Ford Escape Insurance Rates in Bakersfield

Nobody rejoices having to buy insurance, especially when they are aware that they are paying too much.

Insurance quote for Ford Escape in BakersfieldShocking but true, the vast majority of consumers kept their coverage with the same insurance company for over three years, and nearly the majority have never even compared rates from other companies. With the average insurance premium being $1,847, American drivers could save themselves 47% a year just by getting comparison quotes, but they mistakenly think it’s difficult to compare other rate quotes. Companies like Allstate, Progressive and GEICO promote their brand names with ads and it can be hard to sift through the bull and effectively compare rates to find the best deal.

You need to compare prices yearly because insurance prices are usually higher with each renewal. Just because you found the best deal on Ford Escape insurance in Bakersfield at your last renewal you may be paying too much now. There are lots of tips to save on Escape insurance on the internet, but by reading this article, you’re going to learn some great ways to lower your insurance rates in Bakersfield.

Finding more affordable auto insurance rates is a great way to save money. You just need to take the time comparing rate quotes provided by online insurance companies.

Doing price comparisons online is so simple that it makes it a waste of time to call or drive to each insurance agency near you. Doing it all online has made agencies unnecessary unless your situation requires the professional abilities of a licensed agent. However, consumers can get prices online but have a local agent actually write the policy.

The providers in the list below have been selected to offer quotes in California. If multiple companies are listed, we recommend you get price quotes from several of them to find the cheapest car insurance rates.

Cheaper rates on Ford Escape insurance in Bakersfield with these discounts

The cost of insuring your cars can be expensive, but you may be missing some discounts that could drop your premiums quite a bit. Some discounts apply automatically at the time of quoting, but occasionally some discounts must be specially asked for before you get the savings.Car insurance discounts

Discounts lower rates, but most discount credits are not given to the entire cost. Most only cut individual premiums such as collision or personal injury protection. So even though you would think you can get free auto insurance, you aren’t that lucky. Any amount of discount will lower your overall premium however.

The example below shows the comparison of Ford Escape insurance rates with and without discounts applied. The rates are based on a female driver, a clean driving record, no claims, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-policy, claim-free, homeowner, and multi-car discounts applied.

A list of companies and a partial list of their discounts are detailed below.

When getting a coverage quote, ask all companies you are considering which discounts you may be entitled to. Some discounts listed above may not be offered in your state. If you would like to view car insurance companies who offer discounts in California, click here to view.

Rate information and statistics

The price information below outlines a range of insurance rates for Ford Escape models. Having a better idea how car insurance prices are established is important for making informed decisions.

Ford Escape Insurance Rates in Bakersfield, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $180 $342 $454 $26 $136 $1,138 $95
Escape XLS 4WD $180 $342 $454 $26 $136 $1,138 $95
Escape XLT 2WD $180 $342 $454 $26 $136 $1,138 $95
Escape Limited 2WD $206 $342 $454 $26 $136 $1,164 $97
Escape XLT 4WD $206 $342 $454 $26 $136 $1,164 $97
Escape Limited 4WD $206 $416 $454 $26 $136 $1,238 $103
Get Your Own Custom Quote Go

Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Premium amounts do not factor in specific location information which can decrease or increase insurance rates considerably.

Can higher deductibles save money?

One of the more difficult decisions when buying auto insurance is how high or low should comp and collision deductibles be. The comparison tables below approximate the costs and benefits between high and low physical damage coverage deductibles. The first set of prices uses a $100 deductible and the second pricing table uses a $500 deductible.

Ford Escape insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $332 $564 $376 $22 $112 $1,431 $119
Escape XLS 4WD $332 $564 $376 $22 $112 $1,431 $119
Escape XLT 2WD $332 $564 $376 $22 $112 $1,431 $119
Escape Limited 2WD $380 $564 $376 $22 $112 $1,479 $123
Escape XLT 4WD $380 $564 $376 $22 $112 $1,479 $123
Escape Limited 4WD $380 $686 $376 $22 $112 $1,601 $133
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Ford Escape insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $242 $382 $376 $22 $112 $1,134 $95
Escape XLS 4WD $242 $382 $376 $22 $112 $1,134 $95
Escape XLT 2WD $242 $382 $376 $22 $112 $1,134 $95
Escape Limited 2WD $278 $382 $376 $22 $112 $1,170 $98
Escape XLT 4WD $278 $382 $376 $22 $112 $1,170 $98
Escape Limited 4WD $278 $464 $376 $22 $112 $1,252 $104
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Rates do not factor in specific Bakersfield garaging location which can change coverage rates noticeably.

Based on the above data, using a $100 deductible costs roughly $25 more each month or $300 for a full year across all Ford Escape models than selecting the higher $500 deductible. Due to the fact that you would have to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you normally average at least 16 months between claim filings, you would save money going with the higher deductible.

The diagram below shows how choosing a deductible and can raise or lower Ford Escape insurance costs for each different age group. The information is based on a married male driver, full coverage, and no additional discounts are factored in.

Ford Escape insurance rates by age and gender

The example below shows the comparison of Ford Escape insurance premiums for male and female drivers. The data is based on no claims, a clean driving record, full physical damage coverage, $250 deductibles, marital status is single, and no discounts are applied.

Liability only or full coverage

The information below compares Ford Escape insurance costs with full coverage and liability only. The premium estimates are based on no claims or violations, $1,000 deductibles, marital status is single, and no policy discounts are applied.

Should you buy full coverage or liability only?

There is no exact formula for excluding full coverage, but there is a general convention. If the annual cost of having full coverage is more than about 10% of the replacement cost minus the deductible, then you might consider buying liability only.

For example, let’s pretend your Ford Escape replacement cost is $7,000 and you have $1,000 deductibles. If your vehicle is destroyed, you would only receive $6,000 after the deductible is paid. If you are currently paying more than $600 a year for your policy with full coverage, then you might want to consider buying only liability coverage.

There are a few situations where removing full coverage is not a good plan. If you still owe money on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not buy liability only.

Why Your Insurance Prices might be higher

Many different elements are part of the equation when you get a price on insurance. Some are obvious like a motor vehicle report, although others are less apparent like where you live or your commute time. The best way to find cheaper insurance is to take a look at the factors that go into determining your premiums. If you know what determines base rates, this allows you to make good choices that could result in better insurance rates.

The itemized list below are some of the things that factor into prices.

Neighborhood agents and auto insurance

A lot of people still prefer to sit down with an agent and we recommend doing that Agents are trained to spot inefficiencies and help in the event of a claim. An additional benefit of price shopping on the web is you may find cheap auto insurance rates and still choose a local agent.

After filling out this short form, the quote information is emailed to companies in Bakersfield who will give competitive quotes and help you find cheaper coverage. It’s much easier because you don’t need to visit any agencies since price quotes are sent to the email address you provide. If you have a need to get a comparison quote from a specific auto insurance provider, feel free to go to their quote page and give them your coverage information.

Picking an insurance company requires you to look at more than just a low price. Below are some questions you should ask.

The best insurance company isn’t always the cheapest

Budget-friendly car insurance in Bakersfield can be bought online in addition to local insurance agencies, so get free Bakersfield car insurance quotes from both of them in order to have the best price selection to choose from. Some insurance providers do not provide online price quotes and these small insurance companies only sell through independent insurance agencies.

When you buy Bakersfield car insurance online, it’s very important that you do not buy lower coverage limits just to save a few bucks. There have been many situations where an insured dropped physical damage coverage and learned later they didn’t have enough coverage. Your aim should be to buy a smart amount of coverage at the best possible price while not skimping on critical coverages.

Steps to finding cheaper Ford Escape insurance in Bakersfield

If you want to save money, the best way to save on Ford Escape insurance in Bakersfield is to start comparing prices regularly from different companies who sell auto insurance in California.

The key thing to know about shopping around is to try to use identical coverages on every quote and and to look at as many companies as feasibly possible. Doing this helps ensure a fair price comparison and maximum price selection.

Even more information can be found at these sites: