Lower Your 2007 Ford Escape Insurance Cost

Finding cheap insurance may seem to be overwhelming for people new to buying insurance online. With such a large number of insurance companies available, how can people efficiently compare them all to find the cheapest rates?

Find discounts to get cheap auto insurance rates

Insuring your fleet can be pricey, but there may be some discounts that can dramatically reduce your bill. Certain discounts will be triggered automatically when you complete an application, but some may not be applied and must be specifically requested in order for you to get them.

  • Discount for Multiple Policies – When you combine your auto and homeowners insurance with one insurance company you could earn a discount of as much as 10 to 15 percent.
  • Distant Student – Older children who are attending college and do not take a car to college could qualify for this discount.
  • Responsible Driver Discount – Insureds who avoid accidents can save as much as half off their rates for Escape coverage than their less cautious counterparts.
  • Air Bag Discount – Vehicles equipped with air bags or motorized seat belts may qualify for discounts as much as 30%.
  • Anti-theft System – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency so companies will give you a small discount.
  • Senior Citizens – Older drivers may receive a small discount on rates for Escape coverage.

Keep in mind that most discount credits are not given the the whole policy. The majority will only reduce the cost of specific coverages such as comp or med pay. Just because it seems like having all the discounts means you get insurance for free, nobody gets a free ride.

Popular auto insurance companies and the discounts they provide can be read below.

  • GEICO discounts include multi-vehicle, five-year accident-free, driver training, daytime running lights, and good student.
  • MetLife offers premium reductions for multi-policy, claim-free, accident-free, good driver, defensive driver, good student
  • State Farm may include discounts for good student, good driver, student away at school, multiple autos, defensive driving training, driver’s education, and anti-theft.
  • Progressive includes discounts for good student, online signing, multi-vehicle, online quote discount, and multi-policy.
  • Mercury Insurance offers discounts including good student, ease of repair, anti-theft, accident-free, low natural disaster claims, annual mileage, and multi-car.
  • 21st Century may offer discounts for defensive driver, driver training, homeowners, air bags, student driver, and automatic seat belts.
  • Allstate has savings for premier plus, anti-lock brakes, 55 and retired, good student, and multi-policy.

If you are trying to find low cost car insurance quotes, ask every prospective company which discounts they offer. Discounts might not be offered in every state. To see a list of insurance companies with discount rates, click here to view.

The best way we recommend to compare rates is to take advantage of the fact most of the larger companies will pay a fee to quote your coverage. The only thing you need to do is take a few minutes to give details like types of safety features, which vehicles you own, your occupation, and if you have a valid license. The data is instantly submitted to many different companies and you will get price comparisons almost instantly.

To find the cheapest 2007 Ford Escape insurance rates, click here and find out if lower rates are available.

Learn how to lower your insurance prices

One of the most helpful ways to save on auto insurance is to to have a grasp of some of the factors that help calculate your premiums. If you know what determines base rates, this enables informed choices that could result in lower auto insurance prices. Lots of factors are part of the equation when premium rates are determined. Some are obvious such as your driving history, but some are more obscure such as your marital status or your commute time.

  • Liability insurance limits should be high – Liability insurance provides coverage in the event that a court rules you are at fault for damages from an accident. It provides you with a defense in court which can cost thousands of dollars. Liability is cheap when compared to the cost of physical damage coverage, so drivers should carry high limits.
  • Add-on coverages could be costing you – Insurance policies have a lot of extra add-on coverages that you can buy when buying auto insurance. Coverages like rental car coverage, better glass coverage, and extra equipment coverage may be wasting your money. They may sound like good ideas when discussing your needs, but your money might be better spent on other coverage so remove them from your policy.
  • Consolidate policies with the same company – Most insurers apply discounts to customers who buy several policies from them such as combining an auto and homeowners policy. The amount of the discounts can be 10 percent or more. Even if you’re getting this discount drivers will still want to compare other company rates to help guarantee you have the best rates.
  • More traffic equals higher premiums – Being located in less populated areas has it’s advantages when it comes to auto insurance. City drivers tend to have congested traffic and a longer drive to work. Fewer drivers means less chance of accidents.
  • Youthful driver insurance rates – Older insureds have been proven to be more responsible, statistically cause fewer accidents .Youthful drivers have been known to be easily distracted with other occupants in the car and because of this, their auto insurance rates are much higher.

Tailor your insurance coverage to you

When choosing proper insurance coverage for your vehicles, there really is no perfect coverage plan. Everyone’s situation is unique.

These are some specific questions could help you determine if your insurance needs could use an agent’s help.

  • How high should my uninsured/underinsured coverage be in my state?
  • How does medical payments coverage work?
  • Am I covered when driving someone else’s vehicle?
  • Do I have coverage when pulling a U-Haul trailer?
  • When can I cancel my policy?
  • How high should my medical payments coverage be?
  • Am I missing any policy discounts?

If you’re not sure about those questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form.

Auto insurance policy specifics

Knowing the specifics of a auto insurance policy aids in choosing the right coverages and the correct deductibles and limits. Auto insurance terms can be confusing and nobody wants to actually read their policy.

Medical expense coverage – Coverage for medical payments and/or PIP reimburse you for expenses for hospital visits, EMT expenses, nursing services, X-ray expenses and pain medications. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive protection – This will pay to fix 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 such as theft, hitting a deer, rock chips in glass, a broken windshield and damage from flooding. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage – This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Ford Escape.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for liability – This coverage protects you from damage that occurs to other people or property that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things such as bail bonds, attorney fees, medical services and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

Collision – This coverage covers damage to your Escape resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like sideswiping another vehicle, crashing into a building, driving through your garage door and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

You can do this!

While you’re price shopping online, never buy less coverage just to save a little money. In too many instances, an accident victim reduced liability coverage limits and learned later that the small savings ended up costing them much more. The goal is to buy the best coverage you can find at the best possible price, but don’t skip important coverages to save money.

You just read many ways to get a better price on 2007 Ford Escape insurance. The key concept to understand is the more providers you compare, the better your comparison will be. Consumers could even find that the best prices are with a company that doesn’t do a lot of advertising.

Cost effective 2007 Ford Escape insurance is definitely available on the web and from local agencies, so you need to shop car insurance with both in order to have the best chance of saving money. A few companies may not provide online quoting and these regional insurance providers only sell coverage through independent agents.

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Comments About 2007 Ford Escape Insurance

  1. Nicol Hodge

    Where is cheaper car insurance? From west side of Lewiston, ME. I got free quotes from Progressive, AIG Insurance, and some I forget for my Ford and saved $259 a year. Was with Hanover. I get a discount for insuring multiple vehicles. Get lots of quotes to find the best rate.

  2. Aline Goff

    Lots of useful info here. I live east of Burlington, VT. Went online for free insurance quotes for a 2007 Ford Escape. Ended up at about $440 savings annually. Went with 21st Century. Have a couple speeding tickets too.

  3. Ricky Crosby

    If you’re a decent driver and live around Providence, Rhode Island, check out 21st Century. They seem to be cheaper. Hardly afford to drive anymore.

  4. Blythe Herrera

    Cheaper car insurance is a myth. I’m in the suburbs of Tacoma, Washington. Quoted prices online for a 2007 Ford Escape. Ended up at about $450 savings annually. Went with GEICO. Insured with Erie before. I have a couple other vehicles on the policy. Highly recommended.

  5. Cami Pennington

    I’m in the south part of Los Angeles, CA, and State Farm rates were best.

  6. Precious Pittman

    Proud to be from Kansas City, Kansas. I quoted with 21st Century, GMAC, and Encompass for my Escape and cut my rates about $160 a year. Thankfully I have a good driving record.

  7. Dimple Guerra

    I chose to switch to GEICO from AAA. I live in Eugene, OR. I’m a pretty good driver though. I quoted rates online then called them.