Car Insurance Rate Quotes for a Ford Escape in Tampa

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Insurance quote for Ford Escape in TampaThe most effective way to get the cheapest Ford Escape insurance in Tampa is to start comparing prices yearly from different companies who sell auto insurance in Florida.

  • Step 1: It will benefit you to learn about auto insurance and the things you can change to keep rates low. Many policy risk factors that result in higher rates such as high-risk driving behaviors and a less-than-favorable credit history can be rectified by making lifestyle changes or driving safer.
  • Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from a single company like Progressive and State Farm, while agents who are independent can provide prices from multiple sources. View a list of agents
  • Step 3: Compare the new rate quotes to your existing rates to see if switching to a new carrier will save money. If you find a better price and change companies, make sure the effective date of the new policy is the same as the expiration date of the old one.

One tip to remember is that you'll want to compare the same amount of coverage on every quote and and to get price estimates from as many car insurance companies as possible. Doing this enables an apples-to-apples comparison and the best price quote selection.

Everyone knows that insurance companies don't want you to compare rates. Insureds who compare price quotes will probably switch auto insurance companies because the odds are good of finding better rates. A recent auto insurance study discovered that drivers who compared rates regularly saved an average of $865 annually as compared to drivers who never shopped around.

If finding discount rates on Ford Escape insurance in Tampa is why you're here, then having some knowledge of how to find and compare car insurance can save time and money.

Locating the best rates in Tampa is quite easy. Nearly every person who wants cheaper car insurance most likely will find lower prices. But Florida consumers must learn how insurance companies set your policy premium because rates are impacted by many factors.

Tampa insurance discounts for a Ford Escape

Some companies don't always list every discount available in an easy-to-find place, so the list below gives a summary of some of the best known in addition to some of the lesser obvious auto insurance savings.Cheaper auto insurance with discounts

  • Service Members Pay Less - Being on active deployment in the military could mean lower prices.
  • Sign Early and Save - A few insurance companies offer discounts for signing up before your current coverage expires. This discount can save up to 10%.
  • Low Mileage Discounts - Driving fewer miles could be rewarded with cheaper auto insurance rates.
  • Include Life Insurance and Save - Larger insurance carriers have lower rates if you buy some life insurance in addition to your auto policy.
  • Passive Restraints - Vehicles with factory air bags and/or automatic seat belt systems may qualify for discounts of more than 20%.
  • Homeowners Savings - Owning a house in Tampa can help you save on auto insurance because of the fact that having a home is proof that your finances are in order.
  • Claim Free - Claim-free drivers can earn big discounts in comparison to accident-prone drivers.
  • Paperwork-free - Certain companies give back up to $50 for buying your policy online.

Policy discounts save money, but most discounts do not apply to the entire policy premium. Most only apply to the cost of specific coverages such as liability, collision or medical payments. Despite the appearance that you would end up receiving a 100% discount, companies wouldn't make money that way. But all discounts will bring down your policy cost.

The information below shows the difference between Ford Escape auto insurance rates with and without discounts applied. The price estimates are based on a male driver, no claims or driving citations, Florida state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, homeowner, marriage, claim-free, and safe-driver discounts applied.

A partial list of companies who might offer these money-saving discounts include:

If you are trying to find affordable Ford Escape insurance quotes, ask every prospective company how many discounts you can get. Depending on the company, some discounts may not apply to policies everywhere.

The easiest way to compare insurance rates in your area takes advantage of the fact most larger insurance companies participate in a system to quote your coverage. To get started, all you need to do is give the companies some data such as if you require a SR-22, how many miles driven, how old drivers are, and marital status. Your information is then submitted to insurance companies and you should receive rate quotes quickly.

To start a rate quote now, click here and see if a lower rate is available in Tampa.

The following companies have been selected to offer free quotes in Tampa, FL. To buy the best cheap car insurance in Tampa, FL, we suggest you click on several of them to get a more complete price comparison.

Insurance rate breakdown

The information below highlights a range of prices for Ford Escape models. Learning more about how insurance prices are established is important for you to make decisions on the best policy coverages.

Ford Escape Insurance Rates in Tampa, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $150 $276 $400 $24 $120 $970 $81
Escape XLS 4WD $150 $276 $400 $24 $120 $970 $81
Escape XLT 2WD $150 $276 $400 $24 $120 $970 $81
Escape Limited 2WD $172 $276 $400 $24 $120 $992 $83
Escape XLT 4WD $172 $276 $400 $24 $120 $992 $83
Escape Limited 4WD $172 $334 $400 $24 $120 $1,050 $88
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Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Premium costs do not factor in Tampa location which can impact price quotes significantly.

How high should deductibles be?

The hardest decision when buying coverage is how high should your deductibles be. The rates shown below can help you understand the differences in price between low and high coverage deductibles. The first price estimate table uses a $100 deductible for comprehensive and collision coverage and the second pricing table uses a $500 deductible.

Ford Escape insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $312 $532 $354 $20 $106 $1,349 $112
Escape XLS 4WD $312 $532 $354 $20 $106 $1,349 $112
Escape XLT 2WD $312 $532 $354 $20 $106 $1,349 $112
Escape Limited 2WD $358 $532 $354 $20 $106 $1,395 $116
Escape XLT 4WD $358 $532 $354 $20 $106 $1,395 $116
Escape Limited 4WD $358 $648 $354 $20 $106 $1,511 $126
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Ford Escape insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $228 $360 $354 $20 $106 $1,068 $89
Escape XLS 4WD $228 $360 $354 $20 $106 $1,068 $89
Escape XLT 2WD $228 $360 $354 $20 $106 $1,068 $89
Escape Limited 2WD $262 $360 $354 $20 $106 $1,102 $92
Escape XLT 4WD $262 $360 $354 $20 $106 $1,102 $92
Escape Limited 4WD $262 $438 $354 $20 $106 $1,180 $98
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Table data does not factor in specific zip code location which can modify insurance rates significantly.

Based on the figures above, using a $100 deductible will cost you roughly $24 more each month or $288 annually than quoting the higher $500 deductible. Due to the fact that you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you average more than 17 months between claims, you would probably be better off by selecting a higher deductible.

How to determine when to raise deductibles

Average monthly premium for $100 deductibles: $116
Average monthly premium for $500 deductibles (subtract): - $92
Monthly savings from raising deductible: $24
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $24
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

One important caveat is that raising deductibles means you pay more out-of-pocket when you have a claim. That will require some extra savings in the event you need to pay more to get your vehicle repaired.

Don't assume everyone needs the same auto insurance coverage

Always remember that when buying proper insurance coverage for your personal vehicles, there really isn't a perfect coverage plan. Your situation is unique.Safe vehicles cost less to insure

For example, these questions may help highlight if you would benefit from professional advice.

  • Should I buy more coverage than the required Florida minimum liability coverage?
  • How does medical payments coverage work?
  • Is business property covered if stolen from my car?
  • How can I get the company to pay a claim?
  • If I drive on a suspended license am I covered?
  • Do I need an umbrella policy?
  • Which is better, split liability limits or combined limits?
  • How do I buy GAP insurance?
  • Is there a penalty for late payment?
  • How do I insure my teen driver?

If you can't answer these questions, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form.

Car insurance quotes from local Tampa insurance agencies

A small number of people still like to buy from a licensed agent and that can be a great decision A good thing about getting free rate quotes online is the fact that drivers can get cheap car insurance quotes but still work with a licensed agent.

Find insurance agent in TampaFor easy comparison, once you complete this form (opens in new window), your insurance data is emailed to companies in Tampa who want to provide quotes for your coverage. You won't even need to do any legwork since rate quotes are delivered straight to your inbox. You can find lower rates and an insurance agent to talk to. In the event you want to quote rates from a specific company, feel free to navigate to their website and fill out the quote form the provide.

Finding the right insurance company should include more criteria than just the bottom line cost. Any agent in Tampa should be forthright in answering these questions:

  • Does the company have a solid financial rating?
  • Are they giving you every discount you deserve?
  • Will the company cover a rental car if your car is getting fixed?
  • Can glass repairs be made at your home?
  • Which company do they place the most coverage with?
  • Are aftermarket or OEM parts used to repair vehicles?
  • Are they in the agency full-time?

In Summary

Cheap Ford Escape insurance in Tampa is definitely available on the web and from local insurance agents, and you should compare rates from both to have the best selection. Some companies may not have online price quotes and usually these small, regional companies sell through independent agencies.

We covered quite a bit of information on how to reduce Ford Escape insurance rates online in Tampa. The most important thing to understand is the more providers you compare, the better likelihood of getting inexpensive Tampa car insurance quotes. Consumers could even find that the biggest savings come from a smaller regional carrier.

When searching for cheaper Tampa car insurance quotes, make sure you don't reduce needed coverages to save money. In many cases, someone dropped liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your goal is to buy the best coverage you can find at the best possible price but still have enough coverage for asset protection.

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