Compare 2008 Ford Escape Hybrid Car Insurance Cost

Are you sick and tired of sacrificing other expenses to make your insurance payment? You have the same problem as many other consumers.

Due to the abundance of companies and agents to choose from, it is very difficult to choose the cheapest company.

The most recommended method to compare car insurance company rates is to know the trick auto insurance companies participate in online systems to compare their rates. All consumers are required to do is provide information such as if it has an alarm system, if you require a SR-22, level of coverage desired, and driver ages. The rating information is instantly provided to multiple insurance providers and you receive quotes with very little delay.

More affordable rates with discounts

Some companies don’t list every available discount very well, so the list below gives a summary of both well-publicized and also the more inconspicuous credits available to you.

Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
Discount for Swiching Early – Some companies give discounts for switching policies early. This can save 10% or more.
First Accident Forgiveness – Not necessarily a discount, but companies like State Farm, Progressive and Geico allow you one accident before your rates go up so long as you are claim-free for a specific time period.
Senior Citizen Discount – Drivers over the age of 55 may receive a slight reduction on a insurance quote on Escape Hybrid insurance.
Federal Government Employee – Simply working for the federal government could qualify for a slight premium decrease on Escape Hybrid insurance depending on your auto insurance provider.
Discount for Multiple Policies – If you have multiple policies with the same insurance company you may earn up to 20% and get you affordable insurance.
Discount for Passive Restraints – Cars that have air bags and/or automatic seat belt systems can get savings as much as 30%.

Keep in mind that many deductions do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as medical payments or collision. Even though it appears you could get a free auto insurance policy, you’re out of luck.

Popular auto insurance companies and some of the discounts include:

21st Century discounts include anti-lock brakes, early bird, driver training, theft prevention, defensive driver, and automatic seat belts.
Progressive offers discounts including online signing, multi-vehicle, homeowner, multi-policy, good student, continuous coverage, and online quote discount.
State Farm policyholders can earn discounts including Drive Safe & Save, multiple policy, accident-free, student away at school, driver’s education, and passive restraint.
Nationwide has savings for business or organization, anti-theft, family plan, accident-free, and Farm Bureau membership.
Esurance includes discounts for good driver, online quote, safety device, good student, paid-in-full, and homeowner.
The Hartford offers discounts for bundle, defensive driver, air bag, vehicle fuel type, anti-theft, driver training, and good student.

Check with every insurance company which discounts can lower your rates. A few discounts may not be offered in every state.

What is the best insurance coverage?

When it comes to choosing proper insurance coverage for your vehicles, there really is not a single plan that fits everyone. Every insured’s situation is different so your insurance needs to address that. These are some specific questions may help highlight whether you could use an agent’s help.

Am I covered if hit by an uninsured driver?
Does my 2008 Ford Escape Hybrid need full coverage?
Should I get collision insurance on every vehicle?
If I drive on a suspended license am I covered?
Should I rate my 2008 Ford Escape Hybrid as pleasure use or commute?
Is my vehicle covered by my employer’s policy when using it for work?
Does my policy cover my teen driver if they drive my company car?
Am I covered if I wreck a rental car?
When should I remove comp and collision on my 2008 Ford Escape Hybrid?
Do I pay less for low miles?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Car insurance coverages for a 2008 Ford Escape Hybrid

Knowing the specifics of insurance can help you determine the best coverages and the correct deductibles and limits. Insurance terms can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on the average insurance policy.

Uninsured or underinsured coverage

This coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Ford Escape Hybrid.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Auto collision coverage

Collision insurance will pay to fix damage to your Escape Hybrid from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like sustaining damage from a pot hole, colliding with a tree and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Comprehensive protection

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from getting keyed, a tree branch falling on your vehicle, damage from a tornado or hurricane and vandalism. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for bills for things like ambulance fees, X-ray expenses, EMT expenses and doctor visits. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability coverages

This coverage protects you from injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for things such as repair bills for other people’s vehicles, repair costs for stationary objects and court costs. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.