Cheap Insurance for a Ford Escape in San Antonio

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How many times have you put off comparing quotes for more competitive Ford Escape insurance in San Antonio? Finding low cost rates on Ford Escape insurance in San Antonio could be slightly frustrating for drivers who have little experience comparison shopping online. Consumers have so many agents and companies to choose from that it can quickly become a chore to compare rates on Ford Escape insurance.

Insurance quote for Ford Escape in San AntonioWe don't have to point out that fact that auto insurance companies don't want you to look for a cheaper policy. Drivers who shop around once a year will presumably switch to a new company because there is a good chance of finding good coverage at a lower price. A study showed that drivers who regularly shopped around saved as much as $850 each year compared to policyholders who never compared prices.

If finding discount rates on insurance is your objective, then knowing how to compare coverages can save time, money, and frustration.

It's a great practice to do rate comparisons as often as possible because prices are variable and change quite frequently. Just because you had the best quotes on Ford Escape insurance in San Antonio last year other companies may now be cheaper. There is too much inaccurate information about Escape insurance online but in just a couple of minutes you can learn a bunch of ideas how to put money back in your pocket.

Lower rates by qualifying for discounts

Insurance can be prohibitively expensive, but you may be missing some discounts to help offset the cost. Many discounts should be triggered when you quote, but a few must be manually applied in order for you to get them.

  • Anti-theft Discount - Vehicles optioned with advanced anti-theft systems have a lower chance of being stolen and therefore earn up to a 10% discount.
  • No Accidents - Good drivers with no accidents get the best insurance rates compared to policyholders that have many claims.
  • Anti-lock Brake System - Cars equipped with ABS or steering control are safer to drive and the ABS can save up to 10%.
  • Distant College Student Discount - Any of your kids who are enrolled in higher education away from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Good Driver Discount - Drivers without accidents could pay up to 40% less than drivers with accidents.
  • Discount for New Cars - Buying a new car instead of a used Escape can be considerably cheaper due to better safety requirements for new vehicles.
  • Mature Driver Discount - Mature drivers could receive reduced rates.

While discounts sound great, it's important to understand that some of the credits will not apply to the entire policy premium. Some only apply to specific coverage prices like collision or personal injury protection. Even though the math looks like you can get free auto insurance, insurance companies aren't that generous.

The illustration below illustrates the comparison of Ford Escape annual premium costs with and without discounts applied to the rates. The information is based on a male driver, no accidents or driving violations, Texas state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, safe-driver, homeowner, marriage, and claim-free discounts applied.

Companies and some of their more popular discounts are detailed below.

  • State Farm may include discounts for accident-free, defensive driving training, driver's education, passive restraint, good driver, and Steer Clear safe driver discount.
  • Esurance has savings for multi-car, anti-theft, Switch & Save, emergency road assistance, online shopper, and homeowner.
  • Progressive offers discounts for online quote discount, multi-vehicle, homeowner, online signing, multi-policy, and continuous coverage.
  • Liberty Mutual policyholders can earn discounts including preferred payment discount, new move discount, safety features, multi-car, teen driver discount, and newly married.
  • Auto-Owners Insurance discounts include anti-lock brakes, safe driver, multi-policy, company car, and multiple vehicles.
  • GEICO may offer discounts for seat belt use, defensive driver, federal employee, military active duty, anti-theft, good student, and daytime running lights.

When quoting, ask each company or agent to give you their best rates. Savings may not apply to policyholders in San Antonio. To choose providers that can offer you the previously mentioned discounts in Texas, click this link.

When comparing car insurance rates, know that obtaining a wide range of quotes increases your odds of finding more affordable insurance. Some regional insurers cannot provide rate quotes online, so it's necessary to compare prices from the smaller companies as well.

The following companies offer free quotes in San Antonio, TX. If multiple providers are shown, it's highly recommended you get prices from several of them to get the cheapest price.

Ford Escape detailed coverage information

The coverage table displayed below outlines different coverage prices for Ford Escape models. Having a good grasp of how insurance rates are formulated can benefit drivers when making decisions on which insurance to purchase.

Ford Escape Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $144 $236 $334 $20 $100 $834 $70
Escape XLS 4WD $144 $236 $334 $20 $100 $834 $70
Escape XLT 2WD $144 $236 $334 $20 $100 $834 $70
Escape Limited 2WD $166 $236 $334 $20 $100 $856 $71
Escape XLT 4WD $166 $236 $334 $20 $100 $856 $71
Escape Limited 4WD $166 $288 $334 $20 $100 $908 $76
Get Your Own Custom Quote Go

Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rate information does not factor in the specific area where the vehicle is garaged which can revise coverage rates greatly.

Where to set your deductibles

One of the most common car insurance questions is at what level do you set your deductibles. The comparison tables below summarize the rate fluctuation between low and high physical damage deductibles. The first rate estimation uses a $100 deductible for comp and collision and the second price chart uses a $500 deductible.

Ford Escape insurance 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
Get Your Own Custom Quote Go
Ford Escape insurance 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
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Table data does not factor in specific zip code location which can modify premiums significantly.

Using the premium rates above, we can conclude that using a $100 deductible will cost you approximately $22 more each month or $264 annually than requesting the higher $500 deductible. Since the policyholder would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you normally average at a minimum 18 months between claim filings, you would save money if you choose the higher deductible.

The information below demonstrates how choosing different deductibles and can increase or decrease Ford Escape insurance prices for different categories of driver ages. The premium estimates are based on a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Car insurance premiums based on gender

The diagram below shows the comparison of Ford Escape premium costs for male and female drivers. The premiums are based on no claims, a clean driving record, comprehensive and collision coverage, $100 deductibles, drivers are single, and no discounts are taken into consideration.

Should you buy full coverage?

The chart below illustrates the comparison of Ford Escape insurance prices with full physical damage coverage compared to only buying liability only. The premiums assume no tickets, no at-fault accidents, $500 deductibles, marital status is single, and no discounts are applied to the premium.

When to eliminate full coverage

There is no exact rule of when to exclude physical damage coverage, but there is a broad guideline. If the annual cost of coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

For example, let's say your Ford Escape replacement cost is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, you would only receive $8,000 after paying your policy deductible. If you are paying in excess of $800 a year to have full coverage, then it may be the right time to buy liability only.

There are some circumstances where removing full coverage is not a good idea. If you still have a lienholder on your title, you have to keep full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.

Ford Escape Insurance Premiums Can Be More Affordable

Many factors are part of the equation when you get your auto insurance bill. A few of the factors are predictable such as your driving history, although others are more obscure like your continuous coverage or how safe your car is.

Low deductibles cost more - Physical damage coverage, also called 'full coverage', insures against damage to your Ford. Examples of covered claims are collision with another vehicle, hitting a deer, and burglary. Your deductibles state the amount of money you are required to pay if a covered claim is submitted. The more money you're willing to pay, the bigger discount you will receive.

Cautious drivers pay less - Whether or not you get tickets has a huge affect on how much you pay. Good drivers pay less for auto insurance than their less careful counterparts. Only having one speeding ticket or other violation may increase your cost forty percent or more. Drivers who have received careless violations like DUI or willful reckless driving may be required to maintain a SR-22 to the state department of motor vehicles in order to prevent a license revocation.

The diagram below illustrates how traffic citations and at-fault accidents increase Ford Escape annual premium costs for different age categories. The costs are based on a single male driver, comp and collision included, $250 deductibles, and no policy discounts are applied.

Discounts for married couples - Getting married may earn you lower rates when shopping for auto insurance. Marriage translates into being more stable financially it has been statistically shown that married drivers get in fewer accidents.

How old are your drivers? - Older drivers are shown to be more cautious, cause fewer claims and accidents, and usually have better credit. Youthful drivers are statistically proven to get distracted easily when driving so auto insurance rates are higher.

The data below uses these assumptions: single driver, full coverage with $1000 deductibles, and no discounts or violations.

Compare rates if you bundle your policies - Lots of insurers afford lower prices to insureds that buy multiple policies, otherwise known as a multi-policy discount. Discounts can be ten percent or more. Even with this discount applied, you still need to comparison shop to verify if the discount is saving money.There is a chance you can save even more by splitting coverages up.

Alarms and GPS tracking systems cut prices - Selecting a car model with a theft deterrent system can save you some money. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent car theft and help bring rates down.

Ford Escape statistical loss data - Companies analyze historical claim data when determining insurance costs. Models that are shown to have increased losses will have higher premium rates. The table below demonstrates the historical loss data for Ford Escape vehicles.

For each insurance policy coverage type, the claim probability for all vehicles, as a total average, is considered to be 100. Percentage values below 100 mean the vehicle has better than average losses, while percentage values above 100 point to more frequent losses or an increased likelihood of larger losses.

Ford Escape Insurance Claim Statistics
Specific Ford 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

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Which policy gives me the best coverage?

When buying adequate coverage, there really is no one size fits all plan. Every insured's situation is different so your insurance should reflect that For example, these questions can aid in determining if you might need professional guidance.

  • How much liability coverage do I need in Texas?
  • Should I have combined single limit or split liability limits?
  • Are my tools covered if they get stolen from my vehicle?
  • Will I lose any money if I cancel my policy before it expires?
  • What if a claim settlement is too low?
  • Am I covered by my spouse's policy after a separation?
  • Are my friends covered when driving my Ford Escape?
  • Should I put collision coverage on all my vehicles?
  • Is rental equipment covered for theft or damage?
  • Is pet coverage available?

If you don't know the answers to these questions then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Insurance agencies can help

Many drivers prefer to talk to an insurance agent and doing so can bring peace of mind A nice benefit of price shopping on the web is you can get the lowest rates and still choose a local agent. Buying insurance from neighborhood agents is important especially in San Antonio.

To make it easy to find an agent, after completing this quick form, the coverage information is emailed to local insurance agents who will return price quotes for your coverage. It's much easier because you don't need to contact any insurance agencies since price quotes are sent instantly to you. You can most likely find cheaper rates without the usual hassles of price shopping. In the event you want to get a rate quote from a particular provider, you would need to visit that company's website and give them your coverage information.

When finding a reliable insurance agent, there are a couple of types of agencies that differ in how they can insure your vehicles. Insurance agencies are either independent agents or exclusive agents.

Independent Insurance Agents

These agents often have many company appointments so as a result can place your coverage with a variety of different insurance companies and find the cheapest rate. If you want to switch companies, they simply move the coverage in-house and that require little work on your part.

When searching for an agent, you will want to compare quotes from independent agents to ensure the widest selection of prices. Many independent agencies also insure through companies that do not advertise much which may provide better rates.

Listed below is a small list of independent insurance agencies in San Antonio who can help you get competitive price quotes.

View more San Antonio agents

Exclusive Insurance Agencies

Exclusive insurance agents normally can only provide a single company's rates such as American Family, State Farm, and AAA. These agents are not able to provide prices from multiple companies so they really need to provide good service. Exclusive insurance agents are very knowledgeable on what they offer which helps them compete with independent agents. Many people use the same agent mainly due to the brand legacy and the convenience of having a single billing for all their coverages.

Below are exclusive agencies in San Antonio who can help you get comparison quotes.

View more San Antonio agents

Deciding on a auto insurance agent is decision based upon more than just a cheap price quote. The questions below may impact your decision as well.

  • How much experience to they have in personal lines coverages?
  • Does the agency have a current Errors and Omissions policy?
  • Does the company allow you to choose your own collision repair facility?
  • If you are a high risk driver, do they have special markets for your coverage?
  • What are the financial ratings for the companies they represent?

Car insurance protects more than just your car

Even though it's not necessarily cheap to insure a Ford in San Antonio, car insurance is required in Texas but it also protects you in many ways.

  • Just about all states have minimum liability requirements which means the state requires a minimum amount of liability protection 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 bought your Escape with a loan, most lenders will make it mandatory that you have physical damage coverage to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the lender will be forced to insure your Ford at a much higher premium rate and force you to reimburse them the higher premium.
  • Insurance protects both your car and your assets. Insurance will also pay for all forms of medical expenses for you, any passengers, and anyone injured in an accident. Liability coverage also pays expenses related to your legal defense if you are sued as the result of an accident. If your Ford gets damaged, collision and comprehensive coverages will cover the repair costs.

The benefits of having car insurance greatly outweigh the cost, particularly when you have a large claim. According to a survey of 1,000 drivers, the average driver overpays as much as $850 per year so it's important to compare rates at every renewal to ensure rates are competitive.

Cheap insurance rates are out there

Cheaper Ford Escape insurance in San Antonio can be purchased on the web and also from your neighborhood San Antonio agents, so you need to quote San Antonio auto insurance with both so you have a total pricing picture. There are still a few companies who don't offer online rate quotes and most of the time these regional carriers only sell through independent insurance agents.

Throughout this article, we presented a lot of tips how to reduce Ford Escape insurance premium rates online in San Antonio. The key thing to remember is the more providers you compare, the better your chances of lowering your prices. You may even be surprised to find that the most savings is with a small mutual company. These companies may often insure only within specific states and give better rates than the large multi-state companies such as Allstate or State Farm.

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