View 2004 Ford Escape Insurance Cost

Buyers have many options when searching for affordable Ford Escape insurance. They can either waste time driving around to get rate comparisons or utilize the internet to get rate quotes.

There is a better way to compare car insurance rates so we’re going to tell you the absolute fastest way to quote coverages for a Ford and obtain the best price possible from local insurance agents and online providers.

Compare auto insurance rates

There are multiple methods to compare auto insurance quotes, and some are more efficient than others. You can spend countless hours talking about coverages with insurance companies in your area, or you can stay home and use the web to get rates in a matter of minutes.

Most of the larger companies are enrolled in a marketplace where insurance shoppers submit one quote, and each participating company then returns a price quote based on the submitted data. This system prevents you from having to do form submissions to every company.

To get comparison pricing now click here to start a free quote.

The single downside to doing it this way is you are unable to specify which companies you will receive quotes from. If you would rather choose individual companies for rate comparison, we have assembled a list of low cost auto insurance companies in your area. Click here to view list.

The approach you take is up to you, just make darn sure you compare identical coverage information on every quote you get. If each company quotes higher or lower deductibles it’s not possible to make an equal comparison.

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

Drivers can’t escape the ads that promise big savings for switching by companies like Allstate and Progressive. They all advertise claims that drivers will save a bundle if you just switch to them.

That’s great but how can every company make the same claim? It’s all in the wording.

Companies require specific criteria for the type of driver that will generate a profit. One example of a desirable insured might be described as over the age of 35, has had continuous coverage, and drives a safe vehicle. Anybody who matches those parameters receive the lowest rate quotes and have a good chance to cut their rates substantially.

People who fall short of these standards will be charged a more expensive rate which results in the customer buying from a different company. The ad wording is “customers who switch” not “all people who quote” can get the lowest rates when switching. This is how companies can make those claims.

Because of this risk profiling, you really should get price quotes at each policy renewal. It’s not possible to predict which insurance companies will provide you with the cheapest rates.

Cheap insurance rates with discounts

Insurance is not cheap nor is it fun to buy but there could be available discounts that you may not know about. A few discounts will automatically apply at the time of purchase, but a few need to be asked for before being credited.

• Drivers Education – Have your child enroll and complete driver’s education in school.
• Low Miles Discount – Fewer annual miles on your Ford may enable drivers to earn discounted premium rates on garaged vehicles.
• Club Memberships – Belonging to specific professional or occupational memberships or organizations is a good way to get lower rates on insurance.
• One Accident Forgiven – This one is not really a discount per se, but some companies like Geico, State Farm, and Progressive may permit one accident without getting socked with a rate hike if your claims history is clear for a certain period of time.
• Paperwork-free – A few companies provide a small discount get insurance over the internet.

Discounts save money, but please remember that some credits don’t apply the the whole policy. The majority will only reduce the cost of specific coverages such as comprehensive or collision. So even though you would think all those discounts means the company will pay you, it just doesn’t work that way. Any qualifying discounts will lower your insurance premiums.

The best insurance companies and their offered discounts are shown below.

• American Family offers discounts for multi-vehicle, early bird, accident-free, TimeAway discount, air bags, and Steer into Savings.
• Farm Bureau policyholders can earn discounts including safe driver, multi-vehicle, multi-policy, renewal discount, youthful driver, and 55 and retired.
• State Farm offers premium reductions for student away at school, driver’s education, safe vehicle, good driver, and multiple autos.
• Travelers offers discounts including save driver, good student, new car, home ownership, IntelliDrive, student away at school, and driver training.
• The Hartford includes discounts for anti-theft, good student, vehicle fuel type, defensive driver, air bag, driver training, and bundle.
• Geico has discounts for air bags, multi-vehicle, driver training, membership and employees, military active duty, and multi-policy.
• Progressive may include discounts for multi-vehicle, continuous coverage, online signing, homeowner, online quote discount, and multi-policy.

When quoting, ask each company or agent how you can save money. Depending on the company, some discounts may not be offered in every state.

Tailor your insurance coverage coverage to you

When it comes to buying coverage for your vehicles, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s.

These are some specific questions can help discover whether your personal situation could use an agent’s help.

• Can I afford low physical damage deductibles?
• What can I do if my company won’t pay a claim?
• How many claims can I have before being cancelled?
• Is my teenager covered with friends in the car?
• Can I still get insurance after a DUI?
• Does car insurance cover theft of personal property?
• Are rental cars covered under my policy?
• What is the difference between comprehensive and collision coverage?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and can provide invaluable advice.

Auto insurance coverage information

Knowing the specifics of your policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive protection

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as theft, hail damage, a tree branch falling on your vehicle, hitting a deer and rock chips in glass. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto liability insurance

This coverage provides protection from damages or injuries you inflict on other’s property or people in an accident. It protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Another option is one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability insurance covers claims like bail bonds, pain and suffering and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Uninsured or underinsured coverage

This provides protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your 2004 Ford Escape.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Usually the UM/UIM limits do not exceed the liability coverage limits.

Collision protection

Collision insurance pays for damage to your Escape resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like sustaining damage from a pot hole, hitting a parking meter, colliding with a tree, colliding with another moving vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible to bring the cost down.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for expenses like X-ray expenses, ambulance fees, EMT expenses, pain medications and doctor visits. They can be utilized in addition to your health insurance program or if you do not have health coverage. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Compare but don’t skimp

Throughout this article, we presented many ways to shop for 2004 Ford Escape insurance online. The key thing to remember is the more providers you compare, the better likelihood of getting inexpensive insurance. Consumers may even find the lowest prices are with some of the lesser-known companies.

Consumers switch companies for a number of reasons such as delays in responding to claim requests, lack of trust in their agent, an unsatisfactory settlement offer or extreme rates for teen drivers. It doesn’t matter why you want to switch finding the right auto insurance provider is actually quite simple.

As you prepare to switch companies, don’t be tempted to reduce coverage to reduce premium. There have been many cases where an accident victim reduced collision coverage only to regret that the savings was not a smart move. Your aim should be to get the best coverage possible at a price you can afford, but don’t skip important coverages to save money.

Additional auto insurance information can be found below:

• State Laws for Cellphones and Texting (iihs.org)
• Who Has Cheap Car Insurance for a Ford Escape in Cincinnati? (QuoteCincinnati.com)
• Shopping for a Safe Car (Insurance Information Insitute)
• What Does No-Fault Insurance Cover? (Allstate)
• Winter Driving (Insurance Information Insitute)