Compare 2018 Ford Escape Insurance Rates in 2024

Trying to find cheaper auto insurance rates for your Ford Escape? Searching for cheaper insurance for your Ford Escape can normally be difficult, but you can learn the following methods to find lower rates.

There are both good and bad ways to buy auto insurance so we’re going to tell you the proper way to quote coverages on a Ford and find the lowest price either online or from local insurance agents.

How to shop insurance coverage online

Getting low cost 2018 Ford Escape insurance coverage pricing can be relatively painless. You just have to take a few minutes to compare free insurance coverage quotes from some recommended companies. It’s really simple and can be done in just a few minutes using one of these methods.

• The best way to get quotes for comparison would be an industry-wide quote request form. This style of form prevents you from having to do multiple quote forms to each individual insurance coverage company. A single, simple form will return quotes from all major companies. Just one form and you’re done.
• A less efficient way to shop for insurance coverage online consists of visiting each individual company website and repeat the quote process. For examples sake, let’s say you want to compare prices for USAA, Progressive and Travelers. In order to get each rate, you would have to go to every website and enter your policy data, which is why the first method is more popular.

However you get your quotes, make darn sure you compare the exact same coverages on every price quote you get. If each company quotes unequal deductibles or liability limits it’s impossible to determine the lowest rate for your Ford Escape.

Special considerations

When buying proper insurance coverage, there really is no one size fits all plan. Every insured’s situation is different.

For instance, these questions can help discover whether or not you will benefit from professional help.

• When should I buy a commercial auto policy?
• What are the best liability limits?
• When would I need additional glass coverage?
• How do I file an SR-22 for a DUI in my state?
• Is a fancy paint job covered?
• Should I waive the damage coverage when renting a car?
• Am I covered if I break a side mirror?
• Will my insurance pay for OEM parts?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete your zip code. It only takes a few minutes and can help protect your family.

Specific coverages for a 2018 Ford Escape

Knowing the specifics of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Collision coverage – Collision insurance will pay to fix damage to your Escape caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as scraping a guard rail, rolling your car, hitting a mailbox and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Liability auto insurance – This can cover damages or injuries you inflict on a person or their property that is your fault. This coverage protects you against other people’s claims. Liability 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. As an example, you may have liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as medical expenses, pain and suffering and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Comprehensive coverages – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, hitting a bird, a broken windshield, rock chips in glass and damage from getting keyed. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured and underinsured coverage – This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2018 Ford Escape.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these coverages are similar to your liability insurance amounts.

Coverage for medical payments – Med pay and PIP coverage provide coverage for expenses such as chiropractic care, ambulance fees and rehabilitation expenses. They are often used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay