Discount Ford Escape insuranceI doubt anyone fancies paying their premiums for car insurance, especially knowing the cost is way too high.

It's astonishing, but about 70% of customers kept their policy with the same company for a minimum of four years, and almost half have never shopped around. Minnesota drivers could save themselves nearly 50% a year just by shopping around, but most tend to underestimate the actual amount they would save if they switched to a cheaper policy. With people having so many options when it comes to car insurance, it is hard for the average consumer to choose a lower cost car insurance provider.

It's a good habit to check car insurance prices on a regular basis because car insurance prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best deal on Ford Escape insurance in St. Paul six months ago there may be better deals available now. Forget anything you know (or think you know) about car insurance because you're about to learn the tricks you need to know to get good coverage on Ford Escape insurance in St. Paul at a lower rate.

This article's intent is to help educate you on the best ways to compare prices and some tips to save money. If you're already insured, you should be able to reduce the price you pay using these methods. Drivers just have to know the most effective way to compare rate quotes from many different companies.

Do you qualify for discounts?

Companies do not advertise every discount in an easy-to-find place, so the following list contains both the well known as well as some of the hidden credits available to lower your premiums when you buy St. Paul car insurance online. If you check and find you aren't receiving every discount available, you are not getting the best rate possible.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to the whole policy. Some only apply to the price of certain insurance coverages like comprehensive or collision. Even though it may seem like you can get free auto insurance, insurance companies wouldn't stay in business.

To choose car insurance companies with the best Ford Escape insurance discounts in St. Paul in St. Paul, follow this link.

The quickest method we recommend to compare policy rates for Ford Escape insurance in St. Paul is to take advantage of the fact most insurance companies participate in a system to quote your coverage. The one thing you need to do is provide a small amount of information such as deductibles desired, driver details, how your vehicles are used, and if you have an active license. The rating information is instantly provided to many different companies and you should receive rate quotes almost instantly.

To start a quote now, click here and enter the information requested.

The companies in the list below offer price quotes in Minnesota. If multiple companies are listed, we suggest you get prices from several of them in order to find the most affordable rates.

Ford Escape Insurance Cost Estimates in St. Paul, MN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $192 $336 $364 $22 $108 $1,022 $85
Escape XLS 4WD $184 $350 $304 $18 $92 $948 $79
Escape XLT 2WD $204 $418 $304 $18 $92 $1,036 $86
Escape Limited 2WD $194 $268 $274 $16 $82 $834 $70
Escape XLT 4WD $236 $384 $350 $20 $104 $1,094 $91
Escape Limited 4WD $212 $420 $258 $16 $78 $984 $82
Get Your Own Custom Quote Go

Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Minnesota minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Price estimates do not factor in vehicle location which can impact prices significantly.

Safe drivers pay cheaper rates

The example below illustrates how speeding tickets and fender-benders can raise Ford Escape auto insurance rates for different insured age categories. The price estimates are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.

Auto insurance rates based on gender

The example below visualizes the comparison of Ford Escape annual premium costs for male and female drivers. The premium estimates are based on a clean driving record, no claims, full physical damage coverage, $500 deductibles, drivers are not married, and no policy discounts are applied.

Where to set your deductibles

A question often asked by St. Paul drivers is how low should you set your deductibles. The rates shown below highlight how much more you'll pay when you select higher and lower insurance deductibles. The first rate quote example uses a $250 deductible for physical damage and the second price table uses a $1,000 deductible.

Ford Escape insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $214 $340 $270 $16 $80 $945 $79
Escape XLS 4WD $214 $340 $270 $16 $80 $945 $79
Escape XLT 2WD $214 $340 $270 $16 $80 $945 $79
Escape Limited 2WD $246 $340 $270 $16 $80 $977 $81
Escape XLT 4WD $246 $340 $270 $16 $80 $977 $81
Escape Limited 4WD $246 $414 $270 $16 $80 $1,051 $88
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Ford Escape insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $132 $214 $270 $16 $80 $712 $59
Escape XLS 4WD $132 $214 $270 $16 $80 $712 $59
Escape XLT 2WD $132 $214 $270 $16 $80 $712 $59
Escape Limited 2WD $152 $214 $270 $16 $80 $732 $61
Escape XLT 4WD $152 $214 $270 $16 $80 $732 $61
Escape Limited 4WD $152 $260 $270 $16 $80 $778 $65
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Minnesota minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Rate information does not factor in vehicle garaging location which can affect insurance rates substantially.

Using the data above, we can ascertain that using a $250 deductible will cost you about $20 more each month or $240 each year than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average more than 38 months between claims, you would most likely save money if you choose a higher deductible.

How to calculate if a higher deductible is a good decision

Average monthly premium for $250 deductibles: $81
Average monthly premium for $1,000 deductibles (subtract): - $61
Monthly savings from raising deductible: $20
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $20
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 38 months

One thing to be aware of is that raising deductibles results in a higher out-of-pocket expense when you file a claim. That will require enough money stashed away in order to pay the deductible to have repairs made.

What Impacts Ford Escape Insurance Prices?

Multiple criteria are part of the calculation when you quote your car insurance policy. Some of the criteria are obvious like an MVR report, but others are less obvious such as your marital status or your commute time.

Situations that may require an agent's advice

When it comes to coverage online or from an agent for your vehicles, there really is not a best way to insure your cars. Your needs are unique to you and your car insurance should unique, too. These are some specific questions can help discover whether your personal situation would benefit from an agent's advice.

If you're not sure about those questions then you might want to talk to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Insurance agent or online?

Many people still prefer to visit with an insurance agent and that is OK! Good agents will help you protect your assets and give you someone to call. The biggest benefit of comparing rate quotes online is that drivers can save money and get the best rates and still have a local agent. Buying from neighborhood insurance agencies is definitely important in St. Paul.

Insurance agents in St. PaulAfter filling out this short form, your information gets sent to companies in St. Paul who will give you bids for your business. There is no reason to do any legwork as quotes are delivered immediately to your email address. If you want to quote rates for a specific company, just search and find their rate quote page to submit a rate quote request.

The different types of car insurance agents

If you would like to find a reputable insurance agent or broker, there are a couple of different agency structures and how they operate. Insurance agents can either be exclusive agents or independent agents. Both types of agents can sell insurance policies, but it is a good idea to know the difference in the companies they write for because it may have an impact on buying decisions.

Independent Agencies or Brokers

Independent insurance agents are not restricted to one company so as a result can place your coverage with an assortment of companies and help determine which has the cheapest rates. If you want to switch companies, your agent can switch companies and you don't have to find a new agent.

When comparing rates, you absolutely need to get insurance quotes from a few independent agents to get the best comparison.

Featured below is a list of independent insurance agencies in St. Paul who may provide price quote information.

1737 Cope Ave E - St Paul, MN 55109 - (651) 777-7469 - View Map

633 Concord St S - South St Paul, MN 55075 - (651) 552-2424 - View Map

161 Marie Ave E - St Paul, MN 55118 - (651) 451-0101 - View Map

View more agents

Exclusive Insurance Agencies

Agents that elect to be exclusive can only write with one company and examples are AAA, State Farm, Farmers Insurance, and Allstate. They generally cannot provide prices from multiple companies so they are skilled at selling on more than just price. Exclusive agencies are usually well trained on their products and sales techniques and that can be a competitive advantage.

Listed below are St. Paul exclusive insurance agents who can help you get rate quotes.

1701 Arcade St - Maplewood, MN 55109 - (651) 771-4443 - View Map

218 13th Ave S #100 - South St Paul, MN 55075 - (651) 451-3233 - View Map

611 Grand Ave - St Paul, MN 55102 - (651) 222-4944 - View Map

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Finding the right insurance agent requires more thought than just a low price. Any agent in St. Paul should have no problem answering these questions:

Why you need insurance for your Ford Escape

Even though St. Paul Escape insurance rates can get expensive, insuring your vehicle may be required and benefits you in several ways.

The benefits of buying insurance are without a doubt worth the cost, particularly if you ever have a claim. But the average American driver overpays as much as $830 a year so we recommend shopping around each time the policy renews to ensure rates are inline.

Compare. Compare. Compare.

In this article, we covered many ways to compare Ford Escape insurance prices in St. Paul. The key thing to remember is the more times you quote, the better chance you'll have of finding affordable St. Paul car insurance quotes. You may even be surprised to find that the lowest priced insurance comes from a company that doesn't do a lot of advertising. Smaller companies may often insure only within specific states and give getter rates as compared to the big name companies such as GEICO and State Farm.

Budget-friendly insurance in St. Paul can be sourced on the web and from local insurance agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies don't offer the ability to get a quote online and usually these regional insurance providers only sell through independent agencies.

When trying to cut insurance costs, never buy less coverage just to save a little money. There are many occasions where consumers will sacrifice full coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy enough coverage at an affordable rate, but don't skip important coverages to save money.

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