Cheaper 2008 Ford Escape Hybrid Car Insurance Quotes

Are you sick and tired of not being able to afford each month for car insurance? You’re in the same situation as most other car owners. Big companies like State Farm, Allstate, Geico and Progressive continually bombard you with advertising and it is challenging if not impossible to ignore the propoganda and effectively compare rates to find the best deal.

Consumers should take time to take a look at other company’s rates on a regular basis because prices tend to go up over time. Just because you found the lowest price for Escape Hybrid coverage last year you may be paying too much now. Ignore everything you know about auto insurance because we’re going to demonstrate the tricks you need to know to find better coverage at a better price.

If you have a policy now or need a new policy, you will benefit by learning to get lower rates and possibly find even better coverage. Finding the best rates is not that difficult. Drivers only need to know the most efficient way to shop for auto insurance online.

Are you getting all your discounts?

Companies don’t always list every available discount in a way that’s easy to find, so we took the time to find some of the more common and the more hidden discounts you could be receiving. If you aren’t receiving every discount available, you’re just leaving money on the table.

  • New Car Discount – Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
  • Early Switch Discount – A few companies offer discounts for signing up prior to your current policy expiring. It’s a savings of about 10%.
  • Federal Employees – Active or retired federal employment can earn a discount up to 10% for Escape Hybrid coverage with select insurance companies.
  • Save over 55 – Mature drivers may receive a small decrease in premiums for Escape Hybrid coverage.
  • Pay Now and Pay Less – By paying your policy upfront instead of paying each month you may reduce your total bill.
  • Homeowners Pay Less – Simply owning a home may trigger a insurance policy discount because owning a home shows financial diligence.
  • Military Discounts – Being deployed with a military unit can result in better rates.
  • Student Driver Training – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.

It’s important to understand that many deductions do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like comp or med pay. Just because it seems like adding up those discounts means a free policy, you’re out of luck.

For a list of insurance companies with the best insurance discounts, follow this link.

Comparison of Insurance

Most major insurance companies give pricing online. Getting quotes doesn’t take a lot of time as you simply enter your required coverages as detailed in the form. Once entered, their system collects your credit score and driving record and returns a price quote. This simplifies rate comparisons, but the time required to go to each company’s website and repetitively complete many quote forms is monotonous and tiresome. But it’s absolutely necessary to have as many quotes as possible if you want to find the best price on insurance.

A quicker way to find better insurance pricing uses one form that gets price quotes from a bunch of companies at once. This type of form saves time, requires much less work on your part, and makes quoting online a lot less work. As soon as the form is sent, it is quoted and you can select any or none of the returned quotes. If a lower price is quoted, it’s easy to complete the application and purchase the new policy. The whole process can be completed in a matter of minutes and can result in significant savings.

If you want to fill out one form to compare multiple rates now, simply click here to open in new window and enter your information. To compare your current rates, we recommend you copy deductibles and limits just like they are on your policy. This guarantees you will get a rate comparison for exact coverage.

When might I need an agent?

When it comes to choosing the best insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Each situation is unique so your insurance should reflect that For example, these questions might help in determining if you would benefit from professional advice.

  • Is my camper covered by my car insurance policy?
  • Can I afford low physical damage deductibles?
  • Does my medical payments coverage pay my health insurance deductible?
  • Is my teenager covered with friends in the car?
  • Should I file a claim if it’s only slightly more than my deductible?
  • I have a DUI can I still get coverage?

If you’re not sure about those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area. It only takes a few minutes and can help protect your family.

Insurance specifics

Having a good grasp of a insurance policy aids in choosing the right coverages and proper limits and deductibles. Insurance terms can be confusing and reading a policy is terribly boring. Below you’ll find typical coverage types offered by insurance companies.

Collision – This coverage will pay to fix damage to your Escape Hybrid from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like rolling your car, crashing into a building and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Liability – Liability coverage provides protection from injuries or damage you cause to other’s property or people in an accident. It protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims such as structural damage, bail bonds, pain and suffering and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Comprehensive (Other than Collision) – Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as damage from a tornado or hurricane, fire damage and damage from flooding. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical expense insurance – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like funeral costs, nursing services, prosthetic devices and EMT expenses. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Get your money’s worth

As you restructure your insurance plan, make sure you don’t buy less coverage just to save a little money. There are too many instances where someone dropped comprehensive coverage or liability limits and learned later that the few dollars in savings costed them thousands. The proper strategy is to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

We covered quite a bit of information on how to lower your 2008 Ford Escape Hybrid insurance rates. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may discover the biggest savings come from the least-expected company. Regional companies can often insure niche markets at a lower cost compared to the large companies like State Farm and Allstate.

More tips and info about insurance is available by following these links: