Cheapest Rate Quotes for Ford Escape Insurance in Mesa

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Insurance quote for Ford Escape in MesaThe easiest way to find low-cost prices for auto insurance rates in Mesa is to start comparing prices yearly from different companies in Arizona. You can compare rates by following these steps.

Step 1: Read about what coverages are included in your policy and the changes you can make to keep rates in check. Many rating factors that result in higher rates like high-risk driving behaviors and a less-than-favorable credit history can be improved by paying attention to minor details. This article provides more ideas to prevent high prices and find possible discounts that are available.

Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can give quotes from one company like Progressive or Farmers Insurance, while agents who are independent can provide prices for many different companies. Begin your rate comparison

Step 3: Compare the quotes to your existing coverage to determine if you can save on Escape insurance. If you find a better price and decide to switch, make sure there is no lapse in coverage.

Step 4: Notify your current company of your intention to cancel your current auto insurance policy. Submit a down payment and signed policy application to the new company. As soon as you can, store the certificate verifying proof of insurance above your visor, in the console, or in the glove compartment.

One key aspect when comparing rates is to make sure you're comparing the same amount of coverage on every quote and to quote with as many different insurance providers as possible. This guarantees a level playing field and the best rate selection.

Amazingly, a large majority of auto insurance policyholders have remained with the same auto insurance company for at least the last four years, and practically 40% of auto insurance customers have never shopped around. Many consumers in Mesa can save hundreds of dollars each year, but they don't know the benefits if they just switched companies.

We hope to help educate you on how car insurance companies work and some money-saving tips. If you currently have auto insurance, you stand a good chance to be able to get lower rates using the following tips. Vehicle owners just need to know the most efficient way to shop their coverage around from multiple carriers.

Coverage analysis

The coverage information shown next highlights detailed analysis of insurance coverage prices for Ford Escape models. Having knowledge of how rate quotes are established is important for you to make smart buying decisions.

Ford Escape Insurance Rates in Mesa, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $194 $376 $268 $16 $80 $934 $78
Escape XLS 4WD $194 $376 $268 $16 $80 $934 $78
Escape XLT 2WD $194 $376 $268 $16 $80 $934 $78
Escape Limited 2WD $222 $376 $268 $16 $80 $962 $80
Escape XLT 4WD $222 $376 $268 $16 $80 $962 $80
Escape Limited 4WD $222 $456 $268 $16 $80 $1,042 $87
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Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Price estimates do not factor in specific location information which can increase or decrease prices substantially.

Comparison of policy deductibles

When comparing auto insurance rates, the most common question is how low should you set your deductibles. The comparisons below summarize the cost difference when you select higher and lower comp and collision deductibles. The first set of rates uses a $250 deductible for comp and collision and the second price table uses a $1,000 deductible.

Ford Escape insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $202 $320 $254 $16 $76 $893 $74
Escape XLS 4WD $202 $320 $254 $16 $76 $893 $74
Escape XLT 2WD $202 $320 $254 $16 $76 $893 $74
Escape Limited 2WD $232 $320 $254 $16 $76 $923 $77
Escape XLT 4WD $232 $320 $254 $16 $76 $923 $77
Escape Limited 4WD $232 $390 $254 $16 $76 $993 $83
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Ford Escape insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $124 $202 $254 $16 $76 $672 $56
Escape XLS 4WD $124 $202 $254 $16 $76 $672 $56
Escape XLT 2WD $124 $202 $254 $16 $76 $672 $56
Escape Limited 2WD $144 $202 $254 $16 $76 $692 $58
Escape XLT 4WD $144 $202 $254 $16 $76 $692 $58
Escape Limited 4WD $144 $246 $254 $16 $76 $736 $61
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Table data does not factor in zip code location which can influence coverage rates considerably.

Using the premium rates above, we can conclude that using a $250 deductible could cost the average driver approximately $19 more each month or $228 for a full year across all Ford Escape models than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average more than 39 months between claim filings, you would probably come out ahead by going with a higher deductible.

The information below shows how choosing a deductible and can increase or decrease Ford Escape insurance prices for different categories of driver ages. The rate quotes are based on a married female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

Auto insurance rates based on gender in Mesa

The chart below illustrates the comparison of Ford Escape insurance costs for male and female drivers. The data assumes no claims or driving citations, full coverage, $500 deductibles, single marital status, and no discounts are taken into consideration.

Does it make sense to buy full coverage?

The diagram below compares Ford Escape premium costs with and without physical damage coverage. The price estimates are based on no accidents, no driving violations, $250 deductibles, drivers are not married, and no discounts are factored in.

Should you pay for full coverage or liability only?

There isn't a written rule to exclude comp and collision coverage, but there is a guideline you can use. If the yearly cost of comp and collision coverage is 10% or more of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.

For example, let's say your Ford Escape claim settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $4,000 after paying your policy deductible. If you are paying more than $400 a year for comprehensive and collision coverage, then you might want to think about dropping full coverage.

There are some situations where dropping full coverage is not a good idea. If you haven't paid off your loan, you have to maintain full coverage in order to keep the loan. Also, if you don't have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.

Ford Escape Insurance Rates Can Be More Affordable

When buying car insurance it's important to understand some of the things that come into play when calculating the rates you pay for car insurance. When consumers understand what determines base rates, this helps enable you to make changes that may result in lower car insurance prices.

Listed below are some of the most common factors used by your company to calculate your premiums.

  • Premiums increase with driving tickets - Good drivers pay lower auto insurance prices compared to bad drivers. Only having one chargeable violation could increase your next policy renewal substantially. Drivers who have received flagrant tickets such as reckless driving, hit and run or driving under the influence may find that they have to to prove financial responsibility with their state in order to legally drive a vehicle.

    The information below illustrates how speeding tickets and at-fault claims can influence Ford Escape insurance costs for different ages of insureds. The price estimates are based on a married male driver, full coverage, $500 deductibles, and no additional discounts are factored in.

  • Vehicles with better crash test results lower prices - Vehicles with high crash test scores tend to have lower insurance rates. The safest vehicles reduce occupant injuries and lower injury rates means lower claim amounts passed on to you as lower rates.
  • Urban areas may pay more - Living in small towns and rural areas is a positive aspect when trying to find low car insurance rates. Less people translates into fewer accidents and lower theft and vandalism rates. Drivers in populated Arizona areas have to deal with more auto accidents and a longer drive to work. Spending more time driving can result in more accidents.
  • Don't skimp on liability insurance - Liability insurance kicks in if you are found to be at fault for causing damage or personal injury in an accident. It will provide legal defense starting from day one. This coverage is very inexpensive when compared to the cost of physical damage coverage, so do not cut corners here.
  • More policies can equal more savings - Lots of car insurance companies will award lower prices to customers who carry more than one policy. It's known as a multi-policy discount. Discounts can add up to as much as ten percent or more Even with this discount, you still need to shop around to help ensure you have the lowest rates.
  • High physical damage deductibles cost less - The deductibles you choose define how much you are willing to pay if you file a covered claim. Coverage for physical damage, also called comprehensive and collision insurance, is used to repair damage to your car. Some examples of covered claims would be collision with another vehicle, animal collisions, and damage caused by road hazards. The more expense you choose to pay out-of-pocket, the bigger discount you will receive.
  • Filing insurance claims can increase rates - If you are a frequent claim filer, you can expect either a policy non-renewal or much higher rates. Auto insurance companies in Arizona give better rates to people who file claims infrequently. Insurance coverage is intended for the large, substantial claims.
  • Lower rates for married couples - Having a significant other may cut your premiums compared to being single. Having a spouse means you're more stable financially and insurance companies reward insureds because married drivers get in fewer accidents.
  • Insurance losses for a Ford Escape - Car insurance companies factor in insurance loss information when they set coverage costs for each model. Models that statistically have a higher amount or frequency of claims will have increased rates.

    The table below outlines the actual insurance loss data for Ford Escape vehicles. For each type of coverage, the statistical loss for all vehicles, as an average, is considered to be 100. Values that are 100 or less are indicative of better than average losses, while numbers shown that are more than 100 indicate more frequent losses or tendency to have larger claims.

    Ford Escape Insurance Claim Statistics
    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
    BETTER
    AVERAGE
    WORSE

    Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Don't give up on cheaper premiums

In this article, we covered many tips how you can save on Ford Escape insurance in Mesa. The key concept to understand is the more companies you get prices for, the more likely it is that you will get a better rate. You may even be surprised to find that the lowest premium rates are with the smaller companies. They may cover specific market segments cheaper than their larger competitors like State Farm or Progressive.

When getting Mesa auto insurance quotes online, make sure you don't reduce coverage to reduce premium. There are a lot of situations where an insured dropped uninsured motorist or liability limits to discover at claim time that they should have had better coverage. Your aim should be to find the BEST coverage at the best cost but still have enough coverage for asset protection.

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