Do you need a fast way to compare lower-priced car insurance rates in Erie, PA? Erie drivers have options when trying to find the best price on Ford Escape insurance. They can either waste time contacting agents trying to get quotes or leverage the internet to make rate comparisons. There are more efficient ways to shop for car insurance and you need to know the quickest way to price shop coverage for a new or used Ford and get the best price possible from both online companies and Erie agents.

Insurance for Ford EscapeStatistics show that almost 70% of insureds have remained with the same car insurance company for four years or more, and nearly 40% of drivers have never even shopped around for cheap coverage. The average driver in Erie can cut their rates by as much as $700 a year just by shopping around, but most just don't grasp the rate savings if they just switched companies.

You should make it a habit to take a look at other company's rates on a regular basis because insurance rates go up and down regularly. Even if you got the best deal on Ford Escape insurance in Erie last year you can probably find a lower rate today. There is a lot of bad advice regarding Escape insurance on the web, but in this article, you're going to get the easiest ways to reduce your car insurance bill.

Which Ford Escape insurance is cheapest in Erie, PA?

The companies shown below are ready to provide quotes in Erie, PA. To buy cheaper car insurance in Pennsylvania, we recommend you click on several of them to get a more complete price comparison.

Ford Escape Insurance Estimates in Erie, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $164 $262 $288 $18 $86 $818 $68
Escape XLS 4WD $172 $300 $268 $16 $80 $836 $70
Escape XLT 2WD $106 $188 $268 $16 $80 $658 $55
Escape Limited 2WD $236 $284 $366 $22 $110 $1,018 $85
Escape XLT 4WD $136 $218 $316 $18 $94 $782 $65
Escape Limited 4WD $218 $442 $316 $18 $94 $1,088 $91
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Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Estimates do not factor in specific Erie garaging location which can change auto insurance rates significantly.

Ford Escape insurance costs by age and gender

The example below shows the difference between Ford Escape auto insurance rates for male and female drivers. The price estimates are based on no accidents, no driving violations, full coverage, $1,000 deductibles, marital status is single, and no policy discounts are applied.

How much more does full coverage cost?

The illustration below shows the difference between Ford Escape insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Pennsylvania. The information is based on no claims or violations, $1,000 deductibles, single male driver, and no other discounts are factored in.

When to drop comp and collision

There is no set guideline for dropping physical damage coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is more than 10% of the replacement cost minus the deductible, then you may need to consider dropping full coverage.

For example, let's say your Ford Escape replacement cost is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company would pay you is $8,000 after paying your deductible. If you are currently paying more than $800 annually for comprehensive and collision coverage, then it could be time to drop full coverage.

There are a few situations where dropping physical damage coverage is not a good plan. If you still have a lienholder on your title, you have to keep full coverage in order to prevent your loan from defaulting. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not eliminate full coverage.

How high should deductibles be?

One frequently asked question is where to set your physical damage deductibles. The following insurance rates determine the difference in cost of buying low and high physical damage 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 policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $222 $352 $280 $16 $84 $979 $82
Escape XLS 4WD $222 $352 $280 $16 $84 $979 $82
Escape XLT 2WD $222 $352 $280 $16 $84 $979 $82
Escape Limited 2WD $254 $352 $280 $16 $84 $1,011 $84
Escape XLT 4WD $254 $352 $280 $16 $84 $1,011 $84
Escape Limited 4WD $254 $428 $280 $16 $84 $1,087 $91
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Ford Escape insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $136 $222 $280 $16 $84 $738 $62
Escape XLS 4WD $136 $222 $280 $16 $84 $738 $62
Escape XLT 2WD $136 $222 $280 $16 $84 $738 $62
Escape Limited 2WD $158 $222 $280 $16 $84 $760 $63
Escape XLT 4WD $158 $222 $280 $16 $84 $760 $63
Escape Limited 4WD $158 $270 $280 $16 $84 $808 $67
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Premium costs do not factor in vehicle garaging location which can revise premiums substantially.

We can derive from the above data that using a $250 deductible will cost you roughly $21 more each month or $252 a year than buying the higher $1,000 deductible. Because you would pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at a minimum 36 months between claims, you would come out ahead if you decide on a higher deductible.

Three reasons to insure your vehicle

Even though it's not necessarily cheap to insure a Ford in Erie, insurance is a good idea for several reasons.

First, the majority of states have compulsory liability insurance requirements which means the state requires specific minimum amounts of liability insurance in order to get the vehicle licensed. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you have a loan on your Escape, it's guaranteed your bank will make it mandatory that you have insurance to protect their interest in the vehicle. If you do not keep the policy in force, the bank may buy a policy for your Ford for a much higher rate and require you to fork over for the much more expensive policy.

Third, insurance protects both your Ford Escape and your assets. It will also pay for medical bills that are the result of an accident. Liability insurance also covers all legal expenses up to the policy limit in the event you are sued. If you receive damage to your vehicle caused by a storm or accident, comprehensive and collision coverage will pay to repair the damage.

The benefits of carrying adequate insurance are definitely more than the cost, especially with large liability claims. According to a recent study, the average American driver is wasting up to $850 per year so we recommend shopping around once a year at a minimum to make sure the price is not too high.

Discounts can help save money on Ford Escape insurance in Erie

Car insurance can be pricey, but you may qualify for discounts that can dramatically reduce your bill. Some discounts will apply when you quote, but less common discounts must be specially asked for before you will receive the discount.Car insurance discounts

A little note about advertised discounts, some of the credits will not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So even though it sounds like having all the discounts means you get insurance for free, it doesn't quite work that way.

To find providers offering car insurance discounts in Erie, follow this link.

Different people need different car insurance coverages

Always remember that when buying a policy for your vehicles, there really is no best way to insure your cars. Every insured's situation is different and your car insurance should be unique as well.Car insurance savings Here are some questions about coverages that might point out if you will benefit from professional help.

If you don't know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

Compare rates but work with a local neighborhood Erie car insurance agent

A small number of people still prefer to talk to a local agent and doing so can bring peace of mind Professional insurance agents can help you build your policy and help file insurance claims. One of the great benefits of getting free rate quotes online is the fact that you can find cheap car insurance quotes and still buy from a local agent.

Insurance agents in ErieUpon completion of this short form, your coverage information is sent to companies in Erie that can give you free Erie car insurance quotes for your car insurance coverage. It's much easier because you don't need to find an agent because prices are sent directly to you. If for some reason you want to get a comparison quote from a particular provider, feel free to jump over to their website and give them your coverage information.

Finding the right insurer should include more criteria than just the bottom line cost. These are some valid questions you should ask.

The following is a list of auto insurance companies in Erie that may be willing to give rate quotes for Ford Escape insurance in Erie.

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Auto insurance coverages explained

Knowing the specifics of a auto insurance policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages found on the average auto insurance policy.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle's occupants from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Ford Escape.

Due to the fact that many Pennsylvania drivers only carry the minimum required liability limits (which is 15/30/5), their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability insurance

This can cover injuries or damage you cause to a person or their property. This insurance protects YOU from claims by other people. Liability doesn't cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 15/30/5 that means you have a limit of $15,000 per injured person, a limit of $30,000 in injury protection per accident, and property damage coverage for $5,000.

Liability coverage protects against claims such as pain and suffering, repair bills for other people's vehicles and structural damage. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford. Pennsylvania state law requires minimum liability limits of 15/30/5 but it's recommended drivers buy more coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for dental work, pain medications and surgery. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

This covers damage to your Escape caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like backing into a parked car, colliding with a tree, hitting a mailbox, hitting a parking meter and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It's also possible to bump up the deductible on your Escape to get cheaper collision coverage.

Comprehensive coverage

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hitting a bird, damage from getting keyed and damage from flooding. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Cover all your bases

Discount Ford Escape insurance in Erie can be sourced from both online companies and also from your neighborhood Erie agents, so you should be comparing quotes from both in order to have the best price selection to choose from. A few companies do not provide online rate quotes and many times these smaller companies sell through independent agents.

You just read quite a bit of information on how to compare Ford Escape insurance car insurance rates in Erie. It's most important to understand that the more price quotes you have, the higher your chance of finding affordable Ford Escape insurance quotes. You may even discover the best price on insurance is with an unexpected company. These smaller insurers often have lower premium rates on specific markets as compared to the big name companies such as Progressive and GEICO.

Much more information about insurance in Pennsylvania is available at these links: