2009 Ford Escape Hybrid Insurance Cost – 9 Ways to Save

Looking for lower insurance rates for your Ford Escape Hybrid? Are you overwhelmed by the dozens of insurance providers in your area? Lot’s of other drivers are too. You have such a vast assortment of providers available that it can easily turn into a real difficult job to find the best insurance rates.

Don’t miss these nine discounts

Insurance is not inexpensive, but you might already qualify for some discounts that could help you make your next renewal payment. Many of these discounts will be applied automatically at quote time, but some need to be specially asked for before being credited. If you aren’t receiving every discount you deserve, you could be paying more than you need to.

• Discount for Multiple Policies – When you combine your auto and home insurance with the same insurance company you may save nearly 15% which can help you find inexpensive insurance.
• Good Student – Excelling in school can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
• Student Discount for Driver Training – Require your teen driver to sucessfully take a drivers education course in high school.
• Sign Online – Certain larger companies provide a small discount just for signing your application on the web.
• Military Deployment Discount – Having a deployed family member may qualify for rate reductions.
• Low Mileage Discounts – Keeping the miles down on your Ford can earn better premium rates on cars that stay parked.
• Homeowners Savings – Being a homeowner may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
• Clubs and Organizations – Having an affiliation with qualifying employment or professional organizations may earn a discount on your next renewal.
• Multi-line Discount – Not all insurance carriers offer life insurance, but some may give you a discount if you purchase some life insurance in addition to your auto policy.

As a footnote on discounts, most credits do not apply the the whole policy. A few only apply to the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears all those discounts means the company will pay you, nobody gets a free ride.

To view companies with significant discounts, click here to view.

Special considerations

When it comes to choosing the best auto insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

For example, these questions might point out whether your personal situation would benefit from an agent’s advice.

• What vehicles should carry emergency assistance coverage?
• Can I rate high risk drivers on liability-only vehicles?
• When do I need to add a new car to my policy?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Does coverage extend to Mexico or Canada?
• Am I covered if I break a side mirror?
• What is the ISO rating for a 2009 Ford Escape Hybrid?
• I have health insurance so do I need medical payments coverage?
• Will my insurance pay for OEM parts?
• When should I remove comp and collision on my 2009 Ford Escape Hybrid?

If you’re not sure about those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form.

Auto insurance coverage information

Learning about specific coverages of a auto insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement.

Medical expense coverage – Medical payments and Personal Injury Protection insurance provide coverage for expenses for EMT expenses, hospital visits, rehabilitation expenses and funeral costs. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive protection – This covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from getting keyed, damage from a tornado or hurricane, hail damage, vandalism and a broken windshield. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability auto insurance – This will cover damage that occurs to people or other property. 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 stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as court costs, medical services, emergency aid, pain and suffering and funeral expenses. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these limits do not exceed the liability coverage limits.

Collision coverage – Collision insurance covers damage to your Escape Hybrid resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like hitting a parking meter, crashing into a building, scraping a guard rail, damaging your car on a curb and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also bump up the deductible to save money on collision insurance.

Shop around and save

Consumers who switch companies do it for a number of reasons such as delays in responding to claim requests, extreme rates for teen drivers, questionable increases in premium or policy cancellation. Regardless of your reason for switching companies, finding the right auto insurance provider can be less work than you think.

Low-cost 2009 Ford Escape Hybrid insurance is attainable from both online companies and from local agencies, and you should compare rates from both so you have a total pricing picture. A few companies may not have rate quotes online and these regional insurance providers sell through independent agencies.

As you go through the steps to switch your coverage, it’s a bad idea to skimp on coverage in order to save money. In too many instances, someone sacrificed uninsured motorist or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to buy the best coverage you can find at the best cost while still protecting your assets.

More detailed auto insurance information is located in these articles:

• Help Your Teen Be a Better Driver (State Farm)
• Who Has Affordable Raleigh Auto Insurance Rates for a Ford Escape? (RaleighCoverage.com)
• What to do at the Scene of an Accident (Insurance Information Insitute)
• Vehicle Safety Ratings (iihs.org)
• Teen Driver Statistics (Insurance Information Insitute)
• Reducing Your Risks in a Car Crash Video (iihs.org)