Save Money on Ford Escape Insurance in Fresno

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Discount Ford Escape insuranceThe easiest way to find low-cost Ford Escape insurance is to make a habit of regularly comparing prices from insurers in Fresno. Rates can be compared by following these guidelines.

Step 1: Take a little time to learn about the coverage provided by your policy and the measures you can take to prevent expensive coverage. Many rating criteria that drive up the price like inattentive driving and a less-than-favorable credit history can be controlled by improving your driving habits or financial responsibility. Read the full article for ideas to lower rates and find overlooked discounts.

Step 2: Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can give quotes from a single company like Progressive or Allstate, while independent agencies can give you price quotes from multiple sources.

Step 3: Compare the new rate quotes to your current policy and see if there is a cheaper rate in Fresno. If you find better rates, make sure there is no lapse between the expiration of your current policy and the new one.

Step 4: Notify your current company of your intention to cancel your existing policy and submit a down payment along with a completed application to your new company or agent. As soon as coverage is bound, place your new certificate verifying proof of insurance in an easily accessible location in your vehicle.

One key aspect when comparing rates is to make sure you enter the same physical damage deductibles and liability limits on every quote request and and to get rates from all possible companies. This provides the most accurate price comparison and plenty of rates choose from.

Everyone knows that car insurance companies want to keep your business as long as possible. Drivers who shop around once a year are inclined to switch companies because the odds are good of finding better rates. A recent survey discovered that drivers who did price comparisons regularly saved approximately $72 a month compared to other drivers who never shopped around for cheaper prices.

If finding the lowest price for Ford Escape insurance in Fresno is the reason you're here, then having some insight into how to get price quotes and compare insurance premiums can make it easier to shop your coverage around.

Buy Fresno Ford Escape insurance online

All major car insurance companies such as State Farm, GEICO and Progressive allow consumers to get prices from their websites. Getting quotes for Ford Escape insurance in Fresno is fairly simple because you just enter the coverage amounts you desire as detailed in the form. When the form is submitted, the system will obtain your credit score and driving record and generates pricing information based on these factors. The ability to get online price quotes for Ford Escape insurance in Fresno helps simplify price comparisons, and it's necessary to compare as many rates as possible in order to get lower-cost prices.

To find out how much you're overpaying now, visit the companies below or click here to submit a quote request to multiple companies at once. To compare your current rates, we recommend you duplicate the limits and deductibles exactly as they are listed on your policy. This helps ensure you will get an apples-to-apples comparison based on similar coverages.

The providers in the list below are our best choices to provide free rate quotes in Fresno, CA. In order to find cheap auto insurance in CA, it's a good idea that you get prices from several of them to get a more complete price comparison.

Auto insurance analysis for a Ford Escape

The premium table shown next outlines detailed analysis of insurance rates for Ford Escape models. Being able to understand how auto insurance policy rates are figured is important for drivers to make smart choices when choosing a car insurance company.

Ford Escape Insurance Rates in Fresno, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $236 $438 $454 $26 $136 $1,290 $108
Escape XLS 4WD $236 $438 $454 $26 $136 $1,290 $108
Escape XLT 2WD $236 $438 $454 $26 $136 $1,290 $108
Escape Limited 2WD $272 $438 $454 $26 $136 $1,326 $111
Escape XLT 4WD $272 $438 $454 $26 $136 $1,326 $111
Escape Limited 4WD $272 $534 $454 $26 $136 $1,422 $119
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Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Premium amounts do not factor in specific location information which can raise or lower coverage prices substantially.

Physical damage deductibles

One of the most common auto insurance questions is how high should the physical damage deductibles be. The following insurance rates can help you understand the difference in cost between low and high policy deductibles. The first set of prices uses a $250 deductible for comp and collision and the second data table uses a $500 deductible.

Ford Escape insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $298 $472 $376 $22 $112 $1,305 $109
Escape XLS 4WD $298 $472 $376 $22 $112 $1,305 $109
Escape XLT 2WD $298 $472 $376 $22 $112 $1,305 $109
Escape Limited 2WD $342 $472 $376 $22 $112 $1,349 $112
Escape XLT 4WD $342 $472 $376 $22 $112 $1,349 $112
Escape Limited 4WD $342 $576 $376 $22 $112 $1,453 $121
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Ford Escape insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $242 $382 $376 $22 $112 $1,134 $95
Escape XLS 4WD $242 $382 $376 $22 $112 $1,134 $95
Escape XLT 2WD $242 $382 $376 $22 $112 $1,134 $95
Escape Limited 2WD $278 $382 $376 $22 $112 $1,170 $98
Escape XLT 4WD $278 $382 $376 $22 $112 $1,170 $98
Escape Limited 4WD $278 $464 $376 $22 $112 $1,252 $104
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Price information does not factor in zip code location which can change price quotes substantially.

Using the premium rates above, we can conclude that using a $250 deductible costs approximately $14 more each month or $168 annually than choosing the higher $500 deductible. Due to the fact that you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you go at a minimum 18 months between claims, you would most likely save money if you elect the higher deductible.

The diagram below demonstrates how choosing different deductibles and can raise or lower Ford Escape insurance costs for each age group. The rates are based on a married male driver, comp and collision included, and no discounts are taken into consideration.

Ford Escape insurance premiums by gender and age

The chart below compares Ford Escape car insurance rates for male and female drivers. The data is based on no accidents or driving violations, comprehensive and collision coverage, $250 deductibles, single marital status, and no additional discounts are factored in.

Rate difference between full and liability-only coverage

The chart below illustrates the comparison of Ford Escape insurance rates when comparing full coverage to state minimum liability only. The rates are based on no violations or claims, $100 deductibles, single status, and no other discounts are factored in.

Should you buy full coverage or liability only?

There is no set guideline of when to phase out full coverage on your policy, but there is a guideline you can use. If the annual cost of having full coverage is more than 10% of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.

For example, let's assume your Ford Escape book value is $8,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would get paid by your company is $7,000 after you pay the deductible. If premiums are more than $700 a year for comprehensive and collision coverage, then it's probably a good time to buy liability coverage only.

There are some conditions where eliminating full coverage is not in your best interest. If you haven't paid off your loan, you are required to maintain full coverage as part of the loan conditions. Also, if you don't have enough money to buy a different vehicle if your current one is damaged, you should keep full coverage.

Buying the right Ford Escape insurance in California is an important decision

Despite the fact that auto insurance is not cheap in Fresno, auto insurance is mandatory in California but it also protects more than you think.

  • Most states have minimum mandated liability insurance limits which means it is punishable by state law to not carry specific minimum amounts of liability insurance coverage in order to be legal. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
  • If your vehicle has a loan, most lenders will make it a condition of the loan that you have physical damage coverage to ensure they get paid if you total the vehicle. If you let the policy lapse, the lender may have to buy a policy to insure your Ford for a lot more money and require you to fork over for it.
  • Insurance protects not only your Ford Escape but also your financial assets. It will also provide coverage for medical expenses for yourself as well as anyone injured by you. As part of your policy, liability insurance will also pay attorney fees if you are named as a defendant in an auto accident. If mother nature or an accident damages your car, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of carrying enough insurance definitely exceed the price paid, especially when you need to use it. Today the average American driver overpays as much as $830 a year so it's important to compare rates at every renewal to ensure rates are competitive.

Ford Escape Insurance Price Factors

Consumers need to have an understanding of some of the elements that come into play when calculating the rates you pay for auto insurance. If you know what positively or negatively impacts your premiums, this helps enable you to make changes that can help you get cheaper rates.

  • Drive less and save - The higher the mileage driven in a year the higher your rate. A lot of companies apply a rate determined by how the vehicle is used. Cars and trucks not used for work or commuting cost less to insure than those that get driven frequently. Double check that your auto insurance policy correctly shows the proper vehicle usage, because it can save money. An incorrectly rated Escape can cost quite a bit.
  • Single vs. married - Walking down the aisle may earn you lower rates compared to being single. Having a spouse usually means you are more stable financially and it's statistically proven that drivers who are married are more cautious.
  • How's your driving record? - Drivers who don't get tickets pay less for auto insurance than bad drivers. Having just one speeding ticket can increase rates twenty percent or more. Drivers who have gotten serious violations such as reckless driving or DUI are required to submit a SR-22 or proof of financial responsibility with their state's department of motor vehicles in order to prevent their license from being revoked.

    The illustration below shows how violations and at-fault claims can influence Ford Escape insurance premiums for each age group. The price estimates are based on a married male driver, full physical damage coverage, $500 deductibles, and no discounts are applied.

  • Don't let your auto insurance lapse - Driving with no insurance is not a good idea and you may have a hard time finding new coverage because you let your coverage have a gap. Not only will rates go up, failure to provide proof of insurance could earn you a license revocation or jail time.
  • More performance means higher prices - The performance level of the car or truck you are buying insurance for makes a significant difference in your auto insurance rates. The cheapest rates are usually for lower cost passenger cars, but the cost you end up paying is determined by many additional factors.

    The following data uses these variables: married male driver age 40, full coverage with $500 deductibles, and no discounts or violations. The data compares Ford Escape car insurance rates compared to other vehicles that have a range of performances.

  • Ford Escape statistical loss data - Insurance companies analyze past claim statistics to help determine rates. Models that the data shows to have higher loss trends will have a higher premium rate. The next table illustrates the insurance loss data for Ford Escape vehicles.

    For each insurance policy coverage type, the claim probability for all vehicles compiled together is considered to be 100. Values that are 100 or less imply a favorable loss record, while values over 100 point to more frequent losses or tendency to have larger claims.

    Auto Insurance Loss Data for Ford Escape Models
    Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Ford Escape 4dr 2WD 80 91 83 94 94 92
    Ford Escape 4dr 4WD 81 84 94 85 90 77

    Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

More comparisons equals cheap rates

When searching for affordable Ford Escape insurance quotes, make sure you don't buy less coverage just to save a little money. There have been many situations where an insured dropped uninsured motorist or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. The goal is to get the best coverage possible at the best cost, not the least amount of coverage.

Discount Ford Escape insurance in Fresno can be bought on the web and from local insurance agents, so you need to quote Fresno car insurance with both to get a complete price analysis. Some car insurance companies don't offer rates over the internet and these small, regional companies provide coverage only through local independent agents.

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