2011 Ford Escape Insurance Quotes – 10 Ideas for Cheaper Rates

Buying affordable insurance may at first seem to be somewhat difficult for people who are new to online price comparisons. With so many agents and online companies available, how can anyone have a chance to compare every insurance company to find better insurance prices?

If you currently have a car insurance policy, you will be able to save some money using this information. This information will introduce you to the most effective way to quote insurance and some money-saving tips. Nevertheless, vehicle owners should learn how companies sell online and use this information to your advantage.

How to lower your insurance cost

There are multiple methods to shop for insurance, and some are less time-consuming than others. You could spend the better part of a day driving to insurance companies in your area, or you can utilize the web to maximize your effort.

Many popular insurance companies belong to a marketplace that enables customers to submit their information once, and each participating company can give them a price determined by their information. This prevents consumers from doing quotation requests to each individual insurance company.

To find out what other companies charge click here to open in new window.

The single downside to doing it this way is buyers cannot specifically choose which companies you want pricing from. So if you want to choose from a list of companies for rate comparison, we have a page of low cost insurance companies in your area. View list of insurance companies.

How you compare quotes is your choice, just make sure you use exactly the same coverages for each quote you get. If you enter different liability limits it’s impossible to determine which company has the best rates. Quoting even small variations in coverage limits can mean a large discrepancy in price. And when comparison shopping, comparing a large number of companies increases your odds of finding more affordable rates. Some regional insurers cannot provide prices over the internet, so you also need to get quotes from the smaller companies as well.

Cheap car insurance quotes with discounts

Some insurers don’t always advertise every available discount very well, so here is a list a few of the more well known as well as the least known credits available to lower your premiums when you buy car insurance online.

  • Policy Bundle Discount – If you combine your auto and homeowners policies with one company you could get a discount of at least 10 to 15 percent or more.
  • Low Mileage Discounts – Low mileage vehicles can earn lower premium rates due to less chance of an accident.
  • Sign Early and Save – Some car insurance companies provide a discount for switching companies prior to your current policy expiring. The savings is around 10%.
  • Clubs and Organizations – Affiliation with qualifying clubs or civic groups could qualify you for a break when getting a car insurance quote.
  • Theft Deterent System – Cars, trucks, and SUVs optioned with advanced anti-theft systems are less likely to be stolen and therefore earn up to a 10% discount.
  • E-sign – A handful of companies will give a small break for buying a policy and signing up on their website.
  • Service Members Pay Less – Being on active duty in the military could be rewarded with lower prices.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to take driver’s ed class as it will make them better drivers and lower rates.
  • Discounts for New Vehicles – Insuring a vehicle that is new can save you some money since newer models are generally safer.
  • 55 and Retired – Older drivers may receive a discount up to 10% on Escape coverage.

Don’t be surprised that many deductions do not apply to your bottom line cost. Some only apply to individual premiums such as comprehensive or collision. So even though they make it sound like all the discounts add up to a free policy, companies don’t profit that way. Any qualifying discounts will bring down your policy cost.

Popular car insurance companies and a selection of discounts are:

  • Progressive has savings for multi-policy, online signing, multi-vehicle, homeowner, online quote discount, continuous coverage, and good student.
  • SAFECO discounts include safe driver, anti-theft, teen safety rewards, multi-car, anti-lock brakes, and drive less.
  • American Family offers premium reductions for TimeAway discount, good driver, mySafetyValet, accident-free, Steer into Savings, early bird, and defensive driver.
  • MetLife may offer discounts for accident-free, good driver, claim-free, good student, and multi-policy.
  • Geico includes discounts for membership and employees, multi-policy, emergency military deployment, seat belt use, good student, and military active duty.
  • The Hartford may include discounts for defensive driver, good student, air bag, vehicle fuel type, anti-theft, and driver training.

If you need lower rates, check with every prospective company how many discounts you can get. Discounts may not be available in every state. If you would like to view car insurance companies with discount rates, click here to view.

Tailor your insurance coverage to you

When choosing the right insurance coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique.

These are some specific questions might help in determining whether or not you may require specific advice.

  • Should I have a commercial auto policy?
  • Do I have newly-aquired coverage?
  • Exactly who is provided coverage by my policy?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • How much liability insurance is required?
  • Is my babysitter covered when using my vehicle?
  • Should I carry comprehensive and collision coverage?
  • Is my 2011 Ford Escape covered for flood damage?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form.

Information about specific coverages

Understanding the coverages of your policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Collision insurance

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

Collision can pay for things like scraping a guard rail, hitting a parking meter and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Auto liability insurance

This coverage protects you from damages or injuries you inflict on other people or property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

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 values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like attorney fees, legal defense fees, pain and suffering, bail bonds and structural damage. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for doctor visits, pain medications, prosthetic devices and surgery. They can be used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

This provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these coverages do not exceed the liability coverage limits.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as fire damage, theft, hail damage, rock chips in glass and damage from a tornado or hurricane. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

One last thing

In this article, we covered a lot of tips how to compare 2011 Ford Escape insurance rates online. The key thing to remember is the more price quotes you have, the higher your chance of finding cheap car insurance. Consumers may even find the best rates are with the smaller companies.

Drivers switch companies for many reasons like high prices, denial of a claim, questionable increases in premium and not issuing a premium refund. Regardless of your reason for switching companies, finding a new auto insurance company can be easier than you think.

When shopping online for auto insurance, do not sacrifice coverage to reduce premiums. In many instances, someone sacrificed physical damage coverage only to regret that the few dollars in savings costed them thousands. The goal is to buy the best coverage you can find for the lowest price but still have enough coverage for asset protection.

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