Auto Insurance Quotes for a Ford Escape in Plano

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If you want to save money, the best way to get affordable auto insurance rates is to compare prices regularly from different companies in Plano.

Step 1: Spend a few minutes and learn about the different coverages in a policy and the steps you can take to prevent rate increases. Many policy risk factors that cause high rates like traffic tickets, fender benders, and a less-than-favorable credit score can be improved by making minor changes to your lifestyle. This article gives tips to get affordable coverage and find discounts that may have been missed.

Step 2: Obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can provide rates from one company like GEICO or State Farm, while independent agents can provide price quotes from multiple sources. View rates

Step 3: Compare the quotes to the premium of your current policy and determine if cheaper Escape coverage is available in Plano. If you find better rates and make a switch, ensure there is no coverage lapse between policies.

Step 4: Give proper notification to your current agent or company of your decision to cancel your current car insurance policy and submit a down payment along with a signed application to your new agent or company. As soon as coverage is bound, place your new proof of insurance certificate in your vehicle's glove compartment or console.

An important note is to try to compare similar coverage information on every quote request and and to get rates from as many companies as possible. This provides a fair price comparison and the best price selection.

Insurance quote for Ford Escape in PlanoAmazingly, a recent NerdWallet.com study showed that nearly 70% of customers have stayed with the same insurance company for over three years, and virtually 40% of consumers have never shopped around. Texas insurance shoppers could cut their rates by roughly $1,770 a year, but they don't believe how much savings they would realize if they switched to a cheaper policy.

Compare quotes for Plano Ford Escape insurance

Many insurance companies provide price estimates directly from their websites. Getting online quotes for Ford Escape insurance in Plano doesn't take a lot of time because you just enter your required coverages as requested by the quote form. After the form is submitted, their quoting system collects information on your driving record and credit history and generates a price.

This makes it simple to compare prices and it's very important to get many rate quotes if you are searching for the lowest payment possible.

To quickly compare rates using this form now, take a look at the companies shown below. If you have your current policy handy, we recommend you type in the coverage information exactly as they are listed on your policy. This ensures you will be getting rate comparison quotes based on the exact same insurance coverage.

The companies shown below can provide price comparisons in Plano, TX. If you wish to find cheap auto insurance in Texas, it's highly recommended you compare several of them to get the best price comparison.

Ford Escape insurance rate analysis

The information below showcases detailed analysis of insurance costs for Ford Escape models. Having a better idea how auto insurance policy rates are figured can assist in making smart choices when buying a car insurance policy.

Ford Escape Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $274 $550 $422 $24 $126 $1,396 $116
Escape XLS 4WD $274 $550 $422 $24 $126 $1,396 $116
Escape XLT 2WD $274 $550 $422 $24 $126 $1,396 $116
Escape Limited 2WD $314 $550 $422 $24 $126 $1,436 $120
Escape XLT 4WD $314 $550 $422 $24 $126 $1,436 $120
Escape Limited 4WD $314 $670 $422 $24 $126 $1,556 $130
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Rate quotes do not factor in Plano location which can modify prices considerably.

Rate comparison for different deductibles

One common question asked by Plano drivers is how high should the deductibles for physical damage be. The tables below outline the rate difference when you buy lower versus higher deductibles. The first rate estimation uses a $250 physical damage deductible and the second data table uses a $1,000 deductible.

Ford Escape insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $256 $408 $324 $20 $96 $1,129 $94
Escape XLS 4WD $256 $408 $324 $20 $96 $1,129 $94
Escape XLT 2WD $256 $408 $324 $20 $96 $1,129 $94
Escape Limited 2WD $294 $408 $324 $20 $96 $1,167 $97
Escape XLT 4WD $294 $408 $324 $20 $96 $1,167 $97
Escape Limited 4WD $294 $496 $324 $20 $96 $1,255 $105
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Ford Escape insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $158 $256 $324 $20 $96 $854 $71
Escape XLS 4WD $158 $256 $324 $20 $96 $854 $71
Escape XLT 2WD $158 $256 $324 $20 $96 $854 $71
Escape Limited 2WD $182 $256 $324 $20 $96 $878 $73
Escape XLT 4WD $182 $256 $324 $20 $96 $878 $73
Escape Limited 4WD $182 $312 $324 $20 $96 $934 $78
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Rate quotes do not factor in zip code location which can influence rates significantly.

Based on the above data, using a $250 deductible will cost you roughly $24 more each month or $288 a year across all Ford Escape models than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have at least 31 months between claims, you would probably come out ahead if you choose the higher deductible.

The illustration below illustrates how your deductible choice and can impact Ford Escape annual premium costs for different insured age categories. The premiums are based on a married female driver, comprehensive and collision coverage, and no discounts are factored in.

Male drivers versus female drivers

The illustration below shows the difference between Ford Escape insurance costs for male and female drivers. The premium estimates are based on a clean driving record, no at-fault accidents, full coverage, $1,000 deductibles, drivers are single, and no discounts are factored in.

Car insurance rates and discounts

Companies offering auto insurance do not advertise the complete list of policy discounts in an easy-to-find place, so the following list contains both well-publicized as well as the least known discounts that you may qualify for. If you do not double check each discount available, you could be saving more on your car insurance.Cheaper car insurance with discounts

  • Auto/Life Discount - Larger car insurance companies have a small discount if you purchase a life insurance policy as well.
  • Anti-theft System - Anti-theft and alarm system equipped vehicles are stolen less frequently and will qualify for a discount on a Plano auto insurance quote.
  • Onboard Data Collection - Drivers who elect to allow driving data collection to study their driving habits remotely such as Snapshot from Progressive or Drivewise from Allstate might see lower rates if they have good driving habits.
  • 55 and Retired - If you're over the age of 55, you may qualify for a small decrease in premiums.
  • Paperwork-free - Many larger companies will discount your bill up to fifty bucks for completing your application digitally online.
  • ABS Braking Discount - Cars that have anti-lock braking systems prevent accidents and will save you 10% or more on Escape insurance in Plano.
  • Low Miles Discount - Driving fewer miles may enable drivers to earn better car insurance rates on cars that stay parked.
  • Claim Free - Drivers with accident-free driving histories can earn big discounts in comparison with frequent claim filers.
  • Accident Waiver - This one isn't a discount, but companies like State Farm and Allstate will turn a blind eye to one accident before raising your premiums with the catch being you have to be claim-free before the accident.

Don't be shocked that most of the big mark downs will not be given to your bottom line cost. Some only reduce the price of certain insurance coverages like comprehensive or collision. Just because it seems like having all the discounts means you get insurance for free, that's just not realistic.

The information below illustrates the difference between Ford Escape insurance prices with and without discounts being applied to the rates. The prices are based on a male driver, no claims or violations, 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 homeowner, multi-policy, multi-car, safe-driver, marriage, and claim-free discounts applied.

Companies and the discounts they provide include:

  • Mercury Insurance may offer discounts for multi-car, good driver, anti-theft, accident-free, and location of vehicle.
  • Farmers Insurance may include discounts for switch companies, early shopping, electronic funds transfer, homeowner, and business and professional.
  • Farm Bureau discounts include renewal discount, youthful driver, safe driver, good student, and multi-vehicle.
  • State Farm offers discounts for multiple policy, student away at school, driver's education, good student, and passive restraint.
  • Allstate includes discounts for auto/life discount, senior citizen, anti-lock brakes, teenSMART discount, and premier plus.
  • GEICO has savings for daytime running lights, military active duty, good student, driver training, defensive driver, and anti-theft.

When getting free Plano auto insurance quotes, it's a good idea to each company or agent how you can save money. Some of the discounts discussed earlier might not be offered on policies in every state.

Three reasons to insure your Ford vehicle

Despite the high cost of buying insurance for a Ford Escape in Plano, buying auto insurance is not optional due to several reasons.

First, the majority of states have mandatory liability insurance requirements which means it is punishable by state law to not carry specific limits of liability coverage in order to drive the car. 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.

Second, if you took out a loan on your Ford Escape, it's guaranteed your bank will have a requirement that you buy insurance to protect their interest in the vehicle. If you do not pay your insurance premiums, the lender may have to buy a policy to insure your Ford at a much higher rate and require you to fork over much more than you were paying before.

Third, auto insurance preserves both your assets and your Ford Escape. Insurance will pay for hospital and medical expenses for both you and anyone you injure as the result of an accident. Liability insurance also covers all legal expenses up to the policy limit in the event you are sued. If you have damage to your Ford as the result of the weather or an accident, your policy will pay to repair the damage minus the deductible amount.

The benefits of having auto insurance greatly outweigh the cost, particularly for liability claims. On average, a vehicle owner in Plano is wasting up to $830 a year so you should quote rates once a year at a minimum to ensure rates are competitive.

Will just any policy work for me?

Keep in mind that when it comes to choosing insurance from an agent or online, there really isn't a perfect coverage plan. Everyone's needs are different and your car insurance should unique, too.Drive safe and save For example, these questions can help discover if you would benefit from an agent's advice.

  • Is other people's property covered if stolen from my vehicle?
  • Why does it cost so much to insure a teen driver in Plano?
  • Do I have coverage when using my vehicle for my home business?
  • What does UM/UIM cover?
  • Can my babysitter drive my car?
  • Does my Ford Escape need full coverage?
  • Should I have combined single limit or split liability limits?
  • Am I covered when driving on a suspended license?

If you don't know the answers to these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

You may want advice from an insurance agent

Many people just want to buy from a licensed agent and that can be a great decision The biggest benefit of comparing auto insurance online is that you can find better rates and still have a local agent.

Find insurance agent in PlanoUpon completion of this short form, your information is immediately sent to participating agents in Plano that provide free Plano auto insurance quotes for your insurance coverage. There is no need to contact any agents since price quotes are sent to you directly. You can get cheaper auto insurance rates without a big time investment. If you want to get a comparison quote from one company in particular, you just need to jump over to their website and fill out the quote form the provide.

Finding the right insurer is decision based upon more than just the bottom line cost. These are some questions your agent should answer.

  • Is the coverage adequate for your vehicle?
  • Are they giving you every discount you deserve?
  • Does the company have a local claim office in Plano?
  • Are aftermarket or OEM parts used to repair vehicles?
  • Are they full-time agents?

The difference between Plano car insurance agents

If you would like to find a good insurance agency, there are two different agency structures and how they operate. Agents can either be exclusive or independent.

Exclusive Auto Insurance Agencies

Agents in the exclusive channel can only provide pricing for a single company like AAA, Allstate, and State Farm. They generally cannot shop your coverage around so you might not find the best rates. Exclusive agencies are usually quite knowledgeable on sales techniques which helps overcome the inability to quote other rates. Some people will only buy from exclusive agents mostly because of the prominent brand name rather than low price.

Shown below are exclusive insurance agents in Plano that are able to give price quotes.

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Independent Insurance Agents

Agents of this type are not employed by one company and that allows them to write policies through many companies and find you cheaper rates. If your premiums go up, they simply move your policy to a different company and you can keep the same agent.

If you need cheaper auto insurance rates, we recommend you compare quotes from at a minimum one independent agency to have the best price comparison. Most independent agents also contract with additional companies that you may not be familiar with that may provide cheaper auto insurance rates.

Below is a list of independent agents in Plano that can give you comparison quotes.

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If you feel you receive reasonable responses to these questions and a good coverage price, chances are good that you have found an insurance agent that can be relied on to insure your vehicles.

The coverage is in the details

Having a good grasp of your insurance policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement. Below you'll find the usual coverages available from insurance companies.

Medical payments and PIP coverage

Med pay and PIP coverage pay for expenses such as dental work, hospital visits, X-ray expenses and funeral costs. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from flooding, hail damage, a broken windshield, fire damage and falling objects. The maximum payout you'll receive from a claim is the cash value of the vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like hitting a mailbox, colliding with another moving vehicle and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible on your Escape to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle's occupants as well as damage to your Ford Escape.

Since a lot of drivers have only the minimum liability required by law (30/60/25 in Texas), their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is very important.

Auto liability insurance

Liability coverage will cover injuries or damage you cause to a person or their property in an accident. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 30/60/25 that means you have $30,000 in coverage for each person's injuries, a per accident bodily injury limit of $60,000, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims like bail bonds, structural damage, repair costs for stationary objects and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible. Texas requires minimum liability limits of 30/60/25 but you should consider buying better liability coverage.

The illustration below demonstrates why buying minimum limits may not be enough.