It’s an obvious conclusion that auto insurance companies don’t want customers comparing rates. People who compare rates once a year will probably buy a different policy because the odds are good of finding good coverage at a lower price. A recent survey revealed that consumers who routinely shopped around saved $3,400 over four years compared to drivers who never shopped around.
If saving money on Ford Escape insurance is the reason you’re here, understanding the best way to quote and compare insurance can help simplify the process.
The recommended way to find low-cost auto insurance rates is to make a habit of comparing prices annually from insurers that sell auto insurance in Oakland.
- Spend some time learning about auto insurance and the things you can change to drop your rates. Many rating criteria that result in higher prices like at-fault accidents and a substandard credit score can be amended by making minor changes in your lifestyle. Later in this article we will cover information to prevent high prices and get bigger discounts.
- Request price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can give quotes from a single company like GEICO and Allstate, while independent agents can provide rate quotes from multiple sources. View a list of agents
- Compare the new rate quotes to your existing policy to see if cheaper Escape coverage is available. If you find a better price and change companies, make sure there is no lapse in coverage.
A key point to remember is to use identical coverage information on every quote and and to get quotes from as many different companies as possible. This helps ensure a fair price comparison and a thorough price selection.
Car insurance statistics and figures
The rate information displayed next covers a range of coverage prices for Ford Escape models. Learning more about how rates are established can help drivers make smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Escape XLS 2WD | $268 | $470 | $508 | $30 | $152 | $1,428 | $119 |
| Escape XLS 4WD | $268 | $470 | $508 | $30 | $152 | $1,428 | $119 |
| Escape XLT 2WD | $268 | $470 | $508 | $30 | $152 | $1,428 | $119 |
| Escape Limited 2WD | $308 | $470 | $508 | $30 | $152 | $1,468 | $122 |
| Escape XLT 4WD | $308 | $470 | $508 | $30 | $152 | $1,468 | $122 |
| Escape Limited 4WD | $308 | $570 | $508 | $30 | $152 | $1,568 | $131 |
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Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Rate information does not factor in specific zip code location which can alter insurance rates greatly.
The illustration below demonstrates how choosing different deductibles and can change Ford Escape insurance costs for each age group. Data assumes a married female driver, full coverage, and no other discounts are factored in.
You Can Change Your Insurance Rates
Lots of things are part of the equation when pricing auto insurance. Some are obvious such as your driving history, although others are less apparent such as whether you are married or how safe your car is. One of the most helpful ways to save on car insurance is to to have a grasp of the different types of things that aid in calculating the rates you pay for car insurance. If you have a feel for what positively or negatively impacts your premiums, this allows you to make good choices that may result in better car insurance rates.
The factors shown below are a few of the things car insurance companies consider when setting your prices.
Youthful drivers cost more – More mature drivers tend to be more responsible, cause fewer claims and accidents, and usually have better credit. Youthful drivers are proven to be more careless with other occupants in the car so car insurance rates are higher.
The next chart uses these variables: single driver, full coverage with $500 deductibles, and no discounts or violations.
Avoid traffic tickets – Drivers with clean records receive lower rates than bad drivers. Having just one citation could increase your next policy renewal by as much as twenty percent. Drivers who get serious violations like reckless driving, hit and run or driving under the influence may face state-mandated requirements to file a proof of financial responsibility form (SR-22) with their state’s licensing department in order to continue driving.
The chart below highlights how traffic violations and at-fault fender-benders can drive up Ford Escape insurance prices for different ages of insureds. The premium estimates are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.
Drivers with responsible credit save – A driver’s credit rating will be a significant factor in calculating your car insurance rates. If your credit score is lower than you’d like, you could pay less to insure your Ford Escape by improving your rating. People with very good credit scores tend to be better risks to insure as compared to drivers with bad credit.
Vehicle risk impacts premiums – The make and model of the vehicle you need insurance for makes a huge difference in your auto insurance rates. The lowest rates will generally be found on smaller low performance passenger models, but there are many factors that impact the final cost.
The data below is based on a single male driver age 20, full coverage with $100 deductibles, and no discounts or violations. The data compares Ford Escape car insurance rates compared to other models that have different performances.
Your address can push rates up or down – Being located in smaller towns and rural areas of the country may provide you with better prices when talking about car insurance. Less people means a lower chance of having an accident and a lower car theft rate. City drivers have to deal with more road rage incidents and longer commute times. Higher commute times can result in more accidents.
Single drivers take more risk – Being married actually saves money compared to being single. Marriage may mean you are more mature and responsible and it’s statistically proven that married couples file fewer claims.
Stress out and pay more – Did you know your car insurance rates can be affected by your occupation? Careers such as military generals, business owners, and miners usually pay the highest rates due to intense work situations and lots of time spent away from family. On the flip side, careers like farmers, students and performers have lower than average premiums.
Loss probability for a Ford Escape – Insurance companies include the past claim trends for vehicles when they file their rates in each state. Models that the statistics show to have increased losses will cost more for specific coverages. The table below illustrates the insurance loss data used by companies for Ford Escape vehicles.
For each coverage type, the claim amount for all vehicles, as a total average, is considered to be 100. Numbers shown that are under 100 represent a good loss history, while values that are above 100 show a trend for more claims or statistically larger claims.
| 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 |
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
You can lower your auto insurance rates
In this article, we covered some good ideas how to save on Ford Escape insurance in Oakland. The most important thing to understand is the more companies you get prices for, the higher your chance of finding affordable Ford Escape insurance quotes. You may even be surprised to find that the most savings is with an unexpected company. Smaller companies can often provide lower prices in certain areas compared to the large companies like Allstate and Progressive.
Some auto insurance companies may not have online quoting and usually these regional carriers only sell through independent agencies. Cheap Ford Escape insurance in Oakland can be sourced from both online companies as well as from insurance agents, so compare prices from both to have the best chance of lowering rates.
Additional information is available below:
- All About Airbag Safety (State Farm)
- What Insurance is Cheapest for First-time Drivers in Oakland? (FAQ)
- Who Has Affordable Oakland Car Insurance for a Toyota Corolla? (FAQ)
- How Much is Oakland Car Insurance for 18 Year Olds? (FAQ)
- What Car Insurance is Cheapest for a Honda Civic in Oakland? (FAQ)
- Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
- Where can I buy Insurance? (Insurance Information Institute)
- Rollover Crash FAQ (iihs.org)
- Teen Driver Statistics (Insurance Information Institute)