2013 Ford Escape Car Insurance Rates – 6 Policy Discounts
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UPDATED: Aug 23, 2022
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Nobody I know likes paying for auto insurance, in particular when the cost is too high.
Drivers have multiple insurers to choose from, and though it is a good thing to have a selection, lots of choices makes it harder to compare rates and cut insurance costs.
Smart consumers take time to compare rates on a regular basis due to the fact that insurance rates trend upward over time. Just because you found the lowest rates for Escape coverage six months ago you can probably find a lower rate today. So just forget anything you know (or think you know) about auto insurance because we’re going to show you the proper way to properly buy coverages and cut your premium.
How to Compare Insurance Costs
There are a variety of methods to shop for 2013 Ford Escape insurance, but one way is more efficient than others. You could spend the better part of a day talking about coverages with local insurance agents in your area, or you could use online quoting to get prices fast.
Most of the larger companies enroll in a system where insurance shoppers submit their information once, and each participating company can provide price quotes determined by their information. This eliminates the need for quotation requests to every company.
To compare 2013 Ford Escape rates now click here to start a free quote.
The single downside to comparing rates this way is you cannot specify which insurance companies to get quotes from. So if you prefer to choose specific providers to request quotes from, we have a page of low cost insurance companies in your area. Click to view list.
It’s your choice how you get your quotes, but compare exactly the same quote information on every quote. If you enter mixed coverages it will be next to impossible to make a fair comparison for your Ford Escape. Having just a slight variation in limits may result in large price differences. It’s important to know that getting more free quotes will improve the odds of getting a lower rate.
Do you qualify for these six discounts?
Insurance can be prohibitively expensive, but discounts can save money and there are some available that you may not even be aware of. Some trigger automatically at the time of purchase, but a few must be requested specifically in order for you to get them.
- Good Student Discount – Getting good grades can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
- Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
- Low Mileage Discounts – Fewer annual miles on your Ford could qualify for discounted rates on garaged vehicles.
- Memberships – Affiliation with a civic or occupational organization is a good way to get lower rates on your policy for Escape coverage.
- Multiple Policy Discount – When you have multiple policies with the same company you could get a discount of at least 10% off all policies.
- Discount for Life Insurance – Some companies give a break if you buy life insurance from them.
A little note about advertised discounts, some of the credits will not apply to the entire cost. Some only apply to individual premiums such as medical payments or collision. So when the math indicates it’s possible to get free car insurance, you’re out of luck. Any amount of discount will help reduce your premiums.
A partial list of companies that possibly offer these money-saving discounts may include but are not limited to:
- State Farm
- American Family
- Liberty Mutual
It’s a good idea to ask each insurance company which discounts they offer. Discounts may not apply in your area.
Don’t assume everyone needs the same coverage
When it comes to choosing the best auto insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s situation is unique so your insurance should reflect that These are some specific questions may help you determine if you could use an agent’s help.
- Should I get collision insurance on every vehicle?
- Am I covered if I wreck a rental car?
- Am I covered when pulling a rental trailer?
- Do I need roadside assistance coverage?
- Where can I find DUI or SR-22 insurance?
- If my 2013 Ford Escape is totaled, can I afford another vehicle?
- Does coverage extend to Mexico or Canada?
- Is my business laptop covered if it gets stolen from my vehicle?
- Does my insurance cover my expensive audio equipment?
If you don’t know the answers to 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 this short form or click here for a list of auto insurance companies in your area.
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Car insurance coverages for a 2013 Ford Escape
Learning about specific coverages of your policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the usual coverages found on the average insurance policy.
Collision – This coverage will pay to fix damage to your Escape from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.
Collision coverage protects against claims like driving through your garage door, hitting a mailbox and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.
Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Ford Escape.
Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time the UM/UIM limits are similar to your liability insurance amounts.
Liability coverage – This coverage protects you from damage or injury you incur to other people or property by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.
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 values of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.
Liability coverage protects against claims like medical expenses, repair bills for other people’s vehicles, emergency aid, structural damage and medical services. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.
Comprehensive coverage – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things like vandalism, rock chips in glass, hitting a bird and a broken windshield. The most your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.
Medical payments coverage and PIP – Med pay and PIP coverage reimburse you for expenses such as X-ray expenses, rehabilitation expenses, surgery and prosthetic devices. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay
Smart consumers save more
Cheaper 2013 Ford Escape insurance can be purchased both online as well as from independent agents, and you should compare price quotes from both to get a complete price analysis. Some companies don’t offer online price quotes and most of the time these smaller companies sell through independent agents.
When you buy insurance online, you should never reduce coverage to reduce premium. In many instances, an insured dropped liability limits or collision coverage and found out when filing a claim that the savings was not a smart move. The proper strategy is to buy the best coverage you can find for the lowest price, not the least amount of coverage.
- Vehicle Size and Weight FAQ (iihs.org)
- Neck Injury FAQ (iihs.org)
- Crash Avoidance Technologies FAQ (iihs.org)
- Driving in Bad Weather (Insurance Information Insitute)
- Keeping Children Safe in Crashes Video (iihs.org)
- Credit Impacts Car Insurance Rates (State Farm)
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