2012 Ford Escape Hybrid Insurance Quotes in 2024 – 9 Tricks for Best Rates

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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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There isn’t anyone who is fond of buying auto insurance, especially when they are aware that they could find lower prices if they just compared rates.

Drivers have multiple auto insurance companies to choose from, and even though it’s nice to have a selection, it can be more difficult to find the lowest rates.

You should take the time to get comparison quotes before your next renewal because insurance prices are variable and change quite frequently. Just because you found the lowest rates for Escape Hybrid insurance six months ago there is a good chance you can find better rate quotes now. There are a lot of ways to save on auto insurance on the web, but I’m going to show you some of the best ways to slash your auto insurance rates.

How to buy auto insurance online

To find low cost quotes, there are a couple of ways to compare quotes from auto insurance companies in your area. The easiest way by far to find competitive Ford Escape Hybrid insurance rates is to get quotes online. This is very easy and can be done in a couple minutes as outlined below.

The easiest and least time consuming way to find the lowest comparison rates is an all-inclusive rate comparison. This method keeps you from doing separate quote forms for every auto insurance company. Taking the time to complete one form compares rates from many national carriers.

Another way to compare prices is to manually visit the website for every company you want to compare and request a quote. For instance, we’ll pretend you need rates from Farmers, State Farm and Progressive. To get each rate you have to spend time on each company’s site and type in your information over and over, which can take a lot of time.

The method you choose is up to you, but be sure to compare equivalent deductibles and coverage limits for each price quote. If you use differing limits it will be very difficult to determine the best price for your Ford Escape Hybrid. Even a minor difference in limits may result in a large different in cost. Just remember that comparing more rates from different companies will enable you to find lower pricing. Not every company does price estimates online, so it’s important to also get price quotes from them as well.

Well known brands might not be cheapest

Big name companies like State Farm and Allstate endlessly run television, radio, and online ads. All the ads advertise claims about savings if you change to their company. How is it possible that every company can say the same thing? It’s all in the wording.

Many companies require specific criteria for a prospective insured they prefer to insure. An example of a preferred risk may need to be between 30 and 50, has no claims, and chooses high deductibles. A customer who matches that profile will qualify for the lowest car insurance rates and will most likely save money with a new company.

Potential customers who do not match these criteria will get more expensive rates which leads to business going elsewhere. If you pay attention, the ads say “people who switch” not “all people who quote” save that much money. That is how companies can make claims like that. This emphasizes why you should get auto insurance quotes from several different companies. Because you never know which company will have the best car insurance rates for your profile.

Use discounts to get cheaper car insurance quotes

Companies do not advertise all possible discounts very clearly, so the list below details some of the best known and also the more inconspicuous credits available to lower your premiums when you buy auto insurance online. If you do not check that you are getting every discount possible, you are throwing money away.

  • Service Members Pay Less – Having an actively deployed family member could qualify you for better prices.
  • Drivers Education – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education if it’s offered in school.
  • Own a Home and Save – Being a homeowner can help you save on car insurance because owning a home demonstrates responsibility.
  • Driver Safety – Completing a course that instructs on driving safety may get you a small discount and make you a better driver.
  • Discount for Multiple Policies – If you have multiple policies with the same company you may earn 10% to 20% off each policy.
  • Distant College Student Discount – who live away from home to go to college and won’t have access to an insured vehicle can receive lower rates.
  • New Vehicle Savings – Buying a new car instead of a used car can save you some money due to better safety requirements for new model year vehicles.
  • Waiver for an Accident – Not a discount per se, but some insurance companies will turn a blind eye to one accident before your rates go up with the catch being you have to be claim-free before the accident.
  • Pay Early and Save – By making one initial payment rather than spreading payments over time you may reduce your total bill.

Please keep in mind that most of the big mark downs will not be given to your bottom line cost. Most cut specific coverage prices like medical payments or collision. So when it seems like you would end up receiving a 100% discount, that’s just not realistic. But all discounts should definitely cut your premiums.

Companies and some of the premium reductions they offer can be read below.

  • GEICO policyholders can earn discounts including membership and employees, daytime running lights, defensive driver, driver training, air bags, and multi-vehicle.
  • Mercury Insurance offers discounts for annual mileage, multi-car, accident-free, age of vehicle, professional/association, good driver, and type of vehicle.
  • Farmers Insurance offers discounts including switch companies, business and professional, alternative fuel, distant student, teen driver, homeowner, and multi-car.
  • Auto-Owners Insurance may offer discounts for safe driver, student away at school, anti-lock brakes, anti-theft, and multi-policy.
  • Liberty Mutual may have discounts that include new move discount, preferred payment discount, good student, multi-car, and new vehicle discount.
  • SAFECO includes discounts for accident prevention training, teen safety rewards, multi-car, bundle discounts, and anti-theft.
  • Progressive offers premium reductions for multi-policy, continuous coverage, online signing, multi-vehicle, online quote discount, and homeowner.
  • USAA has savings for loyalty savings, vehicle storage, multi-policy, family discount, new vehicle, defensive driver, and military installation.

Check with all companies you are considering to apply every possible discount. Some discounts may not apply in your area. If you would like to choose from a list of insurers who offer online car insurance quotes, enter your zip code here.

Tailor your auto insurance coverage to you

When choosing the right insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s needs are different and your policy should reflect that. These are some specific questions might help in determining if your situation would benefit from an agent’s advice.

  • Is business equipment covered while in my vehicle?
  • What are the best liability limits?
  • Does insurance cover damages from a DUI accident?
  • Are all vehicle passengers covered by medical payments coverage?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Is my custom paint covered by insurance?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and enter your zip code.

Auto insurance 101

Understanding the coverages of a insurance policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. These are typical coverage types offered by insurance companies.

Auto collision coverage

This will pay to fix damage to your Escape Hybrid caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like hitting a parking meter, rolling your car, crashing into a ditch, hitting a mailbox and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

Coverage for medical expenses

Med pay and PIP coverage kick in for expenses for things like doctor visits, surgery and prosthetic devices. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover you and your occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive insurance

This pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as hail damage, damage from a tornado or hurricane, falling objects and a tree branch falling on your vehicle. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Auto liability insurance

Liability insurance will cover injuries or damage you cause to other people or property. This coverage protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged property.

Liability coverage protects against claims such as pain and suffering, legal defense fees, structural damage, loss of income and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Power to the consumer

When searching for low cost auto insurance quotes, it’s very important that you do not reduce coverage to reduce premium. There are many occasions where someone dropped comprehensive coverage or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy a smart amount of coverage at the best cost while not skimping on critical coverages.

Some companies may not have rate quotes online and usually these small, regional companies prefer to sell through local independent agents. Discount 2012 Ford Escape Hybrid insurance can be found on the web and with local insurance agents, so you should compare both in order to have the best chance of saving money.

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