies don’t offer internet price quotes and many times these smaller providers sell through independent agents.

We’ve covered a lot of information how to save on 2007 Ford Escape Hybrid insurance. It’s most important to understand that the more companies you get rates for, the higher the chance of saving money. Drivers may discover the lowest priced insurance comes from a small mutual company. Some small companies may often insure only within specific states and give getter rates compared to the large companies like Allstate and Progressive.

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