Compare 2001 Ford Escape Insurance Quotes

There isn’t anyone who loves paying for auto insurance, especially when they know their premiums are through the roof. Lots of insurers contend to insure your vehicles, and it can be difficult to compare rates to get the lowest price

Take policy discounts and save

Auto insurance companies do not list every discount very well, so the list below gives a summary of a few of the more well known and the harder-to-find savings tricks you should be using when you buy auto insurance online.

• Multi-car Discount – Buying coverage for multiple cars or trucks on one policy qualifies for this discount.
• Low Miles Discount – Driving less can qualify you for discounted rates on garaged vehicles.
• Auto/Home Discount – If you have multiple policies with the same company you could save 10% to 20% off each policy.
• Military Discounts – Being on active deployment in the military could qualify you for better prices.
• Waiver for an Accident – This one isn’t a discount, but a handful of insurance companies will allow you to have one accident before hitting you with a surcharge with the catch being you have to be claim-free for a particular time prior to the accident.

As a footnote on discounts, most discounts do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as comp or med pay. Even though it may seem like you could get a free car insurance policy, insurance companies wouldn’t stay in business.

To locate insurance companies with the best car insurance discounts, click this link.

Which policy gives me the best coverage?

When it comes to choosing coverage for your personal vehicles, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions can aid in determining whether or not you may require specific advice.

• Should I have combined single limit or split liability limits?
• Should I buy more coverage than the required minimum liability coverage?
• Is my trailer covered?
• Do I have coverage if my license is suspended?
• Do I need replacement cost coverage?
• What is medical payments coverage?
• Does liability extend to a camper or trailer?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Save $458 a year? Really?

Consumers can’t ignore all the ads for cheaper auto insurance from the likes of Allstate and Progressive. All the ads make the point that people will save if you change your auto insurance coverage to their company.

How does every company give you a lower rate? Here is how they do it.

Many companies provide the lowest rates for the type of driver that earns them the highest profit. For example, this type of driver could possibly be between 30 and 50, has no tickets, and drives a lower-performance vehicle. Anybody who matches that profile will most likely get cheap premium rates and will also pay quite a bit less when switching companies.

Drivers who cannot meet those criteria will probably have to pay a higher rate and ends up with the customer buying from someone else. The trick companies use is to say “drivers that switch” not “everyone who quotes” will save that much if they switch. That’s the way companies can lure you into getting a quote. Because every company is different, drivers should do a price quote comparison at every renewal. It is just not possible to predict the company that will have the lowest rates.

The coverage is in the details

Learning about specific coverages of your policy can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. These are typical coverages found on the average insurance policy.

Auto liability insurance

Liability insurance provides protection from damage that occurs to a person or their property. It protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability insurance covers things such as medical expenses, repair costs for stationary objects, medical services, pain and suffering and loss of income. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for nursing services, hospital visits and dental work. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as damage to your 2001 Ford Escape.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Collision coverage

This pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as sustaining damage from a pot hole, crashing into a ditch, hitting a mailbox, colliding with a tree and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as falling objects, damage from flooding, theft and a broken windshield. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Pennies from heaven

As you prepare to switch companies, never reduce needed coverages to save money. There are too many instances where drivers have reduced physical damage coverage only to discover later that it was a big mistake. Your goal should be to buy a smart amount of coverage at a price you can afford but still have enough coverage for asset protection.

In this article, we presented many ideas to shop for 2001 Ford Escape insurance online. The key thing to remember is the more price quotes you have, the higher your chance of finding cheap auto insurance. Consumers may even find the lowest premium rates come from a small mutual company. They may cover specific market segments cheaper as compared to the big name companies such as Geico and State Farm.

Other information

• Prom Night Tips for Teen Drivers (State Farm)
• Side Impact Crash Tests (iihs.org)
• Should I Buy a New or Used Car? (Allstate)
• Get the Right Protection (InsureUonline.org)
• Distracted Driving (Insurance Information Insitute)