2018 Ford Escape Insurance Quotes

Searching for lower auto insurance rates for your Ford Escape? Did budget coverage turn out to be high-priced auto insurance? Believe me, there are many people just like you.

Insurance companies such as Progressive, Geico and Farmers Insurance continually bombard you with fancy advertisements and consumers find it hard to ignore the flashy ads and do the work needed to find the best deal.

Lower rates by qualifying for discounts

Some insurers do not advertise every available discount in a way that’s easy to find, so here is a list both the well known as well as some of the hidden credits available to lower your premiums when you buy insurance online.

  • Discount for Swiching Early – A few larger companies give discounts for buying a new policy prior to your current policy expiring. It’s a savings of about 10%.
  • Discounts for Government Workers – Simply working for the federal government may qualify for a discount when you quote insurance for Escape insurance with certain companies.
  • Distant Student Discount – Any of your kids who attend college more than 100 miles from home and leave their car at home could get you a discount.
  • Save over 55 – Drivers over the age of 55 can possibly qualify for a small decrease in premiums for Escape insurance.
  • No Claims – Good drivers with no accidents can earn big discounts as compared to frequent claim filers.

It’s important to understand that most discount credits are not given to the entire cost. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like all the discounts add up to a free policy, companies don’t profit that way.

Large insurance coverage companies and their offered discounts can be found below.

  • State Farm offers premium reductions for multiple policy, good driver, good student, anti-theft, Steer Clear safe driver discount, and passive restraint.
  • Farmers Insurance includes discounts for early shopping, electronic funds transfer, youthful driver, business and professional, good student, and bundle discounts.
  • Progressive policyholders can earn discounts including multi-policy, online quote discount, multi-vehicle, good student, continuous coverage, homeowner, and online signing.
  • Geico has savings for air bags, defensive driver, seat belt use, daytime running lights, and membership and employees.
  • Auto-Owners Insurance offers discounts including safe driver, air bags, multi-policy, student away at school, mature driver, good student, and anti-lock brakes.
  • The Hartford has discounts for anti-theft, driver training, bundle, vehicle fuel type, good student, defensive driver, and air bag.
  • Farm Bureau discounts include renewal discount, multi-vehicle, driver training, youthful driver, good student, and multi-policy.
  • USAA offers discounts for annual mileage, defensive driver, vehicle storage, multi-policy, and driver training.

Before buying, ask every insurance company which discounts can lower your rates. Some discounts listed above might not be offered in your area.

The quickest method we recommend to compare rate quotes is to know most insurance companies provide online access to give free rates quotes. All you need to do is provide details such as the make and model of your vehicles, how many miles driven, how old drivers are, and your occupation. The rating information is then submitted to insurance carriers in your area and they respond with quotes with very little delay.

To compare rates now, click here then complete the form.

Insurance coverage is unique, just like you

When it comes to choosing proper insurance coverage, there really is not a perfect coverage plan. Everyone’s needs are different so this has to be addressed. Here are some questions about coverages that may help you determine whether your personal situation could use an agent’s help.

  • Do I have coverage for damage caused while driving under the influence?
  • What discounts do I qualify for?
  • Where can I find high-risk insurance?
  • When would I need rental car insurance?
  • Can I rent a car in Mexico?
  • Is my 2018 Ford Escape covered for smoke damage?

If you’re not sure about those questions, you might consider talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area.

Learn about car insurance coverages for a 2018 Ford Escape

Having a good grasp of your car insurance policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverage types found on the average car insurance policy.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your Ford Escape.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Collision coverages – Collision coverage pays for damage to your Escape from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like sideswiping another vehicle, scraping a guard rail, colliding with another moving vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from flooding, vandalism, damage from a tornado or hurricane and a tree branch falling on your vehicle. The most a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Auto liability insurance – This coverage protects you from damage that occurs to people or other property. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability can pay for things like attorney fees, loss of income, repair bills for other people’s vehicles, medical services and medical expenses. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Medical expense insurance – Med pay and PIP coverage kick in for expenses such as dental work, surgery, X-ray expenses, pain medications 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. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Do the work, save more money

You just read some good ideas how to save on 2018 Ford Escape insurance. The key thing to remember is the more quotes you get, the higher the chance of saving money. Consumers may even find the lowest car insurance rates come from an unexpected company. These smaller insurers may cover specific market segments cheaper compared to the large companies like Progressive and Geico.

More affordable auto insurance can be bought on the web and also from your neighborhood agents, so you should compare both in order to have the best chance of saving money. Some companies may not offer the ability to get quotes online and many times these regional carriers provide coverage only through independent agents.

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