Save Money on Ford Escape Insurance in Aurora

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No one in their right mind gets a kick out of paying for insurance, especially when they could find lower prices if they just compared rates.

Insurance rates Ford Escape in AuroraIt's an obvious assumption that car insurance companies don't want you quoting rates from other companies. People who shop around once a year are very likely to switch to a new company because of the high probability of finding lower rate quotes. Surprisingly, a recent survey revealed that people who routinely compared rates saved about $3,450 over four years compared to other drivers who don't make a habit of comparing rates.

If finding the lowest price for insurance is your ultimate goal, then knowing the best way to compare insurance rates can make shopping around easier.

How to find low-cost Ford Escape insurance in Aurora

The preferred way to quote cheaper Ford Escape insurance in Aurora is to start comparing prices regularly from insurers who provide car insurance in Colorado.

  1. Read and learn about policy coverages and the modifications you can make to keep rates in check. Many things that drive up the price such as inattentive driving and a lousy credit rating can be rectified by improving your driving habits or financial responsibility.
  2. Obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like GEICO or State Farm, while independent agents can quote prices from multiple insurance companies. Select a company
  3. Compare the new rates to the price on your current policy and determine if cheaper Escape coverage is available in Aurora. If you find better rates, verify that coverage does not lapse between policies.

One thing to remember is that you use the same level of coverage on each quote and and to get rate quotes from as many companies as you can. This enables a level playing field and a complete selection of prices.

Insurance companies such as Progressive, State Farm and GEICO persitently shower you with advertising and it is difficult to see through the cute green geckos and mayhem and do the work needed to find the best deal.

It's important to get comparison quotes quite often because insurance rates change frequently. If you had the lowest rate on Ford Escape insurance in Aurora at your last renewal there may be better deals available now. There is a lot of wrong information about Escape insurance online, but in a few minutes you can learn some excellent ideas to find cheap insurance in Aurora.

Companies offering Ford Escape insurance in Colorado

The auto insurance companies shown below can provide quotes in Aurora, CO. If multiple companies are listed, we recommend you compare several of them to get the lowest price.

Facts and figures for Ford Escape insurance

The table shown next outlines different coverage costs for Ford Escape models. Having a good understanding how insurance rates are figured can assist in making decisions on the best policy coverages.

Ford Escape Insurance Rates in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $256 $440 $304 $18 $92 $1,110 $93
Escape XLS 4WD $256 $440 $304 $18 $92 $1,110 $93
Escape XLT 2WD $256 $440 $304 $18 $92 $1,110 $93
Escape Limited 2WD $294 $440 $304 $18 $92 $1,148 $96
Escape XLT 4WD $294 $440 $304 $18 $92 $1,148 $96
Escape Limited 4WD $294 $536 $304 $18 $92 $1,244 $104
Get Your Own Custom Quote Go

Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Prices do not factor in your specific Aurora location which can raise or lower coverage prices noticeably.

Choosing deductibles

A question often asked by Aurora drivers is where should you set your physical damage deductibles. The following tables lay out the rate fluctuation when you select higher and lower comp and collision deductibles. The first pricing table uses a $100 comprehensive and collision deductible and the second set of rates uses a $1,000 deductible.

Ford Escape insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $264 $448 $298 $18 $90 $1,143 $95
Escape XLS 4WD $264 $448 $298 $18 $90 $1,143 $95
Escape XLT 2WD $264 $448 $298 $18 $90 $1,143 $95
Escape Limited 2WD $302 $448 $298 $18 $90 $1,181 $98
Escape XLT 4WD $302 $448 $298 $18 $90 $1,181 $98
Escape Limited 4WD $302 $546 $298 $18 $90 $1,279 $107
Get Your Own Custom Quote Go
Ford Escape insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $146 $236 $298 $18 $90 $788 $66
Escape XLS 4WD $146 $236 $298 $18 $90 $788 $66
Escape XLT 2WD $146 $236 $298 $18 $90 $788 $66
Escape Limited 2WD $168 $236 $298 $18 $90 $810 $68
Escape XLT 4WD $168 $236 $298 $18 $90 $810 $68
Escape Limited 4WD $168 $288 $298 $18 $90 $862 $72
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Premium amounts do not factor in specific zip code location which can affect premiums noticeably.

Based on this data, using a $100 deductible will cost you about $30 more each month or $360 a year across all Ford Escape models than buying the higher $1,000 deductible. Since you would pay $900 more out of your own pocket with a $1,000 deductible as compared to a $100 deductible, if you normally average at least 30 months between claim filings, you would probably save some money if you elect the higher deductible.

The illustration below shows how choosing a deductible and can raise or lower Ford Escape yearly insurance costs for different age groups. The rate quotes are based on a married male driver, comprehensive and collision coverage, and no policy discounts are applied.

Why Smart Buyers Pay Less for Ford Escape Insurance

Many things are part of the equation when premium rates are determined. A few of the factors are predictable such as your driving history, although some other factors are less apparent such as your marital status or your commute time. The best way to find cheaper car insurance is to take a look at the factors that are used to determine your policy premiums. If you have some idea of what impacts premium levels, this helps enable you to make changes that may result in better car insurance rates.

Is you job costing you more? - Careers such as fire fighters, architects, and financial analysts have higher premiums than the average policyholder in part from high stress and long work days. On the other hand, occupations like farmers, historians and retirees receive lower rates.

Gender impacts rates - Statistics have proven women are more cautious behind the wheel. This data doesn't prove that men are worse drivers. Men and women cause at-fault accidents at a similar rate, but men have costlier accidents. Not only that, but men also have more aggressive citations like driving under the influence (DUI).

The illustration below visualizes the comparison of Ford Escape premium costs for male and female drivers. The premiums are based on a clean driving record, no claims, full coverage, $100 deductibles, single status, and no discounts are factored in.

Deter car thieves - Choosing to buy a car with an alarm system can help lower your rates. Systems that thwart thieves like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help prevent car theft.

If you don't need it don't buy it - Insurance companies have many additional coverages that you can buy but may not be useful. Coverages for rental car coverage, better glass coverage, and extra equipment coverage are examples of these. These may sound like a good investment at first, but if you don't need them think about removing them and cutting costs.

Ford Escape insurance loss statistics - Auto insurance companies analyze the history of losses when setting rates for each model. Vehicles that statistically have higher prevalence or dollar amount of losses will have higher rates.

The table below demonstrates the actual insurance loss data for Ford Escape vehicles. For each coverage type, the loss probability for all vehicles averaged together is a value of 100. Values that are below 100 are indicative of better than average losses, while numbers above 100 indicate more frequent claims or an increased likelihood of larger losses.

Ford Escape Insurance Loss Statistics
Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Ford Escape 4dr 2WD 80 91 83 94 94 92
Ford Escape 4dr 4WD 81 84 94 85 90 77
BETTER
AVERAGE
WORSE

Statistics from IIHS.org for 2013-2015 Model Years

Get discounts on Aurora car insurance

Insuring your fleet can be pricey, but you might find some hidden discounts that you may not even be aware of. Certain credits will be shown when you quote, but a few need to be manually applied prior to getting the savings. If you do not double check each discount you deserve, you could be saving more on your car insurance.Discount car insurance

  • Payment Method - If you pay your entire premium ahead of time as opposed to paying monthly you may have a lower total premium amount.
  • Theft Deterrent Discount - Vehicles equipped with anti-theft or alarm systems help deter theft and will qualify for a discount on a Aurora car insurance quote.
  • Safety Course Discount - Completing a defensive driver course could save 5% or more and easily recoup the cost of the course.
  • Discount for Home Ownership - Simply owning a home may trigger a policy discount on car insurance since owning and maintaining a home shows financial diligence.
  • Membership in Organizations - Affiliation with specific professional or occupational memberships or organizations is a good way to get lower rates on your next renewal.
  • Good Driver Discounts - Safe drivers could pay up to 40% less compared to rates paid by drivers with frequent claims.
  • No Accidents - Aurora drivers who stay claim-free are rewarded with significantly better rates on Aurora car insurance quote when compared to bad drivers.
  • Telematics Devices - Drivers that enable their car insurance company to scrutinize when and where they use their vehicle remotely such as Snapshot from Progressive or Drivewise from Allstate might see lower rates as long as they are good drivers.
  • Bundle and Save - If you can combine your homeowners and auto policy and insure them both with the same insurance company you could get a discount of over 10 percent off each policy depending on the company.
  • 55 and Retired - Drivers that qualify as senior citizens are able to get better car insurance rates.

As is typical with insurance, some of the credits will not apply to your bottom line cost. Most only reduce the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears all those discounts means the company will pay you, you're out of luck.

The information below compares Ford Escape insurance prices with and without discounts being applied to the rates. The prices are based on a female driver, no violations or accidents, Colorado state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, safe-driver, homeowner, multi-policy, and marriage discounts applied.

If you would like to see a list of insurance companies who offer car insurance discounts in Colorado, follow this link.

Local insurance agents

Many drivers still like to sit down with an agent and we recommend doing that One of the great benefits of comparing rates online is the fact that drivers can get better rates but also keep your business local. Buying from local agencies is important especially in Aurora.

Aurora insurance agentsFor easy comparison, once you complete this quick form, your insurance coverage information is submitted to agents in your area who will return price quotes for your car insurance coverage. You never need to find an agent since rate quotes are delivered directly to your email. You can find lower rates AND a local agent. If you wish to compare rates from a particular provider, just jump over to their website and submit a quote form there.

What type of Aurora car insurance agent is right for you?

If you prefer to buy car insurance from a good Aurora insurance agent, there are two different types of agents that differ in how they can insure your vehicles. Insurance agencies in Aurora may be either exclusive agents or independent agents.

Independent Agents (or Brokers)

Agents that elect to be independent often have many company appointments and that gives them the ability to insure amongst many companies and help determine which has the cheapest rates. If they find a lower price, they can switch companies in-house and you won't have to switch agencies. When shopping rates, we highly recommend that you check rates from a couple of independent agencies to get the best comparison.

The following is a list of independent agents in Aurora that may be able to give you competitive price quotes.

Focus Insurance Agency
2993 S Peoria St #144 - Aurora, CO 80014 - (303) 695-6220 - View Map


1080 S Sable Blvd - Aurora, CO 80012 - (303) 344-2886 - View Map


2241 S Peoria St # 202 - Aurora, CO 80014 - (303) 337-3600 - View Map

More Aurora agents

Exclusive Car Insurance Agents

Exclusive insurance agents have only one company to place business with like Farmers Insurance or State Farm. Exclusive agents are unable to place coverage with different providers so you need to shop around if the rates are high. These agents are highly trained on their company's products which helps them sell insurance even at higher premiums.

Shown below are exclusive agencies in Aurora that are able to give comparison quotes.


5001 S Parker Rd - Aurora, CO 80015 - (303) 773-2019 - View Map


15062 E Mississippi Ave - Aurora, CO 80012 - (303) 750-5555 - View Map


15200 E Girard Ave Ste 4025 - Aurora, CO 80014 - (303) 696-2698 - View Map

More Aurora agents

Finding the right insurance agency needs to be determined by more than just a cheap price quote. These questions are important to ask:

  • Do they have 24-hour customer assistance?
  • Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
  • Do the companies they represent have a solid financial rating?
  • How long have they worked with personal auto insurance coverage?
  • Are there any extra charges for paying monthly?
  • Do they receive special compensation for putting your coverage with one company over another?

Colorado auto insurance company ratings

Selecting a high-quality auto insurance provider can be rather challenging considering how many choices there are in Aurora. The company rank data displayed below could help you decide which auto insurance companies you want to consider when shopping around.

Top 10 Aurora Car Insurance Companies Overall

  1. USAA
  2. American Family
  3. State Farm
  4. The Hartford
  5. AAA Insurance
  6. GEICO
  7. The General
  8. Titan Insurance
  9. Progressive
  10. Allstate

Top 10 Aurora Car Insurance Companies Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. Titan Insurance
  5. The General
  6. AAA Insurance
  7. State Farm
  8. Nationwide
  9. Safeco
  10. Esurance

Compare but don't skimp

In this article, we presented some good ideas how to reduce Ford Escape insurance premium rates online in Aurora. The key concept to understand is the more quotes you get, the better your chances of lowering your prices. Drivers may even discover the best price on insurance is with an unexpected company. Smaller companies may often insure only within specific states and give better rates than the large multi-state companies such as Allstate or State Farm.

Low-cost Ford Escape insurance in Aurora can be purchased on the web as well as from insurance agents, so you should compare both to have the best selection. Some insurance companies may not provide rates over the internet and usually these smaller providers sell through local independent agents.

When searching for the cheapest Ford Escape rate quotes, it's a bad idea to reduce needed coverages to save money. There are many occasions where an accident victim reduced liability limits or collision coverage and found out when filing a claim they didn't have enough coverage. Your aim should be to purchase plenty of coverage for the lowest price and still be able to protect your assets.

How to find affordable Ford Escape insurance in Aurora

If you want to save the most money, the best way to get discount Ford Escape insurance in Aurora is to start doing a yearly price comparison from insurance carriers who sell auto insurance in Colorado.

  1. Spend some time learning about coverages and the measures you can take to prevent rate increases. Many things that drive up the price such as your driving record and a bad credit rating can be rectified by making small lifestyle or driving habit changes.
  2. Get rate quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from a single company like Progressive or Farmers Insurance, while independent agents can provide price quotes for a wide range of companies.
  3. Compare the new rate quotes to your current policy to determine if you can save on Escape insurance. If you find a lower rate quote, ensure coverage does not lapse between policies.
  4. Provide notification to your current agent or company to cancel your current car insurance policy and submit the required down payment along with the signed application for the new coverage. Immediately upon receiving it, store the proof of insurance paperwork above your visor, in the console, or in the glove compartment.

A tip to remember is to make sure you're comparing the same deductibles and limits on every quote request and and to get price quotes from as many auto insurance providers as possible. This provides an apples-to-apples comparison and many rates to choose from.

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