Comparing and finding low cost rates for Ford Escape insurance in Sacramento can be kind of frustrating for beginners to shopping for insurance online. With such a large number of agents and online companies available, it can quickly become a real challenge to lower your prices on Ford Escape insurance.
Steps to finding low-cost rates for Ford Escape insurance in Sacramento
It takes a few minutes, but the best way to find low-cost Ford Escape insurance in Sacramento is to make a habit of regularly comparing prices from insurers who can sell car insurance in California. Rates can be compared by following these steps.
- Try to comprehend coverages and the measures you can take to prevent high rates. Many policy risk factors that increase rates like careless driving and a low credit rating can be controlled by making minor driving habit or lifestyle changes. Continue reading for more details to help prevent costly coverage and find overlooked discounts.
- Obtain price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from a single company like GEICO or Farmers Insurance, while agents who are independent can quote prices for a wide range of companies.
- Compare the new rates to your current policy premium to determine if you can save on Escape insurance in Sacramento. If you can save some money and make a switch, ensure coverage does not lapse between policies.
An important note is that you use the same physical damage deductibles and liability limits on each quote request and and to look at as many companies as possible. This ensures an accurate price comparison and plenty of rates choose from.
Anyone knows that auto insurance companies don’t want policyholders to shop around. Insureds who shop around for cheaper price quotes are inclined to switch insurance companies because the odds are good of finding a policy with more affordable rates. Remarkably, a study showed that people who compared rates regularly saved an average of $70 a month as compared to drivers who didn’t regularly shop around.
If finding low prices for Ford Escape insurance in Sacramento is your objective, then having a grasp of how to find and compare insurance premiums can make it simple to find affordable coverage.
Consumers should take time to compare prices once or twice a year due to the fact that insurance prices tend to go up over time. Even if you think you had the best deal on Ford Escape insurance in Sacramento a few years ago there may be better deals available now. Ignore everything you know about insurance because we’re going to demonstrate the fastest way to save money, get proper deductibles and limits, all at the lowest rate.
The quickest method to compare rate quotes for Ford Escape insurance in Sacramento takes advantage of the fact most insurance companies pay for the opportunity to give you rate quotes. To begin a comparison, all you need to do is provide a little information such as if you have an active license, types of safety features, what your job is, and how much school you completed. The data is sent automatically to many different companies and they return rate quotes immediately.
To find lower cheap Ford Escape insurance rates now, click here and complete the quick form.
The companies shown below provide quotes in California. To buy the best auto insurance in Sacramento, we recommend you visit two to three different companies to find the cheapest auto insurance rates.
Coverage statistics and figures
The data table displayed next showcases different rate quotes for Ford Escape models. Having a better idea how car insurance prices are determined can be useful when making smart choices when comparing insurance quotes.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Escape XLS 2WD | $324 | $648 | $454 | $26 | $136 | $1,588 | $132 |
| Escape XLS 4WD | $324 | $648 | $454 | $26 | $136 | $1,588 | $132 |
| Escape XLT 2WD | $324 | $648 | $454 | $26 | $136 | $1,588 | $132 |
| Escape Limited 2WD | $372 | $648 | $454 | $26 | $136 | $1,636 | $136 |
| Escape XLT 4WD | $372 | $648 | $454 | $26 | $136 | $1,636 | $136 |
| Escape Limited 4WD | $372 | $790 | $454 | $26 | $136 | $1,778 | $148 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Rate information does not factor in garaging location in Sacramento which can revise rates greatly.
Policy deductible comparison
One common question asked by Sacramento drivers is how high should the deductibles for physical damage be. The figures shown below may aid in understanding the costs and benefits between high and low policy deductibles. The first pricing table uses a $250 comprehensive and collision deductible and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Escape XLS 2WD | $298 | $472 | $376 | $22 | $112 | $1,305 | $109 |
| Escape XLS 4WD | $298 | $472 | $376 | $22 | $112 | $1,305 | $109 |
| Escape XLT 2WD | $298 | $472 | $376 | $22 | $112 | $1,305 | $109 |
| Escape Limited 2WD | $342 | $472 | $376 | $22 | $112 | $1,349 | $112 |
| Escape XLT 4WD | $342 | $472 | $376 | $22 | $112 | $1,349 | $112 |
| Escape Limited 4WD | $342 | $576 | $376 | $22 | $112 | $1,453 | $121 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Escape XLS 2WD | $242 | $382 | $376 | $22 | $112 | $1,134 | $95 |
| Escape XLS 4WD | $242 | $382 | $376 | $22 | $112 | $1,134 | $95 |
| Escape XLT 2WD | $242 | $382 | $376 | $22 | $112 | $1,134 | $95 |
| Escape Limited 2WD | $278 | $382 | $376 | $22 | $112 | $1,170 | $98 |
| Escape XLT 4WD | $278 | $382 | $376 | $22 | $112 | $1,170 | $98 |
| Escape Limited 4WD | $278 | $464 | $376 | $22 | $112 | $1,252 | $104 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Rate information does not factor in your specific Sacramento location which can revise insurance rates significantly.
Using the data above, we can ascertain that using a $250 deductible costs approximately $14 more each month or $168 a year than requesting the higher $500 deductible. Due to the fact that you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you usually have more than 18 months between claim filings, you would more than likely save some money if you decide on a higher deductible. The numbers below show how you can perform this determination yourself.
| Average monthly premium for $250 deductibles: | $112 |
| Average monthly premium for $500 deductibles (subtract): | – $98 |
| Monthly savings from raising deductible: | $14 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $14 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 18 months |
Comparison of auto insurance rates by gender
The chart below shows the difference between Ford Escape car insurance costs for male and female drivers. The rates are based on no claims or driving violations, comp and collision included, $100 deductibles, single status, and no discounts are factored in.
Auto insurance in California serves several purposes
Even though Sacramento Escape insurance rates can get expensive, insuring your vehicle serves several important purposes.
- The majority of states have mandatory insurance requirements which means it is punishable by state law to not carry a specific level of liability insurance coverage in order to drive the car. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you bought your vehicle with a loan, most banks will require that you have physical damage coverage to guarantee loan repayment. If you let the policy lapse, the lender will be forced to insure your Ford at a much higher premium rate and require you to pay for it.
- Insurance protects not only your Ford Escape but also your assets. It will also pay for many types of medical costs that are the result of an accident. As part of your policy, liability insurance also pays expenses related to your legal defense in the event you are sued. If your Ford gets damaged, your policy will cover the damage repairs after a deductible is paid.
The benefits of insuring your car greatly outweigh the cost, particularly for liability claims. According to a survey of 1,000 drivers, the average driver is currently overpaying as much as $865 each year so it’s recommended you shop around at least once a year to be sure current rates are still competitive.
Take advantage of these ten discounts
Companies do not advertise every possible discount very well, so we break down a few of the more common as well as some of the hidden credits that may apply to you. If you check and find you aren’t receiving every discount possible, you’re just leaving money on the table.
- Discounts for New Vehicles – Insuring a vehicle that is new can save you some money since new vehicles are generally safer.
- Drivers Education – Cut your cost by having your teen driver enroll in driver’s education as it can save substantially.
- Renewal Discounts – A few insurance companies offer discounts for switching to them before your current expiration date. It can save you around 10%.
- Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts could save 15% off PIP or medical payments premium.
- Organization Discounts – Belonging to a qualifying organization could trigger savings on your next auto insurance statement.
- Discount for Passive Restraints – Options like air bags and/or automatic seat belt systems may qualify for discounts of up to 25% or more.
- Senior Discount – If you qualify as a senior citizen, you can get a slight reduction on a Sacramento auto insurance quote.
- Low Mileage Discounts – Driving less may enable drivers to earn cheaper premium rates.
- Responsible Driver Discounts – Safe drivers can save as much as half off their rates than less cautious drivers.
- Discount for Good Grades – This discount may save you up to 25%. You can use this discount normally well after school through age 25.
As is typical with insurance, some credits don’t apply to your bottom line cost. The majority will only reduce individual premiums such as liability, collision or medical payments. Just because you may think you can get free auto insurance, it’s just not the way it works.
The illustration below compares Ford Escape yearly insurance costs with and without policy discounts. The rate quotes are based on a female driver, a clean driving record, no claims, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, multi-policy, claim-free, safe-driver, and multi-car discounts applied.
Some companies that possibly offer most of these discounts are:
If you need lower rates, check with all companies you are considering the best way to save money. Some of the earlier mentioned discounts may not be available everywhere. If you would like to choose from a list of companies who offer online Ford Escape insurance quotes in California, click here.
What is the best car insurance coverage?
When selecting the best car insurance coverage, there really is not a one-size-fits-all type of policy. Coverage needs to be tailored to your specific needs.
For instance, these questions may help you determine whether you could use an agent’s help.
- How does medical payments coverage work?
- What can I do if my company denied a claim?
- What is the ISO rating for a Ford Escape?
- What is the difference between personal and commercial auto insurance policies?
- Is my custom paint covered by insurance?
- Is a new car covered when I drive it off the dealer lot?
- Is coverage enough to protect my assets?
- When should I drop full coverage on my Ford Escape?
- What does PIP insurance cover?
- What is the premium to book value ratio for dropping full coverage?
If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form.
When to get advice from an insurance agency
Some people still like to get advice from a local agent and that can be a smart move One of the best bonuses of comparing car insurance online is that drivers can save money and get cheap rate quotes and still buy from a local agent.
To help locate an agent, after submitting this quick form, the coverage information is submitted to participating agents in Sacramento who can give free rate quotes and help you find cheaper coverage. You never need to contact any insurance agencies due to the fact that quote results will go to you instantly. You can most likely find cheaper rates AND an agent nearby. If for some reason you want to compare rates from a specific insurance company, you would need to visit that company’s website and complete a quote there.
Picking the best provider needs to be determined by more than just the price. Here are some questions you might want to ask.
- Which companies can they place coverage with?
- Do the agents have professional certifications like CPCU or CIC?
- Does the agency have a positive business rating?
- Are they involved in claim handling?
- Do they see any coverage gaps in your plan?
- Do they get paid more for recommending certain coverages?
Types of car insurance agents in Sacramento
When narrowing the list to find a good Sacramento insurance agent, it’s important to understand the types of insurance agents and how they differ in how they quote coverages. Insurance agencies in Sacramento may be either exclusive or independent agents depending on their company appointments.
Exclusive Agents
Agents that choose to be exclusive normally can only provide a single company’s rates such as Farmers Insurance and State Farm. Exclusive agencies are unable to give you multiple price quotes so always compare other rates. These agents are usually quite knowledgeable on their company’s products which helps them sell on service rather than price. Consumers sometimes choose to use a exclusive agent primarily because of the prominence of the brand rather than low rates.
The following is a short list of exclusive insurance agencies in Sacramento that can give you comparison quotes.
- Greg Lauck – State Farm Insurance Agent
950 Fulton Ave #175 – Sacramento, CA 95825 – (916) 978-9110 – View Map - Jordan Backhaus – State Farm Insurance Agent
4315 Elkhorn Blvd Ste B – Sacramento, CA 95842 – (916) 331-1135 – View Map - Allstate Insurance: John Chandler
900 Jefferson Blvd #110 – West Sacramento, CA 95691 – (916) 374-1600 – View Map
Independent Car Insurance Agencies
Independent agencies often have affiliation with several companies so as a result can place your coverage with multiple insurance companies depending on which coverage is best. If prices rise, the business is moved internally which is easy for the insured. When searching for an agent, you should always compare prices from multiple independent agents to maximize your price options. Most also have access to additional companies that you may not be familiar with that may provide cheaper car insurance rates.
Below is a list of independent insurance agencies in Sacramento that can give you comparison quotes.
- Bates Insurance Agency | Auto Insurance and Homeowners Insurance and Car Insurance
2306 J St – Sacramento, CA 95816 – (916) 251-3548 – View Map - Ancal Insurance Agency
2641 Cottage Way #2 – Sacramento, CA 95825 – (916) 485-5410 – View Map - Nationwide Insurance: Greg Comia Insurance Agency Inc
7500 Elsie Ave Ste 106 – Sacramento, CA 95828 – (916) 682-6053 – View Map
Insurance coverage basics
Knowing the specifics of your insurance policy helps when choosing which coverages you need for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring.
Medical expense coverage
Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as EMT expenses, prosthetic devices and funeral costs. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible
Uninsured or underinsured coverage
Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as damage to your Ford Escape.
Since a lot of drivers only carry the minimum required liability limits (California limits are 15/30/5), it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.
Liability auto insurance
Liability insurance protects you from injuries or damage you cause to people or other property that is your fault. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 15/30/5 which means $15,000 bodily injury coverage, a per accident bodily injury limit of $30,000, and property damage coverage for $5,000.
Liability can pay for claims such as loss of income, medical expenses and court costs. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible. California state law requires minimum liability limits of 15/30/5 but it’s recommended drivers buy more liability than the minimum.
The chart below demonstrates why low liability limits may not provide adequate coverage.
Comprehensive protection
Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive can pay for things such as rock chips in glass, fire damage, hitting a deer and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.
Collision coverage protection
Collision coverage covers damage to your Escape resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims such as sustaining damage from a pot hole, colliding with a tree, crashing into a ditch and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible on your Escape to bring the cost down.
Best auto insurance in California
Picking a highly-rated car insurance provider can be difficult considering how many different companies sell coverage in Sacramento. The company information shown below may help you analyze which insurers to look at putting your business with.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Smart shoppers get results
As you quote Sacramento auto insurance, do not buy lower coverage limits just to save a few bucks. Too many times, drivers have reduced physical damage coverage only to regret at claim time that the savings was not a smart move. The goal is to purchase plenty of coverage for the lowest price.
Insureds who switch companies do it for a number of reasons such as delays in paying claims, poor customer service, denial of a claim and being labeled a high risk driver. Regardless of your reason, finding a new car insurance company is less work than it seems.
Cheap Ford Escape insurance in Sacramento is attainable online as well as from independent agents in Sacramento, so you need to shop Sacramento auto insurance with both so you have a total pricing picture. Some insurance companies do not provide rate quotes online and most of the time these regional insurance providers only sell coverage through independent agents.
Steps to saving on Ford Escape insurance in Sacramento
The best way to find affordable quotes for Ford Escape insurance in Sacramento is to annually compare prices from insurers who sell auto insurance in California.
First, it will benefit you to learn about auto insurance and the modifications you can make to keep rates in check. Many risk factors that are responsible for high rates such as traffic tickets, fender benders, and a low credit rating can be controlled by making minor driving habit or lifestyle changes.
Second, quote rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from a single company like GEICO or Allstate, while agents who are independent can quote prices from multiple insurance companies.
Third, compare the quotes to your current policy premium to see if a cheaper price is available. If you find a better price, make sure there is no lapse in coverage.
One piece of advice is to make sure you enter identical limits and deductibles on every quote request and and to analyze as many companies as feasibly possible. Doing this enables the most accurate price comparison and maximum price selection.
More detailed car insurance information can be found at these sites:
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- Who Has the Cheapest Auto Insurance Rates for Retired Military in Sacramento? (FAQ)
- Who Has Cheap Sacramento Auto Insurance Quotes for Handicapped Drivers? (FAQ)
- How Much are Auto Insurance Rates for Good Students in Sacramento? (FAQ)
- Vehicle Size and Weight FAQ (iihs.org)
- How to Avoid Staged Accidents (State Farm)
- Insuring a Leased Car (Insurance Information Institute)