How to Compare Riverside Ford Escape Insurance

A recent 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.

Insurance quote for Ford Escape in RiversideThe 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.

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.

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.

Ford Escape Insurance Rates in Riverside, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $210 $298 $492 $30 $148 $1,178 $98
Escape XLS 4WD $210 $298 $492 $30 $148 $1,178 $98
Escape XLT 2WD $210 $298 $492 $30 $148 $1,178 $98
Escape Limited 2WD $240 $298 $492 $30 $148 $1,208 $101
Escape XLT 4WD $240 $298 $492 $30 $148 $1,208 $101
Escape Limited 4WD $240 $362 $492 $30 $148 $1,272 $106
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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.

Ford Escape insurance rates with $250 deductibles
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
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Ford Escape insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $184 $298 $376 $22 $112 $992 $83
Escape XLS 4WD $184 $298 $376 $22 $112 $992 $83
Escape XLT 2WD $184 $298 $376 $22 $112 $992 $83
Escape Limited 2WD $210 $298 $376 $22 $112 $1,018 $85
Escape XLT 4WD $210 $298 $376 $22 $112 $1,018 $85
Escape Limited 4WD $210 $362 $376 $22 $112 $1,082 $90
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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.Save money with discounts

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:

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.

Insurance agency in RiversideUpon 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.

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

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Which is the best insurance?

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

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

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.

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