Cheap 2006 Ford Escape Insurance Quotes

Being forced to pay for overpriced insurance premiums can drain your savings and put a big crunch on your finances. Comparing rate quotes can lower your rates and help to lower your bills every month.

Because there are so many insurance providers from which to choose, it can be challenging to pick the most affordable insurance company.

Smart consumers take time to compare premium rates every six months because prices are adjusted regularly by insurance companies. Just because you found the lowest rates on Escape insurance a few years ago a different company probably has better premium rates today. Ignore everything you know about insurance because we’re going to show you the easiest way to find better rates and still maintain coverage.

Finding the best rates is not that difficult. If you currently have a car insurance policy, you stand a good chance to be able to save some money using this information. Drivers just need to learn the proper methods to buy car insurance online.

Ways to get insurance price quotes

There are multiple methods to compare insurance prices and some are more efficient than others. You could waste a few hours talking to agents in your area, or you can stay home and use the web to get rate comparisons in just a few minutes.

Many companies enroll in a system that allows shoppers to submit their information once, and each participating company returns a rated price based on that data. This prevents consumers from doing quotation requests to each company.

To compare rates using this form now click to open in new window.

The only downside to getting quotes like this is that you can’t choose which carriers you want pricing from. If you wish to select from a list of companies to compare rates, we put together a list of insurance companies in your area. Click to view list.

Whichever way you choose to compare rates, make sure you compare the same quote data with every price quote. If each company quotes different liability limits then you won’t be able to determine which company has the best rates.

Are you getting every discount?

Car insurance is not cheap, but there are discounts available that can drop the cost substantially. Some discounts apply automatically at quote time, but some may not be applied and must be specially asked for prior to getting the savings.

• Federal Employees – Active or retired federal employment could provide a small rate reduction on Escape insurance with select insurance companies.
• Driver Safety – Taking time to complete a defensive driving course could possibly earn you a 5% discount if you qualify.
• Policy Bundle Discount – If you insure your home and vehicles with the same company you could earn a discount of at least 10 to 15 percent or more.
• First Accident Forgiveness – Not really a discount, but a handful of insurance companies will let one accident slide without getting socked with a rate hike as long as you don’t have any claims for a certain period of time.
• Low Mileage Discounts – Low mileage vehicles may enable drivers to earn cheaper rates.
• Early Signing – Some larger companies give discounts for buying a new policy prior to your current policy expiring. You may see this discount when you get auto insurance quotes online.
• Anti-lock Brakes – Cars, trucks, and SUVs with ABS and/or traction control can stop better under adverse conditions and the ABS can save up to 10%.
• Good Grades Discount – Performing well in school may save you up to 25%. You can use this discount normally up until you turn 25.
• Own a Home and Save – Owning a home may trigger a policy discount on auto insurance because owning a home shows financial diligence.

As is typical with insurance, most credits do not apply to the entire policy premium. Some only apply to individual premiums such as medical payments or collision. If you do the math and it seems like it’s possible to get free car insurance, it’s just not the way it works. But all discounts will help lower your policy premiums.

The best auto insurance companies and the discounts they provide are included below.

• State Farm offers premium reductions for Drive Safe & Save, good driver, passive restraint, driver’s education, multiple autos, multiple policy, and anti-theft.
• Geico may offer discounts for emergency military deployment, military active duty, air bags, seat belt use, anti-lock brakes, and driver training.
• SAFECO has discounts for accident prevention training, teen safe driver, teen safety rewards, homeowner, anti-lock brakes, safe driver, and drive less.
• Farmers Insurance has savings for switch companies, alternative fuel, early shopping, electronic funds transfer, homeowner, and youthful driver.
• AAA includes discounts for good driver, anti-theft, good student, AAA membership discount, multi-car, pay-in-full, and education and occupation.
• USAA offers discounts including good student, military installation, multi-vehicle, driver training, and annual mileage.

When getting free auto insurance quotes, it’s a good idea to every prospective company which discounts can lower your rates. Some of the earlier mentioned discounts may not apply to policyholders in your area.

Lower your insurance rates

Many things are part of the equation when pricing auto insurance. Most are fairly basic such as your driving history, but others are more obscure such as whether you are married or your vehicle rating.

• Don’t buy extra coverages you don’t use – Policies have additional extra coverages that sound like a good idea at the time when buying car insurance. Insurance for things like replacement cost coverage, towing coverage, and additional equipment coverage are probably not needed. These coverages may sound good at first, but if you don’t need them remove them from your policy.
• Single drivers may pay more – Having a spouse actually saves money on car insurance. It generally demonstrates drivers are more responsible and insurance companies reward insureds because being married results in fewer claims.
• Better prices for no policy lapses – Having an insurance coverage lapse can be a guaranteed way to bump up your car insurance costs. Not only will you pay more, getting caught without coverage may result in a steep fine or even jail time. You may need to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
• High credit scores save money – A driver’s credit score can be an important factor in determining your rates. People that have high credit ratings tend to be less risk to insure than drivers who have worse credit. So if your credit history is lower than you’d like, you could save money insuring your 2006 Ford Escape by improving your credit score.
• Where you call home – Having an address in a small town has it’s advantages if you are looking for the lowest rates. Residents of big cities have much more traffic and longer commute times. Lower population means reduced accidents and a lower car theft rate.
• Younger drivers pay higher premiums – Older people are more cautious drivers, tend to file fewer claims , and are generally more financially stable.Teen drivers are statistically shown to be inattentive when at the wheel of a vehicle and because of this, their car insurance rates are much higher.
• Rate your vehicle for proper use – The more you drive every year the higher your rate. Most insurance companies charge rates based upon how the vehicle is primarily used. Cars that do not get driven very much can get a lower rate than those that get driven frequently. It’s a good idea to make sure your declarations sheet properly reflects annual mileage. Having an incorrect usage rating on your Escape can result in significantly higher rates.
• Safeguard your assets with liability insurance – Liability insurance will protect you if you are found to be at fault for an accident. This coverage provides legal defense which can cost a lot. Carrying liability coverage is mandatory and cheap compared to other policy coverages, so drivers should buy more than the minimum limits required by law.

When in doubt talk to an agent

When buying the right insurance coverage, there really is no single plan that fits everyone. Each situation is unique so your insurance should reflect that For instance, these questions may help you determine whether you will benefit from professional help.

• Why am I required to get a high-risk car insurance policy?
• Does my insurance cover damage caused when ticketed for reckless driving?
• What if I don’t agree with a claim settlement offer?
• Does my insurance cover a custom paint job?
• At what point should I drop full coverage?
• Should I have a commercial auto policy?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

Insurance coverages explained

Learning about specific coverages of a insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on most insurance policies.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as chiropractic care, prosthetic devices, X-ray expenses, funeral costs and ambulance fees. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Collision coverages – Collision coverage pays to fix your vehicle from damage caused by collision 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 things such as colliding with a tree, hitting a mailbox and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Liability insurance – Liability insurance can cover damage or injury you incur to a person or their property that is your fault. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

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

Liability insurance covers things such as repair bills for other people’s vehicles, repair costs for stationary objects, medical expenses, structural damage and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

Comprehensive (Other than Collision) – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like rock chips in glass, theft and fire damage. The most your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your 2006 Ford Escape.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

In Summary

We just covered a lot of ways to compare 2006 Ford Escape insurance car insurance rates online. The key concept to understand is the more rate comparisons you have, the higher your chance of finding cheaper auto insurance. You may even discover the best car insurance rates are with a lesser-known regional company. Smaller companies may often insure only within specific states and give getter rates than their larger competitors like Geico and State Farm.

Budget-friendly insurance is available from both online companies and from local insurance agents, and you should be comparing both to have the best rate selection. Some companies may not provide the ability to get a quote online and many times these smaller companies sell through local independent agencies.

Other learning opportunities

• Booster Seat Ratings (iihs.org)
• What Car Insurance is Cheapest for a Ford Escape in Arlington? (ArlingtonCoverage.com)
• What is a Telematics Device? (Allstate)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Child Safety FAQ (iihs.org)
• Auto Crash Statistics (Insurance Information Insitute)