How Much Does 2011 Ford Escape Car Insurance Cost?

Consumers have many options when looking for low-cost Ford Escape insurance. They can either spend hours contacting agents getting price quotes or utilize the internet to find the lowest rates.

There is a right way and a wrong way to buy insurance coverage so you’re going to learn the quickest way to get price quotes for your Ford and obtain the lowest price.

It’s a good habit to compare premium rates every six months since insurance prices tend to go up over time. Even if you think you had the best deal on Escape coverage six months ago other companies may now be cheaper. Forget all the misinformation about insurance coverage because I’m going to teach you the best way to remove unneeded coverages and save money.

The cheapest car insurance price quotes online

There are multiple methods to compare car insurance prices but one way is less labor-intensive and much quicker. You can waste a few hours (or days) talking about coverages with agents in your area, or you can stay home and use online quoting to achieve your goal.

Many insurance companies belong to a marketplace that enables customers to enter their policy data once, and each participating company can provide price quotes based on that information. This saves time by eliminating quotation requests for each company.

To submit your quote information now, click here to open in new window.

The one disadvantage to using this type of system is you cannot specify the providers you want to price. If you prefer to choose specific providers to compare prices, we put together a list of car insurance companies in your area. View list of insurance companies.

However you get your quotes, make sure you compare equivalent coverages and limits on every quote. If you compare unequal deductibles or liability limits you will not be able to truly determine the lowest rate.

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You can change your insurance premiums

Lots of factors are part of the calculation when premium rates are determined. Some of the criteria are obvious like an MVR report, but other criteria are more obscure like your vehicle usage or how financially stable you are.

The following are some of the items companies use to determine your rates.

• Poor credit decisions can cost you – Your credit score is a big factor in calculating your auto insurance rates. If your credit rating is low, you may save money insuring your 2011 Ford Escape if you improve your credit rating. People with good credit tend to be more responsible than drivers with lower credit ratings.
• Costs are affected by your address – Living in a rural area can save you money when insuring your vehicles. City drivers have more road rage incidents and higher rates of accident claims. Fewer drivers on the road means a lower chance of having an accident and also fewer theft and vandalism claims.
• Lower premiums for safer vehicles – Vehicles with good safety scores can get you lower premiums. These vehicles reduce occupant injuries and better occupant protection translates directly to fewer claims and thus lower rates. If your Ford Escape scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
• Your gender affects rates – The statistics show women tend to be less risk to insure than men. However, this does not mean women are BETTER drivers than men. Women and men are responsible for fender benders at about the same rate, but guys get into accidents with more damage. Men also get higher numbers of serious violations like driving under the influence (DUI).

Lower-cost auto insurance quotes with discounts

Companies do not list all possible discounts very clearly, so the list below details some of the more common as well as some of the hidden discounts you could be receiving when you buy insurance online.

• Paperwork-free – Some auto insurance companies provide a small discount just for signing your application on their website.
• Pay Early and Save – If you can afford to pay the entire bill rather than spreading payments over time you can avoid the installment charge.
• Professional Organizations – Joining qualifying employment or professional organizations is a good way to get lower rates on your next auto insurance statement.
• Mature Driver Discount – Older drivers can possibly qualify for a discount up to 10% on Escape coverage.
• Discount for Life Insurance – If the company offers life insurance, you could get a small discount if you purchase auto and life insurance together.
• Multiple Cars – Insuring several vehicles with the same auto insurance company can reduce rates for all insured vehicles.
• ABS Brakes – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.

A little note about advertised discounts, most discount credits are not given to your bottom line cost. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates having all the discounts means you get insurance for free, companies wouldn’t make money that way.

To view auto insurance companies that have a full spectrum of discounts, click here to view.

Tailor your auto insurance coverage to you

When it comes to choosing the right insurance coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique.

For instance, these questions might point out whether you would benefit from an agent’s advice.

• Am I covered when using my vehicle for business?
• Am I insured when driving a different vehicle?
• Do I have coverage when making deliveries for my home business?
• Is my state a no-fault state?
• Does my 2011 Ford Escape qualify for pleasure use?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Is my babysitter covered when using my vehicle?
• How do I insure my teen driver?
• Is my ex-spouse still covered by my policy?

If you can’t answer these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and can provide invaluable advice.

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Insurance policy coverages for a Ford Escape

Knowing the specifics of a insurance policy aids in choosing the best coverages for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your 2011 Ford Escape.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses such as X-ray expenses, EMT expenses, surgery, prosthetic devices and nursing services. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible

Liability coverage

This coverage protects you from damage that occurs to people or other property in an accident. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as repair costs for stationary objects, structural damage, pain and suffering, loss of income and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

Collision protection

Collision coverage will pay to fix damage to your Escape resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like rolling your car, hitting a mailbox, colliding with another moving vehicle, crashing into a building and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

This pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hail damage, rock chips in glass, fire damage and a broken windshield. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Final thoughts

You just learned many ways to get a better price on 2011 Ford Escape insurance. The key thing to remember is the more you quote insurance, the better chance you’ll have of finding affordable insurance. Consumers could even find that the best prices are with a small local company.

Drivers switch companies for many reasons like high prices, an unsatisfactory settlement offer, policy cancellation and being labeled a high risk driver. It doesn’t matter why you want to switch finding a new auto insurance company is actually quite simple.

When searching for inexpensive insurance quotes, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many situations where an insured dropped comprehensive coverage or liability limits only to discover later they didn’t purchase enough coverage. Your goal should be to purchase plenty of coverage for the lowest cost, but do not skimp to save money.

Additional learning opportunities

• A Tree Fell on Your Car: Now What? (Allstate)
• Avoiding Deer Collisions (Insurance Information Insitute)
• What is a Telematics Device? (Allstate)
• Steps to Take After an Auto Accident (Insurance Information Insitute)

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