Ford Escape Insurance Quotes in Houston

Insurance quote for Ford Escape in HoustonI doubt anyone looks forward to paying premiums for auto insurance, especially when the cost is too high.

Astonishing but true, the vast majority of auto insurance customers have remained with the same auto insurance company for well over three years, and almost half have never even shopped around for lower-cost coverage. Texas consumers could save 70% each year by just comparing quotes, but they think it’s difficult to compare rates and save money.

Companies like Allstate, Liberty Mutual and State Farm all claim big savings, bombarding you with advertising and it is difficult to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.

It’s smart to compare premium rates on a regular basis because prices go up and down regularly. If you had the best price on Ford Escape insurance in Houston a few years ago there may be better deals available now. Block out anything you think you know about auto insurance because you’re going to get a crash course in the best methods to find better rates and still maintain coverage.

How to buy Ford Escape insurance in Houston, Texas

When shopping for affordable Houston car insurance quotes, there are a couple of ways of comparing price quotes from insurance companies in your area. The easiest way to compare Ford Escape insurance prices is to get quotes online.

It’s so easy to compare quotes online that it makes it obsolete to go to local Houston insurance agencies. Comparing online rate quotes makes this unnecessary unless you require the peace of mind of a licensed agent. It is possible to obtain prices from the web and still use a local agent. Just keep in mind that comparing more rates from different companies gives you a better chance of getting more affordable insurance. Not every company provides price estimates online, so it’s important to also get quotes on coverage from those companies, too.

The companies shown below provide price comparisons in Texas. If multiple companies are listed, we suggest you visit several of them in order to get a fair rate comparison.

Ford Escape Insurance Rate Estimates in Houston, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $220 $404 $304 $18 $92 $1,038 $87
Escape XLS 4WD $274 $550 $422 $24 $126 $1,396 $116
Escape XLT 2WD $246 $476 $366 $22 $110 $1,220 $102
Escape Limited 2WD $202 $316 $438 $26 $130 $1,112 $93
Escape XLT 4WD $142 $218 $310 $18 $94 $782 $65
Escape Limited 4WD $322 $682 $392 $24 $118 $1,538 $128
Get Your Own Custom Quote Go

Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Premium amounts do not factor in vehicle garaging location which can increase or decrease coverage prices substantially.

Auto insurance deductibles

A question often asked by Houston drivers is where to set your physical damage deductibles. The comparisons below outline the cost difference when you choose different physical damage coverage deductibles. The first data set uses a $250 deductible for comp and collision and the second set of prices 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 $256 $408 $324 $20 $96 $1,129 $94
Escape XLS 4WD $256 $408 $324 $20 $96 $1,129 $94
Escape XLT 2WD $256 $408 $324 $20 $96 $1,129 $94
Escape Limited 2WD $294 $408 $324 $20 $96 $1,167 $97
Escape XLT 4WD $294 $408 $324 $20 $96 $1,167 $97
Escape Limited 4WD $294 $496 $324 $20 $96 $1,255 $105
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 $158 $256 $324 $20 $96 $854 $71
Escape XLS 4WD $158 $256 $324 $20 $96 $854 $71
Escape XLT 2WD $158 $256 $324 $20 $96 $854 $71
Escape Limited 2WD $182 $256 $324 $20 $96 $878 $73
Escape XLT 4WD $182 $256 $324 $20 $96 $878 $73
Escape Limited 4WD $182 $312 $324 $20 $96 $934 $78
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Premium costs do not factor in garaging location in Houston which can influence prices greatly.

Based on the figures above, using a $250 deductible could cost the average driver approximately $24 more each month or $288 annually than quoting the higher $1,000 deductible. Since you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you have at a minimum 31 months between claim filings, you would save money if you opt for a higher deductible. Here’s a better example of how you can come to your own conclusion.

Average monthly premium for $250 deductibles: $97
Average monthly premium for $1,000 deductibles (subtract): – $73
Monthly savings from raising deductible: $24
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $24
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 31 months

Safe drivers Houston pay cheaper rates

The chart below illustrates how speeding tickets and at-fault collisions increase Ford Escape insurance costs for each age group. The premium estimates are based on a single male driver, comp and collision included, $1,000 deductibles, and no discounts are taken into consideration.

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

Not many people think insurance is cheap, but you can get discounts that you may not know about. Certain reductions will be credited at the time of purchase, but some need to be requested specifically before they will apply.Auto insurance discounts

You should keep in mind that most of the big mark downs will not be given to all coverage premiums. Some only reduce individual premiums such as collision or personal injury protection. So when the math indicates it’s possible to get free car insurance, it doesn’t quite work that way. But all discounts should help lower the cost of coverage.

Companies and some of the discounts are included below.

If you need lower rates, check with each company which discounts you may be entitled to. Discounts may not apply to policyholders in your state. If you would like to view insurers with discount auto insurance rates in Texas, click here.

It may be expensive, but it’s not optional

Despite the fact that insurance is not cheap in Houston, insurance may be required and benefits you in several ways.

The benefits of carrying enough insurance definitely exceed the price paid, particularly if you ever have a claim. In a recent study of 1,000 drivers, the average customer is wasting up to $820 a year so it’s very important to do a rate comparison at least once a year to be sure current rates are still competitive.

What if I want to buy from local Houston car insurance agents?

A lot of people would prefer to sit down with an agent and often times that is recommended One of the best bonuses of getting online price quotes is you can get cheap car insurance quotes and still have a local agent.

To find an agent, once you fill out this quick form, your coverage information is sent to companies in Houston who can give free rate quotes and help you find cheaper coverage. There is no reason to contact any agents since price quotes are sent to your email. Get lower rates and a licensed agent to talk to. In the event you want to compare prices from one company in particular, you just need to visit that company’s website and fill out the quote form the provide.

Selecting an insurer is decision based upon more than just a cheap price quote. Any agent in Houston should have no problem answering these questions:

The type of auto insurance agent you choose is important

If you want to use an insurance agent, it helps to know the two types of insurance agents and how they can quote your rates. Car insurance agents are classified as either independent agents or exclusive agents depending on their employer.

Exclusive Agencies

Exclusive agents can only place business with one company and some examples include Allstate, Farmers Insurance or State Farm. They usually cannot compare other company’s rates so they are skilled at selling on more than just price. Exclusive agencies receive a lot of sales training on their company’s products which helps them compete with independent agents.

Listed below are Houston exclusive insurance agencies that can give you price quote information.

Lucrecia Jasminoy – State Farm Insurance Agent
223 Cavalcade StHouston, TX 77009(713) 884-1442View Map

1110 E NASA Pkwy Ste 300Houston, TX 77058(281) 204-8282View Map

2575 S Dairy Ashford Rd mHouston, TX 77077(281) 496-5330View Map

View more Houston agents

Independent Agents

Independent insurance agents do not work for one specific company so they can quote policies with multiple insurance companies enabling the ability to shop coverage around. To move your coverage to a new company, your policy is moved internally without you having to go to a different agency. When comparing car insurance prices, you absolutely need to check rates from several independent agencies so that you can do a thorough price comparison.

Listed below are Houston independent insurance agencies willing to provide price quotes.

3824 Broadway StHouston, TX 77017(713) 645-1500View Map

6633 Hillcroft St #101Houston, TX 77081(713) 270-9373View Map

360 FM 1959Houston, TX 77034(281) 484-8320View Map

View more Houston agents