Trying to find low-cost insurance for a Ford Escape can be an all-consuming task, but you can learn our auto insurance buying tips to make it easier.
There are more efficient ways to shop for auto insurance and you need to know the best way to compare rates for your Ford and get the cheapest rates from both online companies and local agents.
It’s important to do rate comparisons yearly since insurance rates are rarely the same from one policy term to another. Despite the fact that you may have had the lowest price on Escape coverage last year there is a good chance you can find better rates now. Starting now, forget anything you know (or think you know) about auto insurance because you’re going to get a crash course in one of the easiest ways to save money, get proper coverage and the best rates.
Car insurance is not cheap, but you can get discounts to help bring down the price. Certain discounts will be triggered automatically when you complete an application, but a few need to be inquired about before you get the savings. If you’re not getting every credit you deserve, you’re paying more than you need to.
Keep in mind that most discount credits are not given to the overall cost of the policy. Some only reduce specific coverage prices like physical damage coverage or medical payments. So when the math indicates you can get free auto insurance, it doesn’t quite work that way. Any amount of discount will help reduce your premiums.
To choose companies with the best auto insurance discounts, click here.
All major auto insurance companies allow you to get prices for coverage directly from their websites. Obtaining pricing is pretty painless as you just enter your coverage information into a form. After the form is submitted, their system will order your driving and credit reports and generates a price.
This streamlines rate comparisons, but the process of having to visit a lot of sites and fill out multiple forms is not the best way to spend an afternoon. But it is imperative to compare as many rates as possible if you want to find lower prices.
There is a better way to compare rates
The smarter way to lower your rates makes use of a single form that gets price quotes from a lot of companies. It saves time, eliminates form submissions, and makes online quotes much easier. Immediately after you send the form, your coverage is rated with multiple companies and you can pick any or none of the resulting price quotes.
If the quotes result in lower rates, you simply finish the application and buy the policy. The entire process just takes a couple of minutes and can result in significant savings.
To find out what other companies charge, click here to open in a new tab and input your coverage information. If you have a policy now, it’s recommended that you enter identical to your current policy. This helps ensure you’re receiving rate quotes for exact coverage.
An important part of buying insurance is that you know some of the elements that help determine auto insurance rates. Knowing what determines base rates allows you to make educated decisions that will entitle you to big savings.
When choosing coverage for your vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs.
These are some specific questions might point out if you would benefit from professional advice.
If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.
Some people prefer to get advice from a local agent and there is nothing wrong with that. Licensed agents can answer important questions and give you someone to call. The best thing about price shopping on the web is you may find better rates but still work with a licensed agent. Buying from local insurance agencies is especially important in small towns and cities.
Upon completion of this form (opens in new window), your information gets sent to companies who will compete for your insurance coverage. There is no reason to even leave your home as quotes are delivered to the email address you provide. Now that’s easy!
When finding local agents, there are two types of insurance agents that differ in how they can insure your vehicles. Agents can either be independent or captive. Both types can properly insure your vehicles, but it’s worth learning the difference between them because it can impact the selection process.
Independent agencies are not employed by any specific company so they can insure your vehicles with many different companies enabling the ability to shop coverage around. If your agent finds better pricing, the agent simply finds a different carrier and that require little work on your part.
When searching for an agent, it’s recommended you include price quotes from multiple independent agents to get the best comparison.Most can insure with smaller companies which may provide better rates.
Captive agencies write business for a single company and examples are Liberty Mutual, State Farm, Allstate and AAA. They generally cannot shop your coverage around so it’s a take it or leave it situation. Captive agencies are usually quite knowledgeable on their company’s products which helps them sell insurance even at higher premiums. Some people will only choose to use a captive agent mostly because of high brand loyalty and solid financial strength.
For a full directory of agents, click here.
Deciding on an auto insurance agent needs to be determined by more than just a low price. Agents should be asked these questions:
Once you have received positive feedback to all your questions and a low price estimate, chances are good that you have found a car insurance agent that will provide auto insurance coverage.
Consumers get pounded daily by advertisements for the lowest price auto insurance by State Farm and Allstate. All the ads make an identical promise that you’ll save big after switching to their company.
How do they all make almost identical claims?
All the different companies have a certain “appetite” for the type of customer they prefer to insure. An example of a preferred risk might be between 25 and 40, has no prior claims, and drives less than 10,000 miles a year. A customer who meets those qualifications will get very good rates and most likely will save when switching.
Drivers who are not a match for these standards will be quoted a more expensive rate which usually ends up with business not being written. Company advertisements say “customers who switch” but not “drivers who get quotes” save money. That’s the way insurance companies can confidently make the claims of big savings.
This emphasizes why you absolutely need to quote coverage with many companies. It is impossible to predict which company will have the lowest rates.
When you buy insurance online, do not reduce coverage to reduce premium. There have been many situations where consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to get the best coverage possible at a price you can afford while still protecting your assets.
Insureds who switch companies do it for a number of reasons such as not issuing a premium refund, poor customer service, policy cancellation and denial of a claim. Regardless of your reason for switching companies, finding a new company is less work than it seems.
The cheapest Ford Escape insurance is attainable from both online companies as well as from independent agents, and you need to price shop both to have the best chance of lowering rates. Some companies don’t offer the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.