2014 Ford Escape Insurance Quotes

Trying to find cheaper insurance rates for your Ford Escape? Searching for cheaper insurance for a Ford Escape can turn out to be a painful process, but you can use a few tricks and make it easy.

There is a better way to find insurance online so we’re going to tell you the proper way to quote coverages for a new or used Ford and obtain the cheapest rates from local insurance agents and online providers.

It’s a good idea to compare premium rates quite often because insurance prices change frequently. Just because you had the best rate on Escape coverage a few years ago you will most likely find a better premium rate today. Block out anything you think you know about insurance because I’m going to let you in on the secrets to the easiest way to buy cheaper insurance.

Cheap insurance

Effectively comparing insurance prices is a ton of work if you don’t understand the best way to get rate quotes. You can waste a lot of time discussing policy coverages with insurance agencies in your area, or you could save time and use online quoting to achieve your goal.

The majority of car insurance companies belong to a marketplace that enables customers to only type in their quote data once, and every company can provide price quotes for coverage. This eliminates the need for quote requests to each company. To compare rates using this form now click here to open in new window.

One minor caviat to using this type of form is buyers cannot specifically choose the insurers to get quotes from. So if you want to choose specific providers to compare prices, we put together a list of low cost insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but make sure you are using apples-to-apples quote data on every price quote you get. If you use different limits and deductibles on each one it will be next to impossible to decipher which rate is best.

Lower-cost car insurance quotes with discounts

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that you may not even be aware of. Most are applied when you purchase, but some discounts are required to be specifically requested before you will receive the discount.

• Memberships – Belonging to specific professional or occupational memberships or organizations could trigger savings on your policy.
• Drive Less and Save – Fewer annual miles on your Ford could earn better premium rates on cars that stay parked.
• Seat Belt Discounts – Using a seat belt and requiring all passengers to buckle up can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
• Braking Control Discount – Cars with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
• Bundled Policy Discount – If you can combine your homeowners and auto policy with one company you may save as much as 10 to 15 percent.
• Employee of Federal Government – Simply working for the federal government may qualify for a discount when you quote insurance on Escape coverage with select insurance companies.
• Air Bag Discount – Cars that have air bags could see savings of 20% or more.
• Distant Student Discount – Kids who attend college more than 100 miles from home and won’t have access to an insured vehicle may be able to be covered for less.

As is typical with insurance, most discounts do not apply to the entire cost. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like all the discounts add up to a free policy, that’s just not realistic.

A few companies that have these money-saving discounts are:

• The Hartford
• American Family
• Progressive
• Travelers
• Farmers Insurance
• USAA
• Liberty Mutual

Before purchasing a policy, check with each company or agent what discounts are available to you. Depending on the company, some discounts may not apply to policyholders in every state. To choose insurance companies that offer discounts, click here to view.

How insurers determine Ford Escape insurance prices

Lots of things are part of the calculation when you get a price on insurance. Some factors are common sense such as traffic violations, although others are less obvious like where you live or how financially stable you are.An important part of buying insurance is that you know some of the factors that come into play when calculating the level of your policy premiums. If you know what influences your rates, this helps enable you to make changes that can earn you much lower annual insurance costs.

The following are a few of the things used by insurance companies to determine your prices.

• Your job may affect car insurance rates – Occupations like real estate brokers, architects and stock brokers tend to pay higher premiums than the average policyholder due to intense work requirements and extremely grueling work hours. On the other hand, jobs such as professors, students and the unemployed have lower than average premiums on Escape coverage.
• Prices also based on gender – Statistics have proven that men are more aggressive behind the wheel. The data does not necessarily mean that males are worse at driving than females. Both sexes cause accidents at a similar rate, but guys have costlier accidents. Men also get higher numbers of serious violations like reckless driving and DUI.
• Maintain car insurance coverage – Allowing your car insurance policy to lapse can be a quick way to increase your renewal premiums. Not only will you pay more, the inability to provide proof of insurance could result in a license revocation or jail time.
• Save miles and save money – The more you drive annually the higher your rates will be. Most insurance companies calculate prices based on how the vehicle is used. Autos that are left in the garage can get a lower rate than those used for commuting. It’s a smart idea to ensure your car insurance declarations sheet is showing annual mileage. Improper usage on your Escape is just wasting money.
• Poor credit can mean higher premiums – Having a bad credit history will be a significant factor in determining your rates. Therefore, if your credit rating is not that good, you could save money insuring your 2014 Ford Escape by taking the time to improve your credit score. Insureds that have excellent credit tend to file fewer claims and have better driving records as compared to drivers with bad credit.

Tailor your car insurance coverage to you

When it comes to choosing coverage, there really is no “perfect” insurance plan. Every situation is different.

For instance, these questions might point out if your situation may require specific advice.

• Does my insurance cover my expensive audio equipment?
• What is PIP insurance?
• Do I have any recourse if my insurance company denies a claim?
• What vehicles should carry emergency assistance coverage?
• Where can I get insurance after a DUI in my state?
• Are split liability limits better than a combined single limit?
• Am I covered when using my vehicle for business?
• How high should my uninsured/underinsured coverage be in my state?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Auto insurance policy specifics

Learning about specific coverages of auto insurance aids in choosing appropriate coverage and proper limits and deductibles. Auto insurance terms can be difficult to understand and reading a policy is terribly boring.

Auto liability

This can cover damages or injuries you inflict on people or other property in an accident. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things like structural damage, emergency aid, funeral expenses and legal defense fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage protection

Collision insurance will pay to fix damage to your Escape resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as sustaining damage from a pot hole, damaging your car on a curb, crashing into a building, crashing into a ditch and rolling your car. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as damage to your 2014 Ford Escape.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for bills such as rehabilitation expenses, hospital visits, funeral costs and nursing services. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Comprehensive coverage (or Other than Collision)

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

Comprehensive can pay for claims like falling objects, fire damage, hitting a bird, vandalism and damage from flooding. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Buy online or local, you save

As you quote insurance, do not skimp on coverage in order to save money. There are a lot of situations where an insured cut uninsured motorist or liability limits and found out when filing a claim that it was a big mistake. Your goal is to find the BEST coverage at a price you can afford and still be able to protect your assets.

In this article, we covered a lot of tips how to save on 2014 Ford Escape insurance. It’s most important to understand that the more times you quote, the better likelihood of getting affordable insurance. Drivers may discover the lowest rates come from the least-expected company.

Cheap 2014 Ford Escape insurance can be sourced from both online companies and also from your neighborhood agents, so you need to quote insurance with both to have the best chance of lowering rates. Some insurance companies don’t offer internet price quotes and many times these small insurance companies only sell through independent agents.

Additional detailed information is located in these articles:

• Insurance Losses by Make and Model (iihs.org)
• Who Has Affordable Lincoln Car Insurance for a Ford Escape? (LincolnAutoGuard.com)
• Car Insurance: When not to Skimp (BankRate.com)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Reducing Your Risks in a Car Crash Video (iihs.org)