How many times have you put off comparing quotes for low-cost Ford Escape insurance in Atlanta? Searching for the cheapest insurance for a Ford Escape in Georgia can be a lot of work, but you can use these tips to save time.
There is a better way to find car insurance online so we’re going to tell you the best way to price shop coverage for a Ford and get the lowest possible price from Atlanta insurance agents and online providers.
Lower-cost Atlanta auto insurance rates with discounts
Auto insurance is neither fun to buy or cheap, but you may qualify for discounts that can dramatically reduce your bill. A few discounts will automatically apply at quote time, but a few must be specifically requested before they will apply.
- Discount for Swiching Early – A few insurance companies allow discounts for renewing your policy prior to the expiration date on your current Escape insurance policy. Ten percent is about the average savings.
- Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn a break if you buy life insurance from them.
- Accident-Free Discounts – Good drivers with no accidents can save substantially in comparison to drivers with a long claim history.
- Service Members Pay Less – Being deployed with a military unit can result in better rates.
- Safe Driver Discounts – Insureds who avoid accidents may receive a discount up to 45% than drivers with accident claims.
- Telematics Data – People who choose to allow driving data collection to look at driving manner by using a small device installed in their vehicle like Allstate’s Drivewise might get better premium rates if they have good driving habits.
- Student in College – Youth drivers who live away from home at college and do not have access to a covered vehicle may be able to be covered for less.
- Multi-car Discount – Having primary and secondary vehicles on one policy can reduce rates for all insured vehicles.
- Professional Organizations – Affiliation with certain professional organizations is a good way to get lower rates on your next renewal.
Remember that most credits do not apply to the entire cost. Most cut specific coverage prices like medical payments or collision. If you do the math and it seems like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.
Companies and a partial list of their discounts are shown below.
- State Farm may include discounts for student away at school, multiple policy, anti-theft, defensive driving training, passive restraint, safe vehicle, and Steer Clear safe driver discount.
- Liberty Mutual includes discounts for newly married, new graduate, newly retired, teen driver discount, and multi-policy.
- American Family may have discounts that include early bird, TimeAway discount, Steer into Savings, air bags, defensive driver, good student, and multi-vehicle.
- Progressive has discounts for homeowner, online quote discount, multi-vehicle, online signing, and continuous coverage.
- Farmers Insurance offers discounts including switch companies, youthful driver, early shopping, bundle discounts, homeowner, good student, and electronic funds transfer.
- Auto-Owners Insurance offers premium reductions for air bags, safe driver, multi-policy, good student, company car, multiple vehicles, and student away at school.
- SAFECO offers discounts for teen safety rewards, bundle discounts, safe driver, anti-lock brakes, multi-car, accident prevention training, and teen safe driver.
Before buying, ask all the companies the best way to save money. Some credits may not apply to policyholders in your area. To see insurance companies that offer the discounts shown above in Atlanta, click here.
Most of the larger companies such as Progressive, GEICO, Allstate and State Farm provide pricing on the web. Comparing Ford Escape insurance rates online can be done by anyone as you just enter your coverage information into the quote form. When complete, their rating system gets your credit score and driving record and quotes a price based on these factors.
This helps simplify price comparisons, and it is important to have as many quotes as possible if you want to get a better rate.
If you want to use this form to compare rates, take a look at the companies shown below. If you have a policy now, it’s recommended you complete the form with the insurance coverages identical to your current policy. This ensures you will have a price comparison for the exact same coverage.
The providers in the list below are our best choices to provide free rate quotes in Georgia. If multiple providers are shown, it’s a good idea that you compare several of them to get the best price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Escape XLS 2WD | $260 | $484 | $404 | $24 | $122 | $1,294 | $108 |
| Escape XLS 4WD | $254 | $476 | $434 | $26 | $130 | $1,320 | $110 |
| Escape XLT 2WD | $238 | $418 | $452 | $26 | $136 | $1,270 | $106 |
| Escape Limited 2WD | $308 | $462 | $344 | $20 | $104 | $1,238 | $103 |
| Escape XLT 4WD | $180 | $300 | $434 | $26 | $130 | $1,070 | $89 |
| Escape Limited 4WD | $248 | $414 | $334 | $20 | $100 | $1,116 | $93 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Estimates do not factor in specific garaging location which can raise or lower premiums substantially.
Choosing deductibles
When shopping for car insurance, a common question is which deductible level should you buy. The rates shown below can help show the price difference when you choose different coverage deductibles. The first price estimate table uses a $100 deductible for comp and collision and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Escape XLS 2WD | $294 | $502 | $334 | $20 | $100 | $1,275 | $106 |
| Escape XLS 4WD | $294 | $502 | $334 | $20 | $100 | $1,275 | $106 |
| Escape XLT 2WD | $294 | $502 | $334 | $20 | $100 | $1,275 | $106 |
| Escape Limited 2WD | $338 | $502 | $334 | $20 | $100 | $1,319 | $110 |
| Escape XLT 4WD | $338 | $502 | $334 | $20 | $100 | $1,319 | $110 |
| Escape Limited 4WD | $338 | $612 | $334 | $20 | $100 | $1,429 | $119 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Escape XLS 2WD | $216 | $340 | $334 | $20 | $100 | $1,010 | $84 |
| Escape XLS 4WD | $216 | $340 | $334 | $20 | $100 | $1,010 | $84 |
| Escape XLT 2WD | $216 | $340 | $334 | $20 | $100 | $1,010 | $84 |
| Escape Limited 2WD | $248 | $340 | $334 | $20 | $100 | $1,042 | $87 |
| Escape XLT 4WD | $248 | $340 | $334 | $20 | $100 | $1,042 | $87 |
| Escape Limited 4WD | $248 | $414 | $334 | $20 | $100 | $1,116 | $93 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Premium costs do not factor in Atlanta location which can impact price quotes significantly.
Based on these figures, using a $100 deductible costs roughly $23 more each month or $276 each year than selecting the higher $500 deductible. Because you would pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you have at a minimum 17 months between claims, you would probably be better off if you choose the higher deductible. The numbers below show an example of how you can perform this determination yourself.
| Average monthly premium for $100 deductibles: | $110 |
| Average monthly premium for $500 deductibles (subtract): | – $87 |
| Monthly savings from raising deductible: | $23 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $23 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 17 months |
One big caveat is that increasing deductibles to save money means you will have to pay more at claim time. That will force you to have a higher level of savings in the event you need to pay more for the deductible.
When do I need an agent’s advice?
When it comes to choosing proper insurance coverage, there really isn’t a one-size-fits-all type of policy. Your needs are unique to you.
Here are some questions about coverages that can help discover whether or not you will benefit from professional help.
- Is my custom stereo system covered?
- Is a blown tire covered by insurance?
- At what point should I drop full coverage?
- What if I owe more than I can insure my car for?
- At what point should I drop full coverage?
- What states are considered no-fault?
- Does low annual mileage earn a discount?
- What is high-risk coverage and where do I buy it?
- Am I covered when driving a rental car?
- Are my tools covered if they get stolen from my vehicle?
If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and can provide invaluable advice.
Local neighborhood insurance agents
A small number of people would prefer to sit down and talk to an agent and doing that can be a smart decision Most agents are trained to spot inefficiencies and help file insurance claims. The biggest benefit of comparing rates online is that you can obtain the lowest rates and also buy local. And supporting neighborhood agents is especially important in Atlanta.
To make it easy to find an agent, after completing this form (opens in new window), your insurance coverage information is emailed to companies in Atlanta who will give you bids and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to contact any insurance agencies since price quotes are sent to the email address you provide. If you need to get a comparison quote from a particular provider, you can always find their quoting web page to submit a rate quote request.
If you want to buy car insurance from a local agent, you should know the different types of agencies and how they operate. Atlanta agents can be described as either independent (non-exclusive) or exclusive. Both can write policy coverage, but it is important to understand why they differ since it could factor into buying decisions.
Independent Insurance Agents
Independent agents do not write with just one company so they can quote policies through many companies depending on which coverage is best. If you want to switch companies, they simply move your policy to a different company which makes it simple for you. If you are trying to find cheaper rates, you will want to compare quotes from at least one independent agent to have the most options to choose from. They also have the ability to place coverage with small regional insurance companies which can save you money.
The following are Atlanta independent agents that can possibly get you price quote information.
- Perimeter Insurance Agency
5855 Buford Hwy NE # E – Atlanta, GA 30340 – (770) 452-8881 – View Map - Mack Insurance Agency, Inc.
530 Joseph E Lowery Blvd SW A – Atlanta, GA 30310 – (470) 771-3398 – View Map - Nationwide Insurance: Tommy Jones Agency
3201 Atlanta Industrial Pkwy NW b220 – Atlanta, GA 30331 – (404) 660-3821 – View Map
Exclusive Car Insurance Agencies
Exclusive agencies write business for a single company and some examples include Allstate, State Farm and Farmers Insurance. Exclusive agents are unable to provide other company’s prices so always compare other rates. These agents are very knowledgeable on sales techniques which helps offset the inability to provide other markets. Drivers often buy insurance from these agents primarily because of loyalty to the company and the convenience of having all coverages with one company.
Shown below is a short list of exclusive agents in Atlanta that can give you price quotes.
- Trevor Nollner – State Farm Insurance Agent
881 Ponce De Leon Ave NE #17 – Atlanta, GA 30306 – (678) 515-8297 – View Map - Danny Gibson State Farm Insurance Agent
215 Piedmont Ave NE #1 – Atlanta, GA 30308 – (404) 524-2292 – View Map - Aaron Frazier – State Farm Insurance Agent
NE, 4246 Peachtree Rd NE #7 – Atlanta, GA 30319 – (404) 233-4847 – View Map
Choosing an insurance agent should include more criteria than just a cheap price. Before buying a policy in Atlanta, get answers to these questions.
- Do they review policy coverages at every renewal?
- Are they primarily personal or commercial lines agents in Atlanta?
- Is coverage determined by price?
- What insurance company do they write the most business with?
- What is their Better Business Bureau rating?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Are they involved in claim handling?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
Compare but don’t skimp
When searching for affordable Ford Escape insurance quotes, you should never reduce needed coverages to save money. In too many instances, drivers have reduced comprehensive coverage or liability limits and discovered at claim time that it was a big mistake. Your objective should be to buy a smart amount of coverage at the best cost but still have enough coverage for asset protection.
You just learned a lot of ways to find lower-cost Ford Escape insurance in Atlanta. The key concept to understand is the more price quotes you have, the better your chances of lowering your premium rates. You may even discover the lowest car insurance rates are with a smaller regional carrier.
Budget-conscious Ford Escape insurance can be bought from both online companies and also from your neighborhood Atlanta agents, and you need to price shop both so you have a total pricing picture. Some insurance companies may not offer internet price quotes and these small, regional companies only sell coverage through independent insurance agents.
More tips and info about auto insurance can be found in these articles:
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)
- Who Has the Cheapest Atlanta Car Insurance Rates for Unemployed Drivers? (FAQ)
- Who Has Affordable Auto Insurance Quotes for a Toyota RAV4 in Atlanta? (FAQ)
- How Much are Auto Insurance Rates for Hybrid Vehicles in Atlanta? (FAQ)
- How Much are Car Insurance Quotes for High Risk Drivers in Atlanta? (FAQ)
- How Much is Atlanta Auto Insurance for College Graduates? (FAQ)
- Distracted Driving Statistics (Insurance Information Institute)
- Cellphones, Texting and Driving (iihs.org)