Save on 2010 Ford Escape Hybrid Car Insurance Cost

Looking for the cheapest car insurance rates for your Ford Escape Hybrid? Have you had enough of trying to scrape together enough money to pay your car insurance bill each month? You have the same problem as many other vehicle owners. You have multiple insurance companies to purchase coverage from, and even though it’s nice to be able to choose, it can be more challenging to find the lowest cost provider.

Learn how to lower your insurance premiums

The best way to find cheaper car insurance is to take a look at a few of the rating criteria that help determine car insurance rates. When you understand what determines base rates, this helps enable you to make changes that may reward you with big savings. Lots of things are part of the equation when you quote your car insurance policy. Some are pretty understandable like your driving record, but other factors are more transparent like your continuous coverage or how safe your car is.

The factors shown below are a partial list of the pieces used by your company to calculate premiums.

  • Don’t get traffic citations – Your driving record influences premium rates substantially. Attentive drivers pay lower auto insurance prices than people who have multiple driving citations. Having just one ticket can increase the cost of insurance twenty percent or more. Drivers who have gotten serious violations like reckless driving, hit and run or driving under the influence are required to submit a SR-22 form to the state department of motor vehicles in order to legally drive.
  • Annual mileage and car insurance costs – Driving more miles in a year’s time the more you’ll pay to insure it. Almost all companies rate vehicles based upon how much you drive. Cars left parked in the garage qualify for better rates than those used for commuting. Verify your declarations sheet is rated on annual mileage. A policy that improperly rates your Escape Hybrid is just wasting money.
  • Too many claims and you’ll pay more – Auto insurance companies give the lowest premiums to people who are claim-free. If you tend to file frequent claims, you can expect much higher rates or policy non-renewal. Your insurance policy is intended for more catestrophic claims.
  • Eliminate extra coverages – There are quite a few add-on coverages that you can get tricked into buying if you don’t pay attention. Coverages like coverage for rental cars, death and dismemberment, and term life insurance may be wasting your money. You may think they are a good idea at first, but if you’ve never needed them in the past consider taking them off your policy.
  • Gender as a rate factor – Over the last 30 years, statistics show women are more cautious behind the wheel. However, don’t assume that men are WORSE drivers than women. Women and men get in auto accidents in similar numbers, but the males have accidents that have higher claims. In addition to higher claims, males also have more aggressive citations like driving under the influence (DUI).
  • Your address can affect price – Choosing to live in less populated areas has it’s advantages when trying to find low car insurance rates. People who live in big cities tend to have more traffic problems and more time behind the wheel. Fewer drivers on the road translates into fewer accidents in addition to lower liability claims
  • Save money with GPS tracking and theft deterrents – Driving a car with advanced anti-theft systems can help lower your rates. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart vehicle theft.

Free insurance rate quotes

Most of the larger companies like Allstate, Geico and Progressive allow you to get coverage prices directly from their websites. This process is quite simple as you simply enter as detailed in the form. Behind the scenes, the system pulls information on your driving record and credit history and provides a quote. Online price estimates helps simplify price comparisons, but the process of having to visit several different sites and type in your information is a waste of time. But it’s also necessary to perform this step if you want to get the lowest price.

There is a better way to compare rates

A more efficient way to locate the lowest prices requires only one form that obtains quotes from more than one company. This type of form saves time, helps eliminate reptitive entry, and makes online shopping much more efficient. After sending your information, it is rated with multiple companies and you can pick any one of the resulting price quotes. If you find a better price you can click and sign and buy the new coverage. The whole process just takes a couple of minutes and you will find out if you’re overpaying now.

In order to fill out one form to compare multiple rates now, simply click here to open in new window and begin entering your coverage information. If you currently have coverage, we recommend you copy the insurance coverages exactly as shown on your declarations page. This guarantees you will get an apples-to-apples comparison based on the exact same insurance coverage.

More affordable rates with these discounts

Auto insurance is easily one of your largest bills, but you might be missing out on some discounts that can dramatically reduce your bill. Some discounts apply automatically when you quote, but once in a while a discount must be asked for before they will apply. If you don’t get every credit possible, you’re just leaving money on the table.

  • Memberships – Joining specific professional or occupational memberships or organizations may earn a discount when shopping for auto insurance.
  • Paperless Signup – A few larger online companies will give you a small discount simply for signing on the web.
  • Safety Course Discount – Taking time to complete a course teaching safe driver skills can save you 5% or more and easily pay for the cost of the class.
  • Safe Drivers – Safe drivers can get discounts for up to 45% lower rates for Escape Hybrid coverage compared to rates paid by drivers with frequent claims.
  • Claim Free – Claim-free drivers can earn big discounts when compared with drivers who are more careless.

Remember that some credits don’t apply to your bottom line cost. Some only apply to individual premiums such as liability and collision coverage. So despite the fact that it appears you can get free auto insurance, companies wouldn’t make money that way.

To find providers that can offer you the previously mentioned discounts, click this link.

Auto insurance can be complex

When it comes to buying the best auto insurance coverage for your personal vehicles, there is no one size fits all plan. Every insured’s situation is different so your insurance should reflect that For example, these questions might help in determining whether or not you will benefit from professional help.

  • Do I need to file an SR-22 for a DUI in my state?
  • What exactly is covered by my policy?
  • Do I need rental car coverage?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is a blown tire covered by insurance?
  • Is business equipment covered while in my vehicle?
  • Can I afford low physical damage deductibles?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, complete this form or click here for a list of auto insurance companies in your area. It’s fast, free and may give you better protection.

Car insurance coverages and their meanings

Knowing the specifics of a car insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverages found on most car insurance policies.

Liability

This can cover damage or injury you incur to other’s property or people. This insurance protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability can pay for claims like court costs, medical expenses and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Collision protection

This pays for damage to your Escape Hybrid from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like hitting a mailbox, sideswiping another vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as damage from getting keyed, vandalism and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like EMT expenses, rehabilitation expenses, surgery, funeral costs and ambulance fees. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants and also covers being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Ford Escape Hybrid.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Smart shoppers get results

We just covered a lot of tips how to save on 2010 Ford Escape Hybrid insurance. The key concept to understand is the more providers you compare, the better likelihood of getting cheaper insurance. You may even discover the lowest rates come from a company that doesn’t do a lot of advertising. Regional companies may only write in your state and offer lower car insurance rates than their larger competitors like Allstate and Progressive.

There are still a few companies who may not offer the ability to get a quote online and these small insurance companies only sell through local independent agencies. Discount 2010 Ford Escape Hybrid insurance can be purchased online and with local insurance agents, and you need to price shop both to have the best selection.

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