Cheapest Ford Escape Insurance in Philadelphia

Pretty sure you bought an under-performing, overpriced insurance policy? It’s quite common and there are a lot of people in Philadelphia just like you who feel imprisoned by their insurance policy.

It’s well known that car insurance companies want to prevent you from shopping around. Drivers who shop rates annually are highly likely to switch to a new company because there is a good chance of finding a lower-cost company. A survey found that people who regularly shopped around saved an average of $860 a year compared to people who didn’t regularly shop around.

If saving the most money on car insurance in Philadelphia is why you’re here, then having some insight into how to shop for coverage rates can help you succeed in finding affordable rates. Companies like State Farm, Allstate, GEICO and Progressive continually bombard you with TV and radio ads and it is difficult to sift through the bull and do the work needed to find the best deal.

It’s important to quote other rates periodically because insurance prices go up and down regularly. If you had the best price on Ford Escape insurance in Philadelphia a year ago a different company probably has better rates today. Block out anything you think you know about insurance because I’m going to let you in on the secrets to the best way to find better coverage on Ford Escape insurance in Philadelphia at a better price.

If you are insured now or need new coverage, use these money-saving tips to reduce premiums without having to cut coverage. Buying affordable auto insurance in Philadelphia is much easier if you have a good place to start. You just need to use the most efficient way to get comparison quotes from many different companies.

Low Cost car insurance in Philadelphia, PA

The companies in the list below have been selected to offer free quotes in Philadelphia, PA. If the list has multiple companies, we suggest you visit two to three different companies to get the most competitive price.

Rates and detailed analysis

The premium information displayed next outlines different policy rates for Ford Escape models. Having a better idea how auto insurance premiums are calculated can benefit drivers when making smart choices when comparing insurance rates.

Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Information does not factor in zip code location which can impact premium rates substantially.

Where to set your deductibles

One common question asked by Philadelphia drivers is how high should the physical damage deductibles be. The figures shown below show the rate difference of buying low and high deductibles. The first data table uses a $250 comprehensive and collision deductible and the second price table uses a $1,000 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Premium costs do not factor in specific garaging location which can decrease or increase coverage prices greatly.

Based on these figures, using a $250 deductible could cost the average driver approximately $21 more each month or $252 a year than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at least 36 months between claims, you would most likely save money going with the higher deductible.

The example below highlights how deductible selection and can influence Ford Escape insurance costs for each age group. The information is based on a single male driver, comp and collision included, and no discounts are factored in.

How violations and accidents impact rates

The chart below highlights how speeding tickets and at-fault accidents can affect Ford Escape yearly insurance costs for each different age category. The prices are based on a married male driver, full coverage, $500 deductibles, and no additional discounts are factored in.

Lower rates by qualifying for these seven discounts

Insuring your fleet can be pricey, but there are discounts available that could drop your premiums quite a bit. Certain credits will be shown when you quote, but some must be asked about before they will apply. If you are not receiving all the discounts you deserve, you could be paying more than you need to.

• Telematics Data Discounts – Drivers who elect to allow their company to spy on driving habits by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction if they are good drivers.
• Discount for Passive Restraints – Factory options such as air bags may qualify for discounts of up to 25% or more.
• Payment Discounts – If you can afford to pay the entire bill instead of monthly or quarterly installments you may have a lower total premium amount.
• Anti-lock Brake System – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
• Military Rewards – Having a deployed family member could be rewarded with lower rates.
• Student in College – Kids who live away from home at college and don’t have a car may be able to be covered for less.
• Homeowners Savings – Just being a homeowner can save a few bucks because it shows financial diligence.

One thing to note about discounts is that most discounts do not apply to all coverage premiums. Most only cut specific coverage prices like medical payments or collision. So when it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

The diagram below illustrates the difference between Ford Escape insurance rates with and without discounts applied to the rates. The price estimates are based on a male driver, no claims or violations, Pennsylvania state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, homeowner, safe-driver, marriage, and multi-policy discounts applied.

Popular insurance companies and a summarized list of policyholder discounts are detailed below.

• Farmers Insurance has savings for distant student, multi-car, alternative fuel, homeowner, business and professional, and pay in full.
• Esurance offers discounts for good student, multi-car, Switch & Save, safety device, renters, anti-theft, and anti-lock brakes.
• State Farm offers discounts including good student, driver’s education, multiple autos, defensive driving training, student away at school, good driver, and Drive Safe & Save.
• GEICO includes discounts for five-year accident-free, good student, anti-theft, military active duty, air bags, and driver training.
• Allstate discounts include teenSMART discount, economy car, defensive driver, EZ pay plan discount, and resident student.

Double check with each company the best way to save money. Savings may not be available in your area. If you would like to view insurers who offer online Ford Escape insurance quotes in Philadelphia, follow this link.

Insurance can be complex

When choosing the right insurance coverage for your vehicles, there really is not a single plan that fits everyone. Every situation is different so your insurance should reflect that
Here are some questions about coverages that can aid in determining whether or not you might need an agent’s assistance.

• When would I need rental car insurance?
• Can my babysitter drive my car?
• If my Ford Escape is totaled, can I afford another vehicle?
• Is extra glass coverage worth it?
• If my pet gets injured in an accident are they covered?
• Is my state a no-fault state?
• Am I covered if my car is in a flood?
• Does liability extend to a camper or trailer?
• Is other people’s property covered if stolen from my vehicle?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

Car insurance is available from agents near you

Certain consumers still prefer to go talk to an agent and doing that can be a smart decision Licensed agents can point out coverage gaps and give you someone to call. The best thing about comparing rates online is the fact that drivers can get better rates and still choose a local agent.

Upon completion of this short form, your insurance coverage information is submitted to local insurance agents in Philadelphia who will give you quotes for your insurance coverage. It makes it easy because there is no need to drive around due to the fact that quote results will go directly to your email. If you need to quote rates from a specific car insurance provider, feel free to go to their quote page and fill out their quote form.

Picking the best company should depend on more than just the price. The answers to these questions are important, too.

• Does the agent help file claims?
• By raising physical damage deductibles, how much would you save?
• Do you have coverage for a rental car if your vehicle is in the repair shop?
• Are they in the agency full-time?
• How many years have they been established?

Choose the right car insurance agent

If you are searching for a local insurance agency, it’s helpful to know the different types of agencies that you can select. Agencies in Philadelphia can either be independent agents or exclusive agents depending on their employer. Both types can sell car insurance policies, but it’s important to point out the differences since it could factor into buying decisions.

Exclusive Agencies

Agents in the exclusive channel have only one company to place business with and examples are Farmers Insurance, State Farm, or Allstate. They usually cannot provide rate quotes from other companies so always compare other rates. Exclusive agents are very knowledgeable on sales techniques and that allows them to sell at a higher price point.

Below is a short list of exclusive insurance agents in Philadelphia who may provide you with comparison quotes.

More Philadelphia agents

Independent Agents (or Brokers)

Agents in the independent channel are not limited to a single company and that is an advantage because they can write policies with multiple insurance companies depending on which coverage is best. To transfer your coverage to a different company, they simply move your policy to a different company and you can keep the same agent.

When comparing rate quotes, you definitely need to get insurance quotes from at a minimum one independent agency to ensure the widest selection of prices.

Shown below are independent agencies in Philadelphia that are able to give rate quotes.

More Philadelphia agents

Parts of your car insurance policy

Learning about specific coverages of your policy can help you determine appropriate coverage at the best deductibles and correct limits. Car insurance terms can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages offered by car insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Ford Escape.

Due to the fact that many Pennsylvania drivers only carry the minimum required liability limits (Pennsylvania limits are 15/30/5), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hitting a deer, damage from flooding, a broken windshield and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as colliding with a tree, sideswiping another vehicle, hitting a parking meter, sustaining damage from a pot hole and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible on your Escape to save money on collision insurance.

Liability coverages

This protects you from damages or injuries you inflict on a person or their property by causing an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 15/30/5 that translate to $15,000 bodily injury coverage, $30,000 for the entire accident, and property damage coverage for $5,000.

Liability coverage pays for claims like loss of income, attorney fees, legal defense fees and pain and suffering. How much coverage you buy is up to you, but consider buying as much as you can afford. Pennsylvania requires drivers to carry at least 15/30/5 but you should consider buying more liability than the minimum.

The illustration below shows why minimum state limits may not be high enough to adequately cover claims.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like X-ray expenses, nursing services, hospital visits and ambulance fees. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

How much can you save?

As you go through the steps to switch your coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many situations where consumers will sacrifice collision coverage and learned later that it was a big mistake. Your goal is to get the best coverage possible at the lowest possible cost, but don’t skip important coverages to save money.

Affordable Ford Escape insurance in Philadelphia can be bought on the web in addition to local insurance agencies, so you need to quote Philadelphia car insurance with both to get a complete price analysis. Some insurance providers don’t offer rates over the internet and usually these regional carriers only sell coverage through independent insurance agents.

We just presented a lot of ways to get a better price on Ford Escape insurance in Philadelphia. The key concept to understand is the more you quote Philadelphia car insurance, the higher your chance of finding affordable Ford Escape insurance quotes. You may even discover the lowest rates come from a small mutual company. Regional companies may cover specific market segments cheaper than the large multi-state companies such as State Farm and Allstate.

For more information, feel free to visit these articles:

• What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
• Who Has Affordable Auto Insurance for a Ford F-150 in Philadelphia? (FAQ)
• How Much is Philadelphia Auto Insurance for Teenage Males? (FAQ)
• Who Has Cheap Auto Insurance for Handicapped Drivers in Philadelphia? (FAQ)
• Who Has Affordable Philadelphia Auto Insurance Quotes for Uber Drivers? (FAQ)
• Who Has Cheap Car Insurance Quotes for Veterans in Philadelphia? (FAQ)
• Tread Depth and Tire Safety (State Farm)
• Safety Belts FAQ (iihs.org)
• Determining Auto Insurance Rates (GEICO)