Compare Ford Escape Insurance Rate Quotes in Virginia Beach

Discount Ford Escape insuranceThe best way to get the cheapest Ford Escape insurance in Virginia Beach is to annually compare prices from different companies who sell insurance in Virginia. Drivers can shop around by following these steps.

One key aspect of rate comparisons is to compare the same amount of coverage on every quote and and to analyze as many different insurance providers as possible. Doing this provides an apples-to-apples comparison and plenty of rates choose from.

It’s an obvious statement that auto insurance companies don’t want policyholders to shop around. Drivers who rate shop once a year are inclined to buy a different policy because they have good chances of getting low-cost coverage. A recent survey found that consumers who made a habit of comparing rates saved over $70 a month as compared to drivers who didn’t regularly shop around.

If finding the cheapest price on auto insurance is your objective, knowing the best way to compare insurance can help make the process easier and more efficient.

Finding the cheapest coverage in Virginia Beach is much easier if you have a good place to start. If you’re already insured, you will surely be able to reduce the price you pay using the techniques covered below. Consumers just need to learn the least time-consuming way to get comparison quotes from many companies at once.

The fastest way that we advise to compare policy rates for Ford Escape insurance in Virginia Beach is to understand most of the bigger providers participate in a system to quote your coverage. The only thing you need to do is provide details including if a SR-22 is needed, if you have a valid license, marital status, and if it has an anti-theft system. That rating data is automatically sent to many different companies and you will get price comparisons immediately.

If you would like to start a quote now, click here and enter your zip code.

The providers in the list below offer quotes in Virginia Beach, VA. To locate cheap car insurance in Virginia Beach, VA, we recommend you click on several of them in order to find the lowest rates.

Affordable rates with these five discounts

The cost of insuring your cars can be expensive, but you might already qualify for some discounts to cut the cost considerably. A few discounts will automatically apply when you purchase, but some need to be asked for before being credited.Cheaper insurance with discounts

As is typical with insurance, many deductions do not apply to the overall cost of the policy. A few only apply to individual premiums such as physical damage coverage or medical payments. Despite the fact that it seems like you can get free auto insurance, it doesn’t quite work that way. Any qualifying discounts will definitely reduce your overall premium however.

The illustration below compares Ford Escape insurance rates with and without discounts being applied to the rates. The prices are based on a female driver, no violations or accidents, Virginia state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, multi-policy, marriage, safe-driver, and multi-car discounts applied.

Popular insurance companies and a summarized list of policyholder discounts are shown below.

Before buying, ask all the companies to apply every possible discount. Some of the earlier mentioned discounts might not apply in Virginia Beach. To locate insurance companies that have a full spectrum of discounts in Virginia, click here.

Facts and figures for Ford Escape insurance

The premium table shown next outlines a range of insurance coverage prices for Ford Escape models. Learning a little about how insurance quotes are established can aid in making smart choices when comparing insurance rates.

Ford Escape Insurance Rates in Virginia Beach, VA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $156 $274 $296 $18 $88 $832 $69
Escape XLS 4WD $156 $274 $296 $18 $88 $832 $69
Escape XLT 2WD $156 $274 $296 $18 $88 $832 $69
Escape Limited 2WD $180 $274 $296 $18 $88 $856 $71
Escape XLT 4WD $180 $274 $296 $18 $88 $856 $71
Escape Limited 4WD $180 $332 $296 $18 $88 $914 $76
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Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Information does not factor in vehicle location which can impact premium rates considerably.

Analysis of deductible levels

One of the more difficult decisions when buying car insurance is how high or low should comp and collision deductibles be. The following tables illustrate the differences in price of buying low and high deductibles. The first rate estimation uses a $100 physical damage deductible and the second price table uses a $1,000 deductible.

Ford Escape insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $192 $328 $218 $12 $66 $841 $70
Escape XLS 4WD $192 $328 $218 $12 $66 $841 $70
Escape XLT 2WD $192 $328 $218 $12 $66 $841 $70
Escape Limited 2WD $222 $328 $218 $12 $66 $871 $73
Escape XLT 4WD $222 $328 $218 $12 $66 $871 $73
Escape Limited 4WD $222 $400 $218 $12 $66 $943 $79
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Ford Escape insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $108 $174 $218 $12 $66 $578 $48
Escape XLS 4WD $108 $174 $218 $12 $66 $578 $48
Escape XLT 2WD $108 $174 $218 $12 $66 $578 $48
Escape Limited 2WD $122 $174 $218 $12 $66 $592 $49
Escape XLT 4WD $122 $174 $218 $12 $66 $592 $49
Escape Limited 4WD $122 $210 $218 $12 $66 $628 $52
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Premium costs do not factor in the specific area where the vehicle is garaged which can impact premium rates significantly.

Based on the above data, using a $100 deductible could cost the average driver approximately $24 more each month or $288 a year than buying the higher $1,000 deductible. Because you would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you average at a minimum 38 months between claims, you would come out ahead by going with a higher deductible.

The diagram below demonstrates how deductible levels and can affect Ford Escape insurance costs for each different age group. The premium estimates are based on a single male driver, comprehensive and collision coverage, and no discounts are factored in.

Car insurance prices based on gender

The example below visualizes the comparison of Ford Escape insurance prices for male and female drivers. The data is based on a clean driving record, no claims, full physical damage coverage, $250 deductibles, drivers are single, and no discounts are applied.

Full coverage or liability only

The example below compares Ford Escape auto insurance rates with full coverage and liability only. The data is based on a clean driving record, no at-fault accidents, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.

When to stop buying physical damage coverage

There is no set guideline of when to stop paying for physical damage coverage on your policy, but there is a general convention. If the yearly cost for physical damage coverage is more than 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.

For example, let’s say your Ford Escape replacement cost is $8,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would get paid by your company is $7,000 after you pay the deductible. If it’s costing in excess of $700 annually for comprehensive and collision coverage, then you might want to think about dropping full coverage.

There are some situations where dropping physical damage coverage is not a good plan. If you haven’t satisfied your loan, you have to carry full coverage to protect the lienholder’s interest. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage.

Do I need an insurance agent?

A small number of people prefer to talk to an insurance agent and that is not a bad decision Licensed agents will help you protect your assets and help file insurance claims. A nice benefit of getting free rate quotes online is that drivers can save money and get lower premium rates and still have a local agent.

Insurance agency in Virginia BeachBy using this quick form, the quote information is immediately sent to local insurance agents who can give free rate quotes for your auto insurance coverage. It simplifies rate comparisons since you won’t have to contact any insurance agencies as quotes are delivered to the email address you provide. If for some reason you want to quote rates from a particular provider, don’t hesitate to visit that company’s website to submit a rate quote request.

Finding the right insurance company should include more criteria than just a low price. Here are some questions you should ask.

If you are wanting to find a reliable agent, there are two different types of agencies that you can select. Insurance agencies in Virginia Beach are considered either exclusive or independent agents depending on their company appointments. Either type can write policy coverage, but it’s a good idea to understand the differences because it can influence which agent you choose.

Exclusive Insurance Agencies

Agents that choose to be exclusive can only write with one company such as State Farm, AAA, and Liberty Mutual. Exclusive agencies are unable to shop your coverage around so they really need to provide good service. These agents are very knowledgeable on their company’s products which aids in selling service over price. Consumers frequently buy from exclusive agents mainly due to the brand and strong financial ratings.

The following is a short list of exclusive agencies in Virginia Beach who can help you get rate quotes.

View more Virginia Beach agents

Independent Agents (or Brokers)

Agents of this type often have affiliation with several companies so they can write business through many companies and get the cheapest rates. If they quote lower rates, the agent simply finds a different carrier and the insured can keep the same agent.

If you are comparing rate quotes, we highly recommend that you get several quotes from several independent insurance agents to get the most accurate price comparison. Most also write with companies that do not advertise much that may have much lower rates than larger companies.

Shown below are Virginia Beach independent insurance agents who can help you get rate quotes.

View more Virginia Beach agents

Why you need quality insurance for your Escape

Despite the potentially high cost of Ford Escape insurance, buying insurance is required for several reasons.

The benefits of insuring your car definitely exceed the price paid, specifically if you ever have a liability claim. In a recent study of 1,000 drivers, the average customer overpays as much as $850 per year so smart consumers compare quotes each time the policy renews to be sure current rates are still competitive.

Specifics of your car insurance policy

Learning about specific coverages of car insurance can help you determine appropriate coverage for your vehicles. Car insurance terms can be difficult to understand and nobody wants to actually read their policy.

Collision coverage – This pays for damage to your Escape resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as scraping a guard rail, crashing into a ditch, crashing into a building, hitting a parking meter and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible on your Escape in order to get cheaper collision rates.

Comprehensive (Other than Collision) – This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from getting keyed, hitting a deer, a broken windshield, theft and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers – This gives you protection when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Ford Escape.

Since many Virginia drivers only carry the minimum required liability limits (25/50/20), it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Coverage for liability – Liability insurance can cover damages or injuries you inflict on other’s property or people. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/20 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $20,000 of coverage for damaged property.

Liability coverage protects against claims like loss of income, medical expenses and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible. Virginia requires minimum liability limits of 25/50/20 but drivers should carry more liability than the minimum.

The chart below demonstrates why buying the state minimum limits may not be enough.

Medical expense insurance – Med pay and PIP coverage pay for short-term medical expenses such as hospital visits, X-ray expenses, surgery, nursing services and prosthetic devices. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

What is the best auto insurance company in Virginia Beach?

Choosing a highly-rated company can be challenging considering how many companies there are to choose from in Virginia. The company ratings shown next could help you pick which auto insurance companies you want to consider when looking for cheaper rates.

Top 10 Virginia Beach Car Insurance Companies by A.M. Best Rank

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

Top 10 Virginia Beach Car Insurance Companies Ranked by Claims Service

  1. Travelers
  2. Allstate
  3. Nationwide
  4. State Farm
  5. GEICO
  6. Liberty Mutual
  7. American Family
  8. Esurance
  9. AAA Insurance
  10. Titan Insurance

Cheaper car insurance is a realistic goal

When shopping online for car insurance, make sure you don’t buy less coverage just to save a little money. There are too many instances where an insured cut physical damage coverage and learned later that it was a big error on their part. Your objective should be to buy enough coverage at the best cost while still protecting your assets.

You just learned a lot of information how to get a better price on Ford Escape insurance in Virginia Beach. It’s most important to understand that the more quotes you get, the better your comparison will be. You may even discover the best prices are with a company that doesn’t do a lot of advertising.

Some insurance companies may not offer rate quotes online and most of the time these small, regional companies provide coverage only through independent insurance agents. Discount Ford Escape insurance is available on the web and with local Virginia Beach insurance agents, and you should be comparing both in order to have the best chance of saving money.

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