2006 Ford Escape Hybrid Insurance Cost

Looking for lower car insurance rates for your Ford Escape Hybrid? Finding low-cost insurance for a new or used Ford Escape Hybrid can be a lot of work, but you can learn these tips to find lower rates. There are more efficient ways to shop for car insurance and we’ll show you the best way to compare rates for a Ford and locate the best price possible from both online companies and local agents.

Finding the best rates is not that difficult. If you have a policy now or are just looking to switch companies, you can follow these tips to find the best rates and still get good coverage. Vehicle owners just need to learn the most efficient way to compare prices online.

Get Ford Escape Hybrid insurance cheaper

Lots of things are part of the calculation when pricing auto insurance. Some are pretty understandable like your driving record, but other criteria are not as apparent such as whether you are married or your commute time.

The factors shown below are some of the items used by companies to determine premiums.

  • Low deductibles cost more – Insurance for physical damage, also called comprehensive and collision insurance, is used to repair damage to your Ford. Examples of some claims that would be covered would be a broken side mirror, flood damage, and having your car stolen. Comprehensive and collision coverage deductibles are the amount of money you are willing to pay out-of-pocket if you file a covered claim. The more money you pay before a claim is paid (deductible), the less your company will charge you for insurance on Escape Hybrid insurance.
  • Your gender affects costs – Over the last 50 years, statistics have shown that women are safer drivers than men. However, this does not mean men are worse drivers. Both sexes cause fender benders at about the same rate, but the men tend to have higher claims. Men also get cited for more serious violations like reckless driving and DUI. Male teenagers cause the most accidents and thus pay the highest rates.
  • Careless drivers pay higher rates – Having a clean driving record has a big impact on rates. Even a single ticket could increase your next policy renewal by as much as twenty percent. Good drivers tend to pay less for car insurance compared to drivers with tickets. Drivers who have received multiple violations like hit and run, DWI or reckless driving convictions are required to file a SR-22 with their state’s licensing department in order to keep their license.
  • Better insurance rates on cars with good safety ratings – Cars with high safety ratings tend to have better insurance rates. Safer cars have better occupant injury protection and fewer serious injuries means your insurance company pays less passed on to you as lower rates.
  • Lower stress equals lower prices – Did you know your insurance rates can be affected by your occupation? Occupations like fire fighterspolice officers and accountants usually pay higher average rates in part from high stress levels and lots of time spent at work. On the other hand, careers like scientists, students and performers generally pay rates lower than average on Escape Hybrid insurance.
  • Don’t skimp on liability coverage – The liability coverage on your policy will provide protection if ever a jury decides you are liable for personal injury or accident damage. Liability insurance provides legal defense up to the limits shown on your policy. Liability is cheap compared to comp and collision, so drivers should carry high limits.

The quickest method we recommend to compare rate quotes utilizes the fact almost all companies will pay a fee to compare rate quotes. All consumers are required to do is spend a couple of minutes providing details including if you are currently licensed, your general credit rating, if a SR-22 is needed, and your job. The data is submitted instantly to many different companies and they respond with quotes immediately.

To start a rate quote now, click here and complete the form.

Don’t miss these rate-reducing discounts

Companies that sell car insurance don’t list their entire list of discounts in an easy-to-find place, so the list below gives a summary of some of the best known in addition to some of the lesser obvious credits that you can use to lower your rates.

  • Seat Belt Usage – Drivers who require all vehicle occupants to use their safety belts could cut 10% or more off the PIP or medical payment premium.
  • Military Rewards – Having a deployed family member could qualify you for better rates.
  • Claim-Free Discount – Insureds who avoid accidents and claims pay less in comparison with bad drivers.
  • Bundle and Save – If you combine your homeowners and auto policies and insure them both with the same insurance company you could earn a discount of up to 20% and get you the cheapest insurance coverage.
  • Anti-lock Brake System – Cars that have anti-lock braking systems have fewer accidents and the ABS can save up to 10%.
  • Student Discounts – Excelling in school may save as much as 25% on a insurance coverage quote. The good student discount can last up until you turn 25.

You should keep in mind that most discounts do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like medical payments or collision. Despite the appearance that adding up those discounts means a free policy, it doesn’t quite work that way.

To locate companies that offer many of these discounts, click here to view.

Do I need special coverages?

When it comes to choosing proper insurance coverage, there really is no “perfect” insurance plan. Every insured’s situation is different.

Here are some questions about coverages that can aid in determining whether you would benefit from professional advice.

  • Is rental equipment covered for theft or damage?
  • If I drive on a suspended license am I covered?
  • Do all my vehicles need collision coverage?
  • Should I drop comprehensive coverage on older vehicles?
  • Does my car insurance cover rental cars?
  • Do I need rental car coverage?
  • Does my policy cover my teen driver if they drive my company car?
  • Should I buy only the required minimum liability coverage?
  • If my pet gets injured in an accident are they covered?
  • Does my policy cover me when driving someone else’s vehicle?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Information about specific coverages

Having a good grasp of a insurance policy helps when choosing the right coverages for your vehicles. Insurance terms can be difficult to understand and reading a policy is terribly boring.

Coverage for collisions

This coverage will pay to fix damage to your Escape Hybrid from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like rolling your car, hitting a mailbox, scraping a guard rail, driving through your garage door and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also bump up the deductible to save money on collision insurance.

Liability car insurance

This provides protection from injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things such as medical expenses, repair costs for stationary objects and attorney fees. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Comprehensive protection

This pays to fix your vehicle from 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 things like a broken windshield, damage from a tornado or hurricane and falling objects. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Medical expense coverage

Med pay and PIP coverage kick in for short-term medical expenses like prosthetic devices, doctor visits and surgery. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Do the work, save more money

In this article, we presented many ways to reduce 2006 Ford Escape Hybrid insurance premium rates online. The key thing to remember is the more price quotes you have, the better your chances of lowering your prices. Drivers may discover the lowest premium rates come from a lesser-known regional company.

People switch companies for many reasons like policy cancellation, delays in paying claims, poor customer service and high prices. It doesn’t matter why you want to switch finding a great new company is pretty easy and you might even save some money in the process.

More affordable car insurance is available on the web and from local agencies, and you should compare rates from both to have the best chance of lowering rates. A few companies may not have online price quotes and many times these regional carriers only sell through independent agents.

More detailed car insurance information is available in the articles below:

Comments About 2006 Ford Escape Hybrid Insurance

  1. Wilburn Hansen

    Here’s my quote info. Live in the eastern part of Tampa, Florida. Can’t remember who all I quoted but I ended up saving about $50 each month. They have free quotes online.

  2. Toya Mills

    I’m in the suburbs of South Burlington, VT. Compared rates from a lot of places. Saved right around $30 a month. Allstate was the best choice for me. Even increased coverage a bit.

  3. Jay Mendez

    Affordable car insurance is a myth. I live in a small town just outside of Portland, Oregon. Can’t remember who all I quoted but I ended up saving about $60 each month. Even increased my liability limits. You can get a rate quote online.

  4. Rayna Miles

    I live south of Buffalo, New York. Got free quotes online for a 2006 Ford Escape Hybrid. Ended up at about $490 savings annually. Went with GEICO. Insured with Eastwood before. I have several vehicles insured with them. Just go online and compare their rates.

  5. Ferne Cooley

    Well-written and thought out article. I live just to the west of Saint Paul, MN. I got free prices from GEICO, Esurance, and Liberty Mutual for my 2006 Ford Escape Hybrid and saved around $360 a year. Was with Nationwide. Even increased coverage a bit.

  6. Cortez Mcgee

    Quoted with Mercury for my Escape Hybrid and saved around $90 a year. I have several vehicles insured with them.

  7. Jen Ashley

    Anyone know of any company in Kailua, Hawaii that will insure high risk drivers?

  8. Jodie Harrington

    I’m in the south part of Chicago, IL. I got free prices from American Family, Sentry, and some smaller one I can’t remember the name of for my 2006 Ford Escape Hybrid and saved $170 a year. I increased coverages a little too. I quoted rates online then called them.

  9. Otha Buckner

    I live in a small town just outside of Rapid City, SD. Got prices from Amica, Eastwood, and Mercury for my 2006 Ford Escape Hybrid and I think I cut my rates about $40 each month. Insured with 21st Century before. Hopefully won’t need it.

  10. Kym English

    Does State Farm have good customer service?

  11. Sabina Keith

    I’ve bought from Allstate forever. Cheapest rates in Indianapolis, IN.

  12. Caleb Olsen

    It all costs too much. From a town just southwest of Springfield, MO. Quoted with American Family, Sentry, and a few others for my 2006 Ford Escape Hybrid and saved just over $370 a year. I have a teen driver too.

  13. Joane Key

    Not sure what I should be paying. I’m from Bismarck, ND. Quoted rates from Sentry, Esurance, 21st Century, and Amica for my 2006 Ford Escape Hybrid and I think I am saving around $70 each month. Hopefully won’t need it.

  14. Delta Richards

    I got a good deal I think. I’m in the south part of Hilo, HI. Don’t remember every company but I ended up saving about $30 each month. My new agent seems to be really good.

  15. Samira Moran

    Good site, thanks. Proud to be from Lincoln, Nebraska. Got prices from American Family, MetLife, and some smaller one I can’t remember the name of for my Ford and I’m now saving $37 a month. Was with USAA. Ask about discounts.