Cheap Ford Escape Insurance in Baltimore

If saving the most money is your goal, then the best way to quote cheaper car insurance rates in Baltimore is to make a habit of comparing prices annually from insurance carriers who sell insurance in Maryland.

1. Spend some time learning about how your policy works and the factors you can control to drop your rates. Many rating criteria that are responsible for high rates such as distracted driving and a negative credit score can be amended by making minor changes to your lifestyle. Later in this article we will cover information to find cheap rates and find overlooked discounts.
2. Compare prices from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from a single company like Progressive or Farmers Insurance, while independent agencies can provide prices from many different companies.
3. Compare the price quotes to your existing coverage to see if a cheaper price is available in Baltimore. If you find better rates, ensure there is no coverage lapse between policies.
4. Provide adequate notice to your current company of your decision to cancel your current coverage and submit the required down payment along with the signed application to the new company. Make sure you place the new proof of insurance certificate above your visor, in the console, or in the glove compartment.

The most important part of this process is that you’ll want to make sure you compare identical limits and deductibles on every price quote and and to get prices from as many car insurance companies as possible. Doing this ensures the most accurate price comparison and a better comparison of the market.

Unbelievably, about 70% of customers have remained with the same insurance company for at least the last four years, and almost half have never quoted rates to find cheaper coverage. American drivers can save approximately 47% each year just by getting comparison quotes, but they underestimate the big savings they would realize if they replace their high priced policy.

Buying the cheapest auto insurance in Baltimore can be easy if you know a few tricks. If you are already insured or just want cheaper rates, you can learn to lower your rates and still get good coverage. Comparison shoppers only need to know the quickest method to compare rate quotes from many companies at once.

Earn discounts on Baltimore car insurance

Some insurance providers don’t necessarily list all their discounts in an easy-to-find place, so the list below contains some of the best known and the harder-to-find credits that you can use to lower your rates. If they aren’t giving you every credit possible, you could be saving more on your car insurance.

• Data Collection Discounts – Drivers who elect to allow data collection to track vehicle usage by using a telematic data system like Allstate’s Drivewise might see lower rates if they are good drivers.
• Early Switch Discount – Some companies give discounts for renewing your policy before your current expiration date. It could save around 10% when you buy Baltimore car insurance online.
• Military Discounts – Being deployed in the military could be rewarded with lower rates.
• Low Mileage – Driving less could be rewarded with better car insurance rates on cars that stay parked.
• Passenger Safety Discount – Cars that have air bags could see savings up to 30%.

As a sidenote, most discounts do not apply to the whole policy. Some only reduce individual premiums such as liability and collision coverage. Just because you may think it’s possible to get free car insurance, it doesn’t quite work that way.

The diagram below compares Ford Escape insurance prices with and without discounts applied. The costs are based on a male driver, no claims, a clean driving record, Maryland state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, homeowner, claim-free, multi-policy, and multi-car discounts applied.

A few of the larger companies and some of the discounts can be read below.

• State Farm offers premium reductions for anti-theft, passive restraint, multiple policy, defensive driving training, and accident-free.
• Esurance may include discounts for claim free, Pac-12 alumni, online shopper, multi-car, online quote, emergency road assistance, and good driver.
• Progressive has savings for multi-vehicle, good student, homeowner, online signing, online quote discount, multi-policy, and continuous coverage.
• Liberty Mutual may have discounts that include hybrid vehicle, good student, preferred payment discount, new move discount, exclusive group savings, teen driver discount, and multi-car.
• Auto-Owners Insurance has discounts for paid in full, mature driver, anti-theft, multiple vehicles, safe vehicle, air bags, and good student.
• GEICO includes discounts for emergency military deployment, good student, military active duty, anti-lock brakes, and seat belt use.

Before buying, ask each company to apply every possible discount. All car insurance discounts may not apply in Baltimore. To view providers who offer cheap Ford Escape insurance quotes in Baltimore, click this link.

The following companies have been selected to offer quotes in Maryland. If multiple companies are listed, it’s a good idea that you click on several of them to get the best price comparison.

Rates and information analytics

The information shown below covers a range of prices for Ford Escape models. Being more informed about how insurance prices are determined can assist in making smart choices when purchasing an auto insurance policy.

Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Maryland minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Rates do not factor in zip code location which can impact rates considerably.

Rate comparison for different deductibles

One common question asked by Baltimore drivers is at what level do you set your deductibles. The premium rates below outline the rate fluctuation between high and low comp and collision deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second price grid uses a $1,000 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Maryland minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Estimates do not factor in specific location information which can lower or raise auto insurance rates substantially.

Using the data above, we can ascertain that using a $100 deductible costs an average of $36 more each month or $432 annually than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you average at a minimum 25 months between claims, you would save more money if you elect the higher deductible.

The chart below illustrates how your deductible choice and can change Ford Escape insurance premiums for each different age category. The prices are based on a married male driver, full coverage, and no discounts are applied to the premium.

Should you buy full coverage?

The diagram below visualizes the comparison of Ford Escape insurance costs with full physical damage coverage compared to only buying liability only. The premiums are based on no violations or accidents, $100 deductibles, drivers are single, and no discounts are applied to the premium.

Should you pay for full coverage or liability only?

There is no exact formula of when to phase out comp and collision coverage, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is 10% or more of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s say your Ford Escape settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company would pay you is $4,000 after you pay the deductible. If you are paying in excess of $400 a year to have full coverage, then you might want to think about dropping full coverage.

There are some conditions where dropping physical damage coverage is not a good plan. If you still owe a portion of the original loan, you are required to maintain full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should keep full coverage in place.

How do I know if I need professional advice?

When it comes to choosing insurance from an agent or online, there really is not a perfect coverage plan. Everyone’s situation is a little different.

For example, these questions might point out whether or not you could use an agent’s help.

• How many claims can I have before being canceled?
• Why do I only qualify for high-risk insurance?
• Are combined or split liability limits better?
• Am I covered if I have no license?
• Are my custom wheels covered?
• When should I have rental car coverage?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and can help protect your family.

What if I want to buy from local Baltimore insurance agencies?

A lot of people just prefer to visit with an insurance agent and that is not a bad decision Good agents can help you build your policy and help in the event of a claim. An additional benefit of comparing insurance prices online is the fact that you can find better rates and also buy local.

Once you complete this quick form, your coverage information is sent to local insurance agents that give free quotes for your coverage. You don’t have to find an agent because prices are sent to your email. If you have a need to compare rates for a specific company, feel free to go to their quote page and give them your coverage information.

Choosing the best company requires you to look at more than just the bottom line cost. Any good agent in Baltimore should know the answers to these questions.

• How many years have they been established?
• Is working in the agency their full-time job?
• Does the agency have a positive business rating?
• Is vehicle mileage a factor when determining depreciation for repairs?
• In the event of vehicle damage, can you pick the collision repair facility?

A little work can save a LOT of money

More affordable car insurance in Baltimore is attainable on the web and from local agencies, so you should be comparing quotes from both to get a complete price analysis. Some car insurance companies may not provide the ability to get quotes online and usually these regional insurance providers work with independent agencies.

We covered many ideas to find lower-cost Ford Escape insurance in Baltimore. It’s most important to understand that the more quotes you get, the higher your chance of finding cheaper Baltimore car insurance quotes. You may even be surprised to find that the best price on car insurance is with a small local company.

When searching for affordable Baltimore car insurance quotes, make sure you don’t reduce needed coverages to save money. In too many instances, someone sacrificed collision coverage only to regret at claim time they didn’t purchase enough coverage. Your objective should be to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

Additional resources

• Side Impact Crash Tests (iihs.org)
• Who Has Cheap Auto Insurance for Teenage Males in Baltimore? (FAQ)
• Who Has the Cheapest Auto Insurance for High Mileage Drivers in Baltimore? (FAQ)
• Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
• Credit Impacts Car Insurance Rates (State Farm)