Save Money on Ford Escape Insurance in Fort Wayne

Insurance quote for Ford Escape in Fort WayneDo you want to stop overpaying and find cheaper auto insurance rates in Fort Wayne, IN? Fort Wayne drivers have a choice when trying to find affordable Ford Escape insurance. They can either spend hours struggling with agents trying to get quotes or use the internet to get rate quotes.

There are both good and bad ways to shop for auto insurance and you need to know the best way to get price quotes for a Ford and find the lowest price either online or from Fort Wayne insurance agents.

Remarkably, a study showed that the vast majority of consumers in Indiana have stayed with the same insurance company for more than four years, and nearly half have never shopped around. Consumers in the United States could save as much as $860 a year just by shopping around, but they don’t know how much savings they would realize if they swap their current policy for a cheaper one.

Affordable companies for Ford Escape insurance

The following companies are our best choices to provide free rate quotes in Indiana. To get the best auto insurance in Indiana, it’s highly recommended you click on several of them to find the lowest auto insurance rates.

Ford Escape coverage statistics

The coverage information displayed below covers a range of policy rates for Ford Escape models. Having a better idea how auto insurance premiums are formulated is important for you to make smart choices when selecting a policy.

Ford Escape Insurance Rates in Fort Wayne, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $132 $238 $250 $14 $76 $710 $59
Escape XLS 4WD $132 $238 $250 $14 $76 $710 $59
Escape XLT 2WD $132 $238 $250 $14 $76 $710 $59
Escape Limited 2WD $152 $238 $250 $14 $76 $730 $61
Escape XLT 4WD $152 $238 $250 $14 $76 $730 $61
Escape Limited 4WD $152 $288 $250 $14 $76 $780 $65
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Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Table data does not factor in vehicle location which can revise price quotes significantly.

The information below highlights how deductible choice and can affect Ford Escape insurance costs for different categories of driver ages. Data assumes a single male driver, comp and collision included, and no discounts are factored in.

Cost comparison with and without full coverage

The information below shows the difference between Ford Escape annual premium costs with full coverage compared to only the Indiana minimum liability coverage. The costs are based on no driving violations, no at-fault accidents, $1,000 deductibles, drivers are not married, and no discounts are factored in.

Should you be buying full coverage?

There isn’t a steadfast formula to stop buying full coverage, but there is a general convention. If the annual cost of your full coverage insurance is 10% or more of the replacement cost minus the deductible, then it might be time to buy liability only.

For example, let’s say your Ford Escape replacement value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company will settle for is $8,000 after paying the physical damage deductible. If premium cost is more than $800 annually for full coverage, then it might be time to consider dropping full coverage.

There are some scenarios where eliminating full coverage is not financially feasible. If you haven’t paid off your loan, you have to carry full coverage to protect the lienholder’s interest. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not buy liability only.

Lower Your Fort Wayne Insurance Premiums

Consumers need to have an understanding of some of the factors that help determine the price you pay for auto insurance. When you understand what impacts premium levels, this allows you to make good choices that can help you get much lower annual insurance costs. Lots of factors are part of the calculation when premium rates are determined. Some of the criteria are obvious like your driving record, but others are more transparent like where you live or your vehicle rating.

Lower rates by qualifying for discounts

Car insurance companies don’t always list every policy discount very clearly, so the list below gives a summary of both the well known in addition to some of the lesser obvious savings tricks you should be using when you buy Fort Wayne auto insurance online.Discount auto insurance

You can save money using discounts, but some of the credits will not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as comp or med pay. Just because you may think you would end up receiving a 100% discount, companies don’t profit that way.

The information below visualizes the comparison of Ford Escape insurance premiums with and without discounts applied to the premium. The premiums assume a female driver, no claims or driving violations, Indiana state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-car, marriage, safe-driver, and multi-policy discounts applied.

A list of companies and some of the discounts can be read below.

Before purchasing a policy, check with every prospective company how many discounts you can get. A few discounts may not apply to policies in your area. To see auto insurance companies that can offer you the previously mentioned discounts in Fort Wayne, follow this link.

Buying car insurance from Fort Wayne insurance agents

Many drivers just want to buy from a licensed agent and that can be a great decision Good insurance agents can point out coverage gaps and help you file claims. One of the benefits of comparing car insurance online is you can get the best rates but still work with a licensed agent. Putting coverage with local insurance agencies is definitely important in Fort Wayne.

Insurance agents in Fort WayneTo find an agent, once you fill out this form (opens in new window), your insurance data is instantly submitted to participating agents in Fort Wayne who will gladly provide quotes for your coverage. There is no need to contact any insurance agencies since price quotes are sent to you. If for some reason you want to compare rates for a specific company, you can always jump over to their website and complete a quote there.

Best auto insurance agent in Fort Wayne

When looking for a good insurance agency, you need to know there are two different types of agencies and how they can service your needs differently. Fort Wayne agents can be categorized as either independent or exclusive depending on the company they work for. Both types can sell car insurance policies, but we need to point out the differences because it can factor into the kind of agent you use.

Independent Car Insurance Agencies or Brokers

These agents are appointed with more than one company so they can write business with an assortment of companies and find the cheapest rate. If they find a cheaper price, they simply move the coverage in-house and you don’t have to do anything. When comparing rates, you should always contact a few independent agents so that you have a good selection of quotes to compare. Most also have access to small mutual carriers that can offer cheaper rates than bigger companies.

Shown below is a small list of independent insurance agents in Fort Wayne that can give you free rate quotes.

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Exclusive Insurance Agents

Agents in the exclusive channel normally can only provide a single company’s rates like Farmers Insurance and State Farm. They are unable to place coverage with different providers so if the price isn’t competitive there isn’t much they can do. Exclusive insurance agents are well schooled on their products and sales techniques which helps them compete with independent agents. Some insured continue to use the same exclusive agent partially due to high brand loyalty and solid financial strength.

The following are Fort Wayne exclusive insurance agencies that can give you rate quotes.

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Choosing the best insurance agent needs to be determined by more than just a cheap quote. These are valid questions to ask:

How to find a good Indiana auto insurance company

Finding the highest-rated auto insurance company can be challenging considering how many choices you have in Fort Wayne. The information listed below may help you analyze which providers to look at when comparing rate quotes.

Top 10 Fort Wayne Car Insurance Companies Ranked by Claims Service

  1. Progressive
  2. Travelers
  3. Liberty Mutual
  4. Nationwide
  5. USAA
  6. GEICO
  7. AAA Insurance
  8. Safeco Insurance
  9. Esurance
  10. The General

Top 10 Fort Wayne Car Insurance Companies by A.M. Best Rank

  1. USAA – A++
  2. GEICO – A++
  3. Travelers – A++
  4. State Farm – A++
  5. Allstate – A+
  6. Progressive – A+
  7. Erie Insurance – A+
  8. The Hartford – A+
  9. Nationwide – A+
  10. Esurance – A+

Auto insurance can get complicated

Always keep in mind that when comparing coverage for your vehicles, there isn’t really a best way to insure your cars. Every insured’s situation is different.Safe vehicles cost less to insure

For example, these questions may help you determine if your situation would benefit from professional advice.

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and can help protect your family.

Final considerations

When searching for low cost Fort Wayne auto insurance quotes, don’t be tempted to skimp on coverage in order to save money. There are too many instances where drivers have reduced physical damage coverage only to discover later that the few dollars in savings costed them thousands. The ultimate goal is to purchase a proper amount of coverage at the best cost while not skimping on critical coverages.

People change insurance companies for any number of reasons including poor customer service, questionable increases in premium, denial of a claim and high prices. It doesn’t matter what your reason, finding a great new company is pretty simple and you could end up saving a buck or two.

We just covered some good ideas how you can save on Ford Escape insurance in Fort Wayne. It’s most important to understand that the more price quotes you have, the better your comparison will be. Consumers could even find that the biggest savings come from a lesser-known regional company.

Steps to buying discount Ford Escape insurance in Fort Wayne

To save the most money, the best way to find more affordable Ford Escape insurance is to start comparing rates regularly from insurance carriers in Fort Wayne.

  1. Read about coverages and the modifications you can make to prevent high rates. Many rating factors that drive up the price like traffic citations and a negative credit history can be remedied by being financially responsible and driving safely.
  2. Request rate estimates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can give quotes from one company like Progressive or Allstate, while agents who are independent can quote prices for a wide range of insurance providers.
  3. Compare the quotes to your existing coverage to determine if switching companies saves money. If you can save money and change companies, ensure there is no coverage lapse between policies.
  4. Tell your current agent or company to cancel your current coverage. Submit the application along with any required down payment to the newly selected company. As soon as you receive it, place your new certificate of insurance above your visor, in the console, or in the glove compartment.

A crucial key to this process is to use similar coverage information on every quote request and and to get price quotes from all possible companies. Doing this helps ensure a level playing field and a thorough selection of prices.

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