2016 Ford Escape Car Insurance Quotes – 7 Tips for Best Rates

Looking for cheaper insurance coverage rates for your Ford Escape? Finding cheaper insurance for a new or used Ford Escape could be an all-consuming task, but you can learn our insurance coverage buying tips and make it easy. There are both good and bad ways to shop for insurance coverage and we’ll show you the best way to quote coverages for your Ford and locate the lowest possible price either online or from local insurance agents.

It’s a good habit to compare rates quite often because insurance coverage prices change frequently. Even if you got the lowest quotes on Escape insurance on your last policy a different company probably has better rates today. Block out anything you think you know about insurance coverage because you’re about to learn the right way to save money, get proper deductibles and limits, all at the lowest rate.

Choosing the best insurance company for you is not that difficult. If you have a policy now or need a new policy, you can learn to find the best rates while maximizing coverage. Vehicle owners only need an understanding of how to compare rates online.

Car Insurance Discounts

Insurance can cost an arm and a leg, but there could be significant discounts that many consumers don’t even know exist. A few discounts will be applied when you purchase, but some may not be applied and must be specifically requested before you will receive the discount. If you’re not getting every credit you deserve, you could be saving more on your car insurance.

• Multiple Vehicles – Drivers who insure several vehicles on a single policy can reduce rates for all insured vehicles.
• Good Student – A discount for being a good student may save as much as 25% on a auto insurance quote. This discount can apply well after school through age 25.
• Student in College – Older children who attend college more than 100 miles from home and do not take a car to college may be insured at a cheaper rate.
• Anti-lock Brake System – Cars, trucks, and SUVs that have steering control and anti-lock brakes can reduce accidents and the ABS can save up to 10%.
• Save over 55 – Mature drivers can get better car insurance rates on Escape insurance.
• Air Bag Discount – Vehicles equipped with air bags or automatic seat belts may qualify for discounts of 20% or more.
• Drive Less and Save – Fewer annual miles on your Ford can qualify you for better prices on cars that stay parked.

One last thing about discounts, many deductions do not apply to the overall cost of the policy. The majority will only reduce individual premiums such as medical payments or collision. Just because it seems like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

Large car insurance companies and a partial list of their discounts are detailed below.

• Geico may include discounts for military active duty, anti-lock brakes, seat belt use, multi-vehicle, driver training, and federal employee.
• MetLife may have discounts that include multi-policy, good driver, claim-free, accident-free, good student, defensive driver
• Progressive discounts include online quote discount, good student, homeowner, continuous coverage, online signing, multi-vehicle, and multi-policy.
• Travelers offers discounts including driver training, student away at school, IntelliDrive, continuous insurance, and save driver.
• SAFECO offers premium reductions for teen safety rewards, drive less, anti-lock brakes, homeowner, bundle discounts, and accident prevention training.
• AAA offers discounts for pay-in-full, multi-car, good driver, AAA membership discount, good student, anti-theft, and education and occupation.

When quoting, ask all companies you are considering which discounts you qualify for. Some credits may not be offered in your area. If you would like to view companies with discount rates, click here.

Tailor your auto insurance coverage to you

When choosing proper insurance coverage for your personal vehicles, there really is no best way to insure your cars. Each situation is unique.

For example, these questions can help discover whether your personal situation would benefit from an agent’s advice.

• I have health insurance so do I need medical payments coverage?
• Is a blown tire covered by insurance?
• Is extra glass coverage worth it?
• When should I not file a claim?
• Which is better, split liability limits or combined limits?
• Do I need PIP coverage since I have good health insurance?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and you can get the answers you need.

Specifics of your auto insurance policy

Having a good grasp of your auto insurance policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. 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, rock chips in glass and hitting a deer. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical expense insurance

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like hospital visits, pain medications, chiropractic care, nursing services and surgery. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Liability coverage

Liability coverage protects you from damage or injury you incur to other’s property or people that is your fault. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things like repair costs for stationary objects, bail bonds and legal defense fees. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Collision coverage

This coverage pays for damage to your Escape from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as sustaining damage from a pot hole, hitting a mailbox, driving through your garage door and hitting a parking meter. 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.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as damage to your Ford Escape.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Have the Midas touch

Low-cost 2016 Ford Escape insurance is available on the web and also from your neighborhood agents, so you should compare both in order to have the best price selection to choose from. Some insurance companies do not offer price quotes online and many times these smaller companies sell through local independent agencies.

When you buy auto insurance online, it’s very important that you do not buy poor coverage just to save money. There have been many situations where an insured dropped liability limits or collision coverage only to regret at claim time they didn’t have enough coverage. Your focus should be to purchase plenty of coverage for the lowest price while still protecting your assets.

In this article, we presented many tips how you can save on 2016 Ford Escape insurance. The key thing to remember is the more rate comparisons you have, the better likelihood of getting inexpensive auto insurance. You may even find the lowest priced insurance comes from a small mutual company.

For more information, take a look at the resources below:

• Side Impact Crash Tests (iihs.org)
• What Insurance is Cheapest for a Ford Escape in Columbus? (ColumbusCoverage.com)
• Who Has Affordable Auto Insurance Rates for a Ford Escape in Honolulu? (QuoteHonolulu.com)
• Who Has the Cheapest Plano Auto Insurance for a Ford Escape? (PlanoInsure.com)
• Who Has Cheap Auto Insurance Rates for a Ford Escape in San Francisco? (SFAutoGuard.com)
• Airbag FAQ (iihs.org)
• Red Light Cameras (State Farm)
• How to Avoid Common Accidents (State Farm)