How Much Does 2013 Ford Escape Insurance Cost?

Searching for the cheapest auto insurance rates for your Ford Escape? Are you sick and tired of scraping the payment together to buy car insurance? You are in the same boat as the majority of other car owners. Drivers have multiple insurance companies to choose from, and although it’s nice to have multiple companies, having more insurance companies makes it harder to find the best rates.

It’s a good habit to do rate comparisons once or twice a year because insurance rates change quite often. If you had the lowest price for Escape coverage last year other companies may now be cheaper. Forget all the misinformation about auto insurance because you’re about to find out the quickest way to find great coverage at a great price.

The purpose of this article is to help educate you on how to effectively get price quotes and some money-saving tips. If you currently have a car insurance policy, you will be able to cut costs considerably using these methods. Vehicle owners just need to learn the tricks to get comparison quotes online.

Which Car Insurance is Cheapest?

Finding lower car insurance rates can be relatively painless. Drivers just need to take a few minutes comparing rate quotes provided by online insurance companies. This can be done in a couple of different ways.

  1. The fastest way to get the best comparison quotes is a comparison rater form (click to open form in new window). This easy form saves time by eliminating separate forms for each company you want a rate for. In just a few minutes this one form will return quotes from all major companies.
  2. A slightly less efficient method to get comparison quotes requires visiting each company’s website and request a quote. For instance, we’ll pretend you want to compare USAA, Liberty Mutual and Allstate. To get rate quotes you would need to spend time on each company’s site to enter your coverage information, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.
  3. The hardest method to compare rates is to spend time driving to and from local insurance agencies. The internet can eliminate the need for a local agent unless you want the professional advice of a licensed agent. It is possible to compare the best prices online and get advice from an agent in your area and you’ll learn how to do that later.

It’s up to you which method you use, but ensure you are comparing exactly the same coverages and limits with every price quote. If the quotes have differing limits it’s not possible to truly determine the lowest rate.

Parts of the Ford Escape rate equation

Consumers need to have an understanding of the different types of things that help determine car insurance rates. Having a good understanding of what determines base rates enables informed choices that can help you get big savings.

The following are some of the factors car insurance companies consider when setting your rates.

  • Safe vehicles cost less to insure – Cars with high safety ratings tend to have better insurance rates. These vehicles result in less severe injuries and lower injury rates translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Ford Escape earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Car features impact rates – Driving a car that has an advanced theft prevention system can save you a little every year. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft.
  • Allowing your policy to lapse raises rates – Letting your insurance expire will be a quick way to trigger a rate increase. And not only will your rates increase, but being ticketed for driving with no insurance might get you a steep fine or even jail time.
  • Do you know you’re credit rating? – A driver’s credit score is a huge factor in determining what you pay for car insurance. So if your credit is lower than you’d like, you could save money insuring your 2013 Ford Escape by improving your rating. Consumers who have high credit ratings tend to be less risk to insure than drivers who have poor credit.
  • Lower rates come with age – Teenage drivers are statistically proven to get distracted easily when behind the wheel so car insurance rates are higher. Older insureds are more responsible, file fewer claims and get fewer tickets.
  • Discounts for multiple policies – Some car insurance companies provide better rates to policyholders who buy several policies from them such as combining an auto and homeowners policy. This can amount to ten or even up to twenty percent in some cases. Even if you’re getting this discount you may still want to shop around to verify if the discount is saving money. Drivers may still find better rates by insuring with multiple companies.
  • Claim-free discounts can add up – If you file claims often, you can expect either policy cancellation or increased premiums. Insurance companies award better rates to people who do not file claims often. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.

Pay less for 2013 Ford Escape insurance

Properly insuring your vehicles can get expensive, but there are discounts available to cut the cost considerably. Most are applied when you quote, but some must be inquired about before they will apply. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • Distant Student – Children who attend school more than 100 miles from home and don’t have a car may qualify for this discount.
  • Discount for New Cars – Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
  • Drivers Education – Cut your cost by having your teen driver complete a driver education course in school.
  • Sign Online – A handful of insurance companies give back up to $50 for buying a policy and signing up over the internet.
  • Accident Waiver – Certain companies permit an accident before your rates go up so long as you haven’t had any claims for a certain period of time.
  • Sign Early and Save – Select companies give a discount for switching policies prior to your current policy expiring. It can save you around 10%.
  • Safety Course Discount – Successfully completing a driver safety course could save 5% or more if your company offers it.
  • Save over 55 – Mature drivers may be able to get a small decrease in premiums for Escape coverage.
  • Multiple Policy Discount – When you combine your home and auto insurance with one insurance company you could get a discount of 10% to 20% off each policy.
  • Payment Method – If you pay your bill all at once instead of paying each month you can actually save on your bill.

Consumers should know that most credits do not apply the the whole policy. Most only apply to specific coverage prices like collision or personal injury protection. Even though it may seem like all the discounts add up to a free policy, it doesn’t quite work that way. But all discounts will bring down your premiums.

A partial list of companies that may have some of the above discounts include:

Before buying, ask each insurance company how you can save money. Discounts might not apply in every state.

Tailor your coverage to you

When choosing adequate coverage for your personal vehicles, there really is no perfect coverage plan. Every situation is different so this has to be addressed. For example, these questions can help discover whether or not you could use an agent’s help.

  • Can I rent a car in Mexico?
  • Is my 2013 Ford Escape covered for smoke damage?
  • Is my babysitter covered when using my vehicle?
  • When can I cancel my policy?
  • Do I need an umbrella policy?
  • Am I covered when pulling a rental trailer?
  • Does medical payments coverage apply to all occupants?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

Car insurance coverages and their meanings

Understanding the coverages of a car insurance policy helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are the normal coverages offered by car insurance companies.

Auto collision coverage

Collision insurance pays for damage to your Escape from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like scraping a guard rail, colliding with a tree and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Auto liability

Liability coverage protects you from damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as emergency aid, funeral expenses and bail bonds. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

Comprehensive protection

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a broken windshield, vandalism and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for expenses like prosthetic devices, surgery and rehabilitation expenses. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover you and your occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Uninsured or underinsured coverage

This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Ford Escape.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Saving money is sweet as honey

We just showed you many ways to compare 2013 Ford Escape insurance prices online. It’s most important to understand that the more companies you get rates for, the better your comparison will be. You may even find the best prices are with an unexpected company. Smaller companies may only write in your state and offer lower rates compared to the large companies like Allstate, Geico and Progressive.

As you restructure your insurance plan, you should never sacrifice coverage to reduce premiums. There have been many cases where an insured cut physical damage coverage only to discover later that they should have had better coverage. The aim is to purchase a proper amount of coverage at the best price while still protecting your assets.

Even more information can be found at these sites: