Lower Your 2019 Ford Escape Insurance Quotes in 2024

Searching for lower insurance rates for your Ford Escape? Baffled by the crazy number of insurance providers in your area? There are such a vast assortment of providers available that it can easily turn into a lot of work to find lower rates.

Locating the cheapest coverage is easy if you know what you’re doing. Essentially everyone who buys insurance coverage will be able to cut their insurance bill. Nevertheless, drivers can benefit by having an understanding of how companies determine prices and use this information to your advantage.

The quickest method to compare insurance rates in your area utilizes the fact most larger insurance companies provide online access to compare rate quotes. All consumers are required to do is spend a couple of minutes providing details such as your job, distance driven, if the vehicle is leased, and how much education you have. That information is instantly sent to many of the top insurers and you will receive price estimates instantly.

Insurance Coverage Discounts

Not too many consumers would say insurance coverage is affordable, but there could be significant discounts to cut the cost considerably. Some trigger automatically at the time you complete a quote, but occasionally some discounts must be asked for before they will apply.

• Seat Belts Save – Forcing all vehicle occupants to use their safety belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
• Payment Discounts – By paying your policy upfront rather than paying in monthly installments you could save 5% or more.
• Driver Education Discount – Have your child enroll in driver’s education in high school.
• Sign Online – A handful of companies may give you up to $50 for buying your policy over the internet.
• Student in College – Kids who live away from home to go to college and don’t have a car can be insured at a reduced rate.
• Braking Control Discount – Cars and trucks that have steering control and anti-lock brakes can reduce accidents so companies give up to a 10% discount.
• Club Memberships – Participating in certain professional organizations is a good way to get lower rates when shopping for insurance coverage.
• Passive Restraints – Factory air bags or motorized seat belts can get savings up to 30%.
• Theft Prevention System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10% off your auto insurance quote.
• Data Collection Discounts – Policyholders that allow driving data collection to monitor when and where they use their vehicle by installing a telematics device like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease if they have good driving habits.

As is typical with insurance, most of the big mark downs will not be given to your bottom line cost. Some only apply to the cost of specific coverages such as liability and collision coverage. Just because you may think adding up those discounts means a free policy, you’re out of luck. Any qualifying discounts will reduce the premium cost.

A list of companies and some of the premium reductions they offer are:

• Farm Bureau may have discounts that include driver training, multi-vehicle, safe driver, 55 and retired, and good student.
• Liberty Mutual has savings for newly married, safety features, hybrid vehicle, good student, new move discount, multi-policy, and teen driver discount.
• State Farm includes discounts for defensive driving training, accident-free, multiple autos, good driver, Drive Safe & Save, and Steer Clear safe driver discount.
• Auto-Owners Insurance may include discounts for good student, group or association, mature driver, air bags, student away at school, and multi-policy.
• GEICO discounts include multi-policy, emergency military deployment, air bags, daytime running lights, and anti-lock brakes.
• SAFECO offers discounts including anti-lock brakes, homeowner, accident prevention training, anti-theft, safe driver, and teen safe driver.

Check with every prospective company which discounts can lower your rates. Some credits may not apply to policyholders in every state.

Tailor your car insurance coverage to you

When it comes to choosing the right insurance coverage, there really is not a cookie cutter policy. Each situation is unique.

Here are some questions about coverages that can aid in determining if your insurance needs could use an agent’s help.

• Should I get collision insurance on every vehicle?
• Am I covered if my car is in a flood?
• When does my teenage driver need to be added to my policy?
• What is no-fault insurance?
• What should my uninsured motorist coverage limits be in my state?
• Should I buy full coverage?
• Are my friends covered when driving my 2019 Ford Escape?
• Can my teen drive my company car?
• Why do I only qualify for high-risk insurance?
• What is the difference between comprehensive and collision coverage?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete your zip code.

Get cheaper auto insurance with these tips

Lots of factors are part of the equation when pricing auto insurance. Some factors are common sense such as traffic violations, but other criteria are more transparent such as your marital status or your financial responsibility. A large part of saving on auto insurance is knowing some of the things that go into determining your auto insurance rates. When you understand what influences your rates, this empowers consumers to make smart changes that could help you find better auto insurance rates.

• Save money with responsible credit – Having a bad credit score can be an important factor in determining your rates. People that have excellent credit scores tend to file fewer claims and have better driving records than drivers who have lower ratings. Therefore, if your credit history can be improved, you could be paying less to insure your 2019 Ford Escape by improving your rating.
• Cautious drivers pay less – Your driving citation history has a lot to do with how much you pay for insurance. Drivers who don’t get tickets pay less for auto insurance as compared to careless drivers. Having just one speeding ticket or other violation could increase your next policy renewal substantially. Drivers who have gotten dangerous violations such as hit and run, DWI or reckless driving convictions may face state-mandated requirements to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.
• Never let your auto insurance policy expire – Having a lapse in insurance coverage can be a guaranteed way to drive up your policy premiums. In addition to paying higher premiums, being ticketed for driving with no insurance could earn you a revoked license or a big fine. Then you may be required to file a SR-22 with your state motor vehicle department.
• Where you live is a factor – Having an address in smaller towns and rural areas of the country may provide you with better prices when buying auto insurance. Fewer drivers on the road means reduced accidents and also fewer theft and vandalism claims. Drivers in populated areas have to deal with more aggressive driving styles and a longer drive to work. Higher commute times means higher likelihood of an accident.
• Gender matters – Over the last 30 years, statistics show that females tend to be a little less risky than males. This data doesn’t prove that females are better at driving than males. Both sexes are responsible for at-fault accidents in similar numbers, but the male of the species cause more damage. In addition to higher claims, males also receive more costly citations like reckless driving and DUI. Male drivers age 16 to 19 are most likely to cause an accident so they pay the highest premiums.
• Vocation impacts prices – Jobs such as military personnel, airline pilots and financial analysts usually pay higher premiums than the average policyholder attributed to intense work-related stress and lots of time spent at work. Other jobs like professors, athletes and performers generally pay rates lower than average for Escape insurance.
• Married people drive safer – Having a significant other may save some money on your auto insurance policy. It means you’re more mature and responsible and statistics prove drivers who are married are more cautious.

Why you might not save $391 a year

Respected companies like State Farm, Allstate and GEICO continually stream television and radio advertisements. They all make the point about how much you will save if you just switch your policy. That’s great but how can every company charge lower premium rates? It’s all in the words they use.

Insurance coverage companies have a preferred profile for the type of driver they prefer to insure. For instance, a driver they prefer could possibly be between 25 and 40, has no driving citations, and drives a safe vehicle. Anybody who matches those parameters will get very good car insurance rates and as a result will probably save if they switch.

Drivers who do not meet those standards will see higher premium rates and business not being written. If you pay attention, the ads say “drivers that switch” not “everyone that quotes” can get the lowest rates when switching. That’s the way insurance companies can confidently lure you into getting a quote.

This illustrates why it is so important to compare free auto insurance quotes often. It is impossible to guess with any certainty which company will provide you with the cheapest car insurance rates.

Coverage specifics

Knowing the specifics of a auto insurance policy can help you determine which coverages you need and proper limits and deductibles. Auto insurance terms can be confusing and nobody wants to actually read their policy.

Liability auto insurance

Liability coverage provides protection from damages or injuries you inflict on other’s property or people by causing an accident. It protects you against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as bail bonds, repair costs for stationary objects, funeral expenses, repair bills for other people’s vehicles and loss of income. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision 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 claims such as backing into a parked car, sideswiping another vehicle, crashing into a ditch, scraping a guard rail and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, 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. Most of the time these coverages are similar to your liability insurance amounts.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like dental work, nursing services and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive auto insurance

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as falling objects, damage from a tornado or hurricane, theft, damage from getting keyed and rock chips in glass. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

The bottom line

We just presented many ways to save on 2019 Ford Escape insurance. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. Drivers may discover the best premium rates are with a company that doesn’t do a lot of advertising.

When buying insurance coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. Too many times, consumers will sacrifice collision coverage to discover at claim time that the savings was not a smart move. The aim is to buy a smart amount of coverage at a price you can afford, but do not sacrifice coverage to save money.

Insureds switch companies for a number of reasons such as delays in paying claims, high rates after DUI convictions, unfair underwriting practices or policy cancellation. No matter why you want to switch, finding a great new company is pretty simple and you could end up saving a buck or two.