Affordable Rates for Ford Escape Insurance in Irvine

If you want to find the absolute lowest rates, then the best way to find lower priced auto insurance rates in Irvine is to regularly compare price quotes from providers in California.

Step 1: Take a few minutes and learn about the coverage provided by your policy and the modifications you can make to keep rates in check. Many factors that cause rate increases such as accidents, traffic tickets, and a poor credit score can be eliminated by paying attention to minor details.

Step 2: Request price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only quote rates from one company like GEICO or Farmers Insurance, while agents who are independent can quote prices for many different companies.

Step 3: Compare the new rate quotes to your existing coverage to determine if you can save on Escape insurance. If you can save money, make sure there is no lapse between the expiration of your current policy and the new one.

One thing to point out is to make sure you enter the same coverage limits and deductibles on each price quote and and to analyze as many car insurance companies as possible. Doing this ensures a level playing field and many rates to choose from.

Insurance rates Ford Escape in IrvineIt’s easy to assume that car insurance companies don’t want policyholders to compare prices from other companies. Insureds who shop around for cheaper price quotes will, in all likelihood, buy a different policy because there is a significant possibility of finding a lower-priced policy. Remarkably, a study showed that consumers who regularly compared rates saved as much as $3,400 over four years compared to other drivers who don’t make a habit of comparing rates.

If finding the most affordable insurance in Irvine is your objective, knowing how to find and compare coverages can make it simple to find affordable coverage.

Most companies like Allstate and Progressive make it easy to get pricing online. Obtaining pricing for Ford Escape insurance in Irvine is quite simple as you simply type in your coverage information on the page. After you complete the form, their rating system sends out for credit information and your driving record and generates pricing information based on these factors. The ability to get online rate quotes for Ford Escape insurance in Irvine makes comparing rates easy, and it’s necessary to get many rate quotes if you want to find lower-cost auto insurance pricing.

To compare pricing, compare rates now from the companies shown below. If you have your current policy handy, we recommend you type in the insurance coverages as close as possible to your current policy. This helps ensure you will be getting a fair comparison for exact coverage.

The providers in the list below have been selected to offer price comparisons in Irvine, CA. If multiple companies are listed, we suggest you get price quotes from several of them to get a more complete price comparison.

Get cheap rates on Ford Escape insurance in Irvine with these discounts

Car insurance companies don’t always list the entire discount list in an easy-to-find place, so the following is a list of both the well known as well as some of the hidden discounts that you can inquire about if you buy Irvine auto insurance online.Save money with discounts

A little note about advertised discounts, some of the credits will not apply to the overall cost of the policy. Some only reduce specific coverage prices like comprehensive or collision. Just because it seems like it’s possible to get free car insurance, companies wouldn’t make money that way. But all discounts will help lower the cost of your policy.

The example below illustrates the difference between Ford Escape annual premium costs with and without discounts applied to the policy rates. The premiums assume a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, homeowner, multi-policy, multi-car, and claim-free discounts applied.

A few of the larger companies and a selection of discounts are detailed below.

When getting a coverage quote, ask every prospective company the best way to save money. Savings might not be offered in Irvine.

Coverage analysis

The data table displayed next showcases a range of prices for Ford Escape models. Understanding how car insurance prices are calculated is important for making smart choices when choosing a car insurance company.

Ford Escape Insurance Rates in Irvine, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $256 $464 $424 $26 $128 $1,298 $108
Escape XLS 4WD $256 $464 $424 $26 $128 $1,298 $108
Escape XLT 2WD $256 $464 $424 $26 $128 $1,298 $108
Escape Limited 2WD $294 $464 $424 $26 $128 $1,336 $111
Escape XLT 4WD $294 $464 $424 $26 $128 $1,336 $111
Escape Limited 4WD $294 $564 $424 $26 $128 $1,436 $120
Get Your Own Custom Quote Go

Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Information does not factor in specific zip code location which can lower or raise auto insurance rates greatly.

The diagram below demonstrates how deductibles and can affect Ford Escape insurance rates for different age groups of insureds. The premiums are based on a married female driver, full coverage, and no additional discounts are factored in.

Difference between full coverage and liability only rates

The chart below compares Ford Escape auto insurance costs with full coverage and liability only. The price estimates are based on a clean driving record, no claims, $250 deductibles, drivers are not married, and no other discounts are factored in.

When to drop comp and collision

There is no specific rule that works best for making the decision to drop comp and collision coverage, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than 10% of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.

For example, let’s pretend your Ford Escape replacement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $7,000 after paying your policy deductible. If premium cost is more than $700 a year for physical damage coverage, then it’s probably a good time to buy liability coverage only.

There are some scenarios where dropping full coverage is not a good idea. If you still owe money on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should keep full coverage on your policy.

Insurance agents can give valuable advice

Many drivers prefer to buy from a local agent and that can be a smart move The best thing about comparing rate quotes online is that drivers can save money and get the lowest rates and still have an agent to talk to. And supporting neighborhood agents is definitely important in Irvine.

Insurance agents in IrvineTo find an agent, once you fill out this short form, the coverage information is immediately sent to insurance agents in Irvine who will give you quotes and help you find cheaper coverage. There is no need to contact an agency since price quotes are sent to your email. You can find the lowest rates AND an agent nearby. In the event you want to compare prices from one company in particular, just jump over to their website and fill out the quote form the provide.

If you need to find a local agent, you must know there are a couple types of agencies and how they function. Irvine agents are categorized either independent agents or exclusive agents depending on their employer.

Independent Agencies or Brokers

Independent agents are not employed by one company and that gives them the ability to insure through lots of different companies and get the cheapest rates. If you want to switch companies, an independent agent can move your coverage and you don’t have to do anything. When comparing auto insurance prices, we recommend you include rate quotes from a couple of independent agencies to get the best comparison.

The following is a small list of independent agencies in Irvine that may be able to give you free auto insurance rate quotes.

Sentry Insurance – Irvine
16815 Von Karman Ave #200Irvine, CA 92606(949) 930-6100View Map

3151 Airway Ave Suite F203Costa Mesa, CA 92626(714) 258-2800View Map

10 Hughes # 205Irvine, CA 92618(949) 458-0442View Map

View more Irvine agents

Exclusive Insurance Agencies

Exclusive agents can only provide one company’s prices and examples are State Farm, AAA, and Liberty Mutual. Exclusive agents are unable to give you multiple price quotes so if the price isn’t competitive there isn’t much they can do. These agents are usually well trained on their company’s products and that allows them to sell at a higher price point.

The following are Irvine exclusive agents that are able to give rate quotes.

1442 Irvine Blvd #204Tustin, CA 92780(714) 734-8300View Map

Mike Stitt – State Farm Insurance Agent
17452 Irvine Blvd #208Tustin, CA 92780(714) 544-4717View Map

30 Corporate ParkIrvine, CA 92606(949) 223-5020View Map

View more Irvine agents

Choosing the best insurance agency needs to be determined by more than just the bottom line cost. These are some valid questions you should ask.

If you feel you receive good feedback to these questions and a good coverage price, most likely you have located a car insurance agent that is reliable enough to provide auto insurance coverage.

Which is the best car insurance?

When choosing proper insurance coverage, there really isn’t a one-size-fits-all type of policy. Everyone’s needs are different and your car insurance should be unique as well.Drive safe and save
For example, these questions can aid in determining whether your personal situation could use an agent’s help.

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

How You Can Control Ford Escape Insurance Costs

Many different elements are taken into consideration when you get a price on insurance. Some of the criteria are obvious like an MVR report, but other criteria are less apparent like your vehicle usage or your financial responsibility. The best way to find cheaper auto insurance is to take a look at the different types of things that play a part in calculating the rates you pay for auto insurance. When you know what positively or negatively determines base rates, this allows you to make good choices that may result in big savings.

Car insurance protects more than just your car

Despite the fact that car insurance is not cheap in Irvine, buying car insurance is required by state law in California and it also provides benefits you may not be aware of.

The benefits of having car insurance greatly outweigh the cost, particularly if you ever have a claim. Today the average American driver overpays more than $825 a year so shop around each time the policy renews to ensure rates are competitive.

Car insurance savings summarized

When buying insurance coverage, make sure you don’t buy poor coverage just to save money. There are too many instances where an accident victim reduced uninsured motorist or liability limits and learned later they didn’t purchase enough coverage. Your objective should be to find the BEST coverage at the best price and still be able to protect your assets.

You just read a lot of techniques to reduce Ford Escape insurance rates online in Irvine. The key concept to understand is the more quotes you get, the better likelihood of getting affordable Irvine auto insurance quotes. You may even find the best price on car insurance is with a lesser-known regional company. Some small companies may only write in your state and offer lower auto insurance rates as compared to the big name companies such as State Farm or Progressive.

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