Ford Ford Escape Insurance Rates
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UPDATED: Jan 17, 2020
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Want lower insurance coverage rates for your Ford Escape? Have you fallen victim to high-priced insurance coverage? Trust us when we tell you you are not the only one feeling buyer’s remorse. Big-name insurance companies like State Farm, Allstate, GEICO and Progressive increase brand awareness with TV and radio ads and it is difficult to ignore the promise of big savings and take the time to shop coverage around.
It’s a great practice to price shop coverage at least once a year since rates are usually higher with each renewal. Just because you found the best rates for Escape insurance on your last policy other companies may now be cheaper. So block out anything you think you know about insurance coverage because we’re going to show you the quickest way to properly buy coverages and cut your premium.
Which Insurance is Cheapest?
Effectively comparing insurance prices is a ton of work if you don’t understand the easiest way. You can waste a few hours (or days) driving to insurance agencies in your area, or you can stay home and use online quotes to get the quickest rates.
Most car insurance companies belong to a marketplace where insurance shoppers send in one quote, and each company then gives them pricing for coverage. This eliminates the need for quote requests to each individual insurance company.
To find out what other companies charge for 2008 Ford Escape insurance click here to start a free quote.
The only drawback to pricing coverage this way is buyers cannot specifically choose which companies you want to price. If you prefer to choose specific providers for rate comparison, we put together a list of the cheapest insurance companies in your area. Click here for list of insurance companies.
It’s up to you which method you use, but ensure you are comparing identical quote information for every quote you compare. If the quotes have different values for each quote it will be very difficult to decipher which rate is best.
Discounts on 2008 Ford Escape insurance
Auto insurance companies don’t list all available discounts very clearly, so we took the time to find some of the more common and also the lesser-known ways to save on auto insurance. If you’re not getting every credit you deserve, you’re paying more than you need to.
- Anti-theft System – Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
- Paperless Signup – Certain companies will give a small break for buying a policy and signing up online.
- Discount for Swiching Early – Select companies give a discount for signing up before your current policy expires. The savings is around 10%.
- Drivers Education – Require your teen driver to enroll in driver’s education if it’s offered in school.
- Homeowners Savings – Owning a home may trigger a auto insurance policy discount due to the fact that maintaining a home shows financial diligence.
- No Accidents – Drivers who don’t have accidents pay much less as compared to drivers who are more careless.
- Low Mileage Discounts – Driving fewer miles can earn discounted rates on garaged vehicles.
- Multi-policy Discount – If you have multiple policies with the same insurance company you may earn at least 10% off all policies.
- Payment Method – If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.
- Military Rewards – Being deployed with a military unit could mean lower rates.
Keep in mind that many deductions do not apply to the overall cost of the policy. Most only apply to individual premiums such as liability and collision coverage. Just because you may think you can get free auto insurance, you won’t be that lucky.
For a list of providers offering auto insurance discounts, follow this link.
Tailor your coverage to you
When buying adequate coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s needs are different so your insurance needs to address that. These are some specific questions can help discover whether your personal situation would benefit from professional advice.
- What is an SR-22 filing?
- If my pet gets injured in an accident are they covered?
- Is extra glass coverage worth it?
- How much underlying liability do I need for an umbrella policy?
- How can I force my company to pay a claim?
- Are split liability limits better than a combined single limit?
- Will my insurance pay for OEM parts?
If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It is quick, free and you can get the answers you need.
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Auto insurance coverages explained
Knowing the specifics of your auto insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring. These are typical coverages found on most auto insurance policies.
Auto collision coverage
Collision coverage covers damage to your Escape resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for things such as colliding with a tree, crashing into a ditch, crashing into a building and scraping a guard rail. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.
Comprehensive auto coverage
This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things such as hail damage, vandalism, hitting a bird and a tree branch falling on your vehicle. The most your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s 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. For this reason, having high UM/UIM coverages is important protection for you and your family.
Medical payments and PIP coverage
Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like hospital visits, nursing services and pain medications. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage
Coverage for liability
This provides protection from damage that occurs to people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability 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 total limit of $50,000 for damage to vehicles and property.
Liability coverage protects against things like structural damage, funeral expenses and medical expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.
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