Cheap 2008 Ford Escape Insurance Quotes

Overpriced Ford Escape insurance can drain your bank account and force you to make sacrifices. Comparison shopping is a great way to cut your insurance bill.

Having so many choices of insurance companies, it can be challenging to find the best company.

It’s a great practice to compare prices every six months since rates are constantly changing. Even if you got the lowest rates for Escape insurance six months ago the chances are good that you can find a lower rate today. There is a lot of wrong information about insurance on the web, but with this article, you’re going to get a lot of great tips on how to find affordable insurance.

Discounts on Ford Escape insurance

The price of auto insurance can be rather high, but companies offer discounts that can drop the cost substantially. A few discounts will automatically apply when you complete an application, but some must be specially asked for before you get the savings.

  • Drive Safe and Save – Insureds without accidents may receive a discount up to 45% less for Escape insurance than drivers with accidents.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
  • Paperless Signup – Some insurance companies may give you up to $50 for buying a policy and signing up digitally online.
  • New Car Discount – Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.
  • Air Bag Discount – Cars that have air bags may earn rate discounts of more than 20%.
  • Discount for Good Grades – This discount can earn a discount of 20% or more. The discount lasts until age 25.

Drivers should understand that most credits do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like adding up those discounts means a free policy, you won’t be that lucky. But all discounts will help reduce your premiums.

Insurance companies who might offer these money-saving discounts include:

Check with all companies you are considering which discounts they offer. All car insurance discounts might not apply in your area.

Compare the Market for Car Insurance

There are a lot of ways to compare car insurance quotes, but some are more efficient than others. You can spend countless hours driving to local insurance agents in your area, or you can utilize the internet to achieve your goal.

All the larger companies belong to an insurance system that enables customers to send in one quote, and each company can give them a price based on the submitted data. This prevents consumers from doing quotation requests for each company.

To use this form to compare 2008 Ford Escape insurance rates click here to open in new window.

The only drawback to getting quotes like this is that consumers can’t choose which providers to get quotes from. So if you want to select individual companies for rate comparison, we put together a list of low cost car insurance companies in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but make absolute certain that you use identical coverage limits and deductibles on every quote. If you use different values for each quote you can’t possibly decipher which rate is best. Just a small difference in coverages may result in a large different in cost. Keep in mind that more quotes helps you find a lower rate.

Tailor your coverage to you

When it comes to buying the best car insurance coverage, there is no “best” method to buy coverage. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that may help you determine if you might need professional guidance.

  • Is my babysitter covered when using my vehicle?
  • What can I do if my company denied a claim?
  • Am I covered if I hit a deer?
  • Are there companies who specialize in insuring high-risk drivers?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Is my camper covered by my car insurance policy?
  • Are my friends covered when driving my car?
  • Do I need replacement cost coverage on my 2008 Ford Escape?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Car insurance policy specifics

Learning about specific coverages of your car insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. Listed below are the usual coverages available from car insurance companies.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as funeral costs, doctor visits and dental work. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive car insurance

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from getting keyed, theft and fire damage. The most your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Ford Escape.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability car insurance

This provides protection from injuries or damage you cause to a person or their property in an accident. It protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as repair costs for stationary objects, medical expenses, repair bills for other people’s vehicles, medical services and emergency aid. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like hitting a parking meter, damaging your car on a curb, scraping a guard rail, rolling your car and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

Have the Midas touch

Cheap 2008 Ford Escape insurance is available online as well as from independent agents, so you should compare both to have the best chance of lowering rates. Some insurance companies don’t offer online price quotes and many times these small insurance companies only sell through independent insurance agents.

We just covered many ideas to shop for insurance online. The key thing to remember is the more companies you get rates for, the better your comparison will be. You may be surprised to find that the most savings is with a smaller regional carrier. Some small companies may have significantly lower rates on certain market segments than the large multi-state companies such as Progressive and Geico.

Much more information about car insurance can be found at the links below