2014 Ford Escape Insurance Cost – 5 Tricks for Cheaper Prices

Buying the lowest price insurance coverage may be challenging for consumers who are new to comparing prices on the web. With more and more companies in the marketplace, how can anyone efficiently compare every insurance coverage company to find the best price?

Choosing the best insurance company for you is not rocket science. If you have car insurance now, you should be able to save some money using these techniques. Although vehicle owners must learn the way insurance companies sell insurance online.

Don’t miss with these five discounts

Car insurance can cost a lot, but you might be missing out on some discounts that you may not even be aware of. Many of these discounts will be applied automatically when you purchase, but a few must be specially asked for prior to receiving the credit. If you don’t get every credit you qualify for, you could be paying more than you need to.

• Multiple Cars – Drivers who insure more than one vehicle on a single policy may reduce the rate for each vehicle.
• Buy New and Save – Adding a new car to your policy can save you some money since new vehicles are generally safer.
• Life Insurance – Larger insurance carriers have a lower premium rate if you buy life insurance.
• Auto/Home Discount – If you can bundle your auto and homeowners insurance with one company you may earn up to 20% and get you affordable car insurance.
• Good Driver Discounts – Safe drivers could pay up to 40% less for Escape insurance compared to rates paid by drivers with frequent claims.

While discounts sound great, it’s important to understand that most discounts do not apply to your bottom line cost. Most only apply to individual premiums such as physical damage coverage or medical payments. Even though it may seem like you could get a free car insurance policy, it just doesn’t work that way.

To locate companies who offer cheap car insurance quotes, follow this link.

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But the ad said I’d save 15% in 15 minutes!

Companies like State Farm, Allstate and Geico endlessly run ads on TV and radio. They all make an identical promise that drivers will save a bundle if you switch your coverage to them. How is it possible that every company can give you a better price? It’s all in how they say it.

Insurance coverage companies give the best rates for the driver that will generate a profit. For instance, a desirable risk might be over the age of 35, has a low-risk occupation, and drives a lower-performance vehicle. Someone that matches those criteria will get very good premium rates and will probably save a lot of money.

Potential insureds who don’t qualify for these criteria may receive a more expensive rate which usually ends up with business going elsewhere. The trick is to say “drivers that switch” but not “everyone who gets a quote” save that much when switching. That is how companies can make claims like that. This really drives home the point why it’s extremely important to do a price quote comparison at every renewal. It is impossible to guess which insurance coverage company will fit your personal profile best.

Your situation helps dictate your coverage

When it comes to buying adequate coverage, there isn’t really a cookie cutter policy. Everyone’s needs are different.

For instance, these questions may help you determine whether you would benefit from professional advice.

• Do I have newly-aquired coverage?
• Do I need rental car coverage?
• Should I file a claim if it’s only slightly more than my deductible?
• Are split liability limits better than a combined single limit?
• I have health insurance so do I need medical payments coverage?
• Is a blown tire covered by insurance?
• Why am I required to buy high-risk coverage?

If you can’t answer these questions, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form.

What insurance coverages do you need?

Knowing the specifics of insurance helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like crashing into a ditch, hitting a mailbox and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for immediate expenses for chiropractic care, surgery and EMT expenses. They are used in conjunction with a health insurance policy or if you do not have health coverage. It covers you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from a tornado or hurricane, damage from getting keyed, hitting a deer and falling objects. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto liability insurance

Liability coverage provides protection from damage or injury you incur to other’s property or people in an accident. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things like repair costs for stationary objects, legal defense fees, medical expenses, repair bills for other people’s vehicles and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Ford Escape.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

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Don’t be a big spender

The cheapest 2014 Ford Escape insurance can be purchased online and from local insurance agents, and you need to comparison shop both to have the best selection. Some insurance companies do not offer online quoting and usually these smaller providers sell through independent agents.

As you go through the steps to switch your coverage, it’s very important that you do not reduce needed coverages to save money. There are many occasions where drivers have reduced full coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to buy the best coverage you can find at the best possible price while not skimping on critical coverages.

Insureds leave their current company for any number of reasons including poor customer service, extreme rates for teen drivers, policy cancellation and questionable increases in premium. Regardless of your reason, finding a new company can be less work than you think.

More information is located below:

• Alcohol Impaired Driving FAQ (iihs.org)
• Safety Features for Your New Car (State Farm)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Help Your Teen Be a Better Driver (State Farm)

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