Cheapest 2007 Ford Escape Insurance Rates in 2024

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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 12, 2023

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Feel like you’re a prisoner to an overpriced car insurance policy? Trust us when we tell you there are a lot of people just like you who feel imprisoned by their car insurance policy.

Companies like State Farm, Allstate, GEICO and Progressive continually hit you with ad campaigns and consumers find it hard to ignore the propoganda and effectively compare rates to find the best deal.

Quick Insurance Coverage Quotes

Most companies like GEICO, State Farm and Progressive give price estimates online. Getting online rates is pretty painless as you simply enter your coverage information as detailed in the form. After you submit the form their system pulls credit information and your driving record and quotes a price. Being able to quote online makes it a lot easier to compare rates but the process of having to visit many different websites and enter the same data into a form can be a bit tiresome and repetitive. But it is imperative to get many rate quotes in order to find the lowest possible prices on insurance coverage.

There is an easier way!

A quicker way to find cheaper rates is to use a quote form that obtains quotes from many companies. This type of form saves time, eliminates form submissions, and makes price shopping online much more efficient. Immediately after you send the form, it is rated and you are able to buy any of the resulting price quotes.

If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. It only takes a few minutes and can result in significant savings.

In order to find out how much you can save on insurance coverage, click here to open in new window and enter your vehicle and coverage information. If you have a policy now, it’s recommended you replicate coverages and limits just like they are on your policy. This ensures you will be getting comparison quotes for similar coverage.

When might I need an agent?

When buying adequate coverage for your personal vehicles, there is no one size fits all plan. Every situation is different and a cookie cutter policy won’t apply. For example, these questions could help you determine if your situation will benefit from professional help.

  • Can I rate high risk drivers on liability-only vehicles?
  • Is a blown tire covered by insurance?
  • When can my company non-renew my policy?
  • What if I owe more than I can insure my car for?
  • Which companies will insure high-risk drivers?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Am I insured when driving a different vehicle?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

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Auto insurance coverage information

Knowing the specifics of your car insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverages available from car insurance companies.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your 2007 Ford Escape.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these limits are set the same as your liability limits.

Collision protection

This covers damage to your Escape caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like colliding with a tree, scraping a guard rail, sustaining damage from a pot hole and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for immediate expenses such as nursing services, X-ray expenses, hospital visits, doctor visits and funeral costs. They are often utilized in addition to your health insurance policy or if you do not have health coverage. It covers you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive coverages

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as fire damage, damage from a tornado or hurricane, hitting a deer and damage from flooding. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto liability

Liability insurance can cover injuries or damage you cause to a person or their property that is your fault. It protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Alternatively, you may have a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as medical expenses, pain and suffering, legal defense fees, emergency aid and court costs. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Use our FREE quote tool to compare rates now!

Frequently Asked Questions

Are insurance rates generally higher for older vehicles like the 2007 Ford Escape?

Typically, older vehicles like the 2007 Ford Escape tend to have lower insurance rates compared to newer models. This is because older vehicles usually have a lower market value, making them less expensive to repair or replace in case of an accident. However, insurance rates are still influenced by other factors, so it’s best to consult with insurance providers for accurate quotes.

How can I find the cheapest insurance rates for a 2007 Ford Escape?

To find the most affordable insurance rates for a 2007 Ford Escape, consider the following four steps:

  1. Shop around and compare quotes from multiple insurance providers.
  2. Maintain a clean driving record and consider defensive driving courses to potentially qualify for discounts.
  3. Opt for higher deductibles if you can afford to pay more out of pocket in case of a claim.
  4. Explore bundling options, such as combining your auto insurance with other policies like home insurance, to potentially save on premiums.

Are there any specific insurance providers that offer particularly low rates for a 2007 Ford Escape?

Insurance rates can vary significantly between insurance providers, so it’s advisable to obtain quotes from multiple companies. Some well-known insurance providers that you may consider contacting include GEICO, Progressive, State Farm, Allstate, and Farmers Insurance. However, the rates offered by these companies can still depend on individual factors, so it’s important to compare quotes for accurate information.

Can modifications or aftermarket additions to a 2007 Ford Escape affect insurance rates?

Yes, modifications or aftermarket additions to a 2007 Ford Escape can potentially impact insurance rates. It’s important to notify your insurance provider about any modifications made to the vehicle, as they may affect its value or safety features. Certain modifications, such as engine upgrades or modifications that increase the vehicle’s performance, may result in higher premiums due to increased risk.

Is liability insurance sufficient for a 2007 Ford Escape, or should I consider additional coverage?

Liability insurance is the minimum coverage required in most states and provides coverage for damages or injuries you may cause to others in an accident. However, it does not cover damages to your own vehicle. If you want coverage for your 2007 Ford Escape, you may consider additional coverage options such as collision coverage and comprehensive coverage, which provide protection in case of accidents, theft, vandalism, or natural disasters. The specific coverage needs may vary depending on your individual circumstances.

Can I lower insurance rates for a 2007 Ford Escape by improving its safety features?

Yes, improving the safety features of a 2007 Ford Escape can potentially lead to lower insurance rates. Installing safety devices like anti-lock brakes, airbags, anti-theft systems, and traction control can help reduce the risk of accidents or theft. Many insurance providers offer discounts for vehicles equipped with these safety features.

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