Save Money on Ford Escape Insurance in Fresno

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
Get Your Own Custom Quote Go

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
Get Your Own Custom Quote Go

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.

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.

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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