How long has it been since you compared quotes for more competitive Ford Escape insurance in San Diego? Shopping for cheap San Diego Ford Escape insurance quotes can be difficult for drivers who are beginners to quoting and comparing rates on the internet. With such a large number of companies in the marketplace, how can anyone have a chance to compare every possible option in order to find better rates?
Inconceivable but true, 70% of consumers have bought car insurance from the same company for over three years, and approximately 38% of consumers have never even compared rates from other companies. Most drivers in California can cut their rates by approximately 35% a year by just comparing rate quotes, but they don’t want to spend time to compare other rate quotes.
If you have coverage now, you will most likely be able to find the best rates using these tips. The purpose of this post is to let you in on how insurance works. But California consumers must learn the way insurance companies compete online because it varies considerably.
Many insurance companies like State Farm and Allstate make it easy to get coverage prices from their websites. Getting online rates for Ford Escape insurance in San Diego doesn’t take much effort as you just enter the amount of coverage you want as detailed in the form. Once entered, their quoting system will obtain information on your driving record and credit history and returns a price quote based on the information you submitted.
This makes it simple to compare prices and it’s also necessary to do this in order to find the most affordable car insurance rates.
If you want to find out what other companies charge, compare quotes from the companies shown below. If you have a policy now, it’s recommended you copy deductibles and limits identical to your current policy. Doing this guarantees you will have rate quotes based on similar coverages.
The following companies have been selected to offer free quotes in San Diego, CA. If multiple companies are shown, we recommend you get prices from several of them to get the best price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Escape XLS 2WD | $210 | $298 | $492 | $30 | $148 | $1,178 | $98 |
| Escape XLS 4WD | $256 | $464 | $394 | $24 | $118 | $1,256 | $105 |
| Escape XLT 2WD | $258 | $480 | $360 | $22 | $108 | $1,228 | $102 |
| Escape Limited 2WD | $206 | $342 | $454 | $26 | $136 | $1,164 | $97 |
| Escape XLT 4WD | $294 | $488 | $424 | $26 | $128 | $1,360 | $113 |
| Escape Limited 4WD | $326 | $708 | $424 | $26 | $128 | $1,612 | $134 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Estimates do not factor in your specific San Diego location which can influence premium rates substantially.
Deductible analysis
The chart below illustrates how your choice of deductibles and can change Ford Escape insurance prices for each different age category. The premiums are based on a single male driver, comp and collision included, and no additional discounts are factored in.
Deductible analysis
When buying auto insurance, a common question is how low should you set your deductibles. The premium rates below can help illustrate how much more rates are when you buy lower versus higher policy deductibles. The first data set uses a $250 comprehensive and collision deductible and the second data table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Escape XLS 2WD | $298 | $472 | $376 | $22 | $112 | $1,305 | $109 |
| Escape XLS 4WD | $298 | $472 | $376 | $22 | $112 | $1,305 | $109 |
| Escape XLT 2WD | $298 | $472 | $376 | $22 | $112 | $1,305 | $109 |
| Escape Limited 2WD | $342 | $472 | $376 | $22 | $112 | $1,349 | $112 |
| Escape XLT 4WD | $342 | $472 | $376 | $22 | $112 | $1,349 | $112 |
| Escape Limited 4WD | $342 | $576 | $376 | $22 | $112 | $1,453 | $121 |
| Get Your Own Custom Quote Go | |||||||
| 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 | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Information does not factor in your specific San Diego location which can decrease or increase rates noticeably.
Using the data above, we can ascertain that using a $250 deductible will cost you approximately $27 more each month or $324 for a full year than requesting the higher $1,000 deductible. Since you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at least 28 months between claim filings, you would save money by going with a higher deductible.
How to decide to raise your deductibles
| Average monthly premium for $250 deductibles: | $112 |
| Average monthly premium for $1,000 deductibles (subtract): | – $85 |
| Monthly savings from raising deductible: | $27 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $27 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 28 months |
One important caveat is that a higher deductible level means you will have to pay more when you have a physical damage claim. That will require enough extra money in order to pay the higher deductible in order to repair your vehicle.
Irresponsible driving raises your rates
The chart below highlights how speeding tickets and at-fault accidents impact Ford Escape car insurance rates for different ages of insureds. The data assumes a married female driver, comp and collision included, $250 deductibles, and no discounts are applied to the premium.
Will just any policy work for me?
When buying adequate coverage for your personal vehicles, there really isn’t a one-size-fits-all type of policy. Coverage needs to be tailored to your specific needs so your insurance should reflect that
Here are some questions about coverages that can aid in determining if your situation might need an agent’s assistance.
- How high should deductibles be on a Ford Escape?
- Should I waive the damage coverage when renting a car?
- Does every company file a SR-22 automatically?
- Does my policy cover my teen driver if they drive my company car?
- Is my cargo covered for damage or theft?
- What are the liability requirements in my state?
- Am I missing any policy discounts?
- What happens if I owe more than my Ford Escape is worth?
- Why am I be forced to buy a membership to get insurance from some companies?
If you’re not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.
You may need help from an insurance agency
Some people prefer to go talk to an agent and that is recommended in a lot of cases A good thing about comparing rates online is that you can find cheap car insurance rates and also buy local. And supporting local insurance agencies is important particularly in San Diego.
For easy comparison, once you complete this simple form, the quote information gets sent to insurance agents in San Diego who can give free rate quotes for your coverage. It simplifies rate comparisons since you won’t have to drive around since rate quotes are delivered to your email. It’s the lowest rates and work with a local agent. If you want to get a rate quote from a specific company, don’t hesitate to jump over to their website and complete a quote there.
Pick the best auto insurance agent in San Diego for you
If you are wanting to purchase car insurance from local San Diego agents, you should know the types of agencies to choose from. Agents are either exclusive or independent.
Independent Car Insurance Agents
Agents in the independent channel often have affiliation with several companies and that enables them to quote your coverage amongst many companies and get you the best rates possible. If you want to switch companies, your policy is moved internally and you stay with the same agent. When comparing rates, we recommend you compare quotes from independent agents to ensure the widest selection of prices. A lot of them also have access to lesser-known insurance companies that may have much lower rates than larger companies.
Below is a short list of independent agents in San Diego that may be able to give you free rate quotes.
- Springbrook Insurance Agency
10650 Treena St #105 – San Diego, CA 92131 – (858) 391-3001 ext. 105 – View Map - Oversea Insurance Agency, Inc
1274 Scott St – San Diego, CA 92106 – (800) 266-2662 – View Map - Kostyo Insurance Agency
4456 Vandever Ave #10 – San Diego, CA 92120 – (619) 325-3600 – View Map
Exclusive Car Insurance Agents
Agents in the exclusive channel can only provide one company’s prices and examples are Allstate, State Farm and Farmers Insurance. These agents are not able to place coverage with different providers so they have no alternatives for high prices. Exclusive agents are trained well on sales techniques which helps them sell insurance even at higher premiums. Consumers frequently choose to use an exclusive agent primarily because of loyalty to the company rather than having the cheapest rates.
Below are exclusive insurance agencies in San Diego that are able to give comparison quotes.
- Albert Quiroga – State Farm Insurance Agent
8240 Mira Mesa Blvd G – San Diego, CA 92126 – (858) 695-8000 – View Map - Steve Elder – State Farm Insurance Agent
9225 Mira Mesa Blvd #208d – San Diego, CA 92126 – (858) 271-8928 – View Map - Allstate Insurance: Jing Zeng Financial and Insurance Service
7323 Convoy Ct # B111 – San Diego, CA 92111 – (858) 268-7010 – View Map
Finding a good insurance agency requires more thought than just the premium amount. Before buying a policy in San Diego, get answers to these questions.
- Do they get extra compensation for selling add-on coverages?
- If you have an accident, will your rates go up?
- What companies can they write with?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Do you need full coverage on every vehicle?
- Will they take your side in the event of a claim?
Upon getting good answers to all your questions as well as a price you’re happy with, you have narrowed it down to an insurance agency that will properly service your car insurance policy.