Car Insurance Rate Quotes for a Ford Escape in Lincoln

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Insurance for Ford EscapeAre you sick of overpaying and want more affordable auto insurance rates in Lincoln, NE? Lincoln drivers have lots of choices when trying to find the best price on Ford Escape insurance. You can either spend your time calling around trying to get quotes or save time using the internet to find the lowest rates. There are more efficient ways to shop for auto insurance and you need to know the proper way to price shop coverage for your Ford and locate the lowest possible price from both online companies and Lincoln agents.

Consumers need to do rate comparisons yearly because prices tend to go up over time. Even if you think you had the lowest quotes on Ford Escape insurance in Lincoln at your last renewal you may be paying too much now. There is a lot of bad information regarding Escape insurance out there, but I'm going to show you some great ideas on how to slash your auto insurance rates in Lincoln.

Finding the cheapest coverage in Lincoln can be easy if you know a few tricks. If you are paying for car insurance now, you will most likely be able to find the best rates using these techniques. Shoppers just need to understand the quickest way to shop their coverage around over the internet.

Companies offering Ford Escape insurance in Nebraska

The providers in the list below offer price quotes in Lincoln, NE. If you want to find the cheapest auto insurance in Lincoln, NE, we suggest you visit as many as you can to get the best price comparison.

Insurance analysis for a Ford Escape

The rate table displayed below outlines a range of insurance premium costs for Ford Escape models. Learning a little about how insurance policy premiums are formulated can benefit drivers when making decisions on the best policy coverages.

Ford Escape Insurance Rates in Lincoln, NE
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $182 $318 $344 $20 $102 $966 $81
Escape XLS 4WD $182 $318 $344 $20 $102 $966 $81
Escape XLT 2WD $182 $318 $344 $20 $102 $966 $81
Escape Limited 2WD $210 $318 $344 $20 $102 $994 $83
Escape XLT 4WD $210 $318 $344 $20 $102 $994 $83
Escape Limited 4WD $210 $388 $344 $20 $102 $1,064 $89
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Table data represents single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Price estimates do not factor in vehicle location which can impact coverage rates significantly.

Deductible comparison

One common question asked by Lincoln drivers is how high should the deductibles for physical damage be. The premium rates below may aid in understanding how much more rates are when you buy lower versus higher coverage deductibles. The first table uses a $250 comprehensive and collision deductible and the second data 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 $202 $320 $254 $16 $76 $893 $74
Escape XLS 4WD $202 $320 $254 $16 $76 $893 $74
Escape XLT 2WD $202 $320 $254 $16 $76 $893 $74
Escape Limited 2WD $232 $320 $254 $16 $76 $923 $77
Escape XLT 4WD $232 $320 $254 $16 $76 $923 $77
Escape Limited 4WD $232 $390 $254 $16 $76 $993 $83
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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 $124 $202 $254 $16 $76 $672 $56
Escape XLS 4WD $124 $202 $254 $16 $76 $672 $56
Escape XLT 2WD $124 $202 $254 $16 $76 $672 $56
Escape Limited 2WD $144 $202 $254 $16 $76 $692 $58
Escape XLT 4WD $144 $202 $254 $16 $76 $692 $58
Escape Limited 4WD $144 $246 $254 $16 $76 $736 $61
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rate quotes do not factor in specific location information which can revise insurance rates significantly.

We can derive from the above data that using a $250 deductible costs roughly $19 more each month or $228 every year than choosing the higher $1,000 deductible. Since you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at a minimum 39 months between claim filings, you would probably be better off by going with a higher deductible. The illustration below shows how you can make this decision for your own policy.

Average monthly premium for $250 deductibles: $77
Average monthly premium for $1,000 deductibles (subtract): - $58
Monthly savings from raising deductible: $19
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $19
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 39 months

An important sidenote is that higher deductibles results in having to pay to pay more out-of-pocket when you have a comprehensive or collision claim. It will be required that you have access to more funds in the event you have to pay the higher deductible in order to repair your vehicle.

Reckless driving habits raise insurance rates

The illustration below demonstrates how traffic citations and at-fault claims can affect Ford Escape auto insurance rates for different age groups. The premiums assume a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are factored in.

Insurance rates based on gender

The illustration below illustrates the difference between Ford Escape car insurance rates for male and female drivers. The costs are based on no accidents or driving violations, full physical damage coverage, $500 deductibles, marital status is single, and no discounts are applied to the premium.

Score discounts on Lincoln auto insurance

Some providers do not advertise all discounts very clearly, so the list below details both the well known and also the more inconspicuous credits that may apply to you.Cheaper auto insurance with discounts

  • No Claim Discounts - Drivers with accident-free driving histories pay less when compared with bad drivers.
  • Service Members Pay Less - Being on active deployment in the military could be rewarded with lower prices.
  • Club Memberships - Being in specific professional or occupational memberships or organizations is a good way to get lower rates when shopping for auto insurance.
  • Discount for Life Insurance - Select insurance carriers reward you with a discounted auto insurance rate on car insurance if you buy auto and life insurance together.
  • Save with More Vehicles Insured - Purchasing coverage when you have multiple cars with the same auto insurance company can get a discount for every vehicle.
  • Good Grades Discount - Getting good grades may save as much as 25% on a Lincoln auto insurance quote. The discount lasts up until you turn 25.
  • Anti-lock Brake System - Vehicles with ABS and/or traction control can stop better under adverse conditions and earn discounts up to 10%.
  • Government Employee Discount - Simply working for the federal government could qualify for a slight premium decrease with certain companies.
  • Student in College - Kids who live away from home to go to college and don't have a car could get you a discount.
  • Driver Training Discounts - Taking a defensive driver course could possibly earn you a 5% discount and also improve your driving technique.

It's important to note that some credits don't apply to the entire cost. Most cut individual premiums such as collision or personal injury protection. Just because it seems like all the discounts add up to a free policy, it's just not the way it works. Any amount of discount should definitely cut the cost of coverage.

The illustration below shows the comparison of Ford Escape insurance costs with and without discounts applied to the policy premium. The rates are based on a male driver, no driving violations, no at-fault accidents, Nebraska state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, safe-driver, marriage, multi-car, and claim-free discounts applied.

Popular auto insurance companies and a partial list of their discounts can be found below.

  • Farm Bureau policyholders can earn discounts including good student, youthful driver, multi-policy, renewal discount, and driver training.
  • State Farm offers discounts for defensive driving training, Steer Clear safe driver discount, student away at school, good student, and good driver.
  • Progressive may offer discounts for multi-vehicle, continuous coverage, online quote discount, multi-policy, good student, and homeowner.
  • Allstate has discounts for resident student, 55 and retired, farm vehicle, passive restraint, eSmart discount, and anti-lock brakes.
  • Nationwide may include discounts for defensive driving, multi-policy, anti-theft, family plan, good student, and accident-free.
  • MetLife has savings for good driver, claim-free, defensive driver, accident-free, good student, and multi-policy.

When getting free Lincoln auto insurance quotes, it's a good idea to all companies you are considering the best way to save money. Discounts may not apply in Lincoln.

Why Your Insurance Prices might be higher

It's important that you understand a few of the rating criteria that aid in calculating the price you pay for auto insurance. If you know what determines premiums, this allows you to make educated decisions that could help you find lower auto insurance prices.

  • Responsible credit scores equal low costs - A driver's credit history is a big factor in calculating your premium rate. People with very good credit scores tend to file fewer claims as compared to drivers with poor credit. If your credit history can be improved, you could be paying less to insure your Ford Escape if you clean up your credit.
  • Liability coverage - A critical coverage on your policy, liability insurance kicks in if you are found liable for causing damage or personal injury in an accident. Your policy's liability insurance provides you with a defense in court to defend your case. This coverage is very inexpensive compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • Do you have a tough occupation? - Do you have a high-stress occupation? Careers like fire fighters, executives, and accountants tend to pay higher rates than average due to high stress levels and lots of time spent away from family. Conversely, occupations like actors, engineers and performers pay the least.
  • With age comes responsibility - More mature drivers are proven to be safer behind the wheel, cost insurance companies less in claims, and are generally more financially stable. Young drivers have been known to get distracted easily when driving with friends so auto insurance rates are higher.

    The chart below uses these assumptions: single driver, full coverage with $100 deductibles, and no discounts or violations.

  • Don't buy incidental coverages you don't use - There are quite a few optional add-on coverages that can waste your money if you aren't careful. Coverages like personal injury protection, accident forgiveness, and membership fees may not be needed and are just wasting money. They may sound like good ideas at first, but if you don't need them remove them and pocket the money.
  • Prevent theft and save - Choosing a vehicle that has a built-in theft deterrent system can save you some money. Anti-theft devices like OnStar, LoJack tracking, and tamper alarms all hinder your car from being stolen.
  • See if your company offers a multi-policy discount - Many auto insurance companies allow a discount to customers who have multiple policies with them in the form of a multi-policy discount. The discount can add up to ten or even up to twenty percent in some cases. Even with this discount applied, drivers will still want to comparison shop to help ensure you have the lowest rates.
  • Loss statistics for a Ford Escape - Auto insurance companies use claims history to help determine rates. Vehicles that have a trend towards higher claims will have increased rates.

    The information below illustrates the compiled insurance loss statistics for Ford Escape vehicles. For each policy coverage type, the loss probability for all vehicles combined as an average is considered to be 100. Numbers that are below 100 suggest a positive loss record, while numbers that are greater than 100 indicate frequent claims or a tendency for claims to be larger.

    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

Car insurance agents near you

A small number of people still like to go talk to an agent and doing so can bring peace of mind Good agents can help you choose the best coverages and help in the event of a claim. The best thing about comparing rates online is that you can find the lowest rates and also buy local.

Find insurance agent in LincolnBy using this simple form, your insurance data is sent to insurance agents in Lincoln who will give you quotes for your business. There is no reason to find an agent on your own due to the fact that quote results will go to you directly. If you need to compare rates from a particular provider, just find their quoting web page to submit a rate quote request.

Selecting an insurer is decision based upon more than just a low price. Here are some questions to ask:

  • Is the agent properly licensed in Nebraska?
  • Can you use your own choice of collision repair facility?
  • Do they see any coverage gaps in your plan?
  • Will the quote change when the policy is issued?
  • When do they do a full risk review?
  • Is the agency active in community causes in Lincoln?

If you are wanting to purchase auto insurance from a reliable insurance agency, it helps to know the two different types of agencies and how they are slightly different. Lincoln agents can be categorized as either independent (non-exclusive) or exclusive. Both types can handle auto insurance, but it's a good idea to understand how they differ because it can influence which agent you choose.

Exclusive Insurance Agents

These type of agents generally can only insure with one company such as State Farm, AAA, Farmers Insurance or Allstate. Exclusive agencies are unable to compare rates from other companies so if the price isn't competitive there isn't much they can do. They are usually well trained on what they offer and that allows them to sell at a higher price point. Consumers sometimes purchase coverage from exclusives partially due to the brand name instead of buying on price only.

The following is a list of exclusive agents in Lincoln that are able to give price quote information.

More Lincoln agents

Independent Insurance Agents

Independent agents are not employed by one company and that gives them the ability to insure amongst many companies and find the cheapest rate. If your agent finds better pricing, your agent can just switch to a different company which requires no work on your part. If you need lower rates, you need to get some free quotes from a few independent agents so that you can do a thorough price comparison. They also have the ability to place coverage with small mutual carriers which may provide better rates.

Below are independent insurance agents in Lincoln that are able to give price quotes.

More Lincoln agents

Affordable coverage is out there

When shopping online for auto insurance, never skimp on coverage in order to save money. In many instances, someone sacrificed liability limits or collision coverage to discover at claim time that it was a big mistake. Your focus should be to purchase a proper amount of coverage for the lowest price and still be able to protect your assets.

Cost effective Ford Escape insurance can be purchased from both online companies and from local insurance agents, and you need to comparison shop both to have the best selection. Some auto insurance companies may not have internet price quotes and most of the time these smaller companies provide coverage only through independent agents.

Drivers who switch companies do it for a variety of reasons including unfair underwriting practices, high prices, delays in responding to claim requests or even questionable increases in premium. No matter why you want to switch, finding a new auto insurance company can be easier than you think.

Steps to buying lower priced Ford Escape insurance in Lincoln

The best way to find lower priced Ford Escape insurance in Lincoln is to start comparing prices yearly from insurance carriers in Nebraska. Rates can be compared by following these guidelines.

  • First, spend some time learning about coverages and the measures you can control to keep rates low. Many factors that drive up the price like traffic citations, accidents, and a lousy credit rating can be amended by making minor driving habit or lifestyle changes.
  • Second, get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from one company like GEICO or Allstate, while agents who are independent can provide rate quotes from multiple sources.
  • Third, compare the new quotes to your existing policy and see if you can save money. If you find better rates and buy the policy, make sure there is no coverage gap between policies.
  • Fourth, give proper notification to your current agent or company to cancel your existing policy and submit a completed application and payment to your new insurance company. As soon as you have the new policy, put the proof of insurance certificate along with the vehicle's registration papers.

A valuable tip to remember is to make sure you're comparing the same liability limits and deductibles on each quote and and to get rates from every insurance company. Doing this enables a fair price comparison and the best price selection.

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