Compare Ford Escape Insurance Rates in Stockton

Insurance quote for Ford Escape in StocktonSearching for cheaper Ford Escape insurance in Stockton? Locating cheap Stockton Ford Escape insurance quotes can seem to be problematic for consumers who are new to comparing prices on the web. Since there are so many companies competing online, how are consumers expected to even start to compare them all to find the best price?

How to quote cheaper Ford Escape insurance in Stockton

The best way to get affordable Ford Escape insurance is to regularly compare prices from insurance carriers who provide car insurance in Stockton.

The most important part of this process is to use the same amount of coverage on each price quote and and to get rates from as many companies as possible. Doing this ensures an accurate price comparison and the best price selection.

Astonishing but true, the vast majority of auto insurance customers have stayed with the same insurance company for more than four years, and nearly half have never shopped around. Drivers in Stockton could save almost $500 every year just by comparing rates, but they just don’t want to compare other rate quotes.

If you have coverage now, you will be able to get lower rates using the following tips. We hope to familiarize you with the best ways to compare prices and how you can save the most money. Nevertheless, California drivers can benefit from knowing how companies calculate your auto insurance rates because rates are impacted by many factors.

Compare Ford Escape insurance rates

To get affordable Ford Escape insurance quotes, there a variety of ways to compare rate quotes from different companies. One of the best ways to compare rates is to perform an online rate comparison.

When price shopping your coverage, more quotes helps improve the odds of finding a better price. Some companies don’t provide Stockton Escape insurance quotes over the internet, so it’s necessary to compare rates on coverage from those companies, too.

The companies in the list below can provide free quotes in Stockton, CA. If the list has multiple companies, we suggest you click on several of them to get the lowest price.

Why you need to buy car insurance

Even though Stockton Escape insurance rates can get expensive, insurance is a good idea for several reasons.

First, most states have mandatory liability insurance requirements which means you are required to carry specific minimum amounts of liability insurance in order to license the 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.

Second, if you bought your car with a loan, it’s guaranteed your bank will stipulate that you have physical damage coverage to ensure they get paid if you total the vehicle. If you cancel or allow the policy to lapse, the bank may buy a policy for your Ford at a much higher rate and force you to pay much more than you were paying before.

Third, insurance safeguards your car and your assets. Insurance will also pay for medical transport and hospital expenses for you, your passengers, and anyone else injured in an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of having car insurance outweigh the cost, particularly if you ever have a claim. As of last year, the average driver in California is overpaying more than $865 each year so it’s very important to do a rate comparison once a year at a minimum to save money.

Ford Escape detailed coverage information

The table displayed below covers detailed analysis of insurance policy prices for Ford Escape models. Learning more about how auto insurance prices are determined is important for you to make decisions on which insurance to purchase.

Ford Escape Insurance Rates in Stockton, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $270 $434 $386 $22 $116 $1,228 $102
Escape XLS 4WD $270 $434 $386 $22 $116 $1,228 $102
Escape XLT 2WD $270 $434 $386 $22 $116 $1,228 $102
Escape Limited 2WD $310 $434 $386 $22 $116 $1,268 $106
Escape XLT 4WD $310 $434 $386 $22 $116 $1,268 $106
Escape Limited 4WD $310 $530 $386 $22 $116 $1,364 $114
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Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Table data does not factor in specific location which can impact rates substantially.

Analysis of deductible levels

The hardest decision when buying coverage is the level to set your comp and collision deductibles. The following tables approximate the differences in price of buying low and high insurance deductibles. The first price estimate table uses a $100 comprehensive and collision deductible and the second set of prices uses a $500 deductible.

Ford Escape insurance rates 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 rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $242 $382 $376 $22 $112 $1,134 $95
Escape XLS 4WD $242 $382 $376 $22 $112 $1,134 $95
Escape XLT 2WD $242 $382 $376 $22 $112 $1,134 $95
Escape Limited 2WD $278 $382 $376 $22 $112 $1,170 $98
Escape XLT 4WD $278 $382 $376 $22 $112 $1,170 $98
Escape Limited 4WD $278 $464 $376 $22 $112 $1,252 $104
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Table data does not factor in specific location which can impact auto insurance rates considerably.

We can derive from the above data that using a $100 deductible would cost the average driver about $25 more each month or $300 every year across all Ford Escape models than opting for the higher $500 deductible. Because you would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you average at a minimum 16 months between claims, you would save money by selecting a higher deductible.

How to calculate if higher deductibles make sense

Average monthly premium for $100 deductibles: $123
Average monthly premium for $500 deductibles (subtract): – $98
Monthly savings from raising deductible: $25
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $25
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

Careless drivers pay higher rates

The diagram below illustrates how speeding tickets and at-fault fender-benders can impact Ford Escape annual premium costs for different age categories. The premiums are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.

Ford Escape liability rates compared to full coverage

The illustration below shows the comparison of Ford Escape insurance premiums with full physical damage coverage compared to only buying the minimum liability limits required in California. The rates are based on no tickets, no at-fault accidents, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.

When to drop full coverage

There is no exact rule for excluding full coverage on your policy, but there is a general school of thought. If the annual cost of having full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.

For example, let’s assume your Ford Escape replacement value is $6,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company would pay you is $5,000 after paying your policy deductible. If it’s costing in excess of $500 annually for full coverage, then you might want to think about dropping full coverage.

There are some conditions where dropping full coverage is not recommended. If you still have a loan on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not drop full coverage.

Stockton auto insurance discounts

Car insurance is not cheap, but you may find discounts that can dramatically reduce your bill. A few discounts will automatically apply at the time of quoting, but a few must be asked about prior to receiving the credit.Auto insurance discounts

It’s important to understand that some of the credits will not apply to all coverage premiums. Some only reduce individual premiums such as comprehensive or collision. So when it seems like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

The chart below illustrates the comparison of Ford Escape yearly insurance costs with and without policy discounts. The data is based on a male driver, no claims or driving citations, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, homeowner, marriage, multi-car, and claim-free discounts applied.

To see a list of insurance companies with the best discounts in Stockton, click here.

Local agents and insurance

A lot of people prefer to sit down and talk to an agent and that is just fine! An additional benefit of getting online price quotes is that drivers can save money and get cheap rate quotes and still choose a local agent.

After filling out this quick form, your information gets sent to insurance agents in Stockton who will gladly provide quotes and help you find cheaper coverage. You won’t even need to do any legwork as quotes are delivered instantly to you. You can find better rates AND an agent nearby. If you want to get a comparison quote from a particular provider, feel free to visit that company’s website and give them your coverage information.

Finding the right company needs to be determined by more than just a low price. A good agent in Stockton will have answers to these questions.

If you want a local insurance agency, it can be helpful to understand the types of agencies to choose from. Agents are classified as either independent agents or exclusive agents depending on their employer.

Exclusive Insurance Agents

Agents that choose to be exclusive work for only one company like Allstate, State Farm and Farmers Insurance. Exclusive agents are unable to compare other company’s rates so keep that in mind. Exclusive agents are well schooled on the products they sell which helps them sell insurance even at higher premiums. Some consumers prefer to buy from the same agent for years mainly due to high brand loyalty and solid financial strength.

Below are exclusive insurance agencies in Stockton that are able to give price quote information.

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Independent Agents (or Brokers)

Agents that choose to be independent do not have single company limitations so as a result can place your coverage through many companies depending on which coverage is best. If you want to switch companies, your agent can switch companies and you stay with the same agent. If you are comparing rate quotes, we recommend you contact 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 can offer cheaper rates than bigger companies.

The following is a short list of independent insurance agencies in Stockton that are able to give comparison quotes.

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Car insurance companies ranked

Finding the top auto insurance company can be rather challenging considering how many different companies there are to choose from in Stockton. The information shown below could help you select which auto insurers you want to consider to insure your vehicles.

Top 10 Stockton Car Insurance Companies Ranked by Claims Service

  1. AAA of Southern California
  2. State Farm
  3. Esurance
  4. AAA Insurance
  5. Progressive
  6. Liberty Mutual
  7. GEICO
  8. Allstate
  9. Titan Insurance
  10. The Hartford

Top 10 Stockton Car Insurance Companies Overall

  1. USAA
  2. American Family
  3. AAA of Southern California
  4. State Farm
  5. The Hartford
  6. AAA Insurance
  7. GEICO
  8. The General
  9. Titan Insurance
  10. Progressive

In conclusion

Budget-friendly auto insurance in Stockton can be bought on the web in addition to local insurance agencies, so you should be comparing quotes from both in order to have the best chance of saving money. A few companies do not provide online quoting and these regional carriers only sell coverage through independent agents.

People switch companies for a number of reasons such as denial of a claim, an unsatisfactory settlement offer, extreme rates for teen drivers and high prices. It doesn’t matter why you want to switch finding a great new company is not as hard as you think.

As you go through the steps to switch your coverage, do not skimp on coverage in order to save money. Too many times, drivers have reduced uninsured motorist or liability limits only to find out that they should have had better coverage. Your objective should be to purchase a proper amount of coverage at the best cost, but don’t skip important coverages to save money.

How to quote cheaper Ford Escape insurance in Stockton

The easiest way to get the cheapest Ford Escape insurance is to start comparing prices yearly from providers who can sell car insurance in Stockton.

First, take a few minutes and learn about what coverages are included in your policy and the things you can control to prevent rate increases. Many rating factors that result in higher rates such as traffic violations and a not-so-good credit rating can be improved by paying attention to minor details.

Second, compare price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can provide rates from one company like Progressive or State Farm, while independent agents can provide rate quotes for a wide range of insurance providers.

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 buy the policy, make sure there is no coverage gap between policies.

One tip to remember is that you’ll want to make sure you compare similar deductibles and liability limits on each price quote and and to get price estimates from as many different companies as possible. This ensures a fair price comparison and a complete rate analysis.

Additional information