Compare Ford Escape Insurance Quotes in Corpus Christi

It’s an obvious assumption that auto insurance companies don’t want customers comparing rates. People who shop around for better prices are likely to switch auto insurance companies because there is a good chance of finding discount prices. A recent auto insurance study revealed that people who faithfully checked for cheaper rates saved an average of $72 a month as compared to drivers who never compared other company’s rates.

If finding the best rates on auto insurance is why you’re reading this, knowing the best way to quote and compare auto insurance can help simplify the process.

It takes a few minutes, but the best way to get low-cost Ford Escape insurance is to compare prices at least once a year from providers that insure vehicles in Corpus Christi.

First, read about coverages and the things you can change to prevent rate increases. Many rating criteria that drive up the price like speeding tickets, accidents and an unacceptable credit rating can be controlled by paying attention to minor details. Later in this article we will cover additional ideas to get cheaper coverage and find missing discounts.

Second, compare prices from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give rate quotes from one company like GEICO and State Farm, while agents who are independent can provide rate quotes from multiple companies.

Third, compare the new rates to your current policy to determine if switching companies saves money. If you can save money and decide to switch, verify that coverage does not lapse between policies.

The most important part of shopping around is that you’ll want to compare identical limits and deductibles on each price quote and and to look at as many companies as possible. Doing this guarantees the most accurate price comparison and a better comparison of the market.

Auto insurance policy discounts for Ford Escape insurance in Corpus Christi

Car insurance can cost a lot, but you might already qualify for some discounts to reduce the price significantly. Some discounts apply automatically at the time of quoting, but a few must be specially asked for before they will apply. If you are not receiving all the discounts you qualify for, you could be getting lower rates.

• Discount for Low Mileage – Driving less could be rewarded with cheaper auto insurance rates.
• Discounts for New Vehicles – Buying auto insurance coverage on a new vehicle can get you a discount since new model year vehicles have better safety ratings.
• Renewal Discounts – Some companies provide a discount for buying a new policy early. You can save around 10% with this discount.
• Accident Forgiveness – Not necessarily a discount, but a few companies such as Liberty Mutual, Allstate and State Farm will let one accident slide without getting socked with a rate hike if your claims history is clear for a specific time period.
• No Accidents – Claim-free drivers pay less as opposed to accident-prone drivers.
• Multiple Vehicles – Buying coverage for multiple cars or trucks with one company could earn a price break for each car.
• Multi-policy Discount – If you combine your homeowners and auto policies with one company they may give you a discount of at least 10 to 15 percent or more.
• Student Discount for Driver Training – Cut your cost by having your teen driver enroll and complete driver’s education if it’s offered in school.
• Drive Safe and Save – Drivers without accidents could pay up to 40% less than less cautious drivers.

Policy discounts save money, but most of the big mark downs will not be given to your bottom line cost. Some only apply to specific coverage prices like liability, collision or medical payments. Despite the fact that it seems like you could get a free auto insurance policy, companies wouldn’t make money that way. Any qualifying discounts will definitely lower the amount you have to pay.

The chart below shows the difference between Ford Escape insurance rates with and without discounts applied to the policy rates. The premiums assume a male driver, no claims or driving violations, Texas state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, claim-free, multi-policy, safe-driver, and marriage discounts applied.

A list of companies and the discounts they provide are included below.

• Progressive offers discounts including homeowner, online quote discount, multi-vehicle, continuous coverage, multi-policy, and good student.
• MetLife includes discounts for defensive driver, claim-free, multi-policy, accident-free, good driver, good student
• Mercury Insurance has discounts for multi-policy, type of vehicle, good driver, good student, location of vehicle, accident-free, and ease of repair.
• Nationwide offers discounts for multi-policy, family plan, easy pay, good student, and anti-theft.
• GEICO policyholders can earn discounts including membership and employees, military active duty, multi-vehicle, air bags, multi-policy, and anti-lock brakes.
• AAA discounts include multi-car, AAA membership discount, anti-theft, good student, and pay-in-full.

If you are trying to find affordable Corpus Christi car insurance quotes, ask every prospective company to give you their best rates. Savings might not apply in Corpus Christi.

To find the best auto insurance quotes, there are several ways to get quotes from many auto insurance companies in Texas. The easiest way by far to compare rates is to jump online and get quotes.

It’s so simple to compare auto insurance rates online makes it a waste of time to make phone calls or go to each insurance agency near you. The ability to get quotes online has reduced the need for local agents unless you have a need for the professional advice of a local Corpus Christi agent. It is possible with some companies price shop online but have your policy serviced through an agent.

When quoting auto insurance, remember that comparing a wide range of rates will improve the odds of getting a better price.

The auto insurance companies shown below are ready to provide quotes in Corpus Christi, TX. In order to find cheap auto insurance in Corpus Christi, it’s highly recommended you visit as many as you can to find the lowest auto insurance rates.

Ford Escape insurance coverage information

The rate table shown below showcases detailed analysis of insurance prices for Ford Escape models. Learning how premiums are established can help customers make smart choices when selecting a coverage provider.

Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Rates do not factor in Corpus Christi location which can lower or raise premium rates greatly.

Insurance deductibles

One of the most common insurance questions is where to set your physical damage deductibles. The following insurance rates may help to conceptualize the difference in cost when you select higher and lower physical damage deductibles. The first rate estimation uses a $100 deductible for physical damage and the second pricing table uses a $1,000 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Price information does not factor in specific location information which can modify insurance rates significantly.

Based on the above data, using a $100 deductible will cost you roughly $33 more each month or $396 each year than opting for the higher $1,000 deductible. Since you would have to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go at a minimum 27 months between claims, you would probably save some money by selecting a higher deductible.

The diagram below demonstrates how choosing different deductibles and can change Ford Escape yearly insurance costs for different age groups. The data assumes a married female driver, comp and collision included, and no discounts are taken into consideration.

Full coverage rates vs. liability-only

The chart below visualizes the comparison of Ford Escape car insurance rates with full coverage and liability only. The premiums assume no driving violations, no at-fault accidents, $250 deductibles, drivers are not married, and no discounts are taken into consideration.

When to buy liability coverage only

There is no specific rule of when to exclude physical damage coverage, but there is a guideline you can consider. If the yearly cost of full coverage is 10% or more of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.

For example, let’s pretend your Ford Escape book value is $3,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $2,000 after you pay the deductible. If you are paying more than $200 annually for your policy with full coverage, then it’s probably a good time to buy liability coverage only.

There are some scenarios where eliminating full coverage is not a good idea. If you still have a lienholder on your title, you have to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should keep full coverage in place.

Informed Consumers Save Money

Many different elements are used in the calculation when premium rates are determined. Most are fairly basic such as your driving record, but some are more transparent such as whether you are married or how safe your car is. A large part of saving on car insurance is knowing some of the elements that are used to determine the price you pay for car insurance. If you understand what determines base rates, this allows you to make good choices that can earn you big savings.

How your age affects premiums – Older drivers tend to be more responsible, cost insurance companies less in claims, and receive fewer citations. Young drivers have been known to be inattentive with other occupants in the car therefore car insurance rates are much higher.

The data below is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.

Where you live is a factor – Residing in less populated areas is a positive aspect when trying to find low car insurance rates. Fewer drivers corresponds to lower accident rates and a lower car theft rate. Urban drivers regularly have more traffic problems and a longer drive to work. Spending more time driving statistically corresponds to a higher accident and claim rate.

Bad credit will cost you – An insured’s credit history is likely to be a major factor in determining premium rates. Therefore, if your credit leaves room for improvement, you could pay less to insure your Ford Escape by taking the time to improve your credit score. Insureds with very good credit scores tend to be more responsible and file fewer claims than drivers with lower ratings.

Careless driving means higher premiums – A bad driving record has a huge affect on how much you pay. Careful drivers pay lower auto insurance prices than their less careful counterparts. Even a single chargeable violation can boost insurance rates to the point where it’s not affordable. Drivers who have received dangerous tickets such as DUI, reckless driving or excessive speeding may face state-mandated requirements to submit a SR-22 form with their state motor vehicle department in order to prevent a license revocation.

The diagram below demonstrates how traffic citations and fender-benders can affect Ford Escape annual premium costs for each different age category. The information is based on a single male driver, comp and collision included, $1,000 deductibles, and no discounts are applied.

Loss statistics for a Ford Escape – Insurance companies use data from past claims to calculate a rate that will offset any claims. Models that historically have a trend towards higher claims will have higher premium rates.

The table below illustrates the insurance loss data used by companies for Ford Escape vehicles. For each policy coverage type, the loss probability for all vehicles combined as an average is set at 100. Values below 100 indicate better than average losses, while numbers above 100 indicate higher probability of having a loss or statistically larger claims.

Neighborhood insurance agents

Some people would rather have an agent’s advice and doing so can bring peace of mind A nice benefit of comparing rate quotes online is that you can find lower prices and still have a local agent. Buying from and supporting neighborhood agents is especially important in Corpus Christi.

Once you complete this simple form, your coverage information is immediately sent to insurance agents in Corpus Christi who will give competitive quotes for your car insurance coverage. It simplifies rate comparisons since you won’t have to do any legwork due to the fact that quote results will go to your email. You can find better rates and a licensed agent to work with. In the event you want to compare rates from a particular provider, you can always navigate to their website and give them your coverage information.

Multiple types of car insurance agents in Corpus Christi

If you want to use a local agent, it can be helpful to understand the different types of agencies and how they can write your policy. Car insurance policy providers are classified as either independent agents or exclusive agents depending on their employer.

Independent Agents (or Brokers)

Independent agents can sell policies from many different companies so as a result can place your coverage with an assortment of companies and get you the best rates possible. If your agent finds better pricing, your policy is moved internally without you having to go to a different agency.

If you are trying to find cheaper rates, you need to get insurance quotes from a few independent agents so that you have a good selection of quotes to compare.

Shown below are independent insurance agents in Corpus Christi that may be able to provide competitive price quotes.

More Corpus Christi agents

Exclusive Car Insurance Agencies

Agents that elect to be exclusive normally can only provide a single company’s rates and some examples include Allstate, State Farm and Farm Bureau. Exclusive agents are unable to provide rate quotes from other companies so it’s a take it or leave it situation. Exclusive agencies are usually quite knowledgeable on the products they sell which helps offset the inability to provide other markets.

Shown below are exclusive agents in Corpus Christi willing to provide price quote information.

More Corpus Christi agents

Finding the right insurance agency shouldn’t rely on just a low price. These are some valid questions you should ask.

• Do the agents have professional certifications like CPCU or CIC?
• Are you getting all the discounts the company offers?
• Is the quote a firm price?
• Does the agency have a positive business rating?
• Can they provide you with a list of referrals?
• When do they do a full risk review?
• Do they offer rental car reimbursement?

Here’s why car insurance is not optional

Even though Corpus Christi Escape insurance rates can get expensive, buying car insurance is required in Texas but also provides important benefits.

First, just about all states have compulsory liability insurance requirements which means you are required to carry a minimum amount of liability insurance coverage in order to get the vehicle licensed. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you took out a loan on your Escape, most banks will make it mandatory that you buy full coverage to protect their interest in the vehicle. If you do not pay your insurance premiums, the bank may buy a policy for your Ford at a significantly higher premium and require you to fork over for it.

Third, car insurance protects both your car and your assets. Insurance will also pay for hospital and medical expenses incurred in an accident. Liability insurance will also pay attorney fees if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will pay to have it repaired.

The benefits of buying car insurance are definitely more than the cost, especially with large liability claims. As of last year, the average driver in Texas overpays as much as $869 every year so shop around at every policy renewal to help ensure money is not being wasted.

Quote often and quote early

Budget-friendly auto insurance in Corpus Christi is attainable online and from local agencies, and you need to comparison shop both in order to have the best price selection to choose from. Some auto insurance companies may not provide the ability to get quotes online and these regional insurance providers prefer to sell through independent agents.

We covered a lot of tips how to save on Ford Escape insurance in Corpus Christi. It’s most important to understand that the more price quotes you have, the higher your chance of finding the cheapest Ford Escape rate quotes. Drivers may even discover the lowest premium rates are with a company that doesn’t do a lot of advertising. They may have significantly lower prices on certain market segments than their larger competitors like State Farm, GEICO and Nationwide.

Much more information about auto insurance in Texas can be found below:

• Winter Driving (Insurance Information Institute)
• Who Has the Cheapest Car Insurance for a Jeep Grand Cherokee in Corpus Christi? (FAQ)
• Who Has the Cheapest Corpus Christi Car Insurance for Drivers Requiring a SR22? (FAQ)
• How Much is Auto Insurance for a Chevrolet Malibu in Corpus Christi? (FAQ)
• Who Has Cheap Corpus Christi Car Insurance for a Ford Explorer? (FAQ)
• Teen Driver Statistics (Insurance Information Institute)
• Learn About Car Insurance (GEICO)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)