Beginners Guide for Finding the Best Ford Escape Insurance

I can’t think of a single person who likes having to buy car insurance, particularly when their premiums are through the roof.

Companies like GEICO, Farmers Insurance and State Farm all promote huge savings with TV and radio ads and it is challenging if not impossible to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

You should take the time to compare prices every six months because rates are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest price for Escape insurance six months ago you will most likely find a better rate today. So just forget all the misinformation about car insurance because you’re going to learn how to use online quotes to find better rates and still maintain coverage.

Quick Car Insurance Quotes

Most major insurance companies such as State Farm and Allstate quote price estimates directly from their websites. Getting quotes is quite easy as you simply type in your required coverages as detailed in the form. Upon sending the form, their system will obtain your driving and credit reports and returns a price quote based on these factors. Being able to quote online makes it a lot easier to compare rates but the work required to visit several different sites and complete many quote forms can be a bit repetitive. But it’s absolutely necessary to have as many quotes as possible in order to get the best price possible.

The smarter way to find lower prices makes use of a single form to return rates from more than one company. It’s a real time-saver, eliminates form submissions, and makes online price comparison much more enjoyable and efficient. After your information is entered, your coverage is rated and you can choose any of the quotes that you receive.

If you find a better price it’s easy to complete the application and buy the new coverage. This process takes just a few minutes to complete and you will find out if you’re overpaying now.

To save time and find out if lower rates are available, click here and submit the form. If you have a policy now, it’s recommended you complete the form with the coverage information as close as possible to your current policy. This way, you will get comparison quotes based on the exact same insurance coverage.

Save money by taking advantage of these discounts

Car insurance is not cheap, buy you may qualify for discounts to help bring down the price. Certain discounts will be applied when you purchase, but less common discounts must be requested specifically prior to getting the savings.

• Multi-car Discount – Buying coverage for more than one vehicle on one policy can get a discount on all vehicles.
• Life Insurance Discount – Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
• Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
• 55 and Retired – Older drivers may qualify for reduced rates for Escape insurance.
• No Accidents – Drivers with accident-free driving histories can earn big discounts compared to frequent claim filers.
• Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
• Drivers Education – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.
• Early Switch Discount – Some insurance companies reward drivers for buying a policy prior to your current policy expiration. It’s a savings of about 10%.
• Drive Less and Save – Low mileage vehicles can qualify you for a substantially lower rate.

It’s important to understand that some credits don’t apply the the whole policy. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, companies don’t profit that way. Any amount of discount will cut your premiums.

For a list of providers with the best car insurance discounts, click here.

Factors that might impact rates for a Ford Escape

It’s important that you understand the factors that play a part in calculating the price you pay for car insurance. Having a good understanding of what determines base rates empowers consumers to make smart changes that will entitle you to lower car insurance prices.

Shown below are a few of the “ingredients” used by your company to calculate prices.

• Older drivers pay less – Youthful drivers are statistically proven to get distracted easily behind the wheel so they pay higher car insurance rates. Adding a young driver to your policy can break the bank. Older drivers are more responsible, tend to file fewer claims and receive fewer citations.
• Traffic citations inflate rates – Even a single speeding ticket may increase your cost by as much as thirty percent. Drivers with clean records receive lower rates than people who have multiple driving citations. Drivers who get severe violations such as hit and run, DWI or reckless driving convictions may be required to submit a SR-22 form with their state DMV in order to drive a vehicle legally.
• Your job and insurance rates – Did you know your occupation can influence how much you pay for car insurance? Jobs such as judges, social workers and stock brokers are shown to have the highest rates due to stressful work requirements and long work hours. On the other hand, occupations like farmers, students and homemakers pay the least for Escape insurance.
• Marriage brings a discount – Having a spouse actually saves money when buying car insurance. It translates into being more mature and it’s proven that married drivers get in fewer accidents.

Can you really save that much by switching?

Car insurance providers like State Farm and Allstate continually stream ads in print and on television. They all say the same thing of big savings after switching your policy. How does each company make the same claim? It’s all in the numbers.

Insurance companies have a certain “appetite” for the driver they prefer to insure. A good example of a driver they prefer might be between 30 and 50, insures multiple vehicles, and chooses high deductibles. Any driver who matches those parameters will qualify for the lowest rates and as a result will probably save quite a bit of money when switching.

Drivers who are not a match for the requirements will be quoted a more expensive rate and this can result in the driver buying from a lower-cost company. The ads state “customers who switch” but not “drivers who get quotes” save that much money. That’s the way insurance companies can confidently claim big savings.

This emphasizes why you need to quote coverage with many companies. You cannot predict which car insurance company will have the lowest rates.

A little work can save a LOT of money

When buying insurance coverage, it’s not a good idea to sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced liability coverage limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your strategy should be to buy a smart amount of coverage at the best price.

In this article, we presented many tips how you can get a better price on Ford Escape insurance. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. You may even discover the best prices are with the least-expected company. These companies can often provide lower rates in certain areas than their larger competitors like GEICO and State Farm.