Save Money on Ford Escape Insurance in Fort Worth

Insurance rates Ford Escape in Fort WorthIt’s shocking but over 70% of consumers have remained with the same insurance company for over three years, and nearly the majority have never even compared rates from other companies. With the average insurance premium being $1,847, American drivers could save as much as 47% each year just by shopping around, but most tend to underestimate the amount of money they would save if they changed companies.

The preferred way to find affordable quotes for Ford Escape insurance is to regularly compare price quotes from companies in Fort Worth.

A key point to remember is to try to use the same amount of coverage on every quote and to quote with as many carriers as you can. Doing this ensures an apples-to-apples comparison and maximum price selection.

Low Cost Ford insurance prices in Fort Worth

The companies shown below provide free rate quotes in Fort Worth, TX. If several companies are displayed, it’s a good idea that you visit several of them in order to get a fair rate comparison.

Ford Escape coverage analysis

The coverage information shown below covers a range of insurance costs for Ford Escape models. Knowing how auto insurance prices are figured is important for you to make informed coverage decisions.

Ford Escape Insurance Rates in Fort Worth, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $318 $598 $438 $26 $130 $1,510 $126
Escape XLS 4WD $318 $598 $438 $26 $130 $1,510 $126
Escape XLT 2WD $318 $598 $438 $26 $130 $1,510 $126
Escape Limited 2WD $364 $598 $438 $26 $130 $1,556 $130
Escape XLT 4WD $364 $598 $438 $26 $130 $1,556 $130
Escape Limited 4WD $364 $728 $438 $26 $130 $1,686 $141
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Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Information does not factor in specific location information which can raise or lower coverage prices noticeably.

Premiums by gender and age

The illustration below shows the comparison of Ford Escape car insurance costs for male and female drivers. The costs are based on no violations or claims, full coverage, $1,000 deductibles, drivers are single, and no other discounts are factored in.

Ford Escape full coverage rates compared to liability only

The chart below illustrates the comparison of Ford Escape insurance premiums with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The prices are based on no claims, a clean driving record, $500 deductibles, drivers are single, and no discounts are taken into consideration.

Should you be buying full coverage?

There is no clear-cut formula to stop buying full coverage, but there is a general school of thought. If the annual cost of coverage is 10% or more of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.

For example, let’s say your Ford Escape replacement cost is $8,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company would pay you is $7,000 after you pay the deductible. If you are paying more than $700 annually for full coverage, then it might be time to consider dropping full coverage.

There are some cases where dropping physical damage coverage is not recommended. If you haven’t paid off your loan, you are required to maintain full coverage to protect the lienholder’s interest. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should keep full coverage in place.

Learn How to Lower Your Insurance Premiums

Lots of factors are used when quoting car insurance. Some factors are common sense such as your driving record, but some are not quite as obvious like where you live or your commute time. It’s important that you understand the rating factors that go into determining your policy premiums. If you have some idea of what determines base rates, this allows you to make good choices that may reward you with better auto insurance rates.

The list below includes some of the most common factors that factor into your prices.

Get cheap rates on Ford Escape insurance in Fort Worth with these discounts

Some providers don’t always publicize all their discounts very well, so we researched both well-publicized and the more hidden credits that you can use to lower your rates.Cheaper auto insurance with discounts

A little note about advertised discounts, most discounts do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as comprehensive or collision. So when the math indicates you can get free auto insurance, it just doesn’t work that way.

The information below illustrates the comparison of Ford Escape auto insurance costs with and without some available policy discounts. The rates are based on a female driver, no claims or driving citations, Texas state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, multi-car, homeowner, safe-driver, and multi-policy discounts applied.

Companies and their offered discounts are shown below.

Before buying, ask every company which credits you are entitled to. Some credits may not apply to policyholders in Fort Worth. To see insurers with the best discounts in Texas, follow this link.

When to contact an insurance agency

Many drivers prefer to get advice from a local agent and that is just fine! The biggest benefit of comparing rate quotes online is you can get cheap insurance rates and still have an agent to talk to.

Find insurance agent in Fort WorthAfter filling out this short form, your insurance coverage information gets sent to local insurance agents who will gladly provide quotes and help you find cheaper coverage. It’s much easier because you don’t need to contact any agents because quoted prices will be sent directly to your email. It’s the lowest rates without having to waste a lot of time. If you want to get a rate quote from one company in particular, don’t hesitate to jump over to their website and submit a quote form there.

Finding a good insurance company is decision based upon more than just a cheap price. These are some valid questions you should ask.

Compare rates from both independent and exclusive car insurance agents

When researching a reliable agent, there are a couple of different types of agents and how they operate. Insurance policy providers are categorized either independent agents or exclusive agents.

Exclusive Insurance Agencies

Exclusive agencies have only one company to place business with and some examples include American Family, State Farm, and AAA. They generally cannot provide rate quotes from other companies so always compare other rates. Exclusive agents are well trained on what they offer which helps them sell insurance even at higher premiums.

Below are Fort Worth exclusive insurance agencies that can give you price quotes.

6901 McCart Ave Ste 100Fort Worth, TX 76133(817) 370-1895View Map

5932 River Oaks BlvdFort Worth, TX 76114(817) 377-3401View Map

8501 Boat Club RdFort Worth, TX 76179(817) 236-8781View Map

View more Fort Worth agents

Independent Insurance Agents

Agents that choose to be independent can quote rates with many companies so they can insure your vehicles amongst many companies and find you cheaper rates. If prices rise, they simply switch companies in-house and you don’t have to switch agencies.

If you need lower rates, you definitely need to contact multiple independent agents to get the most accurate price comparison.

Below are independent insurance agencies in Fort Worth that can give you price quote information.

8751 Camp Bowie W Blvd #124Fort Worth, TX 76116(817) 560-9400View Map

4500 Mercantile Plaza Dr #300Fort Worth, TX 76137(214) 302-7148View Map

3121 Hemphill StFort Worth, TX 76110(817) 923-2001View Map

View more Fort Worth agents

In Summary

In this article, we presented a lot of ways to lower your Ford Escape insurance auto insurance rates in Fort Worth. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with an unexpected company. Regional companies may often insure only within specific states and give better rates compared to the large companies like GEICO and State Farm.

Cheaper Ford Escape insurance in Fort Worth is definitely available from both online companies in addition to local insurance agencies, and you should be comparing both to have the best selection. Some insurance companies may not provide online price quotes and usually these small insurance companies prefer to sell through independent insurance agents.

Even more information is available at these sites: