Insurance quote for Ford Escape in San AntonioDo you get exhausted from trying to scrape together enough money to make your auto insurance payment? You are in the same boat as many other Texas drivers.

Astonishing but true, nearly 70% of consumers have purchased from the same company for over three years, and about 40% of consumers have never even compared rates from other companies. Many consumers in Texas could cut their rates by up to 70% a year, but they just don't understand how easy it is to compare rate quotes online.

Numerous insurers battle for your business, so it can be very hard to choose a insurer to get the best price available on Ford Escape insurance in San Antonio.

If you have coverage now, you will be able to save money using the concepts covered in this article. Locating the best rates in San Antonio is really not that difficult. But Texas drivers can benefit by having an understanding of the way insurance companies determine how much to charge because rates fluctuate considerably.

Verify you're earning every discount

Insurance is easily one of your largest bills, but discounts can save money and there are some available that many people don't even know exist. Some trigger automatically when you quote, but some must be asked about prior to getting the savings.Insurance discounts

A quick disclaimer, some credits don't apply to all coverage premiums. Some only reduce individual premiums such as liability, collision or medical payments. Even though it may seem like having all the discounts means you get insurance for free, nobody gets a free ride. Any qualifying discounts will help lower the cost of coverage.

A list of insurance companies and their offered discounts are included below.

Check with all the companies to apply every possible discount. Some discounts listed above might not be offered in San Antonio. If you would like to choose from a list of insurers offering insurance discounts in Texas, click here.

There are several ways to compare quotes from lots of Texas auto insurance companies. The quickest method to find the cheapest insurance rates is to jump online and get quotes.

Doing online rates comparisons is so easy that it makes it a waste of time to waste gas driving to different agent offices. Quoting and buying Ford Escape insurance online eliminates the middleman unless you're the type of person who wants the professional abilities of a licensed agent. However, consumers can find lower rates online but buy from a local insurance agent.

It's important to know that comparing more prices increases your odds of finding the best rates. Not every company allows you to get San Antonio Escape insurance quotes online, so it's important to compare quotes on coverage from those companies, too.

The companies shown below provide comparison quotes in San Antonio, TX. If you want cheap car insurance in Texas, we suggest you visit as many as you can to get the best price comparison.

Ford Escape Insurance Estimates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $154 $252 $330 $20 $98 $854 $71
Escape XLS 4WD $180 $338 $366 $22 $110 $1,016 $85
Escape XLT 2WD $278 $476 $330 $20 $98 $1,202 $100
Escape Limited 2WD $322 $560 $392 $24 $118 $1,416 $118
Escape XLT 4WD $142 $218 $310 $18 $94 $782 $65
Escape Limited 4WD $282 $610 $366 $22 $110 $1,390 $116
Get Your Own Custom Quote Go

Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Rate information does not factor in specific location information which can revise premiums significantly.

Analysis of deductible levels

When comparing auto insurance rates, the most common question is at what level do you set your deductibles. The rates shown below can help you visualize how much more rates are when you choose different comp and collision deductibles. The first rate comparisons uses a $250 physical damage coverage deductible and the second price table uses a $1,000 deductible.

Ford Escape insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $256 $408 $324 $20 $96 $1,129 $94
Escape XLS 4WD $256 $408 $324 $20 $96 $1,129 $94
Escape XLT 2WD $256 $408 $324 $20 $96 $1,129 $94
Escape Limited 2WD $294 $408 $324 $20 $96 $1,167 $97
Escape XLT 4WD $294 $408 $324 $20 $96 $1,167 $97
Escape Limited 4WD $294 $496 $324 $20 $96 $1,255 $105
Get Your Own Custom Quote Go
Ford Escape insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $158 $256 $324 $20 $96 $854 $71
Escape XLS 4WD $158 $256 $324 $20 $96 $854 $71
Escape XLT 2WD $158 $256 $324 $20 $96 $854 $71
Escape Limited 2WD $182 $256 $324 $20 $96 $878 $73
Escape XLT 4WD $182 $256 $324 $20 $96 $878 $73
Escape Limited 4WD $182 $312 $324 $20 $96 $934 $78
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Rates do not factor in your specific San Antonio location which can impact insurance rates significantly.

Using the premium rates above, we can conclude that using a $250 deductible will cost you roughly $24 more each month or $288 a year than requesting the higher $1,000 deductible. Because you would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you have more than 31 months between claims, you would probably come out ahead by going with a higher deductible.

An analysis of deductible level

The illustration below shows how different deductible levels and can impact Ford Escape yearly insurance costs for each age group. The rates are based on a married female driver, comprehensive and collision coverage, and no additional discounts are factored in.

Do you need full coverage?

The example below shows the difference between Ford Escape premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The rates are based on no claims, a clean driving record, $1,000 deductibles, married male driver, and no discounts are applied.

Should you pay for full coverage?

There is no clear-cut formula that is best for determining when to drop physical damage coverage on your policy, but there is a general convention. If the yearly cost of full coverage is about 10% or more of replacement cost minus your deductible, then it might be time to consider dropping full coverage.

For example, let's say your Ford Escape settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would receive is $8,000 after the deductible is paid. If you are paying more than $800 a year for comprehensive and collision coverage, then it may be the right time to buy liability only.

There are a few cases where buying only liability insurance is not recommended. If you still have a lienholder on your title, you have to carry full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not consider dropping full coverage.

Can't I compare prices from local San Antonio car insurance agents?

Some people would prefer to talk to an insurance agent and there is nothing wrong with that. One of the best bonuses of comparing auto insurance online is the fact that you can find the lowest rates and still buy from a local agent.

San Antonio insurance agentsUpon completion of this quick form, your insurance coverage information is emailed to companies in San Antonio who will gladly provide quotes for your insurance coverage. It makes it easy because there is no need to search for any insurance agencies since price quotes are sent immediately to your email address. You'll get the best rates and a licensed agent to work with. If you have a need to quote rates for a specific company, you can always search and find their rate quote page and complete a quote there.

Deciding on a company needs to be determined by more than just a cheap price. A good agent in San Antonio will have answers to these questions.

If you want a good insurance agency, there are a couple of different types of agents from which to choose. Auto insurance agencies may be either independent (non-exclusive) or exclusive.

Exclusive Auto Insurance Agents

These agents generally can only insure with one company like AAA, Allstate, and State Farm. These agents are not able to compare other company's rates so they have to upsell other benefits. They receive extensive training on their company's products which helps overcome the inability to quote other rates.

Listed below are San Antonio exclusive insurance agents willing to provide price quotes.

8802 Potranco Rd Ste 105 - San Antonio, TX 78251 - (210) 684-3800 - View Map

1583 Thousand Oaks - San Antonio, TX 78232 - (210) 496-5616 - View Map

10130 San Pedro Ave #103 - San Antonio, TX 78216 - (210) 349-1317 - View Map

More San Antonio agents

Independent Insurance Agents

Independent insurance agents are not employed by one company so they can quote policies with an assortment of companies and find the cheapest auto insurance rates. If premiums increase, your agent can just switch to a different company and that require little work on your part.

When comparing auto insurance rates, we recommend you include rate quotes from a couple of independent agencies to have the best price comparison.

Shown below are San Antonio independent insurance agents willing to provide comparison quotes.

800 Isom Rd # 100 - San Antonio, TX 78216 - (210) 366-5094 - View Map

Legion Insurance Agency
5309 Wurzbach Rd - San Antonio, TX 78230 - (210) 693-1501 - View Map

A and A Insurance Agency
1317 Castroville Rd - San Antonio, TX 78237 - (210) 434-2311 - View Map

More San Antonio agents

After getting reasonable responses to any questions you have and a low price estimate, it's a good possibility that you have found an insurance agent that can be trusted to provide auto insurance coverage.

Affordable car insurance rates are possible

Cheap Ford Escape insurance in San Antonio is attainable online in addition to many San Antonio insurance agents, so you need to shop San Antonio car insurance with both in order to have the best price selection to choose from. Some car insurance companies do not offer online quoting and these small insurance companies prefer to sell through independent insurance agents.

As you shop your coverage around, never buy poor coverage just to save money. In many instances, consumers will sacrifice liability limits or collision coverage only to regret that their decision to reduce coverage ended up costing them more. The proper strategy is to find the BEST coverage at an affordable rate.

Additional car insurance information can be read on the following sites: