2018 Ford EcoSport Car Insurance Rates – 7 Tips for Cheapest Quotes

Looking for cheaper insurance rates for your Ford EcoSport? If you are a novice to online insurance shopping, you can be overwhelmed thanks to the incredible selection of companies competing for business.

Earn discounts to get lower-cost auto insurance rates

Auto insurance is neither fun to buy or cheap, but there may be some discounts that you may not even know about. Some of these disounts will be visible when you complete an application, but some discounts are required to be inquired about in order for you to get them.

• Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts could see savings of 20% or more.
• Low Mileage Discounts – Maintaining low annual mileage can qualify you for lower rates due to less chance of an accident.
• Accident Waiver – Not necessarily a discount, but some companies like Progressive, State Farm and Geico allow you one accident before they charge you more for coverage so long as you are claim-free prior to the accident.
• Buy New and Save – Insuring a new car may earn a small discount because newer vehicles are generally safer.
• 55 and Retired – Seniors may be able to get a discount up to 10% for EcoSport coverage.
• Full Payment Discount – If paying your policy premium upfront instead of making monthly payments you may have a lower total premium amount.
• Theft Deterent – Cars equipped with anti-theft or alarm systems have a lower chance of being stolen and earn discounts up to 10% off your insurance quote.

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. A few only apply to specific coverage prices like comp or med pay. Even though it appears adding up those discounts means a free policy, you won’t be that lucky.

A few popular companies and a summarized list of policyholder discounts are:

• Farmers Insurance discounts include switch companies, business and professional, alternative fuel, teen driver, homeowner, youthful driver, and mature driver.
• Esurance offers premium reductions for renters, paid-in-full, Switch & Save, emergency road assistance, and multi-policy.
• State Farm offers discounts for multiple policy, driver’s education, Drive Safe & Save, defensive driving training, and student away at school.
• Geico offers discounts including driver training, anti-lock brakes, air bags, five-year accident-free, multi-policy, multi-vehicle, and anti-theft.
• Allstate has savings for auto/life discount, good student, EZ pay plan discount, resident student, 55 and retired, new car, and early signing.

It’s a good idea to ask each insurance company which discounts they offer. Some discounts listed above might not be available to policyholders in your area. If you would like to view companies offering auto insurance discounts, click this link.

How much is insurance?

Most companies such as State Farm, Allstate and Geico allow consumers to get prices directly from their websites. Getting online rates is very simple because you just enter into the form. After you submit the form the system requests information on your driving record and credit history and generates pricing information based on the information you submitted.

Online price quotes simplifies rate comparisons, but having to visit a lot of sites and fill out multiple forms is a big time waster. Unfortunately, it is important to have as many quotes as possible if you want to get the lowest insurance rates.

Online rates the easy way

The smarter way to locate the lowest prices uses one simple form that obtains quotes from a lot of companies. The form is fast, eliminates repetitive work, and makes quoting online much more efficient. Immediately after you send the form, it gets priced and you can choose your choice of the quote results. If the quotes result in lower rates, you can click and sign and buy the policy. The whole process can be completed in a matter of minutes and may result in a nice savings.

To save time and find out how much you’re overpaying now, click here to open in new window and submit the form. If you have your current policy handy, we recommend you duplicate your coverages just like they are on your policy. This guarantees you will have a price comparison for similar coverage.

Tailor your insurance coverage to you

When choosing the right insurance coverage, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help highlight if you might need an agent’s assistance.

• Should I get collision insurance on every vehicle?
• How can I find cheaper teen driver insurance?
• Do I need to file an SR-22 for a DUI in my state?
• What can I do if my company won’t pay a claim?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Which is better, split liability limits or combined limits?
• What is no-fault insurance?
• Does my insurance cover my expensive audio equipment?

If you can’t answer these questions but you think they might apply to your situation, 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.

Auto insurance buyers beware

Big name companies like State Farm, Allstate and Geico consistently run television and radio advertisements. All the ads convey the message that drivers can save some big amount after switching your coverage to them. It sounds good, but how can they all say the same thing? Just pay attention to how they say it.

Insurance providers have a certain “appetite” for the type of customer they prefer to insure. A good example of a profitable insured might be described as over the age of 40, has never had a claim, and has great credit. Any driver that hits that “sweet spot” will get low car insurance rates and will save when switching.

Drivers who don’t qualify for these criteria may be required to pay higher prices which translates to the customer not buying. Company advertisements say “people who switch” not “everyone that quotes” can get the lowest rates when switching. That’s why companies can truthfully make claims that they all have the best prices. This illustrates why you need to get price quotes at each policy renewal. It’s not possible to predict which auto insurance company will fit you best based on your risk profile.

Specific coverages for a Ford EcoSport

Learning about specific coverages of your policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Uninsured and underinsured coverage

This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Comprehensive coverages

This will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like falling objects, hitting a bird, damage from getting keyed, damage from flooding and hitting a deer. 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.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like EMT expenses, doctor visits and surgery. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Liability coverage

Liability insurance protects you from damage that occurs to people or other property by causing an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability insurance covers claims like repair costs for stationary objects, attorney fees, repair bills for other people’s vehicles and funeral expenses. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Collision coverage

Collision coverage covers damage to your EcoSport resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as rolling your car, sideswiping another vehicle and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

And the best car insurance company is…

Lower-priced 2018 Ford EcoSport insurance is available from both online companies and also from your neighborhood agents, so you need to shop insurance with both to have the best rate selection. Some insurance companies do not provide online rate quotes and these small, regional companies sell through independent agents.

We just covered quite a bit of information on how to save on 2018 Ford EcoSport insurance. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding the cheapest insurance. You may even find the best price on insurance is with a small mutual company.

As you go through the steps to switch your coverage, make sure you don’t reduce coverage to reduce premium. In many cases, an insured cut comprehensive coverage or liability limits only to find out that the small savings ended up costing them much more. The ultimate goal is to purchase a proper amount of coverage at the best cost, but do not sacrifice coverage to save money.

Additional insurance information is available at the links below

• Choosing a Car for Your Teen (State Farm)
• Auto Theft Statistics (Insurance Information Insitute)
• How do I File a Claim? (Insurance Information Insitute)
• Collision Coverage (Liberty Mutual)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)