Affordable Ford Escape Insurance in Chula Vista

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Discount Ford Escape insuranceAre you at wits end from scraping the payment together to pay high insurance rates every month? Your situation is no different than most other drivers in California.

Regrettably, about 70% of customers renewed their policy with the same company for at least the last four years, and nearly half have never compared rates from other carriers. With the average premium in California being $1,390, drivers could save about $470 every year by just shopping around, but they just feel it's too hard to compare rate quotes online. Many insurance companies compete to insure your vehicles, and because of this it can be hard to compare insurers to discover the definitive lowest cost out there.

If you are insured now or want to find a cheaper company, you can use this information to get lower rates and still have adequate protection. Locating the most cost-effective car insurance policy in Chula Vista is really quite easy. Comparison shoppers only need to know the fastest way to compare different rates from multiple carriers.

The most recommended method to compare insurance rates from multiple companies is to understand all the major auto insurance companies allow for online access to quote your coverage. To start a quote, the only thing you need to do is give the companies some data including distance driven, any included safety features, if the vehicle is leased, and the make and model of your vehicles. That rating data is instantly sent to multiple different insurance companies and you receive quotes instantly to find the best rate.

To find lower affordable Ford Escape insurance rates now, click here then complete the form.

The companies shown below are ready to provide price quotes in California. To buy cheaper auto insurance in California, we recommend you click on several of them to find the lowest car insurance rates.

Discounts can help save money on Ford Escape insurance in Chula Vista

Buying insurance is not cheap, but there could be significant discounts that you may not even know about. Most are applied when you get a quote, but once in a while a discount must be specially asked for prior to receiving the credit.Save money with discounts

  • Paper-free Discount - A few insurance companies will provide an incentive for buying your policy digitally online.
  • Senior Citizens - Drivers over the age of 55 may receive a discount up to 10%.
  • Service Members Pay Less - Being deployed in the military can result in better rates.
  • Renewal Discounts - A few companies allow discounts for renewing your policy early. You can save around 10% with this discount.
  • Driver's Ed - Make teen driver coverage more affordable by requiring them to enroll in driver's education if offered at their school.
  • Discount for Home Ownership - Just being a homeowner can help you save on insurance because it shows financial diligence.
  • Early Payment Discounts - If you can afford to pay the entire bill rather than paying monthly you may reduce your total bill.
  • Anti-theft Discount - Cars, trucks, and SUVs with anti-theft systems are stolen with less frequency and will save you 10% or more on Escape insurance in Chula Vista.

You can save money using discounts, but many deductions do not apply to the entire cost. Some only reduce individual premiums such as comp or med pay. Despite the appearance that you would end up receiving a 100% discount, it doesn't quite work that way. Any qualifying discounts will help lower the cost of coverage.

The diagram below illustrates the difference between Ford Escape auto insurance rates with and without discounts applied to the policy premium. The premium estimates are based on a male driver, no claims or driving citations, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, homeowner, safe-driver, claim-free, and marriage discounts applied.

A few popular companies and the discounts they provide are:

  • State Farm offers discounts including Steer Clear safe driver discount, accident-free, anti-theft, safe vehicle, and driver's education.
  • GEICO may have discounts that include driver training, multi-policy, defensive driver, air bags, daytime running lights, anti-lock brakes, and five-year accident-free.
  • Progressive may offer discounts for multi-policy, good student, continuous coverage, online signing, and multi-vehicle.
  • 21st Century offers discounts for anti-lock brakes, automatic seat belts, driver training, teen driver, homeowners, and good student.
  • American Family policyholders can earn discounts including TimeAway discount, good student, air bags, mySafetyValet, early bird, multi-vehicle, and good driver.
  • The Hartford discounts include vehicle fuel type, driver training, anti-theft, air bag, bundle, good student, and defensive driver.
  • AAA may include discounts for good student, AAA membership discount, education and occupation, pay-in-full, good driver, and multi-car.

Before you buy a policy, ask all the companies which discounts they offer. All car insurance discounts may not be offered in every state. To view providers that can offer you the previously mentioned discounts in Chula Vista, follow this link.

Coverage statistics and figures

The table displayed below showcases a range of insurance prices for Ford Escape models. Being aware of how policy premiums are determined is important for drivers to make smart choices when purchasing an auto insurance policy.

Ford Escape Insurance Rates in Chula Vista, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $208 $374 $394 $24 $118 $1,118 $93
Escape XLS 4WD $208 $374 $394 $24 $118 $1,118 $93
Escape XLT 2WD $208 $374 $394 $24 $118 $1,118 $93
Escape Limited 2WD $238 $374 $394 $24 $118 $1,148 $96
Escape XLT 4WD $238 $374 $394 $24 $118 $1,148 $96
Escape Limited 4WD $238 $454 $394 $24 $118 $1,228 $102
Get Your Own Custom Quote Go

Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Rate quotes do not factor in garaging location in Chula Vista which can change auto insurance rates considerably.

Choosing deductibles

The hardest decision when buying coverage is which deductible level should you buy. The rates below help summarize how much more you'll pay when you select higher and lower physical damage coverage deductibles. The first rate estimation uses a $250 deductible for comp and collision and the second set of prices uses a $1,000 deductible.

Ford Escape insurance policy rates with $250 deductibles
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
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Ford Escape insurance policy rates with $1,000 deductibles
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

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Information does not factor in specific location which can decrease or increase coverage prices greatly.

Using the data above, we can ascertain that using a $250 deductible would cost the average driver about $27 more each month or $324 annually than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to have at a minimum 28 months between claim filings, you would probably come out ahead going with the higher deductible.

The example below illustrates how choosing a deductible and can increase or decrease Ford Escape insurance prices for each different age group. The premiums are based on a single male driver, comp and collision included, and no discounts are taken into consideration.

Drive safe and save

The example below illustrates how violations and at-fault accidents influence Ford Escape auto insurance rates for different categories of driver ages. Data assumes a single female driver, comp and collision included, $1,000 deductibles, and no discounts are applied.

Insurance agencies can help

Many people prefer to buy from a licensed agent and that can be a smart move Professional agents can help determine the best coverages and help in the event of a claim. An additional benefit of comparing rate quotes online is you may find cheaper rates and still choose a local agent. And supporting small agencies is important particularly in Chula Vista.

Insurance agency in Chula VistaFor easy comparison, once you complete this quick form, your coverage information is instantly submitted to local insurance agents in Chula Vista that provide free Chula Vista auto insurance quotes for your business. There is no reason to leave your house as quotes are delivered straight to your inbox. If you want to get a comparison quote for a specific company, you can always navigate to their website and fill out their quote form.

When looking for a local agent, there are a couple of different types of agents and how they work. Insurance policy providers can be described as either independent agents or exclusive agents depending on their employer. Both types can write policy coverage, but it's worth learning how they differ because it can influence the kind of agent you use.

Independent Insurance Agents (or Brokers)

Independent insurance agents are not restricted to one company and that enables them to quote your coverage with multiple insurance companies enabling the ability to shop coverage around. To move your coverage to a new company, they simply move your policy to a different company which requires no work on your part. When comparing insurance rates, you should always get some free quotes from several independent insurance agents to maximize your price options.

Below are Chula Vista independent agents who may be able to give you price quotes.

Elect Insurance Center
1229 Third Ave c - Chula Vista, CA 91911 - (619) 425-3532 - View Map

Fletes Insurance and Financial Services
2127 Olympic Pkwy #1006 - Chula Vista, CA 91915 - (619) 616-0037 - View Map

553 Telegraph Canyon Rd - Chula Vista, CA 91910 - (800) 701-5909 - View Map

More Chula Vista agents

Exclusive Insurance Agents

Exclusive agents have only one company to place business with like Allstate, State Farm and Farmers Insurance. They generally cannot compare rates from other companies so keep that in mind. They are well trained on the products they sell which helps them sell on service rather than price.

Shown below are Chula Vista exclusive agents willing to provide rate quotes.

680 Telegraph Canyon Rd #102 - Chula Vista, CA 91910 - (619) 585-3326 - View Map

45 Third Ave Ste 104 - Chula Vista, CA 91910 - (619) 426-6580 - View Map

945 Otay Lakes Rd k - Chula Vista, CA 91913 - (619) 656-4200 - View Map

More Chula Vista agents

Picking an insurance agency requires you to look at more than just a cheap quote. Before buying a policy in Chula Vista, get answers to these questions.

  • Has the agent ever had any license suspensions?
  • If your car is totaled, how to they determine the replacement cost?
  • Is coverage determined by price?
  • Is the coverage adequate for your vehicle?
  • What insurance company do they write the most business with?
  • Do they offer rental car reimbursement?
  • How much will you save each year by using a higher deductible?
  • Is their price quote a firm figure or are their hidden costs?

Which policy gives me the best coverage?

When it comes to buying adequate coverage, there is no best way to insure your cars. Everyone's situation is unique.Safe vehicles cost less to insure

These are some specific questions might help in determining if your insurance needs could use an agent's help.

  • Is other people's property covered if stolen from my vehicle?
  • Is there a penalty for late payment?
  • Why do I have to buy liability insurance?
  • What is no-fault insurance?
  • Which is better, split liability limits or combined limits?
  • I have a DUI can I still get coverage?

If it's difficult to answer those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It's fast, doesn't cost anything and can provide invaluable advice.

How Your Escape Insurance Prices are Determined

Many things are part of the calculation when pricing auto insurance. Most are fairly basic such as your driving history, but some are not as apparent like your continuous coverage or your commute time. The best way to find cheaper auto insurance is to take a look at a few of the rating criteria that come into play when calculating auto insurance rates. If you know what determines base rates, this allows you to make educated decisions that can help you get big savings.

  • Insure your auto and home with one company - Many auto insurance companies give better rates to people that purchase more than one policy. It's known as a multi-policy discount. If you currently are using one company, drivers will still want to comparison shop to verify if the discount is saving money.
  • High comp and collision deductibles equal low rates - Your deductibles are how much you are willing to pay out-of-pocket before a claim is paid by your company. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some coverage claims are colliding with a stationary object, fire damage, and damage from wind. The more of the claim you have to pay, the less your company will charge you for insurance.
  • Are females or males drivers cheaper? - Over the last 50 years, statistics have shown that females tend to be a little less risky than males. It does not mean men are WORSE drivers than women. Females and males get in accidents in similar numbers, but the males have costlier accidents. They also receive more costly citations such as DWI and reckless driving.

    The diagram below shows the comparison of Ford Escape car insurance rates for male and female drivers. The premiums assume a clean driving record, no at-fault accidents, full physical damage coverage, $500 deductibles, single status, and no policy discounts are applied.

  • Safeguard your assets with liability - Your auto insurance policy's liability coverage provides coverage if you are ruled to be at fault for physical damage or personal injury to other. It will provide legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.
  • Insurance loss statistics a Ford Escape - Insurers study historical loss data when determining insurance rates. Models that the data determines to have increased claim numbers or amounts will have higher rates for specific coverages.

    The next table shows the actual insurance loss data for Ford Escape vehicles. For each policy coverage type, the claim probability for all vehicles combined as an average is considered to be 100. Percentage numbers below 100 indicate a favorable loss history, while numbers above 100 point to more claims or larger claims.

    Ford Escape Insurance Claim Statistics
    Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Ford Escape 4dr 2WD 80 91 83 94 94 92
    Ford Escape 4dr 4WD 81 84 94 85 90 77

    Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Car insurance does more than just protect your car

Despite the fact that car insurance is not cheap in Chula Vista, buying car insurance serves a purpose in several ways.

  • Just about all states have mandatory liability insurance requirements which means the state requires specific limits of liability insurance coverage if you don't want to risk a ticket. 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.
  • If you have a lien on your vehicle, most banks will require that you have insurance to ensure loan repayment if the vehicle is totaled. If coverage lapses or is canceled, the bank may buy a policy for your Ford for a lot more money and force you to pay for the expensive policy.
  • Insurance safeguards both your Ford and your personal assets. It will also provide coverage for medical expenses for not only you but also any passengers injured in an accident. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if someone files suit against you as the result of an accident. If mother nature or an accident damages your car, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of having insurance are definitely more than the cost, especially if you ever need it. In a recent study of 1,000 drivers, the average customer overpays as much as $800 each year so smart consumers compare quotes once a year at a minimum to save money.

One last thing about your coverage

We just covered many ideas to save on Ford Escape insurance in Chula Vista. It's most important to understand that the more rate quotes you have, the better your chances of lowering your car insurance rates. You may even be surprised to find that the lowest rates come from a small mutual company.

People leave their current company for any number of reasons including an unsatisfactory settlement offer, not issuing a premium refund, delays in paying claims and unfair underwriting practices. Regardless of your reason, finding a new company can be less work than you think.

When getting Chula Vista auto insurance quotes online, it's not a good idea to reduce coverage to reduce premium. There are many occasions where an accident victim reduced liability limits or collision coverage and found out when filing a claim that it was a big mistake. The ultimate goal is to find the BEST coverage at the best price but still have enough coverage for asset protection.

How to buy cheaper Ford Escape insurance in Chula Vista

Really, the only way to find discount auto insurance rates is to regularly compare price quotes from insurers who sell insurance in Chula Vista. Drivers can shop around by following these guidelines.

  1. Take a few minutes and learn about individual coverages and the measures you can take to keep rates low. Many things that cause rate increases such as traffic citations and a substandard credit history can be remedied by making small lifestyle or driving habit changes.
  2. Obtain price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO or Allstate, while agents who are independent can quote rates for a wide range of companies.
  3. Compare the new rate quotes to your current policy and see if there is a cheaper rate in Chula Vista. If you find a lower rate and decide to switch, make sure there is no lapse in coverage.

An important note is to make sure you enter the same deductibles and limits on every price quote and and to analyze as many car insurance companies as possible. Doing this helps ensure the most accurate price comparison and a good representation of prices.

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