Discount Ford Escape insuranceWant more competitive auto insurance rates in Colorado Springs, CO? Colorado Springs buyers have many options when searching for the best price on Ford Escape insurance. They can either waste time struggling with agents to get rate comparisons or utilize the internet to get rate quotes. There are more efficient ways to buy auto insurance so we're going to tell you the best way to price shop coverage for a Ford and obtain the best price possible from both online companies and Colorado Springs agents.

If you have a policy now or are shopping for new coverage, you will benefit by learning to find better prices and still get good coverage. The purpose of this article is to let you in on how to effectively get price quotes and also save some money in the process Drivers just need to understand the proper way to compare insurance rates from multiple carriers.

Best Ford Escape insurance prices in Colorado

The auto insurance companies shown below are our best choices to provide free rate quotes in Colorado Springs, CO. If the list has multiple companies, it's highly recommended you visit as many as you can to get the lowest price.

Ford Escape Insurance Rate Estimates in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $230 $368 $304 $18 $92 $1,012 $84
Escape XLS 4WD $232 $432 $362 $22 $108 $1,156 $96
Escape XLT 2WD $232 $432 $362 $22 $108 $1,156 $96
Escape Limited 2WD $264 $368 $304 $18 $92 $1,046 $87
Escape XLT 4WD $294 $440 $304 $18 $92 $1,148 $96
Escape Limited 4WD $168 $288 $298 $18 $90 $862 $72
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Premium costs do not factor in your specific Colorado Springs location which can decrease or increase auto insurance rates significantly.

Should you raise deductibles?

When comparing auto insurance rates, the most common question is how high should the deductibles for physical damage be. The following insurance rates lay out how much more you'll pay when you select higher and lower policy deductibles. The first data table uses a $100 physical damage deductible and the second price chart uses a $1,000 deductible.

Ford Escape insurance with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $264 $448 $298 $18 $90 $1,143 $95
Escape XLS 4WD $264 $448 $298 $18 $90 $1,143 $95
Escape XLT 2WD $264 $448 $298 $18 $90 $1,143 $95
Escape Limited 2WD $302 $448 $298 $18 $90 $1,181 $98
Escape XLT 4WD $302 $448 $298 $18 $90 $1,181 $98
Escape Limited 4WD $302 $546 $298 $18 $90 $1,279 $107
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Ford Escape insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $146 $236 $298 $18 $90 $788 $66
Escape XLS 4WD $146 $236 $298 $18 $90 $788 $66
Escape XLT 2WD $146 $236 $298 $18 $90 $788 $66
Escape Limited 2WD $168 $236 $298 $18 $90 $810 $68
Escape XLT 4WD $168 $236 $298 $18 $90 $810 $68
Escape Limited 4WD $168 $288 $298 $18 $90 $862 $72
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Premium amounts do not factor in zip code location which can decrease or increase coverage rates substantially.

Based on the above data, using a $100 deductible will cost you approximately $30 more each month or $360 every year than buying the higher $1,000 deductible. Because you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you have more than 30 months between claim filings, you would probably be better off going with the higher deductible.

Ford Escape insurance premiums by gender and age

The illustration below shows the comparison of Ford Escape insurance costs for male and female drivers. The premiums are based on no claims, a clean driving record, comp and collision included, $1,000 deductibles, single marital status, and no additional discounts are factored in.

Educated Choices Result in Lower Insurance Premiums

It's important that you understand some of the factors that play a part in calculating the level of your policy premiums. When you know what positively or negatively influences your rates, this empowers consumers to make smart changes that could help you find lower rates. Many different elements are taken into consideration when you get a price on insurance. A few of the factors are predictable like a motor vehicle report, although others are more transparent like where you live or your vehicle rating.

Get cheaper rates on Ford Escape insurance in Colorado Springs with these car insurance discounts

Companies don't always advertise every available discount very clearly, so here is a list some of the more common in addition to some of the lesser obvious credits available to lower your premiums when you buy Colorado Springs car insurance online.Discount car insurance

Discounts lower rates, but most discounts do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, companies don't profit that way.

If you would like to see a list of providers with discount car insurance rates in Colorado, follow this link.

What if I want to buy from local Colorado Springs auto insurance agents?

Certain consumers just want to talk to an insurance agent. Professional agents are trained to spot inefficiencies and help in the event of a claim. One of the benefits of comparing insurance prices online is that drivers can save money and get lower rates but still work with a licensed agent.

Colorado Springs insurance agentsAfter completing this short form, your information is submitted to local insurance agents who will give you quotes for your auto insurance coverage. There is no need to leave your computer since rate quotes are delivered to you. If you wish to get a price quote from a particular provider, you would need to visit that company's website and fill out the quote form the provide.

Choosing an company should include more criteria than just the bottom line cost. Any agent in Colorado Springs should have no problem answering these questions:

Choose an insurance agent wisely

If you are wanting to find an insurance agent, it helps to know the two types of insurance agents and how they operate. Auto insurance policy providers are classified as either independent (non-exclusive) or exclusive. Both types of agents can sell auto insurance policies, but it's a good idea to understand the subtle differences because it may have an impact on the kind of agent you use.

Exclusive Auto Insurance Agencies

Agents that elect to be exclusive can only quote rates from one company and some examples include State Farm, AAA, Farmers Insurance or Allstate. Exclusive agents cannot provide prices from multiple companies so you need to shop around if the rates are high. Exclusive agencies are very knowledgeable on what they offer which helps them sell insurance even at higher premiums. Drivers often choose to use a exclusive agent partially due to the brand rather than low rates.

Shown below is a short list of exclusive agencies in Colorado Springs that are able to give comparison quotes.

View more Colorado Springs agents

Independent Auto Insurance Agents

Agents in the independent channel are not required to write business for one company so as a result can place your coverage with multiple insurance companies and find you cheaper rates. If you are not satisfied with one company, the business is moved internally which makes it simple for you. If you are trying to find cheaper rates, it's recommended you include price quotes from a couple of independent agencies to get the most accurate price comparison. They also have the ability to place coverage with smaller mutual companies which can save you money.

Below are Colorado Springs independent agents who can help you get price quote information.

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Do you really save 40% when you switch?

Colorado drivers can't avoid all the ads for the lowest price auto insurance by Progressive, GEICO, Allstate and State Farm. All the companies say the same thing of big savings just by switching your policy.

How is it possible that every company can cost less than your current company? It's all in the wording.

Auto insurance companies have a preferred profile for the right customer that will not have excessive claims. An example of a desirable insured might be described as a mature driver, has a low-risk occupation, and drives less than 5,000 miles a year. A driver who fits that profile will probably get the lowest premium rates and therefore will save when they switch companies.

Consumers who are not a match for the "perfect" profile may be required to pay a higher premium with the end result being the customer buying from a different company. The ad wording is "drivers who switch" not "everybody who quotes" save money. That's why companies can advertise the way they do. Each company has different criteria, so you absolutely need to do a rate comparison at every renewal. It's just too difficult to predict the company that will give you the biggest savings.

Quote. Compare. Save.

As you restructure your insurance plan, it's not a good idea to buy lower coverage limits just to save a few bucks. In many cases, an insured dropped comprehensive coverage or liability limits only to discover later that it was a big error on their part. Your objective should be to find the BEST coverage at the best cost and still be able to protect your assets.

In this article, we presented many ideas to shop for Ford Escape insurance online. The key concept to understand is the more companies you get car insurance rates for, the more likely it is that you will get a better rate. You may even find the lowest priced insurance comes from the smaller companies.

A few companies may not have rate quotes online and these small insurance companies provide coverage only through local independent agencies. Low-cost Ford Escape insurance in Colorado Springs can be bought from both online companies as well as from insurance agents, and you need to comparison shop both in order to have the best price selection to choose from.

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