Best Insurance for a Ford Escape in Toledo

Insurance quote for Ford Escape in ToledoAre you researching cheaper auto insurance rates in Toledo, OH? Toledo buyers have lots of choices when searching for the best price on Ford Escape insurance. You can either spend your time driving around to get rate comparisons or save time using the internet to compare rates.

There are more efficient ways to buy auto insurance so we’re going to tell you the absolute fastest way to compare rates on a Ford and locate the lowest possible price from both online companies and Toledo agents.

If you have coverage now or need new coverage, use these money-saving tips to reduce the price you pay without reducing coverage. These tips will teach you a little about how to effectively get price quotes and some money-saving tips. Smart buyers only need an understanding of the proper methods to compare prices online.

Buy Ford Escape Insurance for Less

An important part of buying insurance is that you know the rating factors that aid in calculating insurance rates. When consumers understand what determines base rates, this enables you to make decisions that could help you find lower rates.

Getting cheap Ford Escape car insurance pricing can be quick and easy. You just have to invest a few minutes comparing price quotes provided by online insurance companies.

The companies in the list below are ready to provide comparison quotes in Toledo, OH. If you want the best cheap car insurance in Ohio, we recommend you click on several of them in order to find the most competitive rates.

Ford Escape insurance analysis

The rate table shown below outlines different insurance costs for Ford Escape models. Having knowledge of how insurance rates are figured is important for making decisions on which insurance to purchase.

Ford Escape Insurance Rates in Toledo, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $194 $290 $252 $14 $76 $826 $69
Escape XLS 4WD $194 $290 $252 $14 $76 $826 $69
Escape XLT 2WD $194 $290 $252 $14 $76 $826 $69
Escape Limited 2WD $222 $290 $252 $14 $76 $854 $71
Escape XLT 4WD $222 $290 $252 $14 $76 $854 $71
Escape Limited 4WD $222 $352 $252 $14 $76 $916 $76
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Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Price information does not factor in specific Toledo garaging location which can affect price quotes significantly.

Deductible comparison

One of the hardest decisions when shopping for car insurance is how high should the physical damage deductibles be. The following insurance rates may aid in understanding the difference in cost between high and low policy deductibles. The first rate comparisons uses a $250 deductible for comp and collision and the second pricing table uses a $1,000 deductible.

Ford Escape insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $152 $242 $192 $12 $58 $681 $57
Escape XLS 4WD $152 $242 $192 $12 $58 $681 $57
Escape XLT 2WD $152 $242 $192 $12 $58 $681 $57
Escape Limited 2WD $176 $242 $192 $12 $58 $705 $59
Escape XLT 4WD $176 $242 $192 $12 $58 $705 $59
Escape Limited 4WD $176 $296 $192 $12 $58 $759 $63
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Ford Escape insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $94 $152 $192 $12 $58 $508 $42
Escape XLS 4WD $94 $152 $192 $12 $58 $508 $42
Escape XLT 2WD $94 $152 $192 $12 $58 $508 $42
Escape Limited 2WD $108 $152 $192 $12 $58 $522 $44
Escape XLT 4WD $108 $152 $192 $12 $58 $522 $44
Escape Limited 4WD $108 $186 $192 $12 $58 $556 $46
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Prices do not factor in specific location information which can alter prices substantially.

Based on the above data, using a $250 deductible costs roughly $16 more each month or $192 annually than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you average at a minimum 47 months between claims, you would probably come out ahead by selecting a higher deductible.

Three reasons car insurance is important

Despite the high insurance cost for a Ford Escape in Toledo, insuring your vehicle is a good idea for several reasons.

The benefits of insuring your Escape are definitely more than the cost, especially with large liability claims. According to a survey of 1,000 drivers, the average driver is wasting up to $865 each year so we recommend shopping around at every policy renewal to make sure the price is not too high.

Cheap Toledo auto insurance rates with discounts

Some insurance providers don’t always list all possible discounts very clearly, so the list below details a few of the more common as well as the least known ways to save on auto insurance. If you do not check that you are getting every discount possible, you are paying more than you should be.Cheaper auto insurance with discounts

As a sidenote, some credits don’t apply to your bottom line cost. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears you could get a free auto insurance policy, nobody gets a free ride. But all discounts will positively reduce your auto insurance premiums.

The illustration below illustrates the difference between Ford Escape auto insurance costs with and without discounts being applied to the rates. The data is based on a female driver, no claims or driving citations, Ohio state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, marriage, homeowner, multi-car, and multi-policy discounts applied.

A few popular companies and some of the discounts include:

Check with each company or agent which discounts they offer. Some credits may not apply to policies in Toledo.

Insurance agents can help

A small number of people just want to visit with an insurance agent. Most agents can point out coverage gaps and help submit paperwork. An additional benefit of comparing insurance prices online is that you can find lower rates but also keep your business local. And buying from small agencies is especially important in Toledo.

Insurance agency in ToledoTo make it easy to find an agent, after completing this form (opens in new window), your insurance coverage information is sent to insurance agents in Toledo who will return price quotes to get your business. There is no reason to even leave your home since price quotes are sent immediately to your email address. In the event you want to compare rates from one company in particular, just navigate to their website and submit a quote form there.

When researching a reliable insurance agency, it’s important to understand the different agency structures and how they are distinctly different. Agents in Toledo are categorized either independent (non-exclusive) or exclusive. Either type can sell and service insurance coverage, but it’s a good idea to understand how they differ since it can impact the kind of agent you use.

Independent Insurance Agencies

Agents that elect to be independent are not locked into one company so they can write business with lots of companies and help determine which has the cheapest rates. To move your coverage to a new company, they simply switch companies in-house which makes it simple for you.

When comparing insurance prices, you absolutely need to check rates from at a minimum one independent agency in order to have the best price comparison. Most can insure with additional companies that you may not be familiar with which may provide better rates.

Shown below is a short list of independent agents in Toledo who may provide price quotes.

More insurance agents

Exclusive Agencies

Agents in the exclusive channel are contracted to one company such as Farmers Insurance, Allstate, or State Farm. These agents are unable to give you multiple price quotes so keep that in mind. Exclusive agents are usually quite knowledgeable on sales techniques which helps them compete with independent agents. Consumers often buy from exclusive agents partially due to the brand and the convenience of having a single billing for all their coverages.

Below are Toledo exclusive agents that are able to give price quote information.

More insurance agents

Finding a good insurance agency requires you to look at more than just the premium amount. Ask your prospective agent these questions:

Which policy gives me the best coverage?

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs.Auto insurance savings

These are some specific questions can help discover if your insurance needs would benefit from an agent’s advice.

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

The most affordable rates come from being thorough

While you’re price shopping online, never skimp on critical coverages to save a buck or two. There have been many situations where consumers will sacrifice physical damage coverage only to regret that it was a big error on their part. Your goal is to buy enough coverage at the best price while not skimping on critical coverages.

Cost effective Ford Escape insurance can be found from both online companies in addition to local insurance agencies, so you should be comparing quotes from both to have the best selection. Some insurance companies may not offer the ability to get quotes online and most of the time these regional carriers only sell coverage through independent agents.

Insureds leave their current company for a number of reasons such as lack of trust in their agent, high prices, high rates after DUI convictions and policy non-renewal. It doesn’t matter why you want to switch switching auto insurance companies can be easier than you think.

Steps to finding the cheapest rates for Ford Escape insurance in Toledo

If you want to find the absolute lowest rates, then the best way to get budget auto insurance rates is to compare quotes annually from different companies that sell auto insurance in Toledo.

Step 1: Spend some time learning about how companies set rates and the factors you can control to keep rates down. Many factors that result in higher prices like your driving record and poor credit history can be rectified by improving your driving habits or financial responsibility.

Step 2: Compare prices from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from a single company like GEICO and Allstate, while independent agencies can provide prices for a wide range of insurance providers.

Step 3: Compare the price quotes to the price on your current policy to see if a cheaper rate is available. If you can save money and make a switch, verify that coverage does not lapse between policies.

Step 4: Give notification to your current company to cancel your current coverage and submit the completed application along with a down payment for your new coverage. As soon as you have the new policy, place your new proof of insurance certificate with your registration paperwork.

The key thing to know about shopping around is that you’ll want to compare similar limits and deductibles on every quote request and and to get rate quotes from every insurance company. Doing this helps ensure an accurate price comparison and a better comparison of the market.

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