How to Compare Riverside Ford Escape Insurance

A recent NerdWallet.com study revealed that about 70% of customers have been with the same company for at least four years, and just under half have never compared rate quotes at all. American drivers can save hundreds of dollars each year, but they don’t invest the time required to compare other rate quotes.

The best way we recommend to find cheaper prices for Ford Escape insurance in Riverside is to annually compare prices from insurance carriers that sell auto insurance in California. Drivers can shop around by completing these steps.

• First, learn about coverages and the things you can control to keep rates in check. Many rating factors that cause high rates like careless driving and a poor credit score can be controlled by paying attention to minor details. Keep reading for the details to prevent expensive rate increases and earn larger discounts.
• Second, compare rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can give quotes from a single company like GEICO or Farmers Insurance, while independent agents can give you price quotes from multiple insurance companies.
• Third, compare the new rates to your existing coverage to determine if switching companies saves money. If you find a lower rate quote and buy the policy, make sure there is no lapse between the expiration of your current policy and the new one.
• Fourth, notify your company or agent to cancel your current policy and submit any necessary down payment along with the completed application to your new carrier. As soon as you have the new policy, put the certificate of insurance along with the vehicle’s registration papers.

A tip to remember is to use the same amount of coverage on every quote request and and to get price estimates from all possible companies. This helps ensure an accurate price comparison and a complete price analysis.

The most recommended method to get policy rate comparisons for Ford Escape insurance in Riverside is to know the fact most larger insurance companies allow for online access to compare their rates. To get started, all you need to do is provide a little information including if the car is leased, how much you drive, if you have a valid license, and how old drivers are. The rating information is instantly sent to multiple top-rated companies and you should receive rate quotes instantly.

To compare lower-cost Ford Escape insurance rates now, click here then complete the form.

The companies in the list below are our best choices to provide quotes in Riverside, CA. If multiple companies are shown, we recommend you compare several of them to get the most affordable price.

Choosing Escape insurance is an important decision

Even though Riverside Escape insurance rates can get expensive, buying insurance may not be optional for several reasons.

• Almost all states have mandatory liability insurance requirements which means you are required to carry a specific level of liability insurance if you drive a vehicle. 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 your Ford has a loan, more than likely the lender will have a requirement that you buy full coverage to ensure they get paid if you total the vehicle. If you let the policy lapse, the bank will be required to insure your Ford at a more expensive rate and force you to reimburse them for the much more expensive policy.
• Insurance protects your vehicle and your assets. It will also provide coverage for medical transport and hospital expenses incurred in an accident. Liability insurance, one of your policy coverages, also covers all legal expenses up to the policy limit in the event you are sued. If your vehicle suffers damage from an accident or hail, your policy will pay all costs to repair after the deductible has been paid.

The benefits of having insurance more than cancel out the cost, especially with large liability claims. As of last year, the average driver in California overpays as much as $830 a year so smart consumers compare quotes at least once a year to ensure rates are competitive.

Auto insurance statistics for a Ford Escape

The information below outlines different insurance premium costs for Ford Escape models. Learning more about how insurance policy premiums are determined helps drivers make smart choices when comparing insurance quotes.

Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Table data does not factor in specific garaging location which can affect rates significantly.

Physical damage deductibles: Should you raise them?

When shopping for auto insurance, a common question is how high should your deductibles be. The comparisons below lay out the costs and benefits of buying low and high insurance deductibles. The first price estimate table uses a $250 deductible for comp and collision and the second rate table uses a $1,000 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Prices do not factor in specific garaging location which can raise or lower coverage rates substantially.

Based on these figures, using a $250 deductible costs about $27 more each month or $324 a year than choosing the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at least 28 months between claim filings, you would come out ahead if you opt for a higher deductible.

The diagram below shows how choosing a deductible and can impact Ford Escape insurance prices for each age group. Data assumes a married female driver, full coverage, and no discounts are taken into consideration.

Full coverage or liability only

The chart below visualizes the comparison of Ford Escape insurance costs when comparing full coverage to liability only. The prices are based on no violations or accidents, $500 deductibles, drivers are single, and no discounts are factored in.

When to eliminate full coverage

There is no definitive rule to exclude comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the annual cost of your full coverage insurance is 10% or more of the replacement cost minus the deductible, then it might be time to buy liability only.

For example, let’s say your Ford Escape replacement cost is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company would pay you is $3,000 after the policy deductible has been paid. If premiums are more than $300 a year for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

There are some cases where removing full coverage is not a good idea. If you have an outstanding loan on your vehicle, you have to maintain full coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not drop full coverage.

Get cheaper Ford Escape insurance rates in Riverside

Companies don’t necessarily list every discount they offer in a way that’s easy to find, so here is a list both well-publicized and also the lesser-known ways to save on car insurance. If you do not double check each discount available, you could be saving more on your car insurance.

• Theft Prevention Discount – Vehicles that have factory anti-theft systems are less likely to be stolen and that can save you a little bit as well.
• Driver Safety – Participating in a course teaching driver safety skills could cut 5% off your bill if you qualify.
• Seat Belt Usage – Drivers who require all occupants to fasten their seat belts can save a little on medical payment and PIP coverage.
• Low Mileage Discounts – Low mileage vehicles can qualify you for discounted prices on garaged vehicles.
• Paperwork-free – Some of the larger companies may give you up to $50 shop Riverside auto insurance online.
• Responsible Driver Discount – Safe drivers can save up to 40% or more on their Riverside auto insurance quote compared to rates paid by drivers with frequent claims.
• One Accident Forgiven – This one isn’t a discount, but a handful of insurance companies may permit one accident without raising rates if your claims history is clear for a set time period.
• Discount for Life Insurance – Not all companies offer life insurance, but some may give you a discounted price on car insurance if you buy a life policy as well.
• Good Grades Discount – Performing well in school can earn a discount of 20% or more. You can use this discount normally until age 25.
• Onboard Data Collection – Insureds that choose to allow driving data submission to study driving patterns by installing a telematics device like Allstate’s Drivewise could possibly reduce rates if their driving habits are good.

As a footnote on discounts, most discount credits are not given to the overall cost of the policy. Most only reduce specific coverage prices like liability and collision coverage. So even though it sounds like adding up those discounts means a free policy, companies don’t profit that way.

The example below illustrates the comparison of Ford Escape auto insurance costs with and without discounts applied. The premiums are based on a male driver, no driving violations, no at-fault accidents, California state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, homeowner, safe-driver, claim-free, and multi-policy discounts applied.

Popular car insurance companies and some of the premium reductions they offer include:

• Farmers Insurance has discounts for switch companies, distant student, good student, electronic funds transfer, alternative fuel, and early shopping.
• Esurance may include discounts for claim free, anti-theft, good driver, renters, multi-policy, and multi-car.
• State Farm discounts include Drive Safe & Save, anti-theft, multiple autos, good student, passive restraint, and good driver.
• GEICO may have discounts that include good student, multi-policy, five-year accident-free, membership and employees, air bags, and multi-vehicle.
• Allstate policyholders can earn discounts including anti-theft, premier discount, resident student, new car, EZ pay plan discount, and good payer.

Before purchasing a policy, check with every company which discounts you qualify for. Some credits might not be offered on policies in Riverside. To see car insurance companies who offer discounts in Riverside, click here.

Insurance agents are trained to help

A small number of people still like to get advice from a local agent and that is just fine! Most agents will help you protect your assets and will help you if you have claims. A nice benefit of comparing insurance prices online is the fact that you can find the best rates and still have an agent to talk to.

Upon completion of this quick form, the coverage information is emailed to companies in Riverside who want to provide quotes and help you find cheaper coverage. There is no reason to visit any agencies due to the fact that quote results will go immediately to your email address. If you want to get a rate quote from a particular provider, you would need to visit that company’s website and fill out the quote form the provide.

Finding the right company shouldn’t rely on just the price. You should also get answers to these questions.

• If you have an accident, will your rates go up?
• How much training do they have in personal risk management?
• Will the company cover a rental car if your car is getting fixed?
• What is the agency’s Better Business Bureau rating?
• Do they carry Errors and Omissions coverage?

The following are Riverside insurance companies that can give you price quote information for Ford Escape insurance in Riverside.

• Gary Echito – State Farm Insurance Agent
  3239 Chicago Ave – Riverside, CA 92507 – (951) 684-8450 – View Map
• Farmers Insurance: Leonor Rivera
  3645 Van Buren Boulevard – Riverside, CA 92503 – (951) 352-5050 – View Map
• Scott Fowler – State Farm Insurance Agent
  7177 Brockton Ave #340 – Riverside, CA 92506 – (951) 777-2446 – View Map
• Allstate Insurance: Kenneth Munaretto
  3271 Arlington Ave – Riverside, CA 92506 – (951) 369-0277 – View Map

View more agents

Which is the best insurance?

When it comes to adequate coverage, there really is not a “perfect” insurance plan. Your financial needs are unique.

Here are some questions about coverages that could help you determine whether your personal situation would benefit from an agent’s advice.

• Should I rate my vehicle as business use?
• Are all vehicle passengers covered by medical payments coverage?
• What is an SR-22 filing?
• Do I have ACV or replacement cost coverage?
• At what point should I drop full coverage?
• Is a new car covered when I drive it off the dealer lot?
• Does insurance cover damages from a DUI accident?
• What if I owe more than I can insure my car for?
• What is covered by UM/UIM coverage?
• Is a blown tire covered by insurance?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Which auto insurance company is best in California?

Selecting a high-quality car insurance company can be challenging considering how many different insurance companies sell coverage in California. The information listed below could help you choose which coverage providers you want to consider when comparing rate quotes.

Top 10 Riverside Car Insurance Companies Ranked by Customer Satisfaction

1. Titan Insurance – 95%
2. USAA – 94%
3. AAA of Southern California – 92%
4. AAA Insurance – 91%
5. Nationwide – 90%
6. State Farm – 90%
7. The Hartford – 89%
8. GEICO – 89%
9. The General – 88%
10. 21st Century – 88%

The best insurance company isn’t always the cheapest

Insureds leave their current company for a variety of reasons including denial of a claim, extreme rates for teen drivers, poor customer service or even an unsatisfactory settlement offer. It doesn’t matter why you want to switch finding the right auto insurance provider is not as hard as you think.

As you go through the steps to switch your coverage, it’s very important that you do not buy less coverage just to save a little money. There have been many situations where an insured dropped liability limits or collision coverage and learned later that it was a big mistake. The proper strategy is to purchase plenty of coverage at a price you can afford and still be able to protect your assets.

Lower-priced auto insurance in Riverside is available online as well as from insurance agents, so you need to quote Riverside auto insurance with both to get a complete price analysis. Some insurance providers do not offer rates over the internet and these regional insurance providers only sell through independent agents.

To learn more, take a look at the articles below:

• Get the Right Protection (InsureUonline.org)
• Who Has Affordable Auto Insurance for Real Estate Agents in Riverside? (FAQ)
• Who Has the Cheapest Auto Insurance for Drivers with a Bad Driving Record in Riverside? (FAQ)
• Who Has Cheap Riverside Car Insurance for a Chevrolet Equinox? (FAQ)
• Who Has Affordable Auto Insurance for Safe Drivers in Riverside? (FAQ)
• Eight Auto Insurance Myths (Insurance Information Institute)
• Vehicle Insurance (Wikipedia)
• Distracted Driving (Insurance Information Institute)