Find Affordable Ford Escape Insurance in Henderson

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Ford Escape insurance
Ford Escape insurance image courtesy of QuoteInspector.com

Discount Ford Escape insuranceThe easiest way to find discount auto insurance rates is to do an annual price comparison from providers who sell auto insurance in Henderson. You can compare prices by completing these steps.

  1. Get an understanding of how auto insurance works and the measures you can take to keep rates in check. Many factors that increase rates such as traffic tickets, fender benders, and a negative credit rating can be improved by being financially responsible and driving safely. Later in this article we will cover ideas to keep prices down and find more discounts that you may not know about.
  2. Quote rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only provide price estimates from one company like Progressive or Allstate, while independent agents can provide rate quotes from multiple sources. Compare rates
  3. Compare the new rates to your current policy and see if there is a cheaper rate. If you find a better price and switch companies, make sure there is no lapse in coverage.

An important note is that you'll want to make sure you compare the same liability limits and deductibles on every price quote and and to get rate quotes from every insurance company. Doing this provides an accurate price comparison and a complete price analysis.

Unfortunately, most consumers in Nevada have remained with the same insurance company for well over three years, and just under half have never compared rates to find lower-cost insurance. With the average insurance premium being $1,847, American drivers could save about $860 a year by just comparing quotes, but most tend to underestimate the amount of money they would save if they replace their high priced policy.

Finding a lower price on insurance is actually easier than you may think. The only thing you need to do is spend a few minutes to get quotes from some recommended companies.

The providers in the list below provide free rate quotes in Henderson, NV. If your goal is to find cheap auto insurance in Henderson, NV, it's a good idea that you visit as many as you can to get the lowest price.

Facts and figures for Ford Escape insurance

The price information displayed below outlines a range of prices for Ford Escape models. Learning a little about how prices are formulated can help you make decisions on which coverage to buy.

Ford Escape Insurance Rates in Henderson, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $146 $274 $296 $18 $88 $822 $69
Escape XLS 4WD $146 $274 $296 $18 $88 $822 $69
Escape XLT 2WD $146 $274 $296 $18 $88 $822 $69
Escape Limited 2WD $166 $274 $296 $18 $88 $842 $70
Escape XLT 4WD $166 $274 $296 $18 $88 $842 $70
Escape Limited 4WD $166 $334 $296 $18 $88 $902 $75
Get Your Own Custom Quote Go

Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Rate quotes do not factor in Henderson location which can decrease or increase coverage rates greatly.

Choosing deductibles

When shopping for car insurance, a common question is where should you set your physical damage deductibles. The tables below approximate how much more you'll pay between low and high comp and collision deductibles. The first rate comparisons uses a $100 deductible for physical damage and the second data table uses a $500 deductible.

Ford Escape insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $232 $394 $262 $16 $78 $1,007 $84
Escape XLS 4WD $232 $394 $262 $16 $78 $1,007 $84
Escape XLT 2WD $232 $394 $262 $16 $78 $1,007 $84
Escape Limited 2WD $266 $394 $262 $16 $78 $1,041 $87
Escape XLT 4WD $266 $394 $262 $16 $78 $1,041 $87
Escape Limited 4WD $266 $478 $262 $16 $78 $1,125 $94
Get Your Own Custom Quote Go
Ford Escape insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $168 $266 $262 $16 $78 $790 $66
Escape XLS 4WD $168 $266 $262 $16 $78 $790 $66
Escape XLT 2WD $168 $266 $262 $16 $78 $790 $66
Escape Limited 2WD $194 $266 $262 $16 $78 $816 $68
Escape XLT 4WD $194 $266 $262 $16 $78 $816 $68
Escape Limited 4WD $194 $324 $262 $16 $78 $874 $73
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Prices do not factor in Henderson location which can affect premium rates greatly.

Using the data above, we can ascertain that using a $100 deductible costs approximately $19 more each month or $228 each year averaged for all Escape models than selecting the higher $500 deductible. Due to the fact that you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you normally average more than 21 months between claim filings, you would probably come out ahead by selecting a higher deductible.

Difference between liability only and full coverage rates

The information below shows the comparison of Ford Escape annual premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. Data assumes no driving violations, no at-fault accidents, $250 deductibles, drivers are not married, and no other discounts are factored in.

When to drop comp and collision

There is no clear-cut formula of when to exclude full coverage, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than around 10% of replacement cost minus your deductible, then it might be time to consider dropping full coverage.

For example, let's assume your Ford Escape replacement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $5,000 after paying your deductible. If it's costing you more than $500 a year for physical damage coverage, then it might be time to consider dropping full coverage.

There are a few cases where only buying liability is not recommended. If you still owe a portion of the original loan, you have to keep full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not buy liability only.

Auto insurance does more than just repair your car

Despite the high cost of buying insurance for a Ford Escape in Henderson, paying for auto insurance is required by state law in Nevada and it also provides benefits you may not be aware of.

First, just about all states have compulsory liability insurance requirements which means you are required to carry specific limits of liability coverage if you want to drive legally. In Nevada these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you have a loan on your Ford Escape, almost all lenders will make it mandatory that you have full coverage to ensure the loan is repaid in case of a total loss. If you cancel or allow the policy to lapse, the bank or lender will purchase a policy for your Ford at an extremely high rate and make you pay for the much more expensive policy.

Third, auto insurance preserves both your Ford Escape and your assets. It will also provide coverage for all forms of medical expenses for both you and anyone you injure as the result of an accident. Liability insurance, one of your policy coverages, also covers legal expenses if someone files suit against you as the result of an accident. If you have damage to your Ford as the result of the weather or an accident, your policy will cover the damage repairs after a deductible is paid.

The benefits of having auto insurance definitely exceed the cost, especially when you need to use it. According to a 2015 survey, the average American driver overpays as much as $825 a year so smart consumers compare quotes once a year at a minimum to be sure current rates are still competitive.

Cheaper Ford Escape insurance in Henderson

Insurance can be prohibitively expensive, but you might already qualify for some discounts that many consumers don't even know exist. Some of these discounts will be visible when you get a quote, but less common discounts must be asked for before being credited.Insurance discounts

  • Braking Control Discount - Anti-lock brake equipped vehicles prevent accidents and therefore earn up to a 10% discount.
  • Seat Belt Usage - Buckling up and requiring all passengers to fasten their seat belts may be able to save a few bucks off PIP or medical payments premium.
  • No Charge for an Accident - Not a discount per se, but a few companies such as GEICO, Progressive, and Allstate permit an accident without raising rates so long as you haven't had any claims prior to being involved in the accident.
  • Military Rewards - Having a family member in the military could qualify you for better insurance rates.
  • Defensive Driving Course - Passing a class that teaches defensive driving techniques could save 5% or more and easily recoup the cost of the course.
  • Student Discounts - A discount for being a good student could provide a savings of up to 20% or more. Many companies even apply the discount to college students up to age 25.
  • Auto/Life Discount - Insurance carriers who offer life insurance give a break if you buy life insurance from them.

It's important to understand that most credits do not apply to the whole policy. Most only apply to specific coverage prices like collision or personal injury protection. Just because you may think having all the discounts means you get insurance for free, that's just not realistic. Any qualifying discounts will lower your policy premiums.

The illustration below illustrates the comparison of Ford Escape insurance costs with and without some available policy discounts. The data is based on a male driver, no violations or accidents, Nevada state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, safe-driver, homeowner, claim-free, and marriage discounts applied.

To see a list of insurance companies who offer online Ford Escape insurance quotes in Nevada, follow this link.

Shop online but buy locally

Certain consumers would rather go talk to an agent and that is OK! Professional insurance agents are trained to spot inefficiencies and help file insurance claims. One of the benefits of comparing rates online is that you can obtain lower rates but also keep your business local.

Insurance agency in HendersonTo help locate an agent, after submitting this short form, your information gets sent to insurance agents in Henderson who want to provide quotes for your coverage. There is no reason to leave your house because quoted prices will be sent immediately to you. If you need to compare prices from a particular provider, you would need to navigate to their website and give them your coverage information.

Deciding on an company requires more thought than just a low price. The following questions are important to ask.

  • Has the agent ever had any license suspensions?
  • What company do they have the most business with?
  • Will high miles depreciate repair valuations?
  • Are you getting all the discounts the company offers?
  • If independent agents, which companies do they recommend?

When finding a reliable agent, it can be helpful to understand the different types of agencies to choose from. Henderson agents can be categorized as either exclusive or independent. Either one can provide car insurance policies, but it's important to point out the subtle differences since it may influence the type of agent you choose.

Exclusive Insurance Agencies

Exclusive agencies have only one company to place business with and examples are Farmers Insurance, American Family, State Farm and Allstate. These agents are unable to compare other company's rates so if the price isn't competitive there isn't much they can do. Exclusive agents receive extensive training on what they offer which can be an advantage. Consumers often buy from the same agent for years primarily because of the brand name rather than having the cheapest rates.

Listed below is a short list of exclusive agencies in Henderson who may provide you with price quotes.

More Henderson agents

Independent Agencies or Brokers

Agents of this type are not required to write business for one company so as a result can place your coverage with a variety of different insurance companies and find you the best rates. If they find a cheaper price, they can switch companies in-house which requires no work on your part. If you are comparing car insurance prices, we recommend you get rate quotes from independent agents to get the best comparison. Many independent agencies also insure through different regional companies that may have much lower rates than larger companies.

The following is a short list of independent agents in Henderson who can help you get rate quotes.

  • Nikkol Jackson Insurance Agency
    701 N Green Valley Pkwy #200 - Henderson, NV 89074 - (702) 451-9799 - View Map
  • All Star Insurance Agency
    10120 S. Eastern Ave, Suite 200 - Henderson, NV 89052 - (702) 660-6618 - View Map
  • Safeco Insurance
    2736 Marie Antoinette St - Henderson, NV 89044 - (866) 694-9046 - View Map

More Henderson agents

There's no such thing as the perfect auto insurance policy

When buying coverage, there really is no perfect coverage plan. You are unique.Safe vehicles cost less to insure

For instance, these questions can help discover if you might need an agent's assistance.

  • Does my insurance cover my expensive audio equipment?
  • Am I covered when driving a rental car?
  • When do I need to add a new car to my policy?
  • Is my Ford Escape covered if I use it for business?
  • Is my ex-spouse still covered by my policy?
  • Does my policy pay for OEM or aftermarket parts?
  • Does liability extend to a camper or trailer?
  • Are split liability limits better than a combined single limit?

If you can't answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don't have a local agent, fill out this quick form. It's fast, doesn't cost anything and may give you better protection.

Coverages available on your policy

Having a good grasp of your car insurance policy aids in choosing the best coverages and proper limits and deductibles. Car insurance terms can be ambiguous and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers

This protects you and your vehicle's occupants when the "other guys" are uninsured or don't have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Ford Escape.

Because many people only carry the minimum required liability limits (Nevada limits are 15/30/10), it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision coverage

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as hitting a mailbox, colliding with a tree and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from older vehicles. It's also possible to increase the deductible on your Escape in order to get cheaper collision rates.

Liability coverages

This coverage can cover injuries or damage you cause to people or other property that is your fault. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 15/30/10 that translate to a limit of $15,000 per injured person, a limit of $30,000 in injury protection per accident, and a limit of $10,000 paid for damaged property.

Liability coverage protects against claims like emergency aid, legal defense fees and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible. Nevada state minimum liability requirements are 15/30/10 but drivers should carry more liability than the minimum.

The chart below demonstrates why low liability limits may not be enough coverage.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, fire damage, theft, hitting a bird and vandalism. The most your car insurance company will pay is the market value of your vehicle, so if the vehicle's value is low consider removing comprehensive coverage.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like funeral costs, pain medications, dental work and chiropractic care. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

In the end, you can save money

We just showed you many tips how you can save on Ford Escape insurance in Henderson. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your prices. You may even be surprised to find that the lowest premium rates come from the least-expected company.

Consumers who switch companies do it for many reasons like policy cancellation, being labeled a high risk driver, unfair underwriting practices and not issuing a premium refund. It doesn't matter what your reason, finding the right auto insurance provider is not as hard as you think.

When trying to cut insurance costs, make sure you don't sacrifice coverage to reduce premiums. There are too many instances where an insured cut collision coverage to discover at claim time that the savings was not a smart move. The goal is to buy the best coverage you can find at a price you can afford and still be able to protect your assets.

Much more information about auto insurance in Nevada is located at the links below