Top Tricks to Lowering Your Ford Escape Insurance Rates in Las Vegas

Finding the cheapest insurance for your Ford Escape in Nevada can turn out to be a lot of work, but you can learn these tips and make it easy.

There are both good and bad ways to shop for car insurance and we’ll show you the proper way to price shop coverage for a Ford and find the cheapest rates either online or from Las Vegas insurance agents.

If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using this information. Finding more affordable car insurance coverage in Las Vegas is not that difficult. Although Nevada car owners benefit from understanding the way companies price online insurance and use this information to your advantage.

Discounts are basically free money

The price of auto insurance can be rather high, but you may find discounts that you may not even be aware of. Certain discounts will be applied when you purchase, but a few need to be asked for before you will receive the discount.

  • Safe Driver Discount – Insureds without accidents may save up to 50% more for Escape coverage than drivers with accidents.
  • Low Mileage – Low mileage vehicles can qualify you for discounted rates on garaged vehicles.
  • Save over 55 – Mature drivers may receive a small decrease in premiums for Escape coverage.
  • Safety Course Discount – Completing a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
  • Theft Prevention Discount – Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Homeowners Pay Less – Owning a home in Las Vegas can save you money due to the fact that maintaining a home requires personal responsibility.
  • Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class in high school.
  • Clubs and Organizations – Being a member of a civic or occupational organization is a good way to get lower rates on your policy for Escape coverage.
  • Federal Government Employee – Active or retired federal employment may qualify you for a discount for Escape coverage with a few car insurance companies.
  • College Student – Kids in college who are attending college and do not have access to a covered vehicle may be able to be covered for less.

It’s important to understand that most of the big mark downs will not be given the the whole policy. Most cut the cost of specific coverages such as liability and collision coverage. So when it seems like you would end up receiving a 100% discount, car insurance companies aren’t that generous. Any amount of discount will help reduce your overall premium however.

For a list of providers offering car insurance discounts in Nevada, follow this link.

Comparison of Car Insurance in Las Vegas, Nevada

When shopping for car insurance there are multiple ways of comparing price quotes from car insurance companies in your area. The recommended way to find the cheapest Ford Escape insurance rates consists of shopping online. This can be accomplished in just a few minutes using one of these methods.

One of the best ways consumers can make multiple comparisons is an all-inclusive rate comparison click to view form in new window. This form eliminates the need for separate quotes for each company you want a rate for. One form submission compares rates direct from many companies.It’s the quickest way to get rates.

A more time consuming way to analyze rates consists of going to each company website to complete their respective quote request forms. For example, let’s assume you want to compare rates from Allstate, Progressive and Travelers. To find out each rate you need to spend time on each company’s site and enter your policy data, which is why the first method is quicker. For a list of links to insurance companies in Las Vegas, click here.

The hardest way to compare rates is to spend your day driving to insurance agents’ offices. Buying insurance online eliminates the need for an insurance agent unless you have a need for the personal advice of a licensed agent. You can, however, price shop your coverage online and get advice from an agent in your area.Las Vegas insurance quotes

It’s your choice how you get your quotes, but be sure to compare apples-to-apples coverages with each company. If you are comparing differing limits it will be very difficult to find the best deal for your Ford Escape in Las Vegas. Slightly different coverages can make a big difference in price. And when quoting car insurance, remember that comparing a large number of companies helps locate the best price.

Ford Escape insurance premiums are calculated by many factors

It’s important that you understand some of the elements that come into play when calculating your car insurance rates. When you know what positively or negatively impacts premium levels allows you to make educated decisions that can help you get big savings.

  • Do you qualify for a multi-policy discount? – Most insurance companies give discounts to insureds who have multiple policies with them in the form of a multi-policy discount. If you currently are using one company, it’s still a good idea to compare rates to ensure the best deal.
  • Adjust deductibles and save – Your deductibles represent how much money you are required to spend before a claim is paid by your company. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Examples of covered claims are colliding with a building, damage caused by hail, and windstorm damage. The more money you’re willing to pay, the bigger discount you will receive for Escape coverage.
  • The type of vehicle makes a difference – The performance of the vehicle you are insuring makes a significant difference in your rates. The most favorable rates are for lower performance four cylinder passenger vehicles, but the final cost of insurance is determined by many other factors. Since the Ford Escape is considered a crossover, insuring your vehicle will cost slightly more than the average rate where you live in Las Vegas.
  • Do you have a high stress job? – Did you know your job can affect your rates? Careers like lawyers, executives and financial analysts are shown to have higher average rates due to job stress and long work hours. Conversely, professions such as scientists, engineers and homemakers pay the least for Escape coverage.

Quote online but work with a neighborhood agent

Certain consumers just want to sit down with an agent and there is nothing wrong with that. One of the great benefits of comparing insurance prices online is you may find better rates but still work with a licensed agent. Buying from local insurance agencies is important especially in Las Vegas.

For easy comparison, once you complete this form (opens in new window), your information is instantly submitted to insurance agents in Las Vegas who will battle for your coverage. There is no need to visit any agencies since price quotes are sent immediately to your email address. Now that’s easy! Get lower rates AND a local agent.

If you want to contact a specific insurance agent in Las Vegas, click here to link.

Selecting an insurance company shouldn’t rely on just the price. These are valid questions to ask:

  • Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
  • Are you getting all the discounts the company offers?
  • What insurance company do they write the most business with?
  • Do they specialize in personal lines coverage?
  • Will your rates increase after a single accident?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Do the coverages you’re quoting properly cover your vehicle?

Once you have received positive responses to any questions you have and locked in a price quote, you have narrowed it down to a company that will adequately provide car insurance.

Beware of misleading car insurance ads

Car insurance companies such as State Farm, Allstate and GEICO continually stream ads on television and other media. They all seem to make an identical promise of big savings after switching to their company. How can each company claim to save you money? This is how they do it.

All the different companies are able to cherry pick for the type of customer that makes them money. For instance, a preferred risk might be profiled as between the ages of 40 and 55, insures multiple vehicles, and has great credit. A customer getting a price quote who fits that profile will qualify for the lowest rates and most likely will save a lot of money.

Potential insureds who don’t measure up to this ideal profile will be charged higher prices which usually ends up with business going elsewhere. The ad wording is “people who switch” but not “drivers who get quotes” save money. That’s why companies can truthfully make those claims.

That is why you need to compare many company’s rates. It’s just too difficult to predict which company will fit your personal profile best.

Escape insurance cheap

And the best car insurance company is…

Consumers switch companies for many reasons like questionable increases in premium, unfair underwriting practices, high rates after DUI convictions and policy cancellation. Regardless of your reason for switching companies, finding the right car insurance provider is pretty easy and you might even save some money in the process.

Affordable Ford Escape insurance can be purchased on the web and also from your neighborhood Las Vegas agents, so compare prices from both in order to have the best chance of saving money. There are still a few companies who may not provide online price quotes and many times these smaller companies only sell through independent insurance agents.

Throughout this article, we presented a lot of techniques to get a better price on Ford Escape insurance. It’s most important to understand that the more providers you compare, the better likelihood of reducing your rate. Drivers may discover the most savings is with an unexpected company.

Additional car insurance information is available on the Nevada Division of Insurance website located here. Nevada drivers can view agent and company licensing information, learn about insurance regulations, learn about specific coverages, and read consumer alerts.

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