2018 Ford Escape Insurance Quotes

Are you regretting the purchase of an overpriced insurance coverage policy? Say no more because you’re not the only one. You have multiple car insurance companies to insure vehicles with, and though it is a good thing to have a choice, more choices can make it harder to find the best rates for your vehicles.

Buy auto insurance online

Reducing your 2018 Ford Escape insurance rates isn’t really that difficult. Just take time comparing rate quotes from different insurance companies. It is quite easy and can be accomplished by following the guidelines below.

Hands down the most simple method consumers can make multiple comparisons is an all-inclusive rate comparison like this one (opens in new window). This form keeps you from doing separate quotes to each individual auto insurance company. One form gets prices estimates from all major companies.

A more difficult way to analyze rates requires you to visit each company website to complete their respective quote request forms. For instance, let’s say you want to compare Progressive, Geico and Farmers. You would be required to spend time going to each site individually and repeatedly type in your coverage information, and that’s why the first method is more popular.

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

The most difficult way to find cheaper rates is driving around to insurance agencies in your area. The internet makes this process obsolete unless you have a need for the extra assistance of an agent trained in personal lines coverage. It is possible with some companies price shop your coverage online but still have the advice of a local agent.

The approach you take is up to you, just be certain you are entering identical coverage data for each comparison quote. If each company quotes different values for each quote it will be nearly impossible to truly determine the lowest rate.

Tailor your insurance coverage coverage to you

When choosing the best insurance coverage coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions could help you determine if your situation will benefit from professional help.

• Can I afford low physical damage deductibles?
• How much liability do I need to cover my assets?
• What is the minimum liability in my state?
• What is PIP insurance?
• When do I need to add a new car to my policy?
• Should I bundle my homeowners policy with my auto?
• Who is covered when they drive my 2018 Ford Escape?
• Should I rate my 2018 Ford Escape as pleasure use or commute?
• Is my vehicle covered by my employer’s policy when using it for work?
• Why is insurance for a teen driver so high?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. If you don’t have a local agent, complete this form or click here for a list of insurance coverage companies in your area. It’s fast, free and you can get the answers you need.

Specifics of your insurance policy

Knowing the specifics of insurance aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on most insurance policies.

Liability car insurance

Liability coverage can cover damages or injuries you inflict on people or other property in an accident. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: 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 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage pays for claims like funeral expenses, emergency aid, pain and suffering, legal defense fees and medical expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Escape.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for bills like pain medications, prosthetic devices, X-ray expenses, nursing services and doctor visits. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

This will pay to fix damage to your Escape from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like sustaining damage from a pot hole, colliding with a tree and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive auto coverage

This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hail damage, hitting a bird, damage from getting keyed, a broken windshield and vandalism. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.