Compare 2005 Ford Escape Insurance Quotes

Finding the cheapest insurance for a Ford Escape can be an all-consuming task, but you can use our auto insurance buying tips to save time.

There is a better way to buy auto insurance and we’ll show you the quickest way to price shop coverage for your Ford and obtain the cheapest rates from local insurance agents and online providers.

It’s a good idea to quote other rates every six months since insurance prices change quite often. If you had the best rate on Escape insurance at your last renewal a different company probably has better premium rates today. You’ll find a ton of advice on auto insurance online, but in this article, you’re going to get some proven techniques to buy auto insurance cheaper.

Buying affordable car insurance coverage is easy if you know what you’re doing. If you have insurance now or are just looking to switch companies, you will benefit by learning to shop for the lowest rates while maintaining coverages. Vehicle owners just need to learn the proper way to compare rates online.

Compare insurance price quotes

All the larger insurance companies such as Allstate, Geico and Progressive allow consumers to get coverage price quotes on their websites. Getting prices online is fairly simple because you just enter your required coverages into a form. Once entered, the quote system pulls credit information and your driving record and generates a price based on the information you submitted.

Online price estimates streamlines rate comparisons, but the work required to visit each company’s website and repetitively type in your information is a big time waster. But it’s necessary to perform this step if you want to find a lower rate.

There is a better way!

The preferred way to lower your insurance bill uses one simple form that gets price quotes from several different companies. It’s a real time-saver, eliminates form submissions, and makes online shopping a lot less work. After your information is entered, your coverage is rated and you can select your choice of the quote results.

If the quotes result in lower rates, you can click and sign and purchase coverage. It just takes a couple of minutes and can result in significant savings.

To compare rates now, click here to open in a new tab and enter your information. To compare your current rates, we recommend you input the coverages exactly as shown on your declarations page. This helps ensure you will get a fair comparison using the exact same coverages.

More affordable rates by receiving discounts

Some companies don’t always publicize every policy discount very clearly, so the list below details both well-publicized and also the more inconspicuous discounts that may be available.

• Discounts for Seat Belt Usage – Requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
• Government Employees – Employees or retirees of the government may reduce rates when you quote auto insurance on Escape insurance with some insurance coverage companies.
• Own a Home and Save – Being a homeowner can save you money because maintaining a house means you have a higher level of financial diligence.
• Early Switch Discount – Some companies give discounts for renewing your policy before your current policy expires. You could save around 10% when you buy auto insurance online.
• Paperwork-free – A handful of insurance companies will give a small break for buying your policy on their website.
• Discount for Low Mileage – Keeping the miles down on your Ford could qualify for substantially lower rates.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the entire policy premium. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So when it seems like having all the discounts means you get insurance for free, insurance coverage companies aren’t that generous.

For a list of providers with the best insurance coverage discounts, click this link.

Your auto insurance coverage should be tailored to you

When choosing the best auto insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s situation is a little different.

For example, these questions might point out if your situation would benefit from professional advice.

• Does my personal policy cover me when driving out-of-state?
• When would I need additional glass coverage?
• Is my 2005 Ford Escape covered for smoke damage?
• How do I file an SR-22 for a DUI in my state?
• Are there companies who specialize in insuring high-risk drivers?
• Is business property covered if stolen from my car?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and can provide invaluable advice.

Learn about insurance coverages for a Ford Escape

Knowing the specifics of your policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Auto collision coverage

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

Collision coverage protects against claims like colliding with a tree, crashing into a building and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Liability insurance

This coverage will cover damages or injuries you inflict on people or other property by causing an accident. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Another option is one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things such as medical expenses, loss of income, emergency aid and pain and suffering. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.

Comprehensive (Other than Collision)

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like fire damage, damage from getting keyed, theft and hail damage. The most a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Ford Escape.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Most of the time these coverages do not exceed the liability coverage limits.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for bills for EMT expenses, pain medications, X-ray expenses and prosthetic devices. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Be a smart shopper

When searching for inexpensive auto insurance quotes, never sacrifice coverage to reduce premiums. In many cases, drivers have reduced liability coverage limits and found out when filing a claim that the savings was not a smart move. Your goal is to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

Affordable 2005 Ford Escape insurance is available both online and from local agencies, so you need to shop auto insurance with both to have the best chance of lowering rates. Some insurance providers don’t offer rate quotes online and usually these smaller providers only sell through independent agents.

We’ve covered many ways to reduce 2005 Ford Escape insurance car insurance rates online. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. Consumers may even find the lowest car insurance rates are with a small local company.

More information

• Speed and Speed Limit FAQ (iihs.org)
• Collision Coverage (Liberty Mutual)
• Vehicle Insurance (Wikipedia)
• Distracted Driving (Insurance Information Insitute)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• Choosing a Car for Your Teen (State Farm)