2017 Ford Escape Insurance Cost

Overpriced auto insurance can eat up your budget and make it impossible to make ends meet.

Due to the increasing number of insurance companies to choose from, it can be diffult for drivers to pick the lowest price insurer.

How to get the cheapest insurance coverage

When shopping for insurance coverage there are multiple ways to get quotes from lots of insurance coverage companies. The recommended way to comparison shop is simply to get online rate quotes. This can be done in just a few minutes using one of these methods.

1. The fastest way to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This form eliminates the need for separate forms for each company. One form submission will return quotes from multiple low-cost companies.
2. Another way to analyze rates is going to the website for every company you want to comare to request a price quote. For sake of this example, let’s assume you need rates from Progressive, Geico and Farmers. You would need to go to every website to input your insurance information, which can be really labor intensive.

   To view a list of companies in your area, click here.

Whichever way you use, try to use identical coverage data for each quote you get. If the quotes have different coverage information you will not be able to get a fair rate comparison. Slightly different insurance coverages could mean much higher rates. And when price shopping your coverage, having more price comparisons gives you a better chance of getting the best offered rates. Some companies don’t provide online price quotes, so you also need to get rates from those companies as well.

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Lower your auto insurance rates with discounts

Car insurance is not cheap, but you may qualify for discounts that you may not even be aware of. Certain discounts will be applied when you complete an application, but occassionally some discounts must be specially asked for before being credited.

• Discount for New Cars – Insuring a new car can cost up to 25% less because newer models are generally safer.
• Save over 55 – If you’re over the age of 55, you may receive a discount up to 10% for Escape insurance.
• Drivers Ed for Students – Have your child enroll and complete driver’s education if it’s offered in school.
• Accident-Free Discounts – Drivers with accident-free driving histories can save substantially in comparison to frequent claim filers.
• Theft Deterent – Cars equipped with tracking devices and advanced anti-theft systems are stolen less frequently so companies will give you a small discount.
• Anti-lock Brakes – Cars, trucks, and SUVs with ABS and/or traction control are much safer to drive and earn discounts up to 10%.
• Cautious Driver Discount – Drivers without accidents may save up to 50% more for Escape insurance than less cautious drivers.

Discounts save money, but please remember that some credits don’t apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like medical payments or collision. So even though you would think you could get a free auto insurance policy, insurance companies wouldn’t stay in business.

If you would like to see a list of insurers with discount rates, click here.

Ford Escape insurance premium factors

It’s important that you understand the factors that are used to determine your insurance rates. When consumers understand what impacts premium levels, this empowers consumers to make smart changes that can earn you cheaper rates.

• Put fewer miles on your vehicle – The more you drive in a year’s time the higher your rate. Most companies charge to insure your cars determined by how the vehicle is used. Cars and trucks that sit idle most of the time qualify for better rates as compared to vehicles used primarily for driving to work. It’s a good idea to make sure your vehicle rating shows how each vehicle is driven, because improper ratings can cost you money. An incorrectly rated Escape is just wasting money.
• Traffic violations hurt – Your driving record has a lot to do with how much you pay for insurance. Drivers who don’t get tickets have lower premiums compared to bad drivers. Only having one speeding ticket or other violation can boost insurance rates twenty percent or more. Drivers who have gotten multiple violations such as DWI, reckless driving or hit and run convictions might be required by their state to file a proof of financial responsibility form (SR-22) with their state DMV in order to keep their license.
• With age comes lower prices – More experienced drivers are viewed as being more responsible, statistically cause fewer accidents , and usually have better credit.Teen drivers are known to be inattentive with other occupants in the car and because of this, their insurance rates are much higher.
• Keep insurance claims to a minimum – Car insurance companies generally give most affordable rates to drivers who do not file claims often. If you file a lot of claims you can definitely plan on either policy cancellation or increased premiums. Auto insurance is intended for claims that you cannot pay yourself.
• Save by driving safer cars – Vehicles with high crash test scores are cheaper to insure. Vehicles built for safety help reduce the chance of injuries in an accident and lower rates of occupant injuries translates directly to fewer claims and more competitive rates for policyholders. If your Ford Escape earned at least four stars on Safercar.gov you may qualify for a discount.
• Low physical damage deductibles mean high premiums – Your deductibles are how much you are willing to pay out-of-pocket if the claim is covered. Protection for physical damage, also called comprehensive and collision insurance, is used to repair damage to your car. Some examples of claims that would be covered could be rearending another vehicle, damage caused by hail, and damage caused by road hazards. The larger the amount you have to pay, the bigger discount you will receive for Escape insurance.
• Insurance rates can be impacted by your occupation – Do you work in a high-stress field? Jobs such as doctorsairline pilots and dentists tend to pay higher rates than average due to stressful work requirements and incredibly demanding work hours. On the flip side, careers such as actors, historians and homemakers pay lower than average rates for Escape insurance.
• Single drivers may pay higher prices – Being married may save some money on your insurance policy. It is viewed as being more mature than a single person and it’s proven that drivers who are married file infrequent claims.

You are unique and your auto insurance should be too

When buying proper insurance coverage, there really is not a cookie cutter policy. Every situation is different so your insurance should reflect that Here are some questions about coverages that might help in determining whether or not you will benefit from professional help.

• Should I buy only the required minimum liability coverage?
• Do I need an umbrella policy?
• When should I buy a commercial auto policy?
• Do I need motorclub coverage?
• Do I need rental car coverage?
• Is my business laptop covered if it gets stolen from my vehicle?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

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Insurance policy specifics

Learning about specific coverages of your policy helps when choosing the best coverages for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring. Shown next are the normal coverages available from insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Comprehensive insurance

This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from getting keyed, hail damage, falling objects, theft and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto liability insurance

This protects you from damage or injury you incur to other’s property or people in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against things like attorney fees, loss of income and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but buy as large an amount as possible.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for bills such as hospital visits, doctor visits, EMT expenses and pain medications. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Auto collision coverage

This coverage pays for damage to your Escape 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 insurance covers claims such as sideswiping another vehicle, hitting a mailbox, colliding with another moving vehicle and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

In conclusion

As you shop your coverage around, it’s not a good idea to buy less coverage just to save a little money. There have been many situations where someone sacrificed liability coverage limits only to discover later that the small savings ended up costing them much more. Your aim should be to buy a smart amount of coverage at the best cost but still have enough coverage for asset protection.

Throughout this article, we presented a lot of ways to get a better price on 2017 Ford Escape insurance. The most important thing to understand is the more providers you compare, the higher your chance of finding low cost auto insurance. Consumers could even find that the most savings is with some of the lesser-known companies. Some small companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate and Progressive.

Cheaper 2017 Ford Escape insurance is attainable online in addition to many insurance agents, and you should compare rates from both to have the best rate selection. Some insurance companies may not have price quotes online and most of the time these small insurance companies provide coverage only through independent agents.

Even more information can be read at these sites:

• Understanding Your Insurance Deductible (Insurance Information Insitute)
• How Much are Car Insurance Rates for a Ford Escape in Madison? (MadisonInsure.com)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Determing Auto Insurance Rates (Geico)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Think You’re a Safe Driver? (State Farm)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)

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