2004 Ford Escape Insurance Quotes – 5 Policy Discounts

Trying to find the cheapest auto insurance rates for your Ford Escape? Price shopping your auto insurance is always difficult for people who are new to buying insurance online. People have so many choices that it can be a real hassle to compare prices.

It is always a good idea to do rate comparisons at least once a year because rates are constantly changing. Even if you think you had the best rates for Escape insurance two years ago there is a good chance you can find better rates now. There is a lot of bad advice regarding auto insurance online, so by reading this article, you’re going to learn some proven techniques to quit paying high auto insurance rates.

Buying the best protection is easy if you know what you’re doing. In a nutshell, anyone who has to buy car insurance stands a good chance to be able to reduce their rates. Although car owners need to have an understanding of how big insurance companies sell online.

Don’t pay full price with these five discounts

Properly insuring your vehicles can get expensive, but companies offer discounts that can drop the cost substantially. Certain discounts will be applied when you quote, but some must be specifically requested prior to receiving the credit.

  • Paperwork-free – A few companies give back up to $50 just for signing your application online.
  • Resident Student – Any of your kids living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Save over 55 – If you qualify as a senior citizen, you can possibly qualify for a discount up to 10% for Escape insurance.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Most cut individual premiums such as liability and collision coverage. So even though it sounds like it’s possible to get free car insurance, companies wouldn’t make money that way. Any amount of discount will reduce the cost of coverage.

Car insurance companies that may have these discounts include:

Check with each insurance company which discounts they offer. Savings might not apply everywhere.

Finding Insurance Coverage Deals

When shopping for insurance coverage there are multiple ways of comparing rate quotes from local insurance coverage companies. The best method to find the cheapest 2004 Ford Escape insurance rates involves getting comparison quotes online. It is quite easy and can be accomplished in several different ways.

  1. The single most time-saving way to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This method saves time by eliminating repetitive form submissions for each company. Taking the time to complete one form gets you price quotes from several companies. It’s the fastest way to compare.
  2. A more time consuming way to find lower rates requires a visit to the website for every company you want to comare to complete their respective quote request forms. For sake of this example, let’s assume you want comparison quotes from State Farm, Safeco and Geico. To get rate quotes you would need to go to every website to input your insurance information, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.

It’s up to you how you get prices quotes, just compare identical deductibles and coverage limits on every quote you get. If you compare different liability limits you will not be able to find the best deal for your Ford Escape. Quoting even small variations in insurance coverages may cause a big price difference. And when quoting insurance coverage, remember that comparing a large number of companies provides better odds of finding the best price.

Your personal situation dictates your coverage

When buying the best insurance coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s.

For instance, these questions might help in determining if your insurance needs would benefit from professional advice.

  • Is my teenager covered with friends in the car?
  • Is my custom paint covered by insurance?
  • What can I do if my company won’t pay a claim?
  • Should I buy full coverage?
  • What is PIP insurance?
  • How high should my medical payments coverage be?
  • Is my babysitter covered when using my vehicle?
  • Am I covered if hit by an uninsured driver?
  • When do I need to add a new car to my policy?
  • Do I pay less if my vehicle is kept in my garage?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Insurance policy coverages for a Ford Escape

Knowing the specifics of a insurance policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Comprehensive auto coverage – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as falling objects, rock chips in glass, damage from getting keyed and theft. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability car insurance – This coverage provides protection from damage that occurs to a person or their property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like repair costs for stationary objects, medical services, court costs, legal defense fees and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Collision – Collision insurance covers damage to your Escape caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as rolling your car, crashing into a ditch and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Ford Escape.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Frequently these limits do not exceed the liability coverage limits.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for bills like chiropractic care, nursing services and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle 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

Saving money makes a lot of cents

When buying insurance coverage, it’s very important that you do not reduce coverage to reduce premium. In many cases, drivers have reduced collision coverage to discover at claim time that the small savings ended up costing them much more. Your strategy should be to find the BEST coverage at the best price while still protecting your assets.

Cheaper 2004 Ford Escape insurance can be bought both online and with local insurance agents, so compare prices from both to have the best selection. A few companies do not offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

We covered some good ideas how you can get a better price on insurance. The key thing to remember is the more companies you get rates for, the higher the chance of saving money. You may be surprised to find that the lowest premiums are with a lesser-known regional company.

Much more information about insurance can be read below: