Best Ways to Save on Scottsdale Ford Escape Insurance

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Discount Ford Escape insuranceTo save the most money, the best way to find cheaper auto insurance rates is to start comparing rates regularly from companies in Scottsdale.

Step 1: Get an understanding of coverages and the steps you can take to prevent high rates. Many rating factors that cause high rates like tickets, at-fault accidents, and your credit history can be remedied by being financially responsible and driving safely.

Step 2: Compare prices from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can give quotes from a single company like GEICO and State Farm, while independent agents can quote prices for a wide range of companies.

Step 3: Compare the new rates to your existing policy to see if you can save by switching companies. If you can save some money and change companies, make sure there is no coverage gap between policies.

Step 4: Provide adequate notice to your current company of your intention to cancel the current policy. Submit the signed application along with the required initial payment for the new coverage. When you receive it, keep the new certificate verifying proof of insurance in an easily accessible location.

A key point to remember is that you use the same amount of coverage on every quote request and and to get quotes from as many companies as feasibly possible. Doing this provides a fair price comparison and the best price selection.

It's a fact that auto insurance companies want to keep you from comparing prices. Drivers who get comparison quotes once a year are inclined to buy a different policy because there is a great chance of finding a policy with more affordable rates. A recent survey found that consumers who regularly compared price quotes saved about $3,500 over four years compared to drivers who don't regularly compare prices.

If finding the cheapest price for auto insurance in Scottsdale is your intention, understanding the best way to quote and compare insurance coverage can save time and make the process easier.

Finding low cost car insurance prices is a fairly straight forward process. All that's required is to take a couple of minutes comparing rate quotes online from several insurance companies.

Getting free rate quotes online is quite simple, and it makes it obsolete to spend time driving to and from local Scottsdale insurance agencies. Comparing Ford Escape insurance rate quotes online reduces the need to sit down with an agent unless you require the professional advice that can only be provided by a licensed insurance agent. It is possible to get prices online but still have the advice of a local agent.

The providers in the list below can provide price comparisons in Scottsdale, AZ. To get the best cheap car insurance in Scottsdale, AZ, it's highly recommended you click on several of them in order to find the most affordable rates.

Ford Escape insurance statistics and information

The rate table displayed next covers a range of rate quotes for Ford Escape models. Having a good grasp of how insurance policy rates are calculated can assist in making informed decisions when comparing rate quotes.

Ford Escape Insurance Rates in Scottsdale, AZ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $98 $172 $244 $14 $74 $602 $50
Escape XLS 4WD $98 $172 $244 $14 $74 $602 $50
Escape XLT 2WD $98 $172 $244 $14 $74 $602 $50
Escape Limited 2WD $112 $172 $244 $14 $74 $616 $51
Escape XLT 4WD $112 $172 $244 $14 $74 $616 $51
Escape Limited 4WD $112 $208 $244 $14 $74 $652 $54
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Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Prices do not factor in vehicle location which can affect prices noticeably.

Where to set your deductibles

One of the more difficult decisions when buying car insurance is the level to set your comp and collision deductibles. The premium rates below lay out the differences in premium rates between low and high comp and collision deductibles. The first rate table uses a $100 physical damage deductible and the second price grid uses a $1,000 deductible.

Ford Escape insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $224 $382 $254 $16 $76 $977 $81
Escape XLS 4WD $224 $382 $254 $16 $76 $977 $81
Escape XLT 2WD $224 $382 $254 $16 $76 $977 $81
Escape Limited 2WD $258 $382 $254 $16 $76 $1,011 $84
Escape XLT 4WD $258 $382 $254 $16 $76 $1,011 $84
Escape Limited 4WD $258 $466 $254 $16 $76 $1,095 $91
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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
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Estimates do not factor in garaging location in Scottsdale which can decrease or increase premium rates greatly.

Using the data above, we can ascertain that using a $100 deductible will cost you about $26 more each month or $312 each year across all Ford Escape models than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to go more than 35 months between claim filings, you would most likely save money if you elect the higher deductible.

The diagram below shows how different deductible levels and can influence Ford Escape insurance costs for each age group. The premium estimates are based on a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Full coverage rates compared to liability-only

The illustration below visualizes the comparison of Ford Escape car insurance costs when comparing full coverage to liability only. The data assumes no tickets, no at-fault accidents, $250 deductibles, single status, and no policy discounts are applied.

Guidelines for dropping full coverage

There is no written rule to eliminate physical damage insurance, but there is a general guideline. If the annual cost of coverage is more than around 10% of replacement cost minus your deductible, then it may be the right time to buy liability only.

For example, let's say your Ford Escape book value is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would get paid by your company is $2,000 after paying your policy deductible. If it's costing in excess of $200 a year to have full coverage, then it could be time to drop full coverage.

There are some conditions where dropping full coverage is not in your best interest. If you still have a lienholder on your title, you have to keep full coverage to protect the lienholder's interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not eliminate full coverage.

Auto insurance protects more than just your car

Despite the fact that auto insurance is not cheap in Scottsdale, insurance may be required and benefits you in several ways.

First, almost all states have minimum liability requirements which means the state requires specific limits of liability insurance coverage in order to drive the car legally. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you took out a loan on your car, more than likely the lender will make it a condition of the loan that you buy insurance to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the bank will be required to insure your Ford for a lot more money and require you to reimburse them for it.

Third, auto insurance preserves not only your Ford but also your assets. It will also provide coverage for medical bills for you, your passengers, and anyone else injured in an accident. Liability insurance, one of your policy coverages, will also pay to defend you if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, comprehensive and collision coverage will pay to restore your vehicle to like-new condition.

The benefits of carrying adequate insurance more than offset the price you pay, especially when you need to use it. Despite what companies tell you, the average driver is overpaying over $865 each year so compare rates at every renewal to make sure the price is not too high.

Find Ford Escape Insurance Cheaper

Lots of things are used in the calculation when you get a price on insurance. Some factors are common sense like an MVR report, but other factors are less apparent such as whether you are married or your vehicle rating.

  • Never go without auto insurance - Driving with no insurance is illegal and any future policy may cost more because you let your insurance lapse. And not only will insurance be more expensive, not being able to provide proof of insurance can result in a hefty fine and possibly a revoked license.
  • Multi-policy discounts can save money - Some insurers provide better rates to policyholders that buy multiple policies such as combining an auto and homeowners policy. The discount can be anywhere from five to ten percent in most cases. If you currently are using one company, it's always a smart idea to compare other company rates to ensure the best deal. It's possible to still save even more by buying from different companies
  • Amount of liability coverage - Liability coverage will protect you if a court rules you are at fault for personal injury or accident damage. Liability insurance provides you with a defense in court which can cost a lot. Liability insurance is pretty cheap compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Costs are impacted by vehicle performance - The type of car you need to insure makes a substantial difference in your rates. The lowest rates are usually for lower cost passenger cars, but that's not the only thing that factors into the final price.

    The following data uses these variables: single male driver age 50, full coverage with $100 deductibles, and no discounts or violations. It shows Ford Escape car insurance rates compared to other models of vehicles that have a range of performance risks.

  • Avoid traffic tickets - Whether or not you get tickets influences premium rates substantially. Drivers with clean records get better rates than people who have multiple driving citations. Getting just one moving violation may increase your cost by as much as thirty percent. Drivers who have received serious violations such as reckless driving, hit and run or driving under the influence may need to complete a SR-22 with their state's licensing department in order to legally drive a vehicle.

    The diagram below illustrates how violations and accidents can increase Ford Escape insurance prices for different age groups. The premiums assume a married female driver, comprehensive and collision coverage, $100 deductibles, and no additional discounts are factored in.

  • Your location is important - Choosing to live in less populated areas of the country may provide you with better prices if you are looking for the lowest rates. Fewer drivers corresponds to lower accident rates in addition to fewer liability claims. Drivers in populated Arizona areas have more auto accidents and much longer commute distances. Spending more time driving means higher likelihood of an accident.
  • Lower rates come with age - Inexperience drivers are proven to be inattentive when driving with friends and because of this, their auto insurance rates are much higher. Older people have been proven to be more responsible, tend to file fewer claims, and are safer drivers.

    The next chart is based on a single driver, full coverage with $100 deductibles, and no discounts or violations.

  • Save by driving less - Driving a lot of miles in a year the more it will cost to insure it. The majority of insurers charge rates partially by how you use the vehicle. Cars used primarily for pleasure use receive lower rates compared to those used for work or business. An improperly rated Escape can result in significantly higher rates. Verify your vehicle rating correctly shows the right rating data.
  • Ford Escape insurance loss probability - Insurance companies use claims history to help calculate a profitable premium rate. Models that the statistics show to have higher losses will cost more for specific coverages. The table below shows the historical loss data for Ford Escape vehicles.

    For each coverage type, the statistical loss for all vehicles averaged together is equal to 100. Values that are below 100 suggest losses that are better than average, while values that are 100 or greater point to more frequent losses or a tendency for claims to be larger.

    Ford Escape Insurance Claim Statistics
    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

Insurance discounts are available to cut your rates

Companies offering auto insurance don't necessarily list every policy discount in a way that's easy to find, so the list below gives a summary of some of the more common and also the more inconspicuous credits available to bring down your rates.Cheaper insurance with discounts

  • Discount for Low Mileage - Driving fewer miles could qualify for lower prices on the low mileage vehicles.
  • Early Payment Discounts - If you pay your entire premium ahead of time rather than paying in monthly installments you can avoid the installment charge.
  • No Accidents - Drivers with accident-free driving histories have much lower rates as opposed to drivers who are more careless.
  • Discount for Life Insurance - Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase a life policy as well.
  • Theft Deterrent System - Vehicles that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Multiple Vehicles - Buying insurance for multiple vehicles on one policy may reduce the rate for each vehicle.
  • Military Rewards - Having an actively deployed family member could qualify you for better premium rates.
  • Switch and Save Discount - A few insurance companies offer discounts for buying a new policy prior to your current Escape insurance policy expiration. You can save around 10% with this discount.
  • Anti-lock Brake Discount - Cars and trucks with ABS and/or traction control prevent accidents and will save you 10% or more on Escape insurance in Scottsdale.
  • Defensive Driver Discounts - Passing a class that teaches driver safety techniques could possibly earn you a 5% discount and easily pay for the cost of the class.

As a disclaimer on discounts, some credits don't apply to your bottom line cost. Most cut individual premiums such as liability, collision or medical payments. Even though it may seem like you can get free auto insurance, you aren't that lucky.

The information below visualizes the comparison of Ford Escape auto insurance costs with and without discounts. The information is based on a male driver, no claims or violations, Arizona state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, homeowner, marriage, multi-policy, and safe-driver discounts applied.

The best insurance companies and a selection of discounts can be found below.

  • AAA includes discounts for education and occupation, multi-car, multi-policy, AAA membership discount, and anti-theft.
  • Progressive may include discounts for online signing, multi-vehicle, homeowner, online quote discount, multi-policy, continuous coverage, and good student.
  • State Farm has discounts for Drive Safe & Save, student away at school, accident-free, multiple autos, defensive driving training, and good student.
  • Esurance may have discounts that include DriveSense, homeowner, emergency road assistance, online shopper, claim free, Pac-12 alumni, and defensive driver.
  • Nationwide offers discounts including accident-free, business or organization, multi-policy, easy pay, Farm Bureau membership, and defensive driving.

If you need cheaper Scottsdale car insurance quotes, ask each company or agent which discounts they offer. Some discounts listed above might not be available to policyholders in Scottsdale. To view providers with significant discounts in Arizona, follow this link.

Special considerations

When quoting and comparing the best auto insurance coverage, there is no one-size-fits-all type of policy. Your situation is unique so this has to be addressed.Higher deductibles save money These are some specific questions may help you determine whether your personal situation may require specific advice.

  • What should my uninsured motorist coverage limits be in Arizona?
  • What discounts do I qualify for?
  • What is glass protection for?
  • Which companies are cheaper for teen drivers?
  • What companies insure drivers after a DUI or DWI?
  • How much will a speeding ticket raise my rates?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my son or daughter covered when driving my car?
  • Why are teen drivers so expensive to add on to my policy?

If you can't answer these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It's fast, doesn't cost anything and you can get the answers you need.

When should I contact a local insurance agent?

Certain consumers still like to get advice from a local agent and there is nothing wrong with that. Insurance agents are highly skilled in risk management and give you someone to call. One of the great benefits of price shopping on the web is the fact that drivers can get lower rates but still work with a licensed agent.

Insurance agency in ScottsdaleFor easy comparison, once you complete this form (opens in new window), the coverage information is submitted to companies in Scottsdale who will return price quotes for your insurance coverage. You won't need to visit any agencies since rate quotes are delivered to your email. In the event you want to get a price quote for a specific company, feel free to go to their quote page and submit a quote form there.

Choosing the best provider should depend on more than just the bottom line cost. Any good agent in Scottsdale should know the answers to these questions.

  • Will you get a loaner vehicle if you car is being repaired?
  • How does the company pay claims for a total loss?
  • How much experience to they have in personal lines coverages?
  • Do they regularly work with personal auto policies in Scottsdale?
  • Where would your vehicle be repaired?
  • Does the agency have a positive business rating?

Listed below are Scottsdale car insurance companies that may be willing to give price quote information for Ford Escape insurance in Scottsdale.

Scott Holly - State Farm Insurance Agent
4014 N Goldwater Blvd Ste 202 - Scottsdale, AZ 85251 - (480) 949-7204 - View Map

6320 E Thomas Rd #303 - Scottsdale, AZ 85251 - (480) 900-8010 - View Map

2918 N 67th Pl - Scottsdale, AZ 85251 - (480) 348-2200 - View Map

8040 E Morgan Trail #5A - Scottsdale, AZ 85258 - (480) 998-4014 - View Map

View more agents

After receiving answers to your satisfaction to any questions you have in addition to an acceptable price estimate, you may have found an insurance company that meets the requirements to insure your vehicles.

Cheaper car insurance rates are out there

Cheaper car insurance in Scottsdale can be sourced on the web and from local agencies, and you need to price shop both to have the best rate selection. Some companies don't offer online rate quotes and most of the time these small, regional companies only sell through local independent agents.

You just read a lot of ways to get a better price on Ford Escape insurance in Scottsdale. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the lowest premium rates come from a smaller regional carrier. Some small companies may only write in your state and offer lower prices than the large multi-state companies such as Progressive and GEICO.

As you quote Scottsdale car insurance, it's a bad idea to reduce coverage to reduce premium. There have been many situations where an accident victim reduced physical damage coverage only to regret that the savings was not a smart move. Your focus should be to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

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