Cheaper 2012 Ford Escape Car Insurance Quotes

Trying to find low-cost insurance for a Ford Escape can turn out to be difficult, but you can learn the following methods to find lower rates.

There are more efficient ways to find auto insurance online and you need to know the quickest way to compare rates on a Ford and obtain the best price possible from both online companies and local agents.

Locating cheaper car insurance coverage is simple if you know the tricks. If you have a policy now or are shopping for new coverage, you can use these techniques to find better prices and possibly find even better coverage. Drivers just need to understand the most efficient way to shop online.

How to buy insurance online

All major insurance companies like Progressive, Geico, Allstate and State Farm provide coverage price quotes on the web. Getting online rates is quite simple as all you need to do is type in the coverage amounts you desire on the page. Upon sending the form, the company’s rating system sends out for information on your driving record and credit history and returns a price determined by many factors.

Being able to quote online streamlines rate comparisons, but the work required to visit a lot of sites and type in the same information is not the best way to spend an afternoon. But it’s necessary to get many rate quotes if you are searching for the lowest price.

There is a better way!

An easier way to lower your rates uses just one form that analyzes rates from multiple companies. It’s a real time-saver, requires less work, and makes online price comparison much simpler. Immediately after submitting the form, it gets priced and you can select any of the resulting price quotes.

If you find a better price you can simply submit the application and purchase the new policy. The entire process just takes a couple of minutes and you’ll know if lower rates are available.

To use this form to compare rates, click here to open in new window and submit the form. If you currently have coverage, we recommend you duplicate the coverage information as shown on your current policy. Using the same limits helps guarantee you will have comparison quotes for similar coverage.

Big names are not always cheapest

Consumers constantly see and hear ads that promise big savings from the likes of Progressive, Geico, Allstate and State Farm. They all seem to try to convey promises that drivers will save a bundle if you change your coverage to them.

Is it even possible that every company can give you a lower rate? You have to listen carefully.

Auto insurance companies provide the lowest rates for the type of customer that earns them a profit. An example of a driver they prefer might be over the age of 45, has a clear driving record, and drives a car with an anti-theft system. Any person who matches that profile will get very good rates and is almost guaranteed to cut their rates if they switch.

People who fall outside these standards may be forced to pay a higher rate and this can result in the customer buying from a different company. If you pay close attention to the ads, they say “drivers that switch” not “all people who quote” save the amount stated. That’s the way insurance companies can claim big savings.

This illustrates why it is so important to get a wide range of price quotes. It’s not possible to predict with any certainty which company will have the best car insurance rates at this point in time.

Do you qualify for discounts?

Properly insuring your vehicles can get expensive, but you may be missing some discounts that you may not know about. Most are applied at the time of quoting, but a few need to be manually applied before they will apply.

  • Distant Student Discount – Kids who are attending college and don’t have a car may be insured at a cheaper rate.
  • No Claim Discounts – Good drivers with no accidents can save substantially when compared to drivers who are more careless.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of making monthly payments you can avoid the installment charge.
  • Safety Restraint Discount – Requiring all passengers to use their safety belts can save up to 15% off PIP or medical payments premium.
  • Home Ownership Discount – Simply owning a home can help you save on insurance due to the fact that maintaining a home requires personal responsibility.
  • Service Members Pay Less – Being on active duty in the military could be rewarded with lower premium rates.
  • Telematics Discount – Drivers who elect to allow their company to monitor driving manner by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates as long as the data is positive.
  • Student Driver Training – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course in school.
  • 55 and Retired – Older drivers may qualify for reduced rates on Escape coverage.
  • Theft Deterent Discount – Anti-theft and alarm system equipped vehicles are stolen with less frequency and therefore earn up to a 10% discount.

You can save money using discounts, but some credits don’t apply to all coverage premiums. Most only apply to specific coverage prices like comp or med pay. So even though it sounds like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

The best insurance companies and a selection of discounts are shown below.

  • State Farm may include discounts for good driver, driver’s education, passive restraint, student away at school, multiple policy, multiple autos, and safe vehicle.
  • Geico offers discounts including military active duty, good student, air bags, anti-theft, and anti-lock brakes.
  • Liberty Mutual includes discounts for multi-policy, good student, hybrid vehicle, teen driver discount, and new vehicle discount.
  • The Hartford has discounts for defensive driver, bundle, driver training, good student, anti-theft, air bag, and vehicle fuel type.
  • MetLife may have discounts that include good student, multi-policy, defensive driver, claim-free, good driver, accident-free
  • Progressive may offer discounts for multi-vehicle, homeowner, online signing, continuous coverage, and good student.

When getting free auto insurance quotes, it’s a good idea to all the companies how many discounts you can get. Some discounts might not apply in every state. For a list of insurers that offer many of these discounts, click here to view.

Don’t assume everyone needs the same insurance coverage coverage

When it comes to buying coverage, there really is no cookie cutter policy. Each situation is unique.

Here are some questions about coverages that can aid in determining whether or not you would benefit from an agent’s advice.

  • Is my Ford Escape covered if I use it for business?
  • Should I carry comprehensive and collision coverage?
  • Should I have combined single limit or split liability limits?
  • What is roadside assistance coverage?
  • Is other people’s property covered if stolen from my vehicle?
  • Do I need more liability coverage?
  • Should I have a commercial auto policy?
  • Is my custom paint covered by insurance?
  • Am I better off with higher deductibles on my 2012 Ford Escape?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and may give you better protection.

Learn about insurance coverages for a Ford Escape

Understanding the coverages of your insurance policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like surgery, rehabilitation expenses and prosthetic devices. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as vandalism, damage from getting keyed and rock chips in glass. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like sideswiping another vehicle, sustaining damage from a pot hole, driving through your garage door and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Liability coverage

Liability insurance will cover injuries or damage you cause to other’s property or people in an accident. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things such as loss of income, structural damage and emergency aid. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Quote more, save more

We covered a lot of information how to compare 2012 Ford Escape insurance car insurance rates online. The key concept to understand is the more you quote auto insurance, the more likely it is that you will get a better rate. Drivers may discover the best car insurance rates are with a small local company.

Low-cost 2012 Ford Escape insurance is available online and also from your neighborhood agents, so you need to quote auto insurance with both to get a complete price analysis. Some insurance coverage companies may not have rate quotes online and these smaller companies work with local independent agents.

People change insurance companies for many reasons like delays in paying claims, lack of trust in their agent, delays in responding to claim requests or even being labeled a high risk driver. No matter why you want to switch, finding a new insurance coverage company can be easy and end up saving you some money.

To learn more, link through to the resources below: