Best Ways to Save on El Paso Ford Escape Insurance

Insurance rates Ford Escape in El PasoThe recommended way to get the cheapest auto insurance rates is to make a habit of comparing prices annually from insurers who can sell car insurance in El Paso.

One piece of advice is that you’ll want to make sure you compare similar deductibles and liability limits on each quote request and to quote with as many companies as you can. Doing this helps ensure the most accurate price comparison and many rates to choose from.

It’s an obvious assumption that auto insurance companies want to keep your business as long as possible. Insureds who compare other prices are very likely to move their business because they stand a good chance of finding better rates. Surprisingly, a recent survey revealed that people who compared rates regularly saved $860 a year compared to other drivers who never compared other company’s rates.

If finding the lowest price for insurance is your ultimate target, understanding how to find companies and compare coverage rates can help you succeed in saving money.

If you have coverage now or need new coverage, follow these tips to shop for the lowest rates and possibly find even better coverage. Buying the cheapest car insurance in El Paso seems hard but is not really that difficult. Comparison shoppers just have to understand the tricks to get comparison quotes on the web.

Best companies for Ford Escape insurance

The companies shown below can provide free rate quotes in El Paso, TX. If multiple providers are shown, it’s a good idea that you visit two to three different companies to get the most competitive price.

Ford Escape coverage statistics

The rate information below showcases different insurance premium costs for Ford Escape models. Having insight into how car insurance premiums are figured can help customers make smart choices when comparing insurance rates.

Ford Escape Insurance Rates in El Paso, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $246 $460 $422 $24 $126 $1,278 $107
Escape XLS 4WD $246 $460 $422 $24 $126 $1,278 $107
Escape XLT 2WD $246 $460 $422 $24 $126 $1,278 $107
Escape Limited 2WD $282 $460 $422 $24 $126 $1,314 $110
Escape XLT 4WD $282 $460 $422 $24 $126 $1,314 $110
Escape Limited 4WD $282 $560 $422 $24 $126 $1,414 $118
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Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Premium amounts do not factor in specific location information which can influence prices greatly.

The chart below demonstrates how choosing different deductibles and can influence Ford Escape yearly insurance costs for different age groups of insureds. The premium estimates are based on a married female driver, comp and collision included, and no discounts are taken into consideration.

Rate comparison of full coverage and liability-only

The chart below shows the comparison of Ford Escape auto insurance rates with and without physical damage coverage. The premiums assume no tickets, no at-fault accidents, $250 deductibles, single status, and no discounts are applied.

Guidelines for dropping full coverage

There is no clear-cut formula of when to eliminate physical damage coverage on your policy, but there is a general school of thought. If the annual cost of coverage is more than around 10% of replacement cost minus your deductible, then it could be time to drop full coverage.

For example, let’s assume your Ford Escape settlement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, you would only receive $6,000 after the deductible is paid. If it’s costing you more than $600 a year for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.

There are some scenarios where eliminating full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should keep full coverage in place.

Don’t neglect these discounts

Some companies don’t always advertise all their discounts very clearly, so the list below gives a summary of some of the more common as well as the least known discounts that may be available.Cheaper car insurance with discounts

Consumers should know that most of the big mark downs will not be given to the entire policy premium. A few only apply to the cost of specific coverages such as comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, car insurance companies aren’t that generous.

The diagram below visualizes the comparison of Ford Escape auto insurance rates with and without discounts applied to the policy premium. The rate quotes are based on a female driver, no violations or claims, 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 marriage, safe-driver, homeowner, claim-free, multi-car, and multi-policy discounts applied.

Large car insurance companies and some of the discounts are included below.

If you need lower rates, check with each insurance company which discounts can lower your rates. Depending on the company, some discounts might not be offered in your state. To locate car insurance companies with the best Ford Escape insurance discounts in El Paso, click here.

Buy Ford Escape Insurance for Less

Smart consumers have a good feel for the factors that play a part in calculating your policy premiums. If you understand what influences your rates, this empowers consumers to make smart changes that can help you get much lower annual insurance costs. Lots of things are taken into consideration when you quote your car insurance policy. Some factors are common sense such as traffic violations, but other criteria are less obvious like your continuous coverage or your vehicle rating.

Different people need different car insurance coverages

When it comes to buying the best car insurance coverage, there isn’t really a “perfect” insurance plan. Your needs are unique to you.Drive safe and save

For instance, these questions may help highlight if your insurance needs might need an agent’s assistance.

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and may give you better protection.

Compare rate quotes but work with a neighborhood El Paso auto insurance agent

Some consumers still like to talk to an insurance agent and that is OK! Experienced insurance agents are very good at helping people manage risk and give you someone to call. One of the best bonuses of comparing rates online is you can get lower rates and still buy from a local agent.

Insurance agents in El PasoFor easy comparison, once you complete this form (opens in new window), the quote information is emailed to local insurance agents in El Paso who will return price quotes for your insurance coverage. It makes it easy because there is no need to even leave your home because quoted prices will be sent directly to you. If you have a need to get a comparison quote from a specific company, feel free to jump over to their website and fill out their quote form.

Finding the right insurer needs to be determined by more than just a cheap quote. These are some questions you should get answers to.

Independent or Exclusive: It’s your choice

If you would like to find a local agent, you must know there are a couple types of agencies and how they can service your needs differently. Insurance agencies can be classified as either independent agents or exclusive agents. Either can write policy coverage, but it is a good idea to know why they differ because it may have an impact on which type of agent you select.

Exclusive Agencies

Agents that choose to be exclusive have only one company to place business with and examples are State Farm or Allstate. Exclusive agents cannot compare other company’s rates so keep that in mind. Exclusive agents are well schooled on their company’s products which helps them sell insurance even at higher premiums.

The following are El Paso exclusive insurance agencies who can help you get rate quotes.

3500 N Mesa St gEl Paso, TX 79902(915) 532-1456View Map

6065 Montana Ave STE C1El Paso, TX 79925(915) 775-2553View Map

4309 Fred Wilson Ave aEl Paso, TX 79904(915) 313-4070View Map

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Independent Insurance Agents

Agents that elect to be independent are not employed by one company and that enables them to quote your coverage with any number of different companies and find the cheapest rate. If premiums increase, they simply switch companies in-house and you don’t have to find a new agent. When shopping rates, you will definitely want to contact a few independent agents to get the best comparison.

Below are El Paso independent agents that are able to give comparison quotes.

1132 Geronimo DrEl Paso, TX 79925(915) 772-1406View Map

210 Thunderbird Dr tEl Paso, TX 79912(915) 584-5480View Map

1760 Airway BlvdEl Paso, TX 79925(915) 771-8552View Map

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Smart shoppers get results

In this article, we covered a lot of techniques to save on Ford Escape insurance in El Paso. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding the cheapest Ford Escape rate quotes. Consumers may even find the best car insurance rates are with some of the smallest insurance companies.

Some companies may not provide price quotes online and these small insurance companies provide coverage only through independent agencies. Cheaper auto insurance in El Paso can be found from both online companies as well as from independent agents in El Paso, and you should be comparing both to have the best chance of lowering rates.

When you buy El Paso car insurance online, don’t be tempted to skimp on coverage in order to save money. There are a lot of situations where consumers will sacrifice liability limits or collision coverage only to regret at claim time they didn’t purchase enough coverage. The aim is to buy a smart amount of coverage at a price you can afford, but do not skimp to save money.

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