Insurance rates Ford Escape in DallasAre you regretting the purchase of high-priced Ford Escape insurance in Dallas? It's quite common and there are lots of people in the same boat.

Statistics show that the vast majority of consumers have remained with the same car insurance company for at least four years, and nearly the majority have never compared rate quotes at all. Most drivers in Dallas can cut their rates by up to $1,800 a year by just comparing rate quotes, but they just don't want to compare rate quotes.

Companies like Progressive, State Farm and GEICO constantly bombard you with catchy ads and consumers find it hard to see through the deception and effectively compare rates to find the best deal.

You should make it a habit to get comparison quotes before your next renewal since prices change quite often. Just because you had the best deal on Ford Escape insurance in Dallas two years ago there is a good chance you can find better rates now. Ignore everything you know about car insurance because you're about to find out the quickest way to find great coverage at a great price.

If you have insurance now, you will surely be able to reduce premiums using the ideas you're about to read. Locating the best insurance company for you in Dallas is easy if you know what you're doing. But Texas vehicle owners can benefit from knowing how big insurance companies determine what you pay because rates are impacted by many factors.

Just keep in mind that comparing a wide range of rates will improve the odds of getting better pricing. Some insurance companies are not set up to provide rate quotes online, so you should also compare price quotes from those companies as well.

The companies in the list below are our best choices to provide comparison quotes in Texas. To get cheap car insurance in Texas, we suggest you get rates from several of them in order to find the most affordable rates.

Ford Escape Insurance Rates in Dallas, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $222 $414 $310 $18 $94 $1,058 $88
Escape XLS 4WD $124 $218 $310 $18 $94 $764 $64
Escape XLT 2WD $190 $302 $334 $20 $100 $946 $79
Escape Limited 2WD $230 $346 $310 $18 $94 $998 $83
Escape XLT 4WD $140 $212 $304 $18 $92 $766 $64
Escape Limited 4WD $142 $266 $310 $18 $94 $830 $69
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Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Information does not factor in your specific Dallas location which can raise or lower coverage prices noticeably.

Deductible comparison

One frequently asked question is how high should the physical damage coverage deductibles be. The figures shown below can help you visualize the rate difference when you choose different comp and collision deductibles. The first price estimate table uses a $250 deductible for physical damage and the second rate chart uses a $500 deductible.

Ford Escape insurance rates 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
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Ford Escape insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $208 $328 $324 $20 $96 $976 $81
Escape XLS 4WD $208 $328 $324 $20 $96 $976 $81
Escape XLT 2WD $208 $328 $324 $20 $96 $976 $81
Escape Limited 2WD $240 $328 $324 $20 $96 $1,008 $84
Escape XLT 4WD $240 $328 $324 $20 $96 $1,008 $84
Escape Limited 4WD $240 $400 $324 $20 $96 $1,080 $90
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Rates do not factor in specific Dallas garaging location which can alter premiums substantially.

Based on the data above, we can derive that using a $250 deductible will cost you roughly $13 more each month or $156 for a full year than buying the higher $500 deductible. Since you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you normally go at least 19 months between claims, you would come out ahead going with the higher deductible. Here's how this calculation is made.

Average monthly premium for $250 deductibles: $97
Average monthly premium for $500 deductibles (subtract): - $84
Monthly savings from raising deductible: $13
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $13
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 19 months

One big caveat is that raising deductibles to save money means you will have to pay more when you have a claim. That will force you to have enough money in the bank in the event you need to pay the deductible.

Choosing deductibles

The illustration below highlights how deductible selection and can influence Ford Escape insurance costs for each age group. The data is based on a married male driver, comprehensive and collision coverage, and no discounts are applied.

Cheaper rates on Ford Escape insurance in Dallas with these discounts

Buying auto insurance is not cheap, but there are discounts available that you may not even know about. Some discounts apply automatically when you quote, but once in a while a discount must be inquired about before being credited. If you do not check that you are getting every discount you qualify for, you are paying more than you should be.Save money with discounts

Discounts save money, but please remember that some of the credits will not apply to the entire cost. Some only reduce specific coverage prices like liability and collision coverage. So despite the fact that it appears you can get free auto insurance, that's just not realistic.

Larger auto insurance companies and some of their more popular discounts are outlined below.

If you are trying to find low cost Dallas car insurance quotes, ask every insurance company to give you their best rates. Savings may not apply to policyholders in your area. To choose providers that offer multiple discounts in Dallas, click this link.

Auto insurance is not optional

Despite the potentially high cost of Ford Escape insurance, paying for auto insurance serves an important purpose.

First, most states have minimum liability requirements which means you are required to carry a specific level of liability insurance coverage in order to be legal. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if your vehicle has a loan, most banks will make it mandatory that you carry insurance to ensure the loan is repaid in case of a total loss. If you default on your policy, the bank will be required to insure your Ford at an extremely high rate and force you to pay the higher premium.

Third, insurance protects not only your vehicle but also your assets. Insurance will also pay for all forms of medical expenses that are the result of an accident. Liability insurance will also pay attorney fees if someone files suit against you as the result of an accident. If mother nature or an accident damages your car, comprehensive and collision coverage will pay to repair the damage minus the deductible amount.

The benefits of carrying adequate insurance definitely exceed the cost, particularly for liability claims. Unknowingly, the average driver is overpaying over $800 each year so you should quote and compare rates at every policy renewal to ensure rates are inline.

Compare rate quotes but buy from a local Dallas insurance agency

Some people still prefer to have an agent's advice and doing so can bring peace of mind The biggest benefit of comparing insurance prices online is you can get lower prices but still work with a licensed agent. Buying from neighborhood agents is especially important in Dallas.

Dallas insurance agentsOnce you complete this short form, your insurance data is emailed to insurance agents in Dallas who can give free rate quotes for your business. You never need to contact any agents due to the fact that quote results will go immediately to your email address. You can get cheaper insurance rates AND an agent nearby. If you have a need to get a price quote for a specific company, you can always navigate to their website and fill out the quote form the provide.

Best auto insurance agent in Dallas

If you want to use a reliable insurance agent, it can be helpful to understand the different agency structures that differ in how they can insure your vehicles. Insurance agents are classified as either independent or exclusive depending on the company they work for.

Independent Insurance Agencies

Agents of this type can sell policies from many different companies and that enables them to quote your coverage with many different companies and find the cheapest insurance rates. If they find a lower price, they can switch companies in-house and you can keep the same agent.

If you need lower rates, we highly recommend that you compare quotes from at least one independent agent for maximum quote selection.

Listed below are independent insurance agencies in Dallas who can help you get free insurance rate quotes.

11661 Preston Rd #146 - Dallas, TX 75230 - (214) 890-0760 - View Map

3021 Lombardy Ln #101 - Dallas, TX 75220 - (469) 341-7831 - View Map

14180 Dallas Pkwy #900 - Dallas, TX 75254 - (972) 267-8000 - View Map

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Exclusive Insurance Agencies

These agents can usually just insure with one company such as Farmers Insurance, State Farm, or Allstate. These agents are unable to compare other company's rates so always compare other rates. Exclusive agents are highly trained on their products and sales techniques and that enables them to sell even at higher rates.

The following are Dallas exclusive agents willing to provide rate quotes.

3767 Forest Ln #107 - Dallas, TX 75244 - (972) 243-8894 - View Map

8150 N Central Expy #735 - Dallas, TX 75206 - (214) 363-4563 - View Map

4411 Lemmon Ave #203 - Dallas, TX 75219 - (214) 219-6610 - View Map

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Picking an auto insurance agent should include more criteria than just a cheap quote. Here are some questions you should ask.

Upon getting good feedback to these questions as well as an affordable premium quote, chances are good that you have found a car insurance agent that is reputable and can adequately provide insurance. Just be aware that you are entitled to cancel coverage whenever you wish so don't assume that you are permanently stuck with a policy for any length of time.