Best Ways to Save on Scottsdale Ford Escape Insurance

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.

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

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.

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.

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.

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 202Scottsdale, AZ 85251(480) 949-7204View Map

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

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

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

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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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