Cheapest 2003 Ford Escape Insurance Rates in 2023
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UPDATED: Jun 5, 2023
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Want cheaper car insurance rates for your Ford Escape? Consumers who are new to the process of comparing rates online might discover shopping for cut-rate car insurance quite challenging.
The purpose of this post is to instruct you on how to effectively get price quotes and some tips to save money. If you currently have car insurance, you will be able to cut costs considerably using these techniques. Although consumers can benefit by having an understanding of how the larger insurance companies price online insurance.
Discounts on 2003 Ford Escape insurance
Insurance can cost an arm and a leg, but discounts can save money and there are some available to help offset the cost. Certain discounts will be applied at quote time, but some must be specially asked for prior to receiving the credit.
- Multiple Vehicles – Buying coverage for multiple vehicles on the same car insurance policy qualifies for this discount.
- Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
- Anti-lock Brake Discount – Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
- Anti-theft System – Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
- Distant Student – Any of your kids who are attending college and do not have a car can receive lower rates.
- E-sign – A few companies give back up to $50 for buying a policy and signing up over the internet.
- Federal Government Employee – Simply working for the federal government can earn a discount up to 10% on Escape insurance with select insurance companies.
As a disclaimer on discounts, most of the big mark downs will not be given the whole policy. Most cut individual premiums such as liability and collision coverage. Just because it seems like it’s possible to get free car insurance, it doesn’t quite work that way. But any discount will reduce your premiums.
For a list of insurers with the best car insurance discounts, click this link.
Misconceptions in insurance advertisements
Insurance companies such as Progressive, Allstate and GEICO continually stream television and radio advertisements. They all seem to say the same thing that you’ll save big after switching your policy. How does each company say the same thing?
All the different companies have a preferred profile for the type of driver that earns them a profit. An example of a preferred risk could possibly be between the ages of 30 and 50, has no prior claims, and has a high credit rating. Any new insured who meets those qualifications will qualify for the lowest rates and as a result will probably pay quite a bit less when switching companies.
Consumers who fall outside this ideal profile will be charged a more expensive rate which usually ends up with the driver buying from a lower-cost company. The ads state “people who switch” not “everybody who quotes” save that much. That is how companies can state the savings.
That is why it is so important to get quotes from several different companies. It is impossible to predict which insurance companies will fit your personal profile best.
Tailor your coverage to you
When it comes to buying the best insurance coverage coverage for your personal vehicles, there really is no “best” method to buy coverage. Every situation is different.
For example, these questions could help you determine whether or not you will benefit from professional help.
- Do I pay less if my vehicle is kept in my garage?
- Will my vehicle be repaired with OEM or aftermarket parts?
- Is my trailer covered?
- Should I buy full coverage?
- What if I total my 2003 Ford Escape and owe more than it’s worth?
- Why am I be forced to buy a membership to get insurance from some companies?
If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form.
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Car insurance coverages for a Ford Escape
Having a good grasp of insurance helps when choosing appropriate coverage and proper limits and deductibles. Insurance terms can be confusing and nobody wants to actually read their policy.
Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things like a broken windshield, vandalism, damage from a tornado or hurricane and falling objects. The most your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Coverage for collisions
This coverage covers damage to your Escape caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers things like rolling your car, colliding with another moving vehicle, sideswiping another vehicle, damaging your car on a curb and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.
Liability auto insurance
Liability coverage protects you from damage or injury you incur to other people or property that is your fault. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability insurance covers claims like medical expenses, repair bills for other people’s vehicles and structural damage. How much liability should you purchase? That is up to you, but buy as large an amount as possible.
Uninsured/Underinsured Motorist coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.
Medical payments coverage and PIP
Medical payments and Personal Injury Protection insurance pay for expenses such as hospital visits, prosthetic devices, doctor visits, dental work and surgery. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible
Don’t be a big spender
As you prepare to switch companies, don’t be tempted to buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced liability coverage limits only to regret at claim time that they should have had better coverage. Your strategy should be to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.
Low-cost 2003 Ford Escape insurance is attainable on the web as well as from independent agents, and you should compare price quotes from both so you have a total pricing picture. A few companies don’t offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.
Insureds leave their current company for a variety of reasons including extreme rates for teen drivers, high rates after DUI convictions, delays in paying claims or poor customer service. Whatever your reason, finding a new car insurance company is less work than it seems.
For more information, feel free to browse the following helpful articles:
- State Laws for Cellphones and Texting (iihs.org)
- Your Car has been Stolen: Now What? (Allstate)
- Car Insurance: When not to Skimp (BankRate.com)
- What is Gap Insurance? (Insurance Information Insitute)
- Vehicle Safety Ratings (iihs.org)
- Learn About Car Insurance (GEICO)
Frequently Asked Questions
What factors affect the insurance rates for a 2003 Ford Escape?
Several factors play a role in determining insurance rates for a 2003 Ford Crown Victoria. These factors include driving history, location, age, coverage options, and the choice of insurance provider. Each of these elements contributes to the overall calculation of insurance premiums for the vehicle.
Can I get a discount on insurance for a 2003 Ford Escape?
Yes, insurance providers often offer various discounts that may apply to a 2003 Ford Crown Victoria, such as safe driver discounts or multi-policy discounts. These discounts are designed to reward responsible driving behavior and encourage customers to consolidate their insurance needs with a single provider. Safe driver discounts are typically awarded to individuals who have a clean driving record with no accidents or traffic violations, while multi-policy discounts are offered when customers bundle multiple insurance policies, such as auto and homeowners insurance, with the same provider.
Can I lower the insurance rates for a 2003 Ford Escape?
Yes, several strategies can be employed to potentially lower the insurance rates for a 2003 Ford Crown Victoria. Maintaining a clean driving record, which entails avoiding accidents, traffic violations, and insurance claims, can demonstrate responsible driving behavior to insurance providers and potentially result in lower rates.
Are there any specific safety features that can reduce the insurance rates for a 2003 Ford Escape?
The presence of safety features such as anti-lock brakes, airbags, and theft deterrent systems in a 2003 Ford Crown Victoria may contribute to lower insurance rates due to the reduced risk of accidents and theft associated with these safety measures. Insurance companies often consider vehicles equipped with such safety features as less likely to be involved in severe accidents or stolen, leading to potential savings on insurance premiums for the owner of a 2003 Ford Crown Victoria that includes these safety enhancements.
Does the location affect the insurance rates for a 2003 Ford Escape?
Yes, insurance rates for a 2003 Ford Crown Victoria can vary based on the location where the vehicle is primarily driven and parked. This is because insurance companies take into account various factors related to the location, such as crime rates and accident statistics in that area. Areas with higher crime rates or a history of frequent accidents may be considered higher risk, which could result in higher insurance premiums for the vehicle.
Are insurance rates for a 2003 Ford Escape generally lower than newer models?
Generally, insurance rates for older vehicles, such as a 2003 Ford Crown Victoria, tend to be lower compared to rates for newer models, primarily because the value of the vehicle has depreciated over time, resulting in lower replacement costs for the insurer in case of damage or total loss.
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