2011 Ford Escape Hybrid Insurance Rates in 2024 – 10 Ideas for Best Quotes

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 8, 2024

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Are you drained from trying to scrape together enough money to insure your Ford every month? You are no different than millions of other vehicle owners.

Companies like State Farm, Farmers Insurance, GEICO and Allstate continually bombard you with ads and it can be hard to ignore the flashy ads and effectively compare rates to find the best deal.

It is always a good idea to take a look at other company’s rates yearly because car insurance prices trend upward over time. Despite the fact that you may have had the best rate for Escape Hybrid coverage two years ago you may be paying too much now. Ignore everything you know about car insurance because we’re going to demonstrate the proper way to reduce your cost while improving coverage.

Finding insurance coverage

Shopping for lower insurance coverage rates can be a lot of work if you aren’t aware of the most efficient way. You can waste a few hours (or days) discussing policy coverages with agents in your area, or you could use online quotes for quick rates.

Many insurance companies belong to an insurance system that enables customers to submit their information once, and every company can provide price quotes based on the submitted data. This system prevents you from having to do quotation requests to each individual insurance coverage company.

To compare pricing enter your zip code here.

The single downside to using this type of form is you cannot specify the companies to get quotes from. So if you prefer to pick individual companies to receive pricing from, we have a page of insurance coverage companies in your area. Click to enter zip code.

It’s your choice how you get your quotes, but be sure to compare identical coverage data with every price quote. If you have different deductibles it’s not possible to determine the lowest rate for your Ford Escape Hybrid. Having just a slight variation in insurance coverages or limits may cause a big price difference. And when comparison shopping, comparing all the rates in your area will enable you to find a better price.

Take advantage of with these ten discounts

Some insurers don’t list all available discounts in a way that’s easy to find, so below is a list both well-publicized as well as some of the hidden credits that may apply to you.

  • Driver Education Discount – Have your child enroll and complete driver’s education in school.
  • Theft Deterrent Discount – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and therefore earn up to a 10% discount.
  • Military Discounts – Having a family member in the military may qualify for rate reductions.
  • Defensive Driver – Taking part in a defensive driver class could possibly earn you a 5% discount and also improve your driving technique.
  • Low Miles Discount – Low annual miles could be rewarded with lower insurance coverage rates on the low mileage vehicles.
  • New Car Discount – Buying a new car model can be considerably cheaper since new model year vehicles are generally safer.
  • College Student – Older children who are enrolled in higher education away from home without a vehicle on campus may qualify for this discount.
  • First Accident Forgiveness – This isn’t a discount exactly, but companies like Liberty Mutual and GEICO will turn a blind eye to one accident before raising your premiums if you are claim-free prior to being involved in the accident.
  • Save with More Vehicles Insured – Buying insurance for multiple cars with one company can reduce rates for all insured vehicles.
  • Payment Method – If you pay your bill all at once instead of making monthly payments you may have a lower total premium amount.

Just know that some of the credits will not apply to the entire cost. Most only reduce individual premiums such as liability and collision coverage. So when it seems like you could get a free insurance coverage policy, companies don’t profit that way.

Popular insurance coverage companies and some of the premium reductions they offer are:

  • Progressive includes discounts for multi-vehicle, good student, continuous coverage, homeowner, online signing, online quote discount, and multi-policy.
  • SAFECO may offer discounts for safe driver, homeowner, multi-car, accident prevention training, and teen safety rewards.
  • American Family offers discounts for multi-vehicle, early bird, good student, air bags, good driver, mySafetyValet, and accident-free.
  • MetLife has savings for good driver, good student, accident-free, defensive driver, claim-free, multi-policy
  • GEICO may have discounts that include membership and employees, military active duty, five-year accident-free, air bags, emergency military deployment, and defensive driver.
  • The Hartford discounts include driver training, anti-theft, vehicle fuel type, air bag, bundle, defensive driver, and good student.

Double check with all companies you are considering which discounts can lower your rates. Some of the discounts discussed earlier may not be offered in your area. If you would like to choose from a list of providers with significant discounts, enter your zip code here.

Your situation helps dictate your coverage

When choosing the best insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s situation is a little different so this has to be addressed. For example, these questions may help highlight if your situation could use an agent’s help.

  • Do I need PIP coverage since I have good health insurance?
  • Do I need an umbrella policy?
  • How can I force my company to pay a claim?
  • Do I need special endorsements for business use of my vehicle?
  • What is no-fault insurance?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Can I rent a car in Mexico?
  • Should I buy more coverage than the required minimum liability coverage?
  • Is business property covered if stolen from my car?
  • Is my cargo covered for damage or theft?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. To find an agent in your area, simply complete your zip code.

Parts of your car insurance policy

Knowing the specifics of your car insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Listed below are typical coverage types offered by car insurance companies.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for X-ray expenses, dental work, ambulance fees, hospital visits and funeral costs. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like fire damage, rock chips in glass, hitting a deer and hail damage. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision insurance

Collision insurance pays for damage to your Escape Hybrid resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as hitting a parking meter, colliding with a tree and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Auto liability

This coverage protects you from damages or injuries you inflict on other’s property or people in an accident. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability insurance covers things like loss of income, court costs and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your Ford Escape Hybrid.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

In the end, you save

In this article, we covered quite a bit of information on how to get a better price on 2011 Ford Escape Hybrid insurance. It’s most important to understand that the more rate quotes you have, the higher your chance of finding inexpensive insurance. Consumers could even find that the most savings is with a small mutual company. Some small companies can often insure niche markets at a lower cost than their larger competitors like Allstate, GEICO and Progressive.

When trying to cut insurance costs, it’s not a good idea to reduce coverage to reduce premium. There have been many situations where an accident victim reduced physical damage coverage to discover at claim time they didn’t purchase enough coverage. The proper strategy is to buy the best coverage you can find at the best cost, but don’t skip important coverages to save money.

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