Cheaper 2016 Ford Escape Insurance Rates

If you’re looking for lower-priced insurance on the web, are you frustrated by the crazy number of insurance coverage choices? Lot’s of other drivers are too. There are such a vast assortment of choices available that it can be a difficult situation to locate the lowest prices.

It’s a good habit to do rate comparisons quite often since rates change regularly. Despite the fact that you may have had the lowest premium rates for Escape coverage a few years ago you will most likely find a better price today. Forget anything you know (or think you know) about insurance coverage because you’re going to get a crash course in the quickest way to save money, get proper coverage and the best rates.

If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using these methods. Shopping for the lowest cost auto insurance coverage is not that difficult. Nevertheless, vehicle owners can benefit from knowing how companies market insurance on the web.

How to get free car insurance quotes online

Performing a rate comparison can take time and effort if you don’t utilize the fastest way to get free quotes. You could waste time talking to insurance companies in your area, or you can stay home and use online quotes to get the quickest rates.

All the larger companies belong to a marketplace where prospective buyers only type in their quote data once, and at least one company can give them a price based on that data. This eliminates the need for quote forms for each company you want a rate for.

To fill out one form to compare multiple rates now click here (opens in new window).

One minor caviat to using this type of form is you cannot specify which insurance companies to receive prices from. If you wish to select specific insurance companies for rate comparison, we have assembled a list of the cheapest car insurance companies in your area. Click to view list.

It’s up to you which method you use, but double check that you are using the exact same quote data on every price quote you get. If you are comparing different values for each quote it will be impossible to determine the lowest rate for your Ford Escape. Just slight variations in limits can mean a large discrepancy in price. Just remember that getting more free quotes increases the change that you will find more affordable rates.

Learn how to lower your insurance prices

Lots of factors are considered when quoting car insurance. Some factors are common sense such as traffic violations, but some are more obscure such as your marital status or your vehicle rating.

The items below are a few of the things companies use to determine your premiums.

  • Better prices with anti-theft devices – Choosing a vehicle with a theft deterrent system can save you some money. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your car from being stolen.
  • Better prices on vehicles with better crash test results – Vehicles that have high safety ratings are cheaper to insure. These vehicles reduce injuries and better occupant protection translates into savings for insurance companies and cheaper rates on your policy. If your Ford Escape is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Raising physical damage deductibles saves money – Protection for physical damage, also known as collision and other-than-collision, helps pay for damage to your vehicle. Some examples of covered claims are colliding with a building, vandalism, and damage caused by flying debris. The deductibles state the amount of money you are willing to pay before a claim is paid by your company. The more damage repair cost you pay before a claim is paid (deductible), the lower your rates will be for Escape coverage.
  • High credit scores save money – An insured’s credit score is a large factor in calculating your insurance coverage rates. If your credit rating is not that good, you could potentially save money when insuring your 2016 Ford Escape if you improve your credit rating. Drivers who have high credit ratings tend to file fewer claims and have better driving records than those with poor credit.
  • Liability protection limits on your policy – The liability coverage on your policy will afford coverage when you are found to be at fault for damages from an accident. Your liability coverage provides for a legal defense which can be incredibly expensive. Liability insurance is quite affordable as compared to coverage for physical damage, so buy as much as you can afford.
  • Low stress employer equals lower rates – Did you know your insurance coverage rates can be affected by your occupation? Occupations like fire fighterspolice officers and miners tend to pay higher average rates attributed to high stress and lengthy work days. On the flip side, careers like scientists, engineers and performers pay the least for Escape coverage.

Verify you’re receiving every discount

Auto insurance is not an enjoyable expense, but there could be significant discounts that you may not even be aware of. Larger premium reductions will be automatically applied at quote time, but some must be specially asked for before they will apply.

  • E-sign – A few auto insurance companies will give a small break for buying your policy over the internet.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class as it can save substantially.
  • Resident Student – Any of your kids who are attending college and don’t have a car can receive lower rates.
  • Anti-lock Brake Discount – Cars that have anti-lock braking systems are much safer to drive and the ABS can save up to 10%.
  • Military Discounts – Being deployed with a military unit could mean lower auto insurance rates.
  • No Claims – Good drivers with no accidents get the best auto insurance rates in comparison with insureds who have frequent claims or accidents.
  • Life Insurance – Insurance companies who offer life insurance give a small discount if you purchase a life insurance policy as well.
  • Senior Citizen Rates – Drivers over the age of 55 can get lower premium rates for Escape coverage.
  • Professional Memberships – Joining specific professional or occupational memberships or organizations may earn a discount when shopping for auto insurance.

You can save money using discounts, but most discounts do not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Despite the appearance that all those discounts means the company will pay you, you won’t be that lucky.

A list of auto insurance companies and a selection of discounts are shown below.

  • State Farm discounts include student away at school, good driver, good student, driver’s education, Drive Safe & Save, multiple autos, and safe vehicle.
  • Geico has savings for seat belt use, military active duty, defensive driver, membership and employees, five-year accident-free, and multi-policy.
  • Allstate has discounts for FullPay discount, senior citizen, multi-policy, farm vehicle, 55 and retired, and anti-theft.
  • SAFECO may offer discounts for anti-theft, teen safe driver, teen safety rewards, bundle discounts, homeowner, and safe driver.
  • Farm Bureau offers discounts for safe driver, youthful driver, good student, 55 and retired, driver training, multi-vehicle, and renewal discount.
  • Progressive may have discounts that include multi-policy, multi-vehicle, online quote discount, good student, homeowner, and online signing.
  • AAA includes discounts for pay-in-full, multi-policy, good student, good driver, and education and occupation.

Before purchasing a policy, check with all the companies what discounts are available to you. Some discounts may not apply in your area. To see a list of insurers with discount rates, click here.

When should I discuss my situation with an agent?

When it comes to buying the right insurance coverage, there is no perfect coverage plan. Your needs are not the same as everyone else’s.

For instance, these questions could help you determine whether you would benefit from an agent’s advice.

  • Should I buy more coverage than the required minimum liability coverage?
  • Does my 2016 Ford Escape need full coverage?
  • Where can I find high-risk insurance?
  • Is a new car covered when I drive it off the dealer lot?
  • Should I carry comprehensive and collision coverage?
  • Am I covered when using my vehicle for business?
  • How do I file an SR-22 for a DUI in my state?
  • Is upholstery damage covered by car insurance?
  • Am I covered if I break a side mirror?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

Coverage specifics

Understanding the coverages of a insurance policy aids in choosing the right coverages for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement.

Collision coverage – This coverage will pay to fix damage to your Escape resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as sideswiping another vehicle, driving through your garage door, sustaining damage from a pot hole and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Coverage for medical payments – Coverage for medical payments and/or PIP pay for immediate expenses for doctor visits, X-ray expenses, rehabilitation expenses, pain medications and prosthetic devices. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

Liability insurance – This can cover damage that occurs to other people or property that is your fault. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like pain and suffering, bail bonds and loss of income. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Uninsured and underinsured coverage – Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Ford Escape.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Frequently these coverages are set the same as your liablity limits.

Comprehensive coverages – This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, damage from getting keyed, hail damage and damage from flooding. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

More quotes. Lower rates.

Drivers change insurance companies for many reasons like policy cancellation, lack of trust in their agent, extreme rates for teen drivers and questionable increases in premium. Whatever your reason, finding a new company is not as hard as you think.

As you quote insurance coverage, make sure you don’t buy less coverage just to save a little money. There are too many instances where an insured dropped comprehensive coverage or liability limits only to regret they didn’t purchase enough coverage. Your goal is to buy a smart amount of coverage at an affordable rate, but don’t skip important coverages to save money.

In this article, we covered quite a bit of information on how to reduce 2016 Ford Escape insurance rates online. The most important thing to understand is the more times you quote, the better chance you’ll have of finding cheaper insurance coverage. Drivers may discover the lowest priced insurance comes from a company that doesn’t do a lot of advertising.

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