Discount Ford Escape insuranceLocating the cheapest insurance for a Ford Escape in New York can be difficult, but you can use the following methods to make it easier. There is a better way to compare insurance rates so you're going to learn the absolute fastest way to price shop coverage on a Ford and get the cheapest rates from Rochester insurance agents and online providers.

Shockingly, over 70% of consumers have purchased from the same company for a minimum of four years, and virtually 40% of consumers have never even compared quotes to find lower-cost rates. Many consumers in New York can save approximately $840 each year by just comparing quotes, but most tend to underestimate how much savings they would realize if they switched.

Many insurance companies such as State Farm, GEICO and Progressive make it easy to get prices on their websites. Doing online quotes for Ford Escape insurance in Rochester is fairly straightforward because you just enter the amount of coverage you want as requested by the quote form. After the form is submitted, the system pulls credit information and your driving record and returns a price based on the data you entered.

Getting online rates for Ford Escape insurance in Rochester makes it simple to compare prices and it's necessary to get many rate quotes if you are searching for affordable prices.

To compare pricing, visit the companies below or click here to submit a quote request to multiple companies at once. If you currently have coverage, we recommend you type in the insurance coverages identical to your current policy. This makes sure you are getting rate quotes using the exact same coverages.

The providers in the list below provide price comparisons in Rochester, NY. If your goal is to find cheap car insurance in New York, it's a good idea that you get prices from several of them to get the cheapest price.

Ford Escape Insurance Estimates in Rochester, NY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $100 $164 $232 $14 $70 $580 $48
Escape XLS 4WD $124 $224 $254 $16 $76 $694 $58
Escape XLT 2WD $122 $220 $304 $18 $90 $754 $63
Escape Limited 2WD $196 $320 $292 $18 $88 $914 $76
Escape XLT 4WD $196 $332 $254 $16 $76 $874 $73
Escape Limited 4WD $128 $230 $212 $12 $64 $646 $54
Get Your Own Custom Quote Go

Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and New York minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Price estimates do not factor in your specific Rochester location which can revise rates greatly.

Price comparison of only insuring for liability

The information below illustrates the comparison of Ford Escape car insurance costs when comparing full coverage to liability only. The data is based on no violations or accidents, $250 deductibles, married female driver, and no discounts are applied.

When to switch to liability coverage only

There is no definitive formula for phasing out physical damage coverage, but there is a general guideline. If the yearly cost of full coverage is 10% or more of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

For example, let's say your Ford Escape claim settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would receive is $5,000 after paying your deductible. If premiums are more than $500 a year for your policy with full coverage, then it could be time to drop full coverage.

There are some circumstances where eliminating full coverage is not financially feasible. If you still owe a portion of the original loan, you have to maintain full coverage to protect the lienholder's interest in the vehicle. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not remove full coverage.

Comparison of auto insurance rates by age and gender in Rochester

The illustration below illustrates the comparison of Ford Escape insurance premiums for male and female drivers. The information is based on no driving violations, no at-fault accidents, full coverage, $1,000 deductibles, marital status is single, and no discounts are taken into consideration.

Tickets and at-fault accidents raise rates

The diagram below illustrates how traffic citations and at-fault claims can raise Ford Escape auto insurance rates for each age group. The rate quotes are based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no additional discounts are factored in.

Auto insurance does more than just repair your car

Even though it's not necessarily cheap to insure a Ford in Rochester, auto insurance serves several important purposes.

The benefits of carrying enough insurance definitely exceed the price paid, particularly if you ever have a claim. Despite what companies tell you, the average driver overpays more than $865 each year so you should quote rates each time the policy renews to ensure rates are competitive.

Informed Consumers Save Every Year

Lots of things are taken into consideration when premium rates are determined. A few of the factors are predictable like your driving record, although others are more obscure such as whether you are married or your financial responsibility.

Listed below are a few of the "ingredients" used by companies to determine your rates.

Affects performance affects auto insurance rates - The performance level of the vehicle you are trying to find cheaper insurance for makes a substantial difference in the rate you pay. Due to the fact that the Ford Escape is classified as a crossover, insuring your vehicle will cost slightly more than the average rate where you live in Rochester. The lowest performance passenger models generally have the cheapest insurance rates, but the final cost of insurance is determined by many other factors.

Rates increase with policy add-ons - There are many additional extra coverages that sound like a good idea at the time if you aren't diligent. Coverages for vanishing deductibles, towing, and membership fees are probably not needed. These coverages may sound good initially, but now you might not need them so consider taking them off your policy.

Lower premiums with GPS tracking and theft deterrents - Owning a car with a theft deterrent system can save you some money. Theft deterrent systems such as OnStar, LoJack tracking, and tamper alarms can thwart auto theft.

Liability coverage limits are a factor - Liability insurance will afford coverage when you are ruled to be at fault for an accident. This coverage provides legal defense coverage to attempt to prove you were not liable. It is affordable coverage compared to physical damage coverage, so insureds should have plenty of protection for their assets.

Drive less and save - Driving more miles each year the more it will cost to insure it. Many insurance companies price each vehicle's coverage based upon how much you drive. Autos used primarily for pleasure use receive lower rates than cars that get driven a lot. It's a good idea to make sure your car insurance policy is rated on the correct usage. An improperly rated Escape is throwing money out the window.

Job stress can affect rates - Did you know your job can affect your rates? Careers like real estate brokers, business owners and accountants tend to have higher rates than average because of high stress levels and lengthy work days. Other jobs like professors, engineers and homemakers receive lower rates.

Insurance is expensive for teenage drivers - Older people are proven to be safer behind the wheel, tend to file fewer claims, and tend to be get fewer driving tickets.Youthful drivers are statistically shown to be inattentive when driving so they pay higher car insurance rates.

Loss probability for a Ford Escape - Auto insurance companies take into consideration insurance loss statistics for every vehicle when setting rates for each model. Models that historically have higher frequency or amount of claims will cost more to insure. The next table illustrates the insurance loss data used by companies for Ford Escape vehicles.

For each coverage category, the loss probability for all vehicles, as a total average, is set at 100. Values below 100 suggest a better than average loss history, while values over 100 show a trend for more claims or an increased chance of larger losses than average.

Auto Insurance Loss Data for Ford Escape Models

Vehicle 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

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Do you qualify for discounts on Ford Escape insurance in Rochester?

Auto insurance is not inexpensive, but you may find discounts to help bring down the price. Many of these discounts will be applied automatically when you get a quote, but some may not be applied and must be specially asked for before you get the savings.Cheaper auto insurance with discounts

Don't be surprised that many deductions do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears adding up those discounts means a free policy, insurance companies wouldn't stay in business.

A list of companies and their offered discounts are outlined below.

It's a good idea to ask all companies you are considering what discounts are available to you. All car insurance discounts might not be offered on policies in every state. To locate insurance companies that can offer you the previously mentioned discounts in Rochester, click here.

Different people need different auto insurance coverages

When buying the best auto insurance coverage, there really isn't a perfect coverage plan. Your needs are unique to you and a cookie cutter policy won't apply.Higher deductibles save money These are some specific questions could help you determine whether your personal situation will benefit from professional help.

If it's difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Compare prices but work with a local Rochester insurance agency

Certain consumers still like to have an agent's advice and that can be a smart move Insurance agents are highly skilled in risk management and will help you if you have claims. One of the benefits of comparing insurance prices online is the fact that drivers can get lower rates but still work with a licensed agent.

Insurance agency in RochesterBy using this short form, your coverage information gets sent to local insurance agents that give free quotes for your business. You won't even need to contact an agency because prices are sent to you directly. If you need to quote rates from a particular provider, you would need to navigate to their website and fill out their quote form.

Choosing an insurance company is decision based upon more than just a cheap price. The following questions are important to ask.

Multiple types of auto insurance agents in Rochester

If you are wanting to purchase insurance from a reputable insurance agent or broker, it's helpful to know the different types of agents that differ in how they can insure your vehicles. Agents may be either exclusive or independent agents depending on their company appointments. Both can provide insurance policies, but it's a good idea to understand the difference in the companies they write for since it can impact the selection process.

Exclusive Insurance Agencies

Agents in the exclusive channel can usually just insure with one company like Allstate, State Farm and Farm Bureau. These agents are not able to provide prices from multiple companies so they have no alternatives for high prices. They are well schooled on their products and sales techniques which helps overcome the inability to quote other rates. Consumers sometimes buy from exclusive agents mainly due to loyalty to the company rather than having low rates.

The following is a short list of exclusive insurance agents in Rochester that can give you rate quotes.

More Rochester agents

Independent Insurance Agents

These type of agents are not locked into one company so as a result can place your coverage through many companies and find you cheaper rates. If your premiums go up, an independent agent can move your coverage which makes it simple for you. If you need cheaper insurance rates, you definitely need to include independent agents so that you can do a thorough price comparison. Most also have access to less well-known companies who may have lower rates.

The following are Rochester independent agents that are able to give comparison quotes.

More Rochester agents

If you feel you receive positive feedback and an affordable coverage quote, it's a good possibility that you have found an insurance agent that can provide insurance coverage. It's important to know that policyholders can cancel your coverage when you choose so never feel that you are obligated to any particular company for a certain time period.

In Summary

There are still a few companies who do not offer online price quotes and many times these small, regional companies prefer to sell through independent insurance agencies. Affordable Ford Escape insurance in Rochester can be found online and from local insurance agents, so you should be comparing quotes from both to have the best selection.

When you buy Rochester car insurance online, don't be tempted to buy poor coverage just to save money. Too many times, an accident victim reduced physical damage coverage and learned later that the few dollars in savings costed them thousands. The ultimate goal is to purchase a proper amount of coverage for the lowest cost, but do not skimp to save money.

Much more information about insurance in New York is available below: