Insurance quote for Ford Escape in New York CityAre you researching lower-priced auto insurance rates in New York City, NY? New York City buyers have options when searching for the best price on Ford Escape insurance. They can either spend hours driving around to get rate comparisons or leverage the internet to compare rates. There are both good and bad ways to compare auto insurance rates so we're going to tell you the absolute fastest way to get price quotes on a Ford and get the lowest price either online or from New York City insurance agents.

A recent auto insurance study discovered that almost 70% of drivers in New York renewed their policy with the same company for well over three years, and virtually 40% of consumers have never shopped around. Many drivers in the U.S. could save themselves as much as $850 a year just by getting comparison quotes, but they think it's difficult to find cheaper insurance by shopping around.

How to buy New York City Ford Escape insurance online

Getting a cheap price on Ford Escape insurance can be surprisingly simple. Consumers just need to invest a few minutes comparing rates from different insurance companies.

The companies in the list below are ready to provide free quotes in New York City, NY. If you want the cheapest auto insurance in New York, we suggest you get rate quotes from several of them in order to find the cheapest rates.

Ford Escape Insurance Price Estimates in New York City, NY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $162 $260 $232 $14 $70 $738 $62
Escape XLS 4WD $122 $220 $304 $18 $90 $754 $63
Escape XLT 2WD $170 $332 $254 $16 $76 $848 $71
Escape Limited 2WD $176 $280 $212 $12 $64 $744 $62
Escape XLT 4WD $252 $416 $304 $18 $90 $1,080 $90
Escape Limited 4WD $186 $318 $232 $14 $70 $820 $68
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Premium data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and New York minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Table data does not factor in zip code location which can increase or decrease coverage rates significantly.

Where to set your deductibles

A question often asked by New York City drivers is how low should you set your deductibles. The comparisons below sum up the rate differences between high and low insurance deductibles. The first table uses a $250 deductible for comprehensive and collision coverage and the second rate chart uses a $1,000 deductible.

Ford Escape insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $178 $284 $226 $14 $68 $795 $66
Escape XLS 4WD $178 $284 $226 $14 $68 $795 $66
Escape XLT 2WD $178 $284 $226 $14 $68 $795 $66
Escape Limited 2WD $204 $284 $226 $14 $68 $821 $68
Escape XLT 4WD $204 $284 $226 $14 $68 $821 $68
Escape Limited 4WD $204 $344 $226 $14 $68 $881 $73
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Ford Escape insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $110 $178 $226 $14 $68 $596 $50
Escape XLS 4WD $110 $178 $226 $14 $68 $596 $50
Escape XLT 2WD $110 $178 $226 $14 $68 $596 $50
Escape Limited 2WD $126 $178 $226 $14 $68 $612 $51
Escape XLT 4WD $126 $178 $226 $14 $68 $612 $51
Escape Limited 4WD $126 $216 $226 $14 $68 $650 $54
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and New York minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Price estimates do not factor in New York City location which can lower or raise rates significantly.

Based on the figures above, using a $250 deductible will cost you roughly $17 more each month or $204 each year than quoting the higher $1,000 deductible. Because you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you average at least 44 months between claim filings, you would come out ahead if you elect the higher deductible.

Auto insurance deductibles

The example below demonstrates how choosing different deductibles and can impact Ford Escape insurance premiums for different insured age categories. The premiums are based on a married male driver, full physical damage coverage, and no additional discounts are factored in.

Impact of age and gender on auto insurance rates

The information below compares Ford Escape insurance prices for male and female drivers. The premiums are based on no accidents or driving violations, comprehensive and collision coverage, $1,000 deductibles, drivers are not married, and no policy discounts are applied.

Three main reasons to buy car insurance

Even though it can be expensive, insurance is most likely required but also gives you several important benefits.

The benefits of insuring your car are without a doubt worth the cost, specifically if you ever have a liability claim. Today the average American driver is currently overpaying as much as $820 a year so compare quotes from several companies at every policy renewal to save money.

New York City insurance discounts for a Ford Escape

Car insurance is expensive, but there could be available discounts to help bring down the price. Certain discounts will be triggered automatically when you purchase, but a few must be inquired about prior to getting the savings. If you don't get every credit possible, you are throwing money away.Discount car insurance

Just know that most credits do not apply the the whole policy. Some only apply to specific coverage prices like liability and collision coverage. Even though it appears all the discounts add up to a free policy, it's just not the way it works.

A partial list of companies who might offer many of the previously listed discounts are:

Before purchasing a policy, check with every insurance company which discounts they offer. Some credits may not apply to policies in New York City. If you would like to see a list of insurers that offer some of these discounts in New York, click here.

Compare rate quotes but buy from a local neighborhood New York City car insurance agent

Some consumers still like to go talk to an agent and that is a personal choice. Licensed agents are trained risk managers and help submit paperwork. The biggest benefit of price shopping on the web is that you can find cheap rate quotes and still have an agent to talk to.

New York City insurance agentsAfter completing this short form, your insurance data is submitted to local insurance agents in New York City who can give free rate quotes to get your business. It's much easier because you don't need to find an agent on your own due to the fact that quote results will go immediately to your email address. If you need to get a rate quote from a specific auto insurance provider, don't hesitate to jump over to their website and submit a quote form there.

Finding the right provider requires you to look at more than just a low price. Agents should be asked these questions:

If you prefer to buy auto insurance from a reliable insurance agent, you should know the different types of agencies that you can select. Agents are either independent or exclusive. Either type can properly insure your vehicles, but it is a good idea to know the differences since it can impact the kind of agent you use.

Exclusive Agents

These agents normally can only provide a single company's rates and examples are Allstate, Farmers Insurance or State Farm. Exclusive agents cannot provide prices from multiple companies so you need to shop around if the rates are high. Exclusive insurance agents receive extensive training on their company's products which helps them sell insurance even at higher premiums. Some insured continue to purchase coverage from exclusives mostly because of loyalty to the company and strong financial ratings.

The following is a list of exclusive agencies in New York City willing to provide price quote information.

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Independent Auto Insurance Agencies

Agents of this type are not limited to a single company so as a result can place your coverage amongst many companies and possibly get better coverage at lower prices. If your premiums go up, an independent agent can move your coverage and you don't have to switch agencies.

When comparison shopping, you absolutely need to get quotes from a couple of independent agencies to get the best comparison. Many independent agencies also insure through companies that do not advertise much which may have better rates.

The following are independent insurance agencies in New York City willing to provide comparison quotes.

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In Summary

When buying insurance coverage, it's a bad idea to buy poor coverage just to save money. There are too many instances where drivers have reduced comprehensive coverage or liability limits only to regret that the few dollars in savings costed them thousands. Your strategy should be to purchase plenty of coverage at an affordable rate, but do not skimp to save money.

Cheaper car insurance in New York City is available from both online companies as well as from insurance agents, so you need to shop New York City auto insurance with both in order to have the best price selection to choose from. Some car insurance companies may not have rates over the internet and usually these regional insurance providers sell through independent agents.

You just read many ways to reduce Ford Escape insurance auto insurance rates online in New York City. The key thing to remember is the more times you quote, the higher your chance of finding low cost New York City auto insurance quotes. Drivers may even discover the lowest auto insurance rates are with the smaller companies.

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