Cheap 2009 Ford Escape Car Insurance Quotes

Want lower insurance rates for your Ford Escape? Wish you could get out of high-priced insurance? Believe me, you are not the only one feeling buyer’s remorse.

There are many insurance companies to insure vehicles with, and though it is a good thing to have a selection, having more insurance companies makes it harder to find the lowest cost provider.

How to compare insurance quotes

Shopping for lower insurance rates can be a lot of work if you don’t utilize the fastest way to get free quotes. You can waste a few hours (or days) talking about coverages with agents in your area, or you could use the web to accomplish the same thing much quicker.

Most major companies participate in a marketplace that enables customers to only type in their quote data once, and each participating company then returns a price quote based on the submitted data. This saves time by eliminating form submissions for every insurance company. To compare rates now click here to open in new window.

One minor caviat to using this type of form is you can’t choose the providers you will receive quotes from. So if you prefer to pick specific insurance companies to compare, we have a listing of companies who write insurance in your area. Click to view list.

Whichever method you choose, make sure you are using exactly the same coverage limits for every company. If you are comparing different coverage information you will not be able to make a fair comparison for your Ford Escape. Even a minor difference in limits may cause a big price difference. And when quoting insurance, remember that comparing more rates from different companies provides better odds of finding the best price.

Insurance coverage discounts help lower rates

Some insurance providers don’t always list every available discount very clearly, so the list below details some of the best known as well as the least known discounts that may be available.

• Resident Student – who live away from home at college and do not have access to a covered vehicle can receive lower rates.
• Telematics Data Discounts – Drivers who agree to allow their insurance coverage company to scrutinize when and where they use their vehicle by using a telematics device in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease as long as the data is positive.
• Discount for Swiching Early – A few companies give discounts for signing up before your current coverage expires. It’s a savings of about 10%.
• Auto/Life Discount – Some insurance companies give lower insurance coveragerates if you buy a life insurance policy as well.
• Discounts for Federal Employees – Being employed by or retired from a federal job could provide a small rate reduction for Escape insurance with a few insurance coverage companies.
• New Vehicle Savings – Insuring a new car can save you some money compared to insuring an older model.
• Homeowners Discount – Simply owning a home may trigger a policy discount on insurance coverage because owning a home means you have a higher level of financial diligence.
• Senior Discount – If you’re over the age of 55, you may be able to get a small decrease in premiums for Escape insurance.

You should keep in mind that most of the big mark downs will not be given to all coverage premiums. Most cut specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears all the discounts add up to a free policy, you aren’t that lucky. But all discounts should definitely cut the cost of coverage.

A partial list of companies who may offer these discounts include:

• Farmers Insurance
• Esurance
• State Farm
• Geico
• Allstate

Double check with each insurance company how many discounts you can get. A few discounts might not apply in your area.

Which is the best insurance coverage?

When buying coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions can aid in determining if you would benefit from an agent’s advice.

• Does medical payments coverage apply to all occupants?
• Do I need medical payments coverage since I have good health insurance?
• Do I have coverage when using my vehicle for my home business?
• Is a blown tire covered by insurance?
• Do I have newly-aquired coverage?
• When does my teenage driver need to be added to my policy?
• How can I force my company to pay a claim?
• When would I need rental car insurance?
• Should I buy more coverage than the required minimum liability coverage?
• Does my personal policy cover me when driving out-of-state?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Seven factors that affect insurance prices

Smart consumers have a good feel for some of the things that are used to determine the level of your policy premiums. If you understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that could help you find lower premium levels.

• Gals tend to be lower risk – Statistics demonstrate that women are safer drivers than men. That doesn’t necessarily mean that women are better drivers. Men and women cause at-fault accidents at about the same rate, but men have costlier accidents. Not only are claims higher, but men get higher numbers of serious violations like driving under the influence (DUI). Male drivers age 16 to 19 tend to get in the most accidents and therefore have the most expensive insurance coverage rates.
• Car plus home equals more savings – Most major insurers give better rates to buyers who consolidate policies with them such as combining an auto and homeowners policy. Discounts can be as much as ten percent or more Even if you qualify for this discount already, it’s always a smart idea to compare other insurance prices to confirm you are receiving the best rates possible.
• Pay more if you have a long commute – Residing in a rural area has it’s advantages when talking about insurance coverage. Urban drivers have to deal with more road rage incidents and higher rates of accident claims. Less people means less chance of accidents and a lower car theft rate.
• Drive fewer miles and save – The higher the mileage driven in a year’s time the higher the price you pay to insure it. The majority of insurers apply a rate based upon how you use the vehicle. Cars and trucks not used for work or commuting qualify for better rates than those used for commuting. It’s a smart idea to ensure your insurance coverage policy shows the proper vehicle usage, because improper ratings can cost you money. Having the wrong rating on your Escape can cost quite a bit.
• Cars with good safety ratings cost less to insure – Vehicles that have high safety ratings get lower rates. Safe vehicles reduce the chance of injuries and lower injury rates means lower claim amounts which can result in lower premiums.
• Youthful drivers cost more – Young drivers tend to be less responsible behind the wheel so insurance coverage rates are higher. Older, more experienced drivers are shown to be more cautious, statistically cause fewer accidents , and are generally more financially stable.
• Improve your credit rating – Having a good credit score is a large factor in determining what you pay. Insureds with good credit tend to file fewer claims and have better driving records than drivers with bad credit. If your credit leaves room for improvement, you could potentially save money when insuring your 2009 Ford Escape by improving your credit score.

Auto insurance 101

Learning about specific coverages of a car insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. These are typical coverage types found on most car insurance policies.

Coverage for uninsured or underinsured drivers – This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your Ford Escape.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Liability – Liability coverage will cover injuries or damage you cause to other people or property that is your fault. It protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims such as pain and suffering, medical expenses, structural damage and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Collision coverages – This coverage pays for damage to your Escape from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as backing into a parked car, driving through your garage door and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible to bring the cost down.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like funeral costs, rehabilitation expenses, EMT expenses and dental work. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Comprehensive car insurance – This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hail damage, a broken windshield, falling objects and fire damage. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

A penny earned…

As you restructure your insurance plan, do not sacrifice coverage to reduce premiums. There are too many instances where someone dropped full coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your goal is to purchase plenty of coverage for the lowest price.

You just read many tips how you can lower your 2009 Ford Escape insurance car insurance rates. The most important thing to understand is the more companies you get premium rates for, the better your chances of lowering your premium rates. Drivers may discover the biggest savings come from some of the smallest insurance companies. Regional companies may cover specific market segments cheaper as compared to the big name companies such as State Farm or Progressive.

To learn more, link through to these articles:

• Distracted Driving Statistics (Insurance Information Insitute)
• Things to Know Before you Cancel Insurance (Allstate)
• Driving in Bad Weather (Insurance Information Insitute)
• Neck Injury FAQ (iihs.org)