Discount Ford Escape insuranceWant to learn how to save money and find more affordable Ford Escape insurance in Baltimore? Having to pay for overpriced auto insurance in Baltimore can consume your family's budget and force you to make sacrifices. Performing a rate comparison is free, only takes a few minutes, and is a good way to make sure you're not throwing money away.

Amazingly, a recent study showed that most drivers in Maryland have bought auto insurance from the same company for more than four years, and nearly half have never compared rate quotes at all. Consumers in the U.S. could save about 46.5% every year by just comparing rate quotes, but they just assume it's a time-consuming process to shop their coverage around. Insurance companies such as State Farm, Farmers Insurance, GEICO and Allstate all promote huge savings with catchy ads and it can be hard to sift through the bull and effectively compare rates to find the best deal.

If you have insurance now or are looking for a new policy, you can use these techniques to save money and still have adequate protection. Locating the best rates in Baltimore is really quite easy. Smart buyers just have to learn the quickest way to get comparison quotes from many different companies.

Smart Consumers Can Reduce Insurance Rates

An important part of buying insurance is that you know some of the things that come into play when calculating your insurance rates. If you have a feel for what determines base rates, this empowers consumers to make smart changes that can help you get much lower annual insurance costs.

High performance vehicles cost more to insure - The performance level of the car or truck you are trying to find cheaper insurance for makes a significant difference in how high your rates are. The lowest base rates will generally be found on the lowest performance passenger models, but many other things help determine your insurance rates. Since the Ford Escape is considered a crossover, rates will be slightly more as compared to the average rate in Baltimore.

Better drivers pay lower costs - Your driving citation history has a lot to do with how much you pay for insurance. Attentive drivers pay lower auto insurance prices than people who have multiple driving citations. Only having one speeding ticket can increase rates twenty percent or more. Drivers unfortunate enough to have flagrant citations like hit and run, DWI or reckless driving convictions may need to file a SR-22 to the state department of motor vehicles in order to prevent a license revocation.

City traffic equals higher costs - Being located in less populated areas of the country has it's advantages when it comes to insurance. Fewer drivers on the road means a lower chance of having an accident and also fewer theft and vandalism claims. Residents of big cities tend to have more traffic problems and more severe claims. Higher commute times means higher likelihood of an accident.

Minor frequent claims are not good - If you frequently file small claims, you can expect much higher rates or policy non-renewal. Insurance companies in Maryland award cheaper rates to policyholders who only file infrequent claims. Auto insurance is meant to be used in the event of larger claims.

Theft deterrents save - Selecting a car model that has an advanced theft prevention system can help lower your rates. Theft deterrent systems like OnStar, LoJack tracking, and tamper alarms all help stop auto theft and help lower rates.

Only buy coverage you need - Policies have extra coverages that can waste your money if you don't pay attention. Things like replacement cost coverage, accident forgiveness, and motor club memberships may be wasting your money. They may seem good when buying your policy, but if you have no use for them think about removing them and cutting costs.

Low deductibles mean high rates - Physical damage insurance, termed comprehensive and collision coverage on your policy, covers your vehicle from damage. Some examples of covered claims would be a windshield shattered by a rock, damage caused by hail, and windstorm damage. Physical damage deductibles are how much you are willing to pay if the claim is covered. The higher the amount the insured has to pay upfront, the lower your rates will be.

Insurance loss statistics a Ford Escape - Insurers use claims history when they file their rates in each state. Models that historically have higher claim frequency or loss amount will have higher rates for specific coverages.

The table below shows the insurance loss data for Ford Escape vehicles. For each type of coverage, the loss probability for all vehicles averaged together is equal to 100. Numbers shown that are under 100 indicate a favorable loss history, while values over 100 indicate frequent claims or tendency to have larger claims.

Ford Escape Insurance Claim Statistics

Vehicle Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Ford Escape 4dr 2WD 80 91 83 94 94 92
Ford Escape 4dr 4WD 81 84 94 85 90 77

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Most major insurance companies provide coverage price quotes from their websites. Getting online quotes for Ford Escape insurance in Baltimore is pretty easy because you just enter the coverage amounts you desire as requested by the quote form. Once entered, the quote system pulls credit information and your driving record and gives you a price quote. Getting online quotes for Ford Escape insurance in Baltimore simplifies rate comparisons, and it is important to have as many quotes as possible in order to get cheap car insurance pricing.

If you want to find out what other companies charge, compare rate quotes from the providers shown below. If you have a policy now, it's recommended you complete the form with deductibles and limits exactly as they are listed on your policy. This ensures you will have rate quotes for similar insurance coverage.

The companies in the list below have been selected to offer free quotes in Baltimore, MD. If multiple companies are shown, we suggest you click on several of them in order to find the cheapest rates.

Ford Escape Insurance Rate Estimates in Baltimore, MD
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $238 $440 $332 $20 $100 $1,130 $94
Escape XLS 4WD $236 $426 $362 $22 $108 $1,154 $96
Escape XLT 2WD $278 $478 $356 $22 $106 $1,240 $103
Escape Limited 2WD $314 $434 $346 $20 $104 $1,218 $102
Escape XLT 4WD $166 $268 $390 $24 $116 $964 $80
Escape Limited 4WD $244 $482 $448 $26 $134 $1,334 $111
Get Your Own Custom Quote Go

Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Maryland minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Rate quotes do not factor in specific location which can revise coverage rates considerably.

Deductible analysis

When comparing auto insurance rates, the most common question is where should you set your physical damage deductibles. The rates shown below highlight the differences in premium rates between low and high physical damage deductibles. The first set of rates uses a $250 deductible and the second data table uses a $1,000 deductible.

Ford Escape insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $274 $434 $346 $20 $104 $1,203 $100
Escape XLS 4WD $274 $434 $346 $20 $104 $1,203 $100
Escape XLT 2WD $274 $434 $346 $20 $104 $1,203 $100
Escape Limited 2WD $314 $434 $346 $20 $104 $1,243 $104
Escape XLT 4WD $314 $434 $346 $20 $104 $1,243 $104
Escape Limited 4WD $314 $528 $346 $20 $104 $1,337 $111
Get Your Own Custom Quote Go
Ford Escape insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $168 $274 $346 $20 $104 $912 $76
Escape XLS 4WD $168 $274 $346 $20 $104 $912 $76
Escape XLT 2WD $168 $274 $346 $20 $104 $912 $76
Escape Limited 2WD $194 $274 $346 $20 $104 $938 $78
Escape XLT 4WD $194 $274 $346 $20 $104 $938 $78
Escape Limited 4WD $194 $332 $346 $20 $104 $996 $83
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Maryland minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Table data does not factor in Baltimore location which can modify coverage rates considerably.

Based on the above data, using a $250 deductible will cost you approximately $25 more each month or $300 annually than requesting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you normally average at least 30 months between claims, you would come out ahead by going with a higher deductible.

Calculation for raising deductibles

Average monthly premium for $250 deductibles: $103
Average monthly premium for $1,000 deductibles (subtract): - $78
Monthly savings from raising deductible: $25
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $25
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 30 months

One important caveat is that raising deductibles to get cheaper rates results in having to pay to pay more out-of-pocket when you file a claim. It will be required that you have some funds available in the event you need to pay the deductible to have repairs made.

The ad said I'd save $450 a year!

Consumers in Maryland can't get away from all the ads that claim the cheapest rates from companies such as Progressive, Allstate and GEICO. They all seem to make the point about savings if you get a free Baltimore car insurance quote and switch your policy.

How does every car insurance company save you money on Ford Escape insurance in Baltimore? This is the trick they use.

Many companies can use profiling for a prospective insured that will not have excessive claims. For example, this type of driver might be between 30 and 50, has never had a policy lapse, and has a high credit rating. Anybody who fits those characteristics will get low auto insurance rates and is almost guaranteed to cut their rates substantially.

People who don't measure up to these standards must pay higher premiums which translates to the customer not purchasing. If you listen to the ad wording, they say "drivers that switch" not "all people who quote" will save that much if they switch. That's why insurance companies can advertise the savings.

This really emphasizes why drivers should compare quotes as often as possible. It is impossible to predict which insurance companies will fit your personal profile best.

Buying the right Ford vehicle insurance in Maryland is an important decision

Despite the potentially high cost of Ford Escape insurance, maintaining insurance may be required and benefits you in several ways.

The benefits of buying auto insurance outweigh the cost, especially if you ever need it. As of last year, the average driver in Maryland is overpaying more than $855 a year so it's important to compare rates at least once a year to ensure rates are inline.

Lower rate quotes with discounts

Some companies do not list every discount very clearly, so below is a list some of the more common as well as the least known discounts that you may qualify for.Save money with discounts

While discounts sound great, it's important to understand that some of the credits will not apply to the whole policy. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Despite the appearance that all those discounts means the company will pay you, you're out of luck.

A list of companies and a summarized list of policyholder discounts are included below.

When getting free Baltimore car insurance quotes, it's a good idea to each insurance company how many discounts you can get. Some discounts listed above might not be offered on policies in your area. If you would like to choose from a list of providers that offer multiple discounts in Baltimore, follow this link.

Local neighborhood insurance agents

Many drivers prefer to talk to an insurance agent and often times that is recommended Experienced insurance agents can help you build your policy and help submit paperwork. An additional benefit of comparing rate quotes online is the fact that drivers can get lower premium rates but also keep your business local. And supporting small agencies is important particularly in Baltimore.

Find insurance agent in BaltimoreOnce you complete this quick form, the coverage information is sent to insurance agents in Baltimore who will return price quotes for your business. You won't even need to search for an agent because quoted prices will be sent immediately to you. In the event you want to get a comparison quote from one company in particular, you can always navigate to their website and give them your coverage information.

When searching for a good Baltimore insurance agent, there are a couple of different types of agencies from which to choose. Auto insurance policy providers are classified as either independent or exclusive depending on the company they work for. Both can sell and service auto insurance coverage, but we need to point out how they are different since it could factor into the kind of agent you use.

Independent Insurance Agents

Agents in the independent channel are not limited to a single company and that gives them the ability to insure amongst many companies and get the cheapest rates. If they quote lower rates, they simply switch companies in-house and that require little work on your part. If you need cheaper auto insurance rates, it's recommended you get quotes from multiple independent agents for the best price selection.

Shown below are Baltimore independent agents that may be able to give you price quotes.

900 S Charles St - Baltimore, MD 21230 - (410) 385-0455 - View Map

3229 Erdman Ave - Baltimore, MD 21213 - (410) 558-0396 - View Map

23 South St - Baltimore, MD 21202 - (410) 539-6767 - View Map

More insurance agents

Exclusive Auto Insurance Agencies

Agents that elect to be exclusive can only provide one company's prices and examples are American Family, State Farm, and Allstate. Exclusive agencies are unable to place coverage with different providers so they have to upsell other benefits. Exclusive agents are highly trained on the products they sell and that can be a competitive advantage.

Listed below is a short list of exclusive insurance agencies in Baltimore that can give you price quotes.

454 E Fort Ave - Baltimore, MD 21230 - (410) 727-4545 - View Map

Charmaine Barnes - State Farm Insurance Agent
900 S Ellwood Ave - Baltimore, MD 21224 - (410) 675-1900 - View Map

9652 Belair Rd - Baltimore, MD 21236 - (410) 256-5600 - View Map

More insurance agents

Selecting an car insurance agent should depend on more than just a cheap quote. Some important questions to ask are:

When do I need an agent's advice?

When buying a policy, there isn't really a "best" method to buy coverage. Your financial needs are unique.Safe vehicles cost less to insure

For instance, these questions may help you determine if your situation will benefit from professional help.

If it's difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form. It's fast, doesn't cost anything and may give you better protection.

What is YOUR best insurance company?

Lower-priced auto insurance in Baltimore is attainable from both online companies in addition to many Baltimore insurance agents, so you should compare both in order to have the best chance of saving money. Some insurance companies may not offer rate quotes online and usually these small insurance companies provide coverage only through independent insurance agents.

As you restructure your insurance plan, make sure you don't buy poor coverage just to save money. There are many occasions where someone sacrificed comprehensive coverage or liability limits only to find out that their decision to reduce coverage ended up costing them more. Your goal should be to get the best coverage possible for the lowest price and still be able to protect your assets.

Insureds change insurance companies for a variety of reasons including policy non-renewal, delays in paying claims, lack of trust in their agent or high prices. Whatever your reason, switching auto insurance companies is easier than you think.

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