Locating cheaper insurance for your Ford Escape in California could be an all-consuming task, but you can learn our car insurance buying tips to make it easier. There are both good and bad ways to find car insurance online so you’re going to learn the quickest way to quote coverages for your Ford and find the lowest possible price either online or from Long Beach insurance agents.
Astonishing but true, most car insurance policyholders have been with the same company for at least the last four years, and nearly half have never compared quotes from other companies. Many drivers in California can save hundreds of dollars each year by just comparing rate quotes, but they don’t know the big savings they would realize if they changed companies.
Consumers should take time to check car insurance prices every six months because prices are adjusted regularly by insurance companies. Even if you think you had the lowest price on Ford Escape insurance in Long Beach a few years ago there may be better deals available now. Forget anything you know (or think you know) about car insurance because you’re going to get a crash course in the tricks you need to know to save on car insurance.
Buying affordable insurance in Long Beach is really not that difficult. If you’re already insured or just want to save money, use these tips to lower your rates and possibly find even better coverage. You just have to know the most efficient way to get comparison quotes online.
Companies offering Ford Escape insurance in Long Beach
The companies shown below provide price quotes in Long Beach, CA. To find the cheapest car insurance in Long Beach, we recommend you visit as many as you can to find the most affordable auto insurance rates.
Detailed insurance information
The price information below highlights detailed analysis of coverage costs for Ford Escape models. Having a better idea how prices are established can help you make decisions on which coverage to buy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Escape XLS 2WD | $332 | $564 | $376 | $22 | $112 | $1,406 | $117 |
| Escape XLS 4WD | $332 | $564 | $376 | $22 | $112 | $1,406 | $117 |
| Escape XLT 2WD | $332 | $564 | $376 | $22 | $112 | $1,406 | $117 |
| Escape Limited 2WD | $380 | $564 | $376 | $22 | $112 | $1,454 | $121 |
| Escape XLT 4WD | $380 | $564 | $376 | $22 | $112 | $1,454 | $121 |
| Escape Limited 4WD | $380 | $686 | $376 | $22 | $112 | $1,576 | $131 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Premium costs do not factor in your specific Long Beach location which can influence coverage prices greatly.
Should you raise deductibles?
One frequently asked question is which deductibles should you choose. The premium rates below approximate how much more rates are between high and low comp and collision deductibles. The first rate estimation uses a $250 physical damage coverage deductible and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Escape XLS 2WD | $298 | $472 | $376 | $22 | $112 | $1,305 | $109 |
| Escape XLS 4WD | $298 | $472 | $376 | $22 | $112 | $1,305 | $109 |
| Escape XLT 2WD | $298 | $472 | $376 | $22 | $112 | $1,305 | $109 |
| Escape Limited 2WD | $342 | $472 | $376 | $22 | $112 | $1,349 | $112 |
| Escape XLT 4WD | $342 | $472 | $376 | $22 | $112 | $1,349 | $112 |
| Escape Limited 4WD | $342 | $576 | $376 | $22 | $112 | $1,453 | $121 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Escape XLS 2WD | $184 | $298 | $376 | $22 | $112 | $992 | $83 |
| Escape XLS 4WD | $184 | $298 | $376 | $22 | $112 | $992 | $83 |
| Escape XLT 2WD | $184 | $298 | $376 | $22 | $112 | $992 | $83 |
| Escape Limited 2WD | $210 | $298 | $376 | $22 | $112 | $1,018 | $85 |
| Escape XLT 4WD | $210 | $298 | $376 | $22 | $112 | $1,018 | $85 |
| Escape Limited 4WD | $210 | $362 | $376 | $22 | $112 | $1,082 | $90 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Estimates do not factor in your specific Long Beach location which can alter coverage rates substantially.
Based on the data above, we can derive that using a $250 deductible costs approximately $27 more each month or $324 annually averaged for all Escape models than choosing the higher $1,000 deductible. Since you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you normally go at least 28 months between claims, you would more than likely save some money by going with a higher deductible.
How to calculate if higher deductibles make sense
| Average monthly premium for $250 deductibles: | $112 |
| Average monthly premium for $1,000 deductibles (subtract): | – $85 |
| Monthly savings from raising deductible: | $27 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $27 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 28 months |
One thing to note is that increasing deductibles to lower your rates means you will have to pay more when you file a claim. You must have some extra savings in order to pay the deductible.
The illustration below demonstrates how deductible levels and can affect Ford Escape insurance prices for different age groups. The price estimates are based on a married male driver, full physical damage coverage, and no policy discounts are applied.
Liability only or full coverage
The example below shows the comparison of Ford Escape insurance premiums with full coverage and liability only. The information is based on no claims or driving violations, $100 deductibles, single status, and no policy discounts are applied.
Should you be buying full coverage?
There is no definitive formula for excluding full coverage, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than around 10% of the replacement cost minus the deductible, then you may need to consider dropping full coverage.
For example, let’s pretend your Ford Escape claim settlement value is $4,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, you would only receive $3,000 after the deductible is paid. If you are currently paying more than $300 annually for your policy with full coverage, then it’s probably a good time to buy liability coverage only.
There are some situations where only buying liability is not in your best interest. If you still have a loan on your vehicle, you must maintain physical damage coverage in order to keep the loan. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should keep full coverage on your policy.
Lower Your Long Beach Insurance Costs
Many factors are considered when pricing auto insurance. Some are pretty understandable like your driving record, but other factors are more obscure like where you live or how financially stable you are.
The itemized list below are some of the most rate-impacting factors companies use to determine your rate level.
Single drivers take more risk – Having a significant other can get you a discount when shopping for car insurance. Having a significant other demonstrates that you tend to be more mature and responsible and statistics prove drivers who are married file infrequent claims.
Females tend to take less risk – Over the last 30 years, statistics show that females take fewer risks when driving. However, this does not mean men are WORSE drivers than women. Both genders tend to get into fender benders at about the same rate, but the males have accidents that have higher claims. In addition to higher claims, males also receive more major tickets like reckless driving and DUI. Youthful male drivers have the highest risk to insure and thus pay the highest rates.
The diagram below shows the difference between Ford Escape insurance costs for male and female drivers. The price estimates are based on no accidents, no driving violations, full physical damage coverage, $500 deductibles, marital status is single, and no other discounts are factored in.
Big cities have higher rates – Being located in a small town can save you money when trying to find low car insurance rates. Drivers who live in large cities have more road rage incidents and higher rates of accident claims. Fewer drivers on the road means reduced accidents and also fewer theft and vandalism claims.
Cars with good safety ratings mean better rates – Vehicles with good safety scores tend to have better insurance rates. Safe vehicles reduce injuries and fewer injuries means your insurance company pays less and lower rates for you.
Insurance loss data for Ford Escape vehicles – Car insurance companies study historical loss data to calculate a rate that offsets possible losses. Vehicles that the data shows to have higher number or severity of losses will cost more for specific coverages. The table below illustrates the actual insurance loss data for Ford Escape vehicles.
For each insurance policy coverage type, the claim probability for all vehicles, regardless of make or model, is represented as 100. Numbers that are below 100 imply a favorable loss record, while percentages above 100 indicate higher probability of having a loss or tendency to have higher losses.
| Specific Ford 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 from IIHS.org for 2013-2015 Model Years
You may qualify for discounts for Ford Escape insurance in Long Beach
Auto insurance is not cheap nor is it fun to buy but you may find discounts that you may not know about. Many of these discounts will be applied automatically at quote time, but less common discounts must be requested specifically before you will receive the discount.
- Anti-lock Brake Discount – Anti-lock brake equipped vehicles are much safer to drive and earn discounts up to 10%.
- Payment Method – If you pay your bill all at once as opposed to paying monthly you can actually save on your bill.
- Early Renewal Discounts – A few companies give discounts for switching policies prior to the expiration date on your current Escape insurance policy. You may see this discount when you get Long Beach car insurance quotes online.
- Drive Safe and Save – Accident-free drivers can get discounts for up to 45% lower rates than less cautious drivers.
- Distant Student – College-age children who are enrolled in a college that is more than 100 miles from Long Beach and do not have a car may be insured at a cheaper rate.
- Seat Belt Usage – Drivers who require all occupants to buckle up before driving can save a little off PIP or medical payments premium.
- No Accidents – Good drivers with no accidents pay much less in comparison with drivers with a long claim history.
Don’t be surprised that some credits don’t apply to the whole policy. Most only reduce the price of certain insurance coverages like comprehensive or collision. Even though the math looks like you could get a free auto insurance policy, company stockholders wouldn’t be very happy.
The illustration below compares Ford Escape premium costs with and without discounts applied. The information is based on a male driver, no accidents, no driving violations, California 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 claim-free, safe-driver, multi-car, multi-policy, homeowner, and marriage discounts applied.
Some of the larger companies that may have these benefits may include but are not limited to:
If you need affordable Long Beach car insurance quotes, ask each company or agent the best way to save money. Some of the discounts discussed earlier might not be available to policyholders in your state.
Are insurance agents used anymore?
A lot of people still prefer to talk to a local agent and that is not a bad decision Licensed agents are trained risk managers and help you file claims. An additional benefit of comparing rates online is that you can find better rates and still buy from a local agent.
For easy comparison, once you complete this short form, your coverage information gets sent to participating agents in Long Beach who can give free rate quotes for your business. You don’t have to contact an agency due to the fact that quote results will go immediately to you. If you have a need to compare rates from a specific company, you just need to go to their quote page and submit a quote form there.
Picking the best insurance company requires you to look at more than just a cheap price. Any agent in Long Beach should have no problem answering these questions:
- Which family members are covered?
- Will a damage claim use OEM or aftermarket replacement parts?
- Where would glass claims be handled in Long Beach?
- Do they carry Errors and Omissions coverage?
- Do they offer accident forgiveness?
Shown below is a short list of auto insurance companies in Long Beach that may be able to provide rate quotes for Ford Escape insurance in Long Beach.
- Nationwide Insurance: Caiquo Insurance Agency
4401 Atlantic Ave #214 – Long Beach, CA 90807 – (562) 548-7488 – View Map - Farmers Insurance: Paul Soeung
2338 E Anaheim St #101a – Long Beach, CA 90804 – (562) 856-0328 – View Map - Lara Insurance
6689 Downey Ave – Long Beach, CA 90805 – (562) 408-2800 – View Map - Amico Insurance Agency Inc.
100 Oceangate #1200 – Long Beach, CA 90802 – (877) 467-8799 – View Map
Upon receiving answers to your satisfaction and a good coverage price, you may have just found an insurance company that can insure your vehicles. But remember, it’s your coverage and you can terminate your policy when you choose so don’t think that you are obligated to a specific company with no way out.
Auto insurance company ratings
Ending up with the best car insurance company is hard considering how many choices you have in Long Beach. The company information below could help you analyze which coverage providers to look at purchasing a policy from.
Top 10 Long Beach Car Insurance Companies Ranked by Value
- USAA
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
- Nationwide
Top 10 Long Beach Car Insurance Companies Overall
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Your situation helps dictate your coverage
When buying a policy, there really isn’t a one size fits all plan. Every situation is different and your auto insurance should be unique as well.
These are some specific questions can aid in determining whether your personal situation could use an agent’s help.
- Does my policy pay for OEM or aftermarket parts?
- How long can I keep a teen driver on my policy?
- When should my teen driver be added to my policy?
- Are there companies who specialize in insuring high-risk drivers?
- When should I drop full coverage on my Ford Escape?
- Can I get by with minimal medical coverage if I have good health insurance?
- What is the difference between comprehensive and collision coverage?
- Is my cargo covered for damage or theft?
- Who does medical payments coverage extend to?
- Does my personal policy cover me when driving out-of-state?
If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short 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.
The lowest rates come from being thorough
When trying to cut insurance costs, don’t be tempted to skimp on coverage in order to save money. There are too many instances where someone dropped liability limits or collision coverage only to regret at claim time they didn’t have enough coverage. Your aim should be to buy a smart amount of coverage for the lowest cost.
Lower-priced car insurance in Long Beach can be found on the web and also from your neighborhood Long Beach agents, and you need to comparison shop both so you have a total pricing picture. A few companies may not have rates over the internet and most of the time these smaller companies provide coverage only through independent agencies.
Steps to finding the cheapest rates for Ford Escape insurance in Long Beach
The preferred way to quote cheaper auto insurance rates in Long Beach is to begin comparing prices regularly from providers that insure vehicles in California. You can compare rates by following these guidelines.
- Step 1: Try to comprehend how companies set rates and the measures you can take to drop your rates. Many policy risk factors that cause high rates such as accidents, careless driving, and an unacceptable credit score can be amended by making small lifestyle or driving habit changes.
- Step 2: Compare rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only quote rates from a single company like Progressive or State Farm, while independent agents can provide prices for a wide range of companies. View rates
- Step 3: Compare the new quotes to your current policy and see if you can save money. If you can save some money, ensure coverage does not lapse between policies.
One key aspect of rate comparisons is to try to compare identical limits and deductibles on every quote request and and to get quotes from every insurance company. This provides an apples-to-apples comparison and the most accurate and complete price analysis.
Even more information is available in the articles below:
- Collision Insurance Coverage (Nationwide)
- Who Has the Cheapest Car Insurance for 19 Year Olds in Long Beach? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for a Toyota 4Runner in Long Beach? (FAQ)
- What Insurance is Cheapest for Government Employees in Long Beach? (FAQ)
- Who Has Cheap Auto Insurance After a Speeding Ticket in Long Beach? (FAQ)
- Teen Driver Licensing Information (iihs.org)
- Auto Insurance Basics (Insurance Information Institute)
- Red Light Cameras (State Farm)