Are you tired of overpaying and want the cheapest Ford Escape insurance in Allentown? Locating the cheapest Allentown Ford Escape insurance quotes online is intimidating for people that are relatively new to comparing prices online. When there are so many companies competing online, how can people effectively compare all the different companies and get the best pricing?

Insurance for Ford EscapeInconceivable but true, the majority of drivers renewed their policy with the same company for four years or more, and roughly 40% of drivers have never shopped around. Consumers in Allentown could save themselves 55% a year, but they don't want to take the time to compare rate quotes online.

All major insurance companies like GEICO, State Farm and Progressive give price estimates online. Comparing Ford Escape insurance rates online can be done by anyone as all you need to do is type in the amount of coverage you want into the quote form. Once you submit the form, their quoting system sends out for your driving and credit reports and generates a price based on many factors.

This makes comparing rates easy, and it is imperative to have as many quotes as possible in order to get cheap insurance pricing.

To compare pricing, compare quotes from the companies shown below. If you currently have coverage, we recommend you enter the coverage information exactly as they are listed on your policy. This way, you will have a fair comparison using the exact same coverages.

The auto insurance companies shown below are ready to provide comparison quotes in Allentown, PA. To get cheap auto insurance in Pennsylvania, we suggest you visit several of them to find the cheapest auto insurance rates.

Ford Escape Insurance Rates in Allentown, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $214 $346 $286 $16 $86 $948 $79
Escape XLS 4WD $134 $254 $338 $20 $102 $848 $71
Escape XLT 2WD $138 $236 $264 $16 $78 $732 $61
Escape Limited 2WD $154 $254 $338 $20 $102 $868 $72
Escape XLT 4WD $244 $398 $364 $22 $108 $1,136 $95
Escape Limited 4WD $236 $346 $366 $22 $110 $1,080 $90
Get Your Own Custom Quote Go

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Rate quotes do not factor in vehicle location which can modify auto insurance rates greatly.

Cost comparison with and without full coverage

The chart below illustrates the difference between Ford Escape auto insurance rates with and without full coverage. The rate quotes are based on no tickets, no at-fault accidents, $100 deductibles, married female driver, and no discounts are taken into consideration.

Should you pay for full coverage or liability only?

There is no definitive rule to drop full coverage, but there is a general guideline. If the yearly cost for physical damage coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then it's probably a good time to buy liability coverage only.

For example, let's say your Ford Escape settlement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is totaled, you would only receive $5,000 after paying the physical damage deductible. If premium cost is more than $500 a year for full coverage, then you may need to consider dropping full coverage.

There are some scenarios where dropping full coverage is not a good idea. If you still have a lienholder on your title, you have to maintain full coverage to protect the lienholder's interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not drop full coverage.

Verify you're getting every discount

Auto insurance companies don't necessarily list every disount available very clearly, so the below list has some of the more common as well as the least known discounts you could be receiving when you buy Allentown car insurance online.Cheaper insurance with discounts

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to the price of certain insurance coverages like comprehensive or collision. If you do the math and it seems like all those discounts means the company will pay you, company stockholders wouldn't be very happy.

To see a list of insurance companies that offer multiple discounts in Pennsylvania, click here.

Car insurance in Pennsylvania serves several purposes

Despite the high cost, buying car insurance is a good idea for several reasons.

The benefits of insuring your Escape definitely exceed the price paid, specifically if you ever have a liability claim. Today the average American driver is wasting up to $865 each year so you should quote your policy with other companies once a year at a minimum to save money.

Do I need an agent?

Many drivers just prefer to have an agent's advice and that can be a great decision A good thing about comparing auto insurance online is you may find lower rates but also keep your business local. And buying from local agents is still important in Allentown.

Allentown insurance agentsOnce you complete this short form, the quote information is submitted to participating agents in Allentown that give free quotes for your auto insurance coverage. You never need to drive around because quoted prices will be sent instantly to you. You can find the lowest rates without a big time investment. If for some reason you want to compare rates from a specific auto insurance provider, don't hesitate to find their quoting web page to submit a rate quote request.

Shown below are Allentown auto insurance companies that are able to give rate quotes for Ford Escape insurance in Allentown.

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Finding the right insurance company needs to be determined by more than just a cheap price. Agents should be asked these questions:

Upon receiving good responses to any questions you have and a good coverage price, you've probably found an insurance company that is reputable and can adequately provide auto insurance. But remember, once you purchase a policy you can terminate your policy any time you want so don't think that you're stuck with any specific agency for the entire policy term.