Lower Your 2011 Ford Escape Hybrid Insurance Rates

Looking for lower auto insurance rates for your Ford Escape Hybrid? Finding low-cost insurance for a new or used Ford Escape Hybrid can normally be difficult, but you can learn the following methods and make it easy. There are both good and bad ways to shop for auto insurance and we’ll show you the best way to compare rates on a Ford and locate the lowest possible price either online or from local insurance agents.

If you have a current insurance policy or are just looking to switch companies, you can use these techniques to find better prices while maximizing coverage. Pricing the lowest cost coverage is not that difficult. Drivers only need an understanding of the proper methods to find the lowest price online.

Affordable insurance price quotes

Most larger insurance companies such as Allstate and Progressive allow you to get price estimates from their websites. Doing online price comparisons is easy for anyone as you simply enter your personal and coverage information into the quote form. Once you submit the form, their rating system sends out for your driving record and credit report and returns a price quote based on these factors.

Online quotes helps simplify price comparisons, but the time it takes to visit each company’s website and repetitively type in the same information is monotonous and tiresome. But it’s absolutely necessary to perform this step if you want to find lower prices.

Quote rates the easy way

The preferred way to locate the lowest prices makes use of a single form to get prices from a lot of companies. It’s a real time-saver, requires much less work on your part, and makes online quotes much easier to do. After sending your information, it is rated and you are able to buy any or none of the pricing results. If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase the new policy. The whole process takes 15 minutes at the most and can result in significant savings.

To compare rates using this form now, click here to open in a new tab and submit the form. To compare your current rates, we recommend that you enter as shown on your current policy. Doing this assures you are getting a fair comparison for exact coverage.

Can you really save $447 a year?

Consumers constantly see and hear ads for insurance savings by Allstate and Progressive. All the companies say the same thing that people will save after switching your coverage to them.

How is it possible that every company can claim to save you money? Here is the trick they use.

Insurance companies give the best rates for the type of driver that is profitable for them. A good example of this type of risk profile could be over the age of 45, insures multiple vehicles, and does not commute to work. Any driver that fits those parameters receives the best premium rates and as a result will probably save a lot of money.

Drivers who fall short of the requirements must pay higher premiums and ends up with the prospect going elsewhere. If you pay attention, the ads say “people that switch” not “everybody who quotes” save that much when switching. This is how companies can truthfully make those statements. Because of these techniques, you absolutely need to compare quotes as often as possible. It’s impossible to know which company will provide the lowest premium rates.

Quote Ford Escape Hybrid insurance at a discount

Lots of factors are part of the equation when premium rates are determined. Some are pretty understandable such as your driving history, but some are less obvious like where you live and annual miles driven.Smart consumers have a good feel for the different types of things that play a part in calculating your insurance coverage rates. If you have a feel for what determines premiums, this allows you to make good choices that could result in big savings.

The following are a few of the “ingredients” used by companies to determine rates.

  • Insurance rates and driver gender – Over time, data shows females are less aggressive when driving. That doesn’t necessarily mean that men are worse drivers. Both sexes cause fender benders at about the same rate, but males get into accidents with more damage. Men also tend to receive more major tickets such as reckless driving.
  • Never let your policy expire – Going without insurance will be a sure-fire way to drive up your policy premiums. Not only will rates go up, not being able to provide proof of insurance may result in fines and jail time. You will then be forced to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Policy add-ons could be costing you – Policies have add-on coverages that may not really be needed if you aren’t diligent. Coverage for things like roadside assistance, accidental death, and motor club memberships may be wasting your money. They may seem like a good idea when buying your policy, but if you have no use for them remove them from your policy.
  • Insure car and home with the same company – Most major insurers apply better rates to people that have more than one policy. It’s known as a multi-policy discount. Even if you’re getting this discount it’s still a good idea to comparison shop to make sure you are getting the best deal. Consumers may find lower rates even if you insure with multiple companies
  • What are your coverage deductibles? – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Ford from damage. Some instances where coverage would apply could be a dented fender, hail damage, or theft. Comp and collision deductibles define the amount you are willing to pay in the event of a claim. The higher the amount the insured is willing to pay, the less money you will pay for insurance coverage for Escape Hybrid coverage.
  • Your address can influence costs – Residing in less populated areas has it’s advantages when insuring your vehicles. Less people living in that area translates into fewer accidents and lower theft and vandalism rates. City drivers have to deal with much more traffic and longer commutes to work. The longer drive time means more chances of being involved in an auto accident.
  • More mileage equals more premium – The more you drive each year the higher your rate. Almost all companies apply a rate partially by how you use the vehicle. Cars that do not get driven very much qualify for better rates than cars that get driven a lot. It’s a smart idea to ensure your insurance coverage policy shows the right rating data. Having the wrong rating on your Escape Hybrid can result in significantly higher rates.

Insurance quotes and discounts

Some companies don’t always list every policy discount very clearly, so the below list has some of the best known in addition to some of the lesser obvious insurance savings.

  • Safety Restraint Discount – Drivers who require all occupants to wear their seat belts could cut 10% or more off the PIP or medical payment premium.
  • Anti-lock Brakes – Cars and trucks equipped with ABS or steering control have fewer accidents so you can save 10 percent or more.
  • Telematics Discount – Insureds that choose to allow driving data submission to spy on driving habits by using a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease if they exhibit good driving behavior.
  • Senior Citizens – Older drivers are able to get a discount up to 10% for Escape Hybrid coverage.
  • Pay Now and Pay Less – If you pay your bill all at once as opposed to paying monthly you could save up to 5%.
  • Driver Training Discounts – Taking a class that teaches defensive driving techniques could cut 5% off your bill depending on where you live.
  • Student in College – Older children who live away from home at college and leave their car at home can receive lower rates.
  • Sign Online – Some companies give back up to $50 for buying your policy on the web.
  • Theft Deterent System – Cars and trucks optioned with advanced anti-theft systems are less likely to be stolen and that can save you a little bit as well.

Consumers should know that most discounts do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like comp or med pay. Even though it may seem like you can get free auto insurance, you won’t be that lucky.

Popular insurance companies and a selection of discounts include:

  • Travelers may offer discounts for hybrid/electric vehicle, payment discounts, IntelliDrive, new car, driver training, and save driver.
  • 21st Century offers discounts including early bird, good student, air bags, defensive driver, and driver training.
  • State Farm offers premium reductions for passive restraint, accident-free, multiple autos, driver’s education, good driver, multiple policy, and Steer Clear safe driver discount.
  • Geico includes discounts for good student, five-year accident-free, anti-lock brakes, emergency military deployment, membership and employees, anti-theft, and multi-vehicle.
  • SAFECO has discounts for anti-lock brakes, teen safe driver, accident prevention training, anti-theft, and safe driver.
  • AAA discounts include multi-car, education and occupation, good student, good driver, anti-theft, multi-policy, and AAA membership discount.

It’s a good idea to ask every prospective company how you can save money. A few discounts might not be available to policyholders in your area.

Situations that may require an agent’s advice

When it comes to choosing coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is a little different.

For example, these questions may help highlight whether or not you would benefit from professional advice.

  • Can I afford to pay high deductible claims out of pocket?
  • Should I buy full coverage?
  • Will my insurance pay for OEM parts?
  • Should I get collision insurance on every vehicle?
  • Do I need more liability coverage?
  • What is roadside assistance coverage?
  • Is a fancy paint job covered?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form. It is quick, free and you can get the answers you need.

Parts of your insurance policy

Understanding the coverages of your policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and also any damage incurred to your Ford Escape Hybrid.

Due to the fact that many drivers carry very low liability coverage 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.

Coverage for liability

Liability insurance will cover damages or injuries you inflict on other’s property or people by causing an accident. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability insurance covers claims like funeral expenses, repair bills for other people’s vehicles and court costs. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like surgery, rehabilitation expenses and dental work. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as vandalism, rock chips in glass, fire damage and falling objects. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for collisions

Collision coverage pays for damage to your Escape Hybrid caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like hitting a parking meter, colliding with a tree and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

Shop Smart and Save

We covered quite a bit of information on how to lower your 2011 Ford Escape Hybrid insurance premium rates. The key concept to understand is the more companies you get prices for, the better your comparison will be. You may be surprised to find that the best price on insurance coverage is with the smaller companies.

People who switch companies do it for any number of reasons including denial of a claim, policy cancellation, poor customer service or even high rates after DUI convictions. Regardless of your reason, finding a new company is not as difficult as it may seem.

As you shop your coverage around, make sure you don’t reduce coverage to reduce premium. In too many instances, an accident victim reduced comprehensive coverage or liability limits and found out when filing a claim that the small savings ended up costing them much more. The proper strategy is to purchase a proper amount of coverage at the best cost while not skimping on critical coverages.

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