2017 Ford Escape Car Insurance Cost

Looking for the cheapest auto insurance rates for your Ford Escape? Trying to find more affordable auto insurance is frustrating for drivers not familiar with shopping for insurance online. With so many agents and companies, it can easily be a burden to find the best price.

Finding the best rates is easy if you know what you’re doing. In a nutshell, every driver who buys insurance coverage will most likely be able to cut their insurance bill. Although consumers must comprehend how insurance companies market insurance on the web and apply this information to your search.

Informed drivers save more

Many different elements are considered when you get your auto insurance bill. Some factors are common sense such as traffic violations, but other factors are not as apparent such as your marital status or your commute time.

The itemized list below are a few of the “ingredients” companies use to determine your premiums.

  • Vehicle theft costs us all – Selecting a car model with a theft deterrent system can help bring down rates. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent your car from being stolen.
  • Raise deductibles and save – Deductibles for physical damage tell how much you are required to spend if a claim is determined to be covered. Protection for physical damage, aka comp and collision, insures against damage to your car. Some examples of covered claims would be collision with another vehicle, collision with a deer, and having a roll-over accident. The larger the amount you choose to pay out-of-pocket, the better rate you will receive for Escape insurance.
  • How old are your drivers? – More mature drivers are more responsible, statistically cause fewer accidents , and usually have better credit.Beginning drivers have been known to be careless and easily distracted in a vehicle therefore auto insurance rates are much higher.
  • Use credit responsibly and save – Having a bad credit rating will be a significant factor in determining your rates. Insureds that have very high credit ratings tend to be better risks to insure than drivers who have worse credit. Therefore, if your credit rating is lower than you’d like, you could pay less to insure your 2017 Ford Escape by improving your credit score.
  • Lower premiums for cars with good safety ratings – Vehicles with good safety scores get lower rates. Safer cars reduce injuries and fewer injuries translates directly to fewer claims and more competitive rates for policyholders. If your Ford Escape earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.
  • Insure your auto and home with one company – The majority of companies afford a discount to policyholders who carry more than one policy. It’s known as a multi-policy discount. Even with this discount applied, it’s still a good idea to compare other insurance prices to verify if the discount is saving money.

Don’t overlook these insurance coverage discounts

Some companies don’t always advertise every disount available very clearly, so the next list breaks down some of the best known as well as the least known credits available to you. If they aren’t giving you every credit available, you are just wasting money.

  • Theft Prevention System – Cars with anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your insurance coverage quote.
  • Driver Training Discounts – Completing a course that instructs on driving safety could save 5% or more and also improve your driving technique.
  • Clubs and Organizations – Belonging to a civic or occupational organization can get you a small discount on your policy.
  • Military Discounts – Being deployed with a military unit could qualify you for better insurance coverage rates.
  • Senior Citizens – Drivers over the age of 55 can get lower premium rates for Escape insurance.
  • Cautious Drivers – Safe drivers can pay as much as 50% less for Escape insurance than less cautious drivers.
  • Homeowners Discount – Being a homeowner can get you a discount because of the fact that having a home is proof of financial responsibility.

Discounts reduce rates, but you should keep in mind that most discounts do not apply the the whole policy. Most only reduce specific coverage prices like liability, collision or medical payments. So even though you would think you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

To find insurance companies that provide some of the discounts listed above, click here.

When to get professional advice

When it comes to buying proper insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s needs are different.

These are some specific questions might help in determining whether your personal situation could use an agent’s help.

  • Should I have combined single limit or split liability limits?
  • What if I don’t agree with a claim settlement offer?
  • Is business property covered if stolen from my car?
  • When should I remove comp and collision on my 2017 Ford Escape?
  • Which companies will insure high-risk drivers?
  • Do I need replacement cost coverage?
  • What can I do if my company won’t pay a claim?
  • Can I get a multi-policy discount?
  • Does medical payments coverage apply to all occupants?
  • Do I need PIP coverage since I have good health insurance?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form.

Insurance coverage specifics

Knowing the specifics of your insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Medical expense coverage

Med pay and PIP coverage reimburse you for expenses for things like funeral costs, EMT expenses and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Liability coverage

This will cover damages or injuries you inflict on a person or their property. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims like attorney fees, emergency aid, medical services and legal defense fees. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as crashing into a building, backing into a parked car and crashing into a ditch. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive protection

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as fire damage, damage from getting keyed, hail damage, hitting a bird and a broken windshield. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Keep this in mind

When getting insurance coverage quotes online, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many situations where someone dropped collision coverage only to regret at claim time that the savings was not a smart move. Your focus should be to buy a smart amount of coverage at an affordable rate, but don’t skip important coverages to save money.

Throughout this article, we presented many ways to compare 2017 Ford Escape insurance car insurance rates online. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the best price on auto insurance is with a small local company.

People leave their current company for a number of reasons such as high rates after DUI convictions, questionable increases in premium, denial of a claim and high prices. Regardless of your reason, finding a new auto insurance company is not as difficult as it may seem.

Much more information about auto insurance is available below: