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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Aug 23, 2022

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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Comparison shopping for insurance coverage can be difficult for consumers not familiar with comparing rates online. People have so many choices that it can be a real challenge to find the best price.

Shopping for the best insurance coverage is simple if you know the tricks. In a nutshell, every driver who shops for insurance will be able to reduce their rates. Nevertheless, consumers benefit from understanding the methods companies use to determine prices and apply this information to your search.

The quickest way to get rate comparisons is to know the trick most of the larger companies have advanced systems to give free rates quotes. To begin a comparison, all you need to do is take a few minutes to give details like your job, driver ages, the year, make and model of vehicles, and how much you drive. Your insurance information is instantly sent to all major companies and you will receive price estimates instantly.

Buyer beware of insurance coverage advertising tricks

Allstate and Progressive consistently run ads in print and on television. All the companies say the same thing that you can save if you change your policy. How do they all say the same thing? It’s all in the numbers.

Insurance companies have a preferred profile for the right customer they prefer to insure. For example, a profitable customer might be between the ages of 40 and 55, insures multiple vehicles, and drives less than 7,500 miles a year. A customer getting a price quote who fits that profile gets the lowest rates and most likely will save quite a bit of money when switching.

Potential customers who don’t meet the “perfect” profile will be charged a more expensive rate and this can result in the driver buying from a lower-cost company. The ads state “customers who switch” not “everybody who quotes” save that much money. This is how insurance companies can confidently make those claims.

That is why it is so important to compare as many rates as you can. Because you never know which insurance coverage company will have the lowest Ford Escape insurance rates.

Cut your auto insurance rates with discounts

Insuring your vehicles can cost a lot, buy you may qualify for discounts that you may not know about. Most are applied at the time of purchase, but a few need to be asked for before you get the savings.

  • Homeowners Pay Less – Owning a home can save you money due to the fact that maintaining a home is proof that your finances are in order.
  • Drivers Ed for Students – Require your teen driver to take driver’s ed class if offered at their school.
  • Low Mileage – Driving fewer miles could qualify for a substantially lower rate.
  • Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts can receive discounts of up to 25% or more.
  • Discounts for Safe Drivers – Drivers who avoid accidents can pay as much as 50% less for Escape coverage than drivers with accidents.
  • Paperless Signup – A few companies will discount your bill up to fifty bucks just for signing your application on their website.
  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy can get a discount on all vehicles.
  • Military Discounts – Being on active duty in the military could be rewarded with lower premiums.

It’s important to note that most discount credits are not given to the entire cost. A few only apply to the price of certain insurance coverages like comp or med pay. So despite the fact that it appears you can get free auto insurance, you’re out of luck. Any amount of discount will bring down the cost of coverage.

To see a list of insurance companies with the best auto insurance discounts, follow this link.

You are unique and your auto insurance should be too

When buying coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s situation is a little different.

For example, these questions might help in determining if your insurance needs would benefit from professional advice.

  • Do I need replacement cost coverage?
  • Is pleasure use cheaper than using my 2017 Ford Escape to commute?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Are all vehicle passengers covered by medical payments coverage?
  • Will filing a claim cost me more?
  • What happens if I owe more than my 2017 Ford Escape is worth?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Why am I required to get a high-risk car insurance policy?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form.

Free Auto Insurance Comparison

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

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Coverages available on your insurance policy

Understanding the coverages of your insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like doctor visits, rehabilitation expenses and chiropractic care. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Auto liability – Liability insurance will cover damages or injuries you inflict on other people or property by causing an accident. It protects you against claims from other people, and doesn’t cover 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. You might see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Alternatively, you may have one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as funeral expenses, repair costs for stationary objects and attorney fees. The amount of liability coverage you purchase is your choice, but buy as high a limit as you can afford.

Collision – This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like colliding with another moving vehicle, driving through your garage door, crashing into a ditch and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from getting keyed, damage from a tornado or hurricane, hitting a bird and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

In the end, you save

Budget-conscious 2017 Ford Escape insurance can be purchased both online in addition to many insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance providers do not provide online price quotes and most of the time these smaller companies sell through independent agents.

You just read many ideas to compare insurance prices online. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. Consumers could even find that the most savings is with a small local company.

When you buy insurance online, you should never reduce coverage to reduce premium. There are too many instances where consumers will sacrifice full coverage and learned later that the few dollars in savings costed them thousands. The aim is to purchase plenty of coverage for the lowest price while still protecting your assets.

Much more information about insurance can be found below:

Use our FREE quote tool to compare rates now!

Free Auto Insurance Comparison

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

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