2013 Ford Escape Car Insurance Rates

Having to pay for pricey Ford Escape insurance can draw down your funds and force you to tighten up your finances. Performing a price comparison is a smart way to lower your monthly bill.

With so many insurance companies to choose from, it can be hard to locate the lowest price company.

More discounts mean lower-cost premiums

Some providers don’t list every discount they offer in an easy-to-find place, so the following list contains some of the more common as well as some of the hidden credits that may apply to you.

• Telematics Data – Insureds that choose to allow their auto insurance company to look at where and when they drive by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive might see lower rates as long as the data is positive.
• Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in high school.
• Discount for Swiching Early – Some auto insurance companies provide a discount for switching companies prior to your current policy expiring. It can save you around 10%.
• Safety Restraint Discount – Drivers who require all vehicle occupants to buckle up may be able to save a few bucks off PIP or medical payments premium.
• Accident Forgiveness Coverage – Not a discount per se, but a handful of insurance companies will let one accident slide without getting socked with a rate hike if your claims history is clear for a specific time period.

A quick disclaimer, most of the big mark downs will not be given to your bottom line cost. Some only apply to individual premiums such as physical damage coverage or medical payments. Even though the math looks like all those discounts means the company will pay you, it doesn’t quite work that way. But all discounts will lower the cost of coverage.

Popular auto insurance companies and their possible discounts are detailed below.

• Progressive offers premium reductions for good student, continuous coverage, multi-vehicle, online quote discount, online signing, and multi-policy.
• Farmers Insurance has discounts for pay in full, business and professional, mature driver, distant student, and alternative fuel.
• Farm Bureau may have discounts that include multi-vehicle, youthful driver, safe driver, good student, 55 and retired, and driver training.
• State Farm policyholders can earn discounts including multiple policy, driver’s education, passive restraint, Steer Clear safe driver discount, and good student.
• Geico includes discounts for defensive driver, anti-lock brakes, emergency military deployment, federal employee, driver training, and military active duty.
• SAFECO may include discounts for safe driver, anti-theft, drive less, teen safe driver, anti-lock brakes, homeowner, and accident prevention training.
• Liberty Mutual offers discounts including teen driver discount, new vehicle discount, new graduate, preferred payment discount, and multi-policy.

If you need lower rates, check with every prospective company how you can save money. Some discounts listed above may not be offered in your area. If you would like to see a list of insurance companies with discount auto insurance rates, follow this link.

Buy auto insurance online

Many insurance companies like Allstate and Progressive allow you to get coverage prices directly from their websites. Comparing prices online doesn’t take a lot of time as you just enter your coverage preferences as requested by the quote form. After you complete the form, their system automatically orders your driving record and credit report and returns pricing information based on the information you submitted. This makes it easy to compare insurance prices but the process of having to visit many different websites and type in the same information gets old quite quickly. But it’s very important to compare as many rates as possible if you want to find the best price possible.

The easiest way to find better auto insurance pricing is to use a quote form to obtain quotes from multiple companies. It’s a real time-saver, eliminates repetitive work, and makes rate comparisons a little more enjoyable. After sending the form, it is rated and you can select any or none of the quotes that you receive.

If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. It can be completed in a matter of minutes and may save quite a bit of money.

To get comparison pricing now, click here to open in new window and complete the simple form. If you have your current policy handy, we recommend you type in coverages and limits exactly as shown on your declarations page. This way, you are getting an apples-to-apples comparison for similar coverage.

It’s not one size fits all

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions may help highlight whether you may require specific advice.

• When should I not file a claim?
• Will I be non-renewed for getting a DUI or other conviction?
• Where can I find high-risk insurance?
• Can I afford low physical damage deductibles?
• How much liability insurance is required?
• How do I insure my teen driver?
• What is the difference between comprehensive and collision coverage?
• Should I put collision coverage on all my vehicles?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Specific coverage details

Having a good grasp of your policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. These are the usual coverages found on the average car insurance policy.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like chiropractic care, dental work and hospital visits. They are often utilized in addition to your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Liability coverages

Liability insurance protects you from damage or injury you incur to other people or property that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as legal defense fees, medical services and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverages

This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hitting a deer, hail damage, falling objects and a broken windshield. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision insurance

This pays to fix your vehicle from damage resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as driving through your garage door, sideswiping another vehicle and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

This gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 2013 Ford Escape.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Frequently the UM/UIM limits are set the same as your liablity limits.

Never pay more for less

When you buy auto insurance online, make sure you don’t buy poor coverage just to save money. There have been many situations where someone sacrificed liability limits or collision coverage only to discover later that the savings was not a smart move. The aim is to find the BEST coverage at a price you can afford, but don’t skip important coverages to save money.

You just read many ways to lower your 2013 Ford Escape insurance rates. The key concept to understand is the more providers you compare, the higher the chance of saving money. You may even find the biggest savings come from a company that doesn’t do a lot of advertising. They often have lower car insurance rates on specific markets as compared to the big name companies such as Allstate or State Farm.

Additional insurance information can be found at these links:

• What is Covered by GAP Insurance? (Allstate)
• How Much is Auto Insurance for a Ford Escape in Greensboro? (QuoteGreensboro.com)
• Auto Crash Statistics (Insurance Information Insitute)
• Avoiding Deer Collisions (Insurance Information Insitute)
• Teen Driving and Texting (State Farm)
• Booster Seat Ratings (iihs.org)