2015 Ford Escape Insurance Cost – 5 Tips for Cheaper Prices

Getting affordable car insurance might seem somewhat intimidating for comparing rates and buying car insurance on the internet. With more and more insurers to choose from, how can you possibly compare every company in order to find the lowest rates?

The fastest way that we advise to compare rates is to take advantage of the fact most of the bigger providers participate in a system to compare rate quotes. The only thing you need to do is provide the companies a bit of rating information like if you are currently licensed, if the car is leased, the ages of drivers, and coverage limits. That information is instantly provided to multiple companies and you will get price comparisons very quickly.

To check 2015 Ford Escape insurance prices now, click here and enter your zip code.

Cheaper rates with these five car insurance discounts

Car insurance can be pricey, but you may find discounts that could help you make your next renewal payment. Most are applied when you complete an application, but less common discounts must be asked about prior to getting the savings.

  • Military Deployment Discount – Having a family member in the military could be rewarded with lower prices.
  • Discounts for Multiple Vehicles – Buying a policy with more than one vehicle on the same car insurance policy can reduce the rates for all insured vehicles.
  • Anti-lock Brakes – Cars equipped with ABS or steering control can avoid accidents so you can save 10 percent or more.
  • New Car Discount – Buying insurance coverage on a new vehicle can be considerably cheaper since newer vehicles have better safety ratings.
  • College Student – Any of your kids living away from home attending college and won’t have access to an insured vehicle could qualify for this discount.

As a sidenote, some credits don’t apply to all coverage premiums. Some only apply to the price of certain insurance coverages like medical payments or collision. Just because it seems like you could get a free car insurance policy, it just doesn’t work that way.

To see a list of insurance companies that offer multiple discounts, click this link.

Auto insurance can get complicated

When choosing adequate coverage for your vehicles, there isn’t really a one size fits all plan. Every insured’s situation is different.

These are some specific questions could help you determine whether your personal situation might need an agent’s assistance.

  • Is my nanny covered when driving my vehicle?
  • Will filing a claim cost me more?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • How high should deductibles be on a 2015 Ford Escape?
  • Am I covered if my car is in a flood?
  • Do I have coverage if my license is suspended?
  • How do I insure my teen driver?
  • Is upholstery damage covered by car insurance?
  • Why am I be forced to buy a membership to get insurance from some companies?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form.

Auto insurance policy specifics

Understanding the coverages of a auto insurance policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like prosthetic devices, EMT expenses and funeral costs. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers you and your occupants and also covers getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Liability insurance

Liability coverage provides protection from damages or injuries you inflict on other’s property or people. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as repair costs for stationary objects, legal defense fees, funeral expenses, attorney fees and medical services. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Comprehensive insurance

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

Comprehensive can pay for things such as damage from a tornado or hurricane, hitting a bird, fire damage, damage from flooding and rock chips in glass. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage

This coverage pays to fix your vehicle from damage caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like sideswiping another vehicle, crashing into a ditch, sustaining damage from a pot hole, damaging your car on a curb and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also increase the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only carry the minimum required liability 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 these coverages do not exceed the liability coverage limits.

Compare but don’t skimp

Consumers switch companies for any number of reasons including delays in paying claims, lack of trust in their agent, not issuing a premium refund or policy cancellation. It doesn’t matter what your reason, finding the right insurance coverage provider can be less work than you think.

You just read some good ideas how to get a better price on 2015 Ford Escape insurance. The key concept to understand is the more companies you get premium rates for, the better likelihood of getting cheap auto insurance. You may even find the lowest car insurance rates come from a company that doesn’t do a lot of advertising.

When shopping online for insurance coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. There have been many cases where an insured cut liability coverage limits only to regret at claim time that it was a big mistake. Your focus should be to buy the best coverage you can find at the lowest possible cost, but do not skimp to save money.

More information can be read on the following sites: