Ford Escape Insurance Quotes in Santa Ana

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Ford Escape insurance cost
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Did you come to the realization that you have an under-performing, overpriced auto insurance policy? Believe me, there are a lot of people in Santa Ana just like you who feel imprisoned by their auto insurance policy.

Insurance for Ford EscapeIt's hard to fathom, but almost 70% of drivers have stayed with the same insurance company for at least four years, and just under half have never even compared quotes to find affordable rates. California insurance shoppers can save about 35% each year by just shopping around, but they just don't understand the large savings they would see if they switched to a cheaper policy. With vehicle owners having so many options when it comes to auto insurance, it is hard for the average consumer to locate the best auto insurance company.

It's a good idea to quote other rates quite often because prices are constantly changing. Just because you found the lowest rate on Ford Escape insurance in Santa Ana at your last renewal there may be better deals available now. Forget all the misinformation about auto insurance because we're going to demonstrate one of the best ways to find great coverage at a great price.

This article's intent is to teach you a little about the most effective ways to compare rates and some tricks to saving. If you have coverage now, you will definitely be able to reduce premiums using the techniques covered below. Vehicle owners just have to know the least time-consuming way to get comparison quotes on the web.

The companies shown below offer price quotes in Santa Ana, CA. If multiple providers are shown, it's a good idea that you visit two to three different companies to find the cheapest car insurance rates.

Rates and information analytics

The coverage information below covers a range of insurance rates for Ford Escape models. Having a good grasp of how auto insurance prices are formulated can help guide drivers when making decisions on the best policy coverages.

Ford Escape Insurance Rates in Santa Ana, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $188 $324 $360 $22 $108 $1,002 $84
Escape XLS 4WD $188 $324 $360 $22 $108 $1,002 $84
Escape XLT 2WD $188 $324 $360 $22 $108 $1,002 $84
Escape Limited 2WD $216 $324 $360 $22 $108 $1,030 $86
Escape XLT 4WD $216 $324 $360 $22 $108 $1,030 $86
Escape Limited 4WD $216 $394 $360 $22 $108 $1,100 $92
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Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Estimates do not factor in zip code location which can affect insurance rates greatly.

Physical damage deductibles

One frequently asked question is how high should the physical damage coverage deductibles be. The tables below sum up how much more you'll pay when you select higher and lower physical damage deductibles. The first data set uses a $100 deductible for comp and collision and the second price chart uses a $1,000 deductible.

Ford Escape insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $332 $564 $376 $22 $112 $1,431 $119
Escape XLS 4WD $332 $564 $376 $22 $112 $1,431 $119
Escape XLT 2WD $332 $564 $376 $22 $112 $1,431 $119
Escape Limited 2WD $380 $564 $376 $22 $112 $1,479 $123
Escape XLT 4WD $380 $564 $376 $22 $112 $1,479 $123
Escape Limited 4WD $380 $686 $376 $22 $112 $1,601 $133
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Ford Escape insurance 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
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Estimates do not factor in garaging location in Santa Ana which can alter premiums significantly.

We can derive from the above data that using a $100 deductible will cost you approximately $38 more each month or $456 every year across all Ford Escape models than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to go more than 24 months between claim filings, you would probably save some money going with the higher deductible. The table below illustrates how you can come to your own conclusion.

Average monthly premium for $100 deductibles: $123
Average monthly premium for $1,000 deductibles (subtract): - $85
Monthly savings from raising deductible: $38
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $38
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 24 months

Careless driving habits raise car insurance rates

The example below highlights how traffic violations and at-fault collisions can drive up Ford Escape car insurance rates for different age groups. The rates are based on a married male driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.

Rate comparison of male drivers versus female drivers

The information below illustrates the comparison of Ford Escape insurance costs for male and female drivers. The price estimates are based on a clean driving record, no claims, full physical damage coverage, $250 deductibles, single status, and no discounts are applied to the premium.

Rate comparison of full coverage and liability-only

The information below illustrates the difference between Ford Escape auto insurance costs with and without physical damage coverage. The premiums assume no claims, a clean driving record, $250 deductibles, drivers are not married, and no other discounts are factored in.

When to drop comprehensive and collision

There is no exact rule to eliminate physical damage coverage on your policy, but there is a general convention. If the yearly cost of full coverage is more than around 10% of replacement cost minus your deductible, then you might want to think about dropping full coverage.

For example, let's pretend your Ford Escape replacement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $8,000 after the policy deductible has been paid. If you are paying in excess of $800 annually to have full coverage, then you might want to consider buying only liability coverage.

There are some situations where removing full coverage is not recommended. If you have an outstanding loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not eliminate full coverage.

Auto insurance does more than just repair your car

Even though Santa Ana Escape insurance rates can get expensive, paying for auto insurance may not be optional for several reasons.

  • The majority of states have mandatory liability insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability insurance coverage if you don't want to risk a ticket. 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 Ford Escape with a loan, it's guaranteed your bank will stipulate that you buy insurance to ensure the loan is repaid in case of a total loss. If you default on your policy, the bank may buy a policy for your Ford at an extremely high rate and force you to pay the higher premium.
  • Auto insurance protects both your Ford Escape and your assets. It also can pay for all forms of medical expenses for you, any passengers, and anyone injured in an accident. Liability coverage also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If mother nature or an accident damages your car, comprehensive (other-than-collision) and collision coverage will pay to restore your vehicle to like-new condition.

The benefits of buying auto insurance are definitely more than the cost, specifically if you ever have a liability claim. On average, a vehicle owner in Santa Ana is currently overpaying as much as $800 each year so shop around each time the policy renews to ensure rates are competitive.

Ford Escape Insurance Premiums Can Be More Affordable

Consumers need to have an understanding of the factors that come into play when calculating your premiums. If you know what determines premiums, this allows you to make educated decisions that may result in big savings.

  • Policy add-ons may be wasting money - There are a ton of extra bells and whistles that can waste your money if you aren't diligent. Coverage for things like roadside assistance, better glass coverage, and Farm Bureau memberships may not be needed and are just wasting money. They may seem good at first, but if you've never needed them in the past consider taking them off your policy.
  • Credit score impacts premium costs - Having a good credit score can be a huge factor in your rate calculation. If your credit history can use some improvement, you may save money insuring your Ford Escape if you clean up your credit. Drivers who have high credit scores tend to be more responsible and file fewer claims as compared to drivers with lower credit ratings.
  • Youthful drivers pay more - Young drivers in California are statistically proven to be less responsible when behind the wheel so insurance rates are higher. Adding a teenage driver onto a policy can really hurt. Older drivers are proven to be safer behind the wheel, tend to cause fewer accidents, and tend to be get fewer driving tickets.

    The following data uses these assumptions: single driver, full coverage with $1000 deductibles, and no discounts or violations.

  • Too many policy claims drive up prices - If you tend to file frequent claims, you should expect increased rates or even have your policy non-renewed. Car insurance companies in California provide the best rates to people who are not frequent claim filers. Insurance coverage is meant to be used in the event of claims that you cannot pay yourself.
  • Loss probability for a Ford Escape - Companies use past loss statistics for each vehicle to help calculate a profitable premium price. Models that tend to have increased losses will have increased rates. The table below demonstrates the historical insurance loss data for Ford Escape vehicles.

    For each coverage category, the claim probability for all vehicles combined as an average is equal to 100. Numbers that are below 100 suggest a positive loss record, while numbers shown that are more than 100 indicate more frequent losses or statistically larger claims.

    Ford Escape Insurance Loss Statistics
    Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Ford Escape 4dr 2WD 80 91 83 94 94 92
    Ford Escape 4dr 4WD 81 84 94 85 90 77

    Statistics from for 2013-2015 Model Years

Lower rate quotes by taking advantage of discounts

Auto insurance is expensive, but there are discounts available to help bring down the price. A few discounts will automatically apply when you get a quote, but lesser-known reductions have to be specially asked for in order for you to get them. If you don't get every credit available, you're just leaving money on the table.Save money with discounts

  • Discount for Home Ownership - Being a homeowner may earn you a small savings because it means you have a higher level of financial diligence.
  • Theft Prevention System - Cars optioned with advanced anti-theft systems are stolen with less frequency and earn discounts up to 10% off your Santa Ana car insurance quote.
  • Low Mileage Discounts - Driving fewer miles could earn lower rates on the low mileage vehicles.
  • Online Discount - Some of the larger companies provide a small discount just for signing your application over the internet.
  • Driver's Ed - Have your child enroll in driver's education as it can save substantially.
  • Military Discounts - Being deployed in the military may qualify for rate reductions.
  • Driver Safety - Participating in a class that teaches driver safety techniques could earn you a small percentage discount and make you a better driver.

One last thing about discounts, most discount credits are not given to the entire policy premium. Most only cut the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like it's possible to get free car insurance, you won't be that lucky.

The example below illustrates the difference between Ford Escape insurance costs with and without some available policy discounts. The information is based on a male driver, no claims, a clean driving record, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-policy, homeowner, multi-car, and marriage discounts applied.

Large auto insurance companies and a summarized list of policyholder discounts can be found below.

  • Farm Bureau may include discounts for multi-policy, good student, driver training, safe driver, and youthful driver.
  • MetLife offers discounts including good student, good driver, claim-free, accident-free, and defensive driver.
  • Progressive may have discounts that include online signing, multi-policy, good student, multi-vehicle, and continuous coverage.
  • AAA discounts include education and occupation, multi-policy, good driver, AAA membership discount, good student, multi-car, and pay-in-full.
  • American Family has savings for Steer into Savings, bundled insurance, mySafetyValet, defensive driver, and early bird.
  • GEICO offers discounts for five-year accident-free, driver training, seat belt use, defensive driver, good student, and multi-vehicle.
  • State Farm policyholders can earn discounts including good student, passive restraint, driver's education, anti-theft, and good driver.

When getting a coverage quote, ask all companies you are considering what discounts are available to you. Some of the discounts discussed earlier may not apply in your area. To see insurance companies with discount rates in Santa Ana, follow this link.

Exclusive or independent insurance agents

Some consumers still prefer to buy from a licensed agent and that is a smart decision Professional agents are trained risk managers and give you someone to call. A good thing about price shopping on the web is that you can find cheap car insurance quotes but still work with a licensed agent. Buying from local agents is important especially in Santa Ana.

Insurance agents in Santa AnaTo help locate an agent, after submitting this simple form, your coverage information is instantly submitted to local insurance agents that can give you free Santa Ana car insurance quotes to get your business. It simplifies rate comparisons since you won't have to drive around since price quotes are sent instantly to you. If you need to get a rate quote from a specific company, you just need to visit that company's website and give them your coverage information.

Shown below is a short list of insurance companies in Santa Ana that can give you price quote information for Ford Escape insurance in Santa Ana.

2913 S. Pullman St - Santa Ana, CA 92705 - (949) 261-5335 - View Map

540 N Golden Cir Dr #315 - Santa Ana, CA 92705 - (888) 395-4847 - View Map

2901 W Warner Ave - Santa Ana, CA 92704 - (714) 966-1461 - View Map

Mural Insurance Agency
1202 17th St #103 - Santa Ana, CA 92701 - (714) 541-1003 - View Map

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Finding the right insurance company is decision based upon more than just the quoted price. Below are some questions you should ask.

  • Are they actively involved in the community?
  • How many years of experience in personal auto insurance do they have?
  • Does the quote include credit and driving reports?
  • Who are their largest clients?
  • How many companies do they write for?

If you receive satisfactory answers to any questions you have and a good coverage price, chances are good that you have found an provider that will properly service your car insurance policy.

Get the best coverage at the lowest price

Throughout this article, we presented many ideas to compare Ford Escape insurance premium rates in Santa Ana. The key concept to understand is the more companies you get prices for, the better your chances of lowering your prices. You may even discover the lowest priced car insurance comes from the smaller companies. Regional companies can often insure niche markets at a lower cost than their larger competitors like State Farm, GEICO and Nationwide.

A few companies do not provide online price quotes and these regional insurance providers provide coverage only through independent insurance agents. Cost effective Ford Escape insurance can be found online and from local agencies, and you need to price shop both to have the best chance of lowering rates.

How to find the cheapest rates for Ford Escape insurance in Santa Ana

Really, the only way to find low-cost car insurance rates is to start comparing prices yearly from different companies who can sell car insurance in Santa Ana.

  • First, it will benefit you to learn about coverages and the measures you can control to drop your rates. Many rating criteria that result in higher rates like your driving record and poor credit rating can be remedied by making lifestyle changes or driving safer.
  • Second, request price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can provide rates from one company like GEICO or State Farm, while independent agents can provide rate quotes for a wide range of insurance providers. Begin your rate comparison
  • Third, compare the new rates to the price on your current policy to determine if you can save on Escape insurance. If you find a lower rate and decide to switch, verify that coverage does not lapse between policies.

One important bit of advice is that you'll want to make sure you compare similar coverage information on each price quote and to quote with as many carriers as you can. This ensures an accurate price comparison and a complete rate analysis.

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