Discount Ford Escape insuranceHigh-priced auto insurance in Atlanta can bleed your monthly budget and make it tough to pay other bills. Comparing price quotes is recommended to cut your insurance bill.

Sad but true, most auto insurance customers kept buying from the same company for over three years, and approximately 40% of consumers have never compared rate quotes at all. Atlanta insurance shoppers could save an average of $960 each year, but they think it's difficult to find lower-cost auto insurance rates.

Big-name insurance companies like Allstate, Progressive and GEICO promote their brand names with catchy ads and it is difficult to see through the deception and find the best price available.

You should make it a habit to do rate comparisons once or twice a year because auto insurance prices fluctuate regularly. Just because you found the lowest rate on Ford Escape insurance in Atlanta a few years ago the chances are good that you can find a lower premium rate today. You'll find quite a bit of inaccurate information about Escape insurance on the web, but we're going to give you some of the best ways to reduce your auto insurance bill.

Learn How to Lower Your Insurance Prices

Many different elements are taken into consideration when you quote your car insurance policy. Some of the criteria are obvious such as traffic violations, although some other factors are more obscure such as whether you are married or your commute time. A large part of saving on auto insurance is knowing the factors that are used to determine the price you pay for auto insurance. If you know what impacts premium levels, this empowers consumers to make smart changes that will entitle you to lower auto insurance prices.

The items below are a few of the things used by companies to determine your rates.

When quoting auto insurance, remember that comparing more prices will enable you to find lower pricing. Not every company provides price estimates online, so it's recommended that you also compare rates on coverage from those companies, too.

The companies shown below provide free rate quotes in Georgia. If multiple providers are shown, it's highly recommended you visit several of them in order to get a fair rate comparison.

Ford Escape Insurance Estimates in Atlanta, GA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $206 $384 $434 $26 $130 $1,180 $98
Escape XLS 4WD $254 $492 $352 $20 $106 $1,224 $102
Escape XLT 2WD $216 $340 $334 $20 $100 $1,010 $84
Escape Limited 2WD $238 $384 $434 $26 $130 $1,212 $101
Escape XLT 4WD $238 $384 $434 $26 $130 $1,212 $101
Escape Limited 4WD $332 $704 $404 $24 $122 $1,586 $132
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Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Rate information does not factor in your specific Atlanta location which can lower or raise coverage prices greatly.

Physical damage deductibles

The example below demonstrates how deductible levels and can influence Ford Escape insurance costs for each different age category. The premiums are based on a single male driver, comprehensive and collision coverage, and no other discounts are factored in.

Gender differences in auto insurance premiums

The information below illustrates the difference between Ford Escape auto insurance costs for male and female drivers. The data is based on no driving violations, no at-fault accidents, comp and collision included, $500 deductibles, drivers are single, and no discounts are factored in.

Where to set your deductibles

One frequently asked question is where to set your physical damage deductibles. The following insurance rates show the rate difference between low and high deductibles. The first rate table uses a $250 deductible for comp and collision and the second price grid uses a $1,000 deductible.

Ford Escape insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $264 $420 $334 $20 $100 $1,163 $97
Escape XLS 4WD $264 $420 $334 $20 $100 $1,163 $97
Escape XLT 2WD $264 $420 $334 $20 $100 $1,163 $97
Escape Limited 2WD $304 $420 $334 $20 $100 $1,203 $100
Escape XLT 4WD $304 $420 $334 $20 $100 $1,203 $100
Escape Limited 4WD $304 $512 $334 $20 $100 $1,295 $108
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Ford Escape insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $164 $264 $334 $20 $100 $882 $74
Escape XLS 4WD $164 $264 $334 $20 $100 $882 $74
Escape XLT 2WD $164 $264 $334 $20 $100 $882 $74
Escape Limited 2WD $188 $264 $334 $20 $100 $906 $76
Escape XLT 4WD $188 $264 $334 $20 $100 $906 $76
Escape Limited 4WD $188 $322 $334 $20 $100 $964 $80
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Premium costs do not factor in specific location which can raise or lower insurance rates considerably.

We can estimate from the data above that using a $250 deductible costs an average of $24 more each month or $288 annually than requesting the higher $1,000 deductible. Since you would have to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to go at a minimum 31 months between claims, you would more than likely save some money by going with a higher deductible.

How to calculate deductible break even period

Average monthly premium for $250 deductibles: $100
Average monthly premium for $1,000 deductibles (subtract): - $76
Monthly savings from raising deductible: $24
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $24
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 31 months

One important caveat is that raising deductibles to get cheaper rates results in a higher out-of-pocket expense at claim time. You need enough disposable savings in the event you need to pay more for the deductible.

Does auto insurance advertising bend the truth?

Big name companies like Allstate, GEICO and Progressive continually stream ads on television and other media. They all state the claim about how much you will save just by switching your policy. How is it possible that every company can offer drivers better rates? Here is the trick they use.

All companies offer their best rates for the type of driver that is profitable for them. A good example of a desirable risk may be over the age of 40, has a clear driving record, and the vehicle is rated for pleasure use. Any person that fits those parameters gets the lowest rates and therefore will save some money.

Consumers who don't measure up to those criteria will probably have to pay a more expensive rate and this results in business going elsewhere. The ads say "customers who switch" but not "everyone who gets a quote" will save that much if they switch. That's the way insurance companies can make claims that they all have the best car insurance rates.

This really drives home the point why drivers must get as many free Atlanta auto insurance quotes as possible. It's just not possible to know with any certainty which company will have the lowest rates for your situation.

Choosing Ford Escape insurance is an important decision

Even though Atlanta Escape insurance rates can get expensive, paying for auto insurance is a good idea for several reasons.

The benefits of insuring your car are without a doubt worth the cost, especially when you need to use it. According to a survey of 1,000 drivers, the average driver is overpaying over $750 every year so compare quotes from several companies once a year at a minimum to be sure current rates are still competitive.

Get affordable Ford Escape insurance in Atlanta with discounts

Auto insurance companies don't always advertise every discount very clearly, so we took the time to find both the well known as well as some of the hidden credits available to lower your premiums when you buy Atlanta auto insurance online. If they aren't giving you every credit you deserve, you could be paying more than you need to.Save money with discounts

As a footnote on discounts, most of the big mark downs will not be given to your bottom line cost. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So when the math indicates you would end up receiving a 100% discount, you aren't that lucky.

Car insurance companies that may offer quotes with many of the previously listed discounts possibly include:

If you need affordable Ford Escape insurance quotes, ask all the companies how many discounts you can get. Discounts may not apply to policies in your area. To choose providers with the best discounts in Atlanta, click here to view.

Compare prices but buy from a local Atlanta insurance agent

Some consumers just prefer to talk to a local agent and that is a smart decision One of the benefits of getting online price quotes is that you can find cheap car insurance rates and still choose a local agent. And providing support for local insurance agencies is definitely important in Atlanta.

Atlanta insurance agentsUpon completion of this form (opens in new window), your coverage information is sent to agents in your area who will give you quotes for your car insurance coverage. You won't even need to find an agent on your own because prices are sent to you directly. It's the lowest rates without a big time investment. If you wish to get a price quote from a specific car insurance provider, just search and find their rate quote page and fill out their quote form.

Compare rates from both independent and exclusive auto insurance agents

If you are searching for a local agent, it helps to know the two different agency structures and how they differ in how they quote coverages. Car insurance agents in Atlanta can either be exclusive or independent.

Independent Insurance Agents

Agents of this type are appointed with more than one company so they can write business through many different car insurance companies and find you the best rates. If they quote lower rates, an independent agent can move your coverage which is easy for the insured. If you are comparing rate quotes, you need to include several independent agencies to get the most accurate price comparison.

Featured below is a list of independent insurance agencies in Atlanta that may be able to give rate quotes.

Gibb Insurance Agency
991 Cascade Rd SW - Atlanta, GA 30311 - (404) 758-3511 - View Map

3201 Atlanta Industrial Pkwy NW b220 - Atlanta, GA 30331 - (404) 660-3821 - View Map

2800 Century Pkwy NE #300 - Atlanta, GA 30345 - (404) 633-4321 - View Map

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Exclusive Agents

Agents that choose to be exclusive can only place business with one company such as State Farm, AAA, and Liberty Mutual. These agents are not able to place coverage with different providers so you need to shop around if the rates are high. Exclusive agents are trained well on their company's products which helps them sell insurance even at higher premiums.

Listed below are exclusive insurance agents in Atlanta that can give you comparison quotes.

3040 Briarcliff Rd NE c - Atlanta, GA 30329 - (404) 748-9739 - View Map

1544 Piedmont Ave NE #107 - Atlanta, GA 30324 - (404) 892-0101 - View Map

2030 Bolton Rd NW #200 - Atlanta, GA 30318 - (678) 705-5898 - View Map

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Choosing the best car insurance agent shouldn't rely on just the bottom line cost. These are some valid questions you should ask.

Car insurance is unique, just like you

When quoting and comparing the best car insurance coverage, there really is no perfect coverage plan. Every situation is different.Drive safe and save

These are some specific questions might point out whether or not you would benefit from professional advice.

If you don't know the answers to these questions, you may need to chat with a licensed agent. To find an agent in your area, complete this form.

Get the best coverage at the most affordable price

We covered many tips how you can get a better price on Ford Escape insurance in Atlanta. The most important thing to understand is the more price quotes you have, the better your comparison will be. Drivers may even discover the best prices are with a lesser-known regional company.

The cheapest Ford Escape insurance in Atlanta can be sourced both online and also from your neighborhood Atlanta agents, so get free Atlanta auto insurance quotes from both of them in order to have the best price selection to choose from. Some insurance providers may not provide the ability to get a quote online and most of the time these regional carriers prefer to sell through independent agents.

As you restructure your insurance plan, it's a bad idea to buy lower coverage limits just to save a few bucks. There have been many cases where someone sacrificed collision coverage only to regret at claim time they didn't have enough coverage. Your focus should be to buy the best coverage you can find at the best possible price and still be able to protect your assets.

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