Ford Escape Insurance Rate Quotes in Arlington

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Insurance rates Ford Escape in ArlingtonThe easiest way to get discount car insurance rates is to regularly compare quotes from companies in Arlington. Drivers can shop around by following these guidelines.

  • First, try to learn a little about individual coverages and the changes you can make to prevent rate increases. Many rating criteria that increase rates like distracted driving and an imperfect credit rating can be amended by being financially responsible and driving safely. This article provides additional ideas to help keep prices low and find additional discounts you may qualify for.
  • Second, obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give prices from a single company like GEICO and Allstate, while independent agents can quote prices for a wide range of insurance providers.
  • Third, compare the new quotes to the price on your current policy to determine if switching companies saves money. If you can save some money and switch companies, ensure there is no coverage lapse between policies.
  • Fourth, tell your current company of your intention to cancel your current auto insurance policy and submit the signed application along with the required initial payment to your new carrier. Once coverage is bound, put the certificate verifying proof of insurance in your vehicle.

One bit of advice is to make sure you enter identical coverage information on every quote and and to get price quotes from as many different companies as possible. This ensures an accurate price comparison and a thorough price selection.

Smart shoppers know that auto insurance companies want to keep you from shopping around. Drivers who compare price quotes will, in all likelihood, buy a new policy because there is a good probability of finding a lower-priced policy. A recent survey found that drivers who regularly compared price quotes saved approximately $3,400 over four years compared to other drivers who never shopped around for cheaper prices.

If finding budget-friendly rates on car insurance is your ultimate target, then learning about how to shop and compare cheaper coverage can save time and money.

If you are already insured or are shopping for new coverage, use these techniques to get lower rates without reducing coverage. Quoting and buying the lowest cost coverage in Arlington is not as hard as you think. Smart shoppers only need an understanding of the proper way to find the lowest price online.

Discounts can help save money on Ford Escape insurance in Arlington

Car insurance is not cheap nor is it fun to buy but you might already qualify for some discounts that you may not even be aware of. Some trigger automatically at the time of quoting, but lesser-known reductions have to be manually applied before you will receive the discount. If you check and find you aren't receiving every discount you qualify for, you're paying more than you need to.

  • First Accident Forgiveness - Not really a discount, but a few companies such as Liberty Mutual, Allstate and State Farm will forgive one accident without getting socked with a rate hike if you have no claims before the accident.
  • Own a Home - Being a homeowner can help you save on car insurance due to the fact that maintaining a home means you have a higher level of financial diligence.
  • Discounts for Safe Drivers - Drivers who avoid accidents may save up to 50% more than their less cautious counterparts.
  • Theft Deterrent - Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and will save you 10% or more on Escape insurance in Arlington.
  • Smart Student Discounts - A discount for being a good student may save you up to 25%. Most companies allow this discount up to age 25.
  • Federal Employees - Having worked for a branch of the government could qualify for a slight premium decrease with certain companies.
  • Discounts for Multiple Vehicles - Having multiple cars with the same car insurance company can get a discount on all vehicles.
  • Senior Citizens - Drivers that qualify as senior citizens may qualify for better car insurance rates.
  • E-sign Discounts - Many insurance companies provide a small discount for completing your application on your computer.

Please keep in mind that most of the big mark downs will not be given to your bottom line cost. Some only apply to the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears you can get free auto insurance, company stockholders wouldn't be very happy. But any discount will help lower the amount you have to pay.

The information below shows the difference between Ford Escape insurance rates with and without some available policy discounts. The price estimates are based on a female driver, no violations or accidents, Texas state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, homeowner, marriage, claim-free, and multi-policy discounts applied.

To choose providers with the best discounts in Texas, click here to view.

The companies in the list below provide comparison quotes in Texas. If multiple companies are listed, it's highly recommended you visit several of them in order to find the cheapest rates.

Ford Escape insurance charts and tables

The rate table shown below covers estimates of insurance premium costs for Ford Escape models. Being aware of how policy premiums are calculated helps drivers make informed decisions.

Ford Escape Insurance Rates in Arlington, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $176 $316 $438 $26 $130 $1,086 $91
Escape XLS 4WD $176 $316 $438 $26 $130 $1,086 $91
Escape XLT 2WD $176 $316 $438 $26 $130 $1,086 $91
Escape Limited 2WD $202 $316 $438 $26 $130 $1,112 $93
Escape XLT 4WD $202 $316 $438 $26 $130 $1,112 $93
Escape Limited 4WD $202 $384 $438 $26 $130 $1,180 $98
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Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Information does not factor in specific zip code location which can lower or raise prices considerably.

Choosing deductibles

One frequently asked question is how high should the deductibles for physical damage be. The tables below show the differences in premium rates when you buy lower versus higher coverage deductibles. The first set of rates uses a $100 comprehensive and collision deductible and the second price grid uses a $500 deductible.

Ford Escape insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $286 $486 $324 $20 $96 $1,237 $103
Escape XLS 4WD $286 $486 $324 $20 $96 $1,237 $103
Escape XLT 2WD $286 $486 $324 $20 $96 $1,237 $103
Escape Limited 2WD $328 $486 $324 $20 $96 $1,279 $107
Escape XLT 4WD $328 $486 $324 $20 $96 $1,279 $107
Escape Limited 4WD $328 $592 $324 $20 $96 $1,385 $115
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Ford Escape insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $208 $328 $324 $20 $96 $976 $81
Escape XLS 4WD $208 $328 $324 $20 $96 $976 $81
Escape XLT 2WD $208 $328 $324 $20 $96 $976 $81
Escape Limited 2WD $240 $328 $324 $20 $96 $1,008 $84
Escape XLT 4WD $240 $328 $324 $20 $96 $1,008 $84
Escape Limited 4WD $240 $400 $324 $20 $96 $1,080 $90
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Rate information does not factor in specific zip code location which can decrease or increase price quotes substantially.

We can derive from the above data that using a $100 deductible could cost the average driver approximately $22 more each month or $264 each year than opting for the higher $500 deductible. Since you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you normally go more than 18 months between claims, you would probably come out ahead going with the higher deductible.

The chart below highlights how deductible choice and can increase or decrease Ford Escape insurance prices for different ages of insureds. The information is based on a married male driver, comprehensive and collision coverage, and no other discounts are factored in.

Does it make sense to buy full coverage?

The information below shows the comparison of Ford Escape yearly insurance costs when comparing full coverage to liability only. The premiums are based on no claims or driving violations, $100 deductibles, drivers are single, and no discounts are applied.

When to buy liability coverage only

There is no clear-cut rule to drop physical damage insurance, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost minus the deductible, then you might want to think about dropping full coverage.

For example, let's say your Ford Escape settlement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company will settle for is $8,000 after paying your policy deductible. If you are paying more than $800 annually for full coverage, the it may be a good time to stop paying for full coverage.

There are some cases where only buying liability is not in your best interest. If you haven't satisfied your loan, you are required to maintain full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not remove full coverage.

Good Decisions Result in Lower Insurance Rates

When buying insurance it's important to understand the different types of things that help calculate the level of your policy premiums. If you understand what influences your rates, this enables you to make decisions that could result in much lower annual insurance costs.

Liability coverage claims can be big - Liability insurance will protect you in the event that you are ruled to be at fault for damages caused by your negligence. It provides for a legal defense which can cost thousands of dollars. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.

Multi-policy discounts can save money - Many insurance companies allow a discount to insureds who buy several policies from them such as combining an auto and homeowners policy. Discounts can amount to anywhere from five to ten percent in most cases. Even though this discount sounds good, you still need to check prices from other companies to confirm you are receiving the best rates possible. Consumers may find better rates by splitting coverages up.

Claim-free discounts can add up - If you are the type of insured that files lots of claims you can look forward to higher premiums or even policy non-renewal. Insurance companies in Texas provide discounts to people who are claim-free. Your insurance policy is intended to be relied upon for claims that you cannot pay yourself.

Always keep your coverage in force - Driving without insurance coverage in place can get your license suspended and you may have a hard time finding new coverage because you let your insurance expire. In addition to paying higher rates, getting caught without coverage might get you fines or a revoked license. You may have to submit proof of financial responsibility or a SR-22 with the Texas motor vehicle department.

Does your occupation cost you more? - Careers such as military personnel, executives, and accountants are shown to have higher premiums than the average policyholder attributed to high stress levels and incredibly demanding work hours. Conversely, careers like scientists, historians and performers get better rates.

Ford Escape insurance claim data - Companies use claims history to calculate a price that offsets possible losses. Models that have a trend towards higher claim severity or frequency will have a higher cost to insure. The table below demonstrates the insurance loss data used by companies for Ford Escape vehicles.

For each insurance policy coverage type, the statistical loss for all vehicles combined as an average equals 100. Values that are under 100 represent a good loss history, while percentages above 100 indicate higher probability of having a loss or an increased chance of a larger loss.

Auto Insurance Loss Data for Ford Escape Models
Make and 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

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

Do I need an insurance agent?

Many drivers still prefer to have an agent's advice and that is just fine! Insurance agents can point out coverage gaps and help file insurance claims. One of the great benefits of comparing rates online is the fact that you can find cheap car insurance rates and still choose a local agent. Buying from local agents is especially important in Arlington.

Arlington insurance agentsTo make it easy to find an agent, after completing this quick form, your coverage information is submitted to insurance agents in Arlington who will gladly provide quotes for your insurance coverage. There is no need to find an agent since rate quotes are delivered instantly to you. If you have a need to get a comparison quote from one company in particular, don't hesitate to visit that company's website and complete a quote there.

If you are wanting to find a local Arlington insurance agent, there are two types of agencies from which to choose. Arlington agents may be either independent agents or exclusive agents. Either type can properly insure your vehicles, but it is important to understand the difference in how they write coverage because it may have an impact on your selection of an agent.

Independent Agents

Independent insurance agents can sell policies from many different companies and that allows them to write policies with an assortment of companies and help determine which has the cheapest rates. If you are not satisfied with one company, they simply move the coverage in-house and you stay with the same agent. When comparing rate quotes, you need to contact at least one independent agent to have the most options to choose from. Many write coverage with smaller mutual companies which can be an advantage.

Featured below are Arlington independent agents who may provide free price quotes.

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Exclusive Car Insurance Agencies

Agents that elect to be exclusive write business for a single company like Farmers Insurance, Allstate, or State Farm. These agents are not able to provide other company's prices so it's a take it or leave it situation. These agents are well trained in insurance sales which helps offset the inability to provide other markets. Some insured continue to buy from the same agent for years primarily because of the brand rather than low rates.

The following is a short list of exclusive insurance agents in Arlington who can help you get price quote information.

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Picking an insurance agent shouldn't rely on just a cheap price quote. Get answers to these questions too.

  • Will the company cover a rental car if your car is getting fixed?
  • Do the companies they represent have a solid financial rating?
  • What company do they have the most business with?
  • Is the coverage adequate for your vehicle?
  • Is the agency active in community causes in Arlington?
  • Are you getting all the discounts the company offers?
  • Will the agent help in case of a claim?

Auto insurance is not optional in Texas

Even though Arlington Escape insurance rates can get expensive, insuring your vehicle may not be optional for several reasons.

  • The majority of states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a minimum amount of liability coverage in order to get the vehicle licensed. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you took out a loan on your Ford, it's most likely the lender will require that you have comprehensive coverage to guarantee payment of the loan. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your Ford at an extremely high rate and force you to pay much more than you were paying before.
  • Auto insurance protects your Ford Escape and your assets. Insurance will pay for medical transport and hospital expenses incurred in an accident. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses if you are sued as the result of an accident. If your car is damaged in a storm or accident, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.

The benefits of carrying adequate insurance more than cancel out the cost, specifically if you ever have a liability claim. Despite what companies tell you, the average driver is overpaying more than $825 a year so you should quote your policy with other companies at every policy renewal to ensure rates are inline.

Arlington auto insurance companies ranked

Selecting a high-quality auto insurance company is hard considering how many companies sell coverage in Arlington. The company rank data displayed below may help you select which insurers to look at purchasing from.

Top 10 Arlington Car Insurance Companies Ranked by Value

  1. Mercury Insurance
  2. Travelers
  3. American Family
  4. AAA Insurance
  5. Safeco Insurance
  6. Progressive
  7. The Hartford
  8. The General
  9. 21st Century
  10. Esurance

Top 10 Arlington Car Insurance Companies Overall

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Quote often and quote early

Drivers switch companies for any number of reasons including extreme rates for teen drivers, being labeled a high risk driver, an unsatisfactory settlement offer or even questionable increases in premium. It doesn't matter why you want to switch finding a new company is pretty easy and you might even save some money in the process.

There are still a few companies who do not offer the ability to get quotes online and usually these regional insurance providers prefer to sell through independent agencies. Cheaper auto insurance in Arlington is possible on the web as well as from insurance agents, so you should compare both to have the best chance of lowering rates.

We just covered many tips how you can compare Ford Escape insurance premium rates in Arlington. The key thing to remember is the more providers you compare, the better chance you'll have of finding cheaper Arlington car insurance quotes. You may even be surprised to find that the most savings is with some of the lesser-known companies.

More detailed auto insurance information is available at these sites: