Car Insurance Rate Quotes for a Ford Escape in Lincoln

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
Get Your Own Custom Quote Go

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
Get Your Own Custom Quote Go

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

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.

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.

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:

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.

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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