2010 Ford Escape Insurance Rates

Want cheaper car insurance rates? Drivers have options when trying to find low-cost Ford Escape insurance. They can either spend hours calling around getting price quotes or leverage the internet to make rate comparisons.

There is a better way to buy car insurance and you need to know the proper way to quote coverages for a new or used Ford and get the lowest price from local insurance agents and online providers.

Consumers need to compare rates every six months because prices are constantly changing. Even if you got the best price on Escape insurance six months ago other companies may now be cheaper. Ignore everything you know about car insurance because you’re about to learn the easiest way to save on car insurance.

The purpose of this article is to introduce you to the most effective way to quote insurance and some money-saving tips. If you have car insurance now, you will be able to cut costs considerably using these techniques. Consumers just need to know the tricks to buy auto insurance online.

Car insurance rates and discounts

Some providers don’t always list the entire discount list very clearly, so we break down both the well known as well as the least known ways to save on car insurance.

• Own a Home and Save – Being a homeowner may trigger a policy discount on car insurance because owning a home requires personal responsibility.
• Good Student – Being a good student may save as much as 25% on a insurance coverage quote. Most companies allow this discount well after school through age 25.
• Discount for Passive Restraints – Options like air bags or automatic seat belts can receive discounts of 25 to 30%.
• Senior Citizen Rates – Seniors are able to get lower premium rates on Escape insurance.
• Discounts for Multiple Vehicles – Buying coverage for several vehicles on a single policy can get a discount on all vehicles.
• Government Employees – Simply working for the federal government can earn a discount up to 10% on Escape insurance with a few car insurance companies.
• Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course as it will make them better drivers and lower rates.
• Service Members Pay Less – Being deployed in the military could qualify you for better car insurance rates.

As a sidenote, most discounts do not apply the the whole policy. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like adding up those discounts means a free policy, nobody gets a free ride.

To choose companies who offer cheap car insurance quotes, click this link.

Situations that may require an agent’s advice

When buying adequate coverage, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might help in determining whether you might need professional guidance.

• What if I don’t agree with a claim settlement offer?
• Will I be non-renewed for getting a DUI or other conviction?
• Am I covered if hit by an uninsured driver?
• How high should my uninsured/underinsured coverage be in my state?
• Will filing a claim cost me more?
• Why am I required to buy high-risk coverage?
• Where can I find DUI or SR-22 insurance?
• Am I covered when using my vehicle for business?
• Are my friends covered when driving my 2010 Ford Escape?
• Can I still get insurance after a DUI?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Specific coverages for a Ford Escape

Understanding the coverages of your policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Uninsured and underinsured coverage – Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as damage to your 2010 Ford Escape.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these limits are similar to your liability insurance amounts.

Collision coverages – Collision insurance covers damage to your Escape from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like sideswiping another vehicle, hitting a parking meter and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Coverage for medical payments – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like EMT expenses, surgery, nursing services, pain medications and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverages – This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a bird, fire damage, damage from a tornado or hurricane and vandalism. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto liability – This protects you from damage or injury you incur to other’s property or people in an accident. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as medical services, repair costs for stationary objects, structural damage and pain and suffering. How much liability should you purchase? That is up to you, but buy as much as you can afford.

A little work can save a LOT of money

Cheaper insurance coverage can be bought online as well as from independent agents, and you should be comparing both so you have a total pricing picture. Some insurance coverage companies do not provide the ability to get quotes online and usually these smaller providers provide coverage only through independent insurance agents.

As you restructure your insurance plan, it’s very important that you do not reduce needed coverages to save money. Too many times, someone sacrificed collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to get the best coverage possible for the lowest price, not the least amount of coverage.

We’ve covered many ways to compare 2010 Ford Escape insurance rates online. The most important thing to understand is the more companies you get car insurance rates for, the higher your chance of finding cheaper insurance coverage. Consumers could even find that the best price on insurance coverage is with a lesser-known regional company.

Other resources

• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• How Much are Car Insurance Rates for a Ford Escape in Madison? (MadisonInsure.com)
• Who Has Affordable Auto Insurance for a Ford Escape in Anchorage? (AnchorageAutoGuard.com)
• Cellphones, Texting and Driving (iihs.org)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Driving in Bad Weather (Insurance Information Insitute)
• Credit and Insurance Scores (Insurance Information Insitute)