Save Money on Ford Escape Insurance in Montgomery

Do you need a better way to compare more affordable Ford Escape insurance in Montgomery? If you are new to getting Montgomery car insurance quotes online, by this point your are probably bewildered by the diversity of companies selling insurance in Montgomery.

Insurance rates Ford Escape in MontgomeryA recent study showed that most insurance policyholders kept their coverage with the same insurance company for at least four years, and roughly 40% of drivers have never quoted rates to find affordable coverage. With the average premium in Alabama being $1,330, drivers could save up to $500 each year just by shopping around, but they assume it's a waste of time to find affordable rates by getting comparison quotes.

If you're already insured, you should be able to get lower rates using this strategy. This information will teach you a little about the most effective ways to compare rates. But Alabama drivers need to learn how big insurance companies calculate your policy premium and take advantage of how the system works.

Informed Consumers Can Lower Insurance Rates

One of the most helpful ways to save on insurance is to to have a grasp of the different types of things that play a part in calculating insurance rates. When you know what positively or negatively controls the rates you pay, this enables you to make decisions that can earn you lower insurance prices. Many factors are used when quoting car insurance. Some are obvious such as your driving history, but other factors are more transparent such as your marital status and annual miles driven.

When looking for cheaper Montgomery car insurance quotes, there are a couple ways to obtain and compare prices from all the different companies. The simplest method to lower the rate you pay for Ford Escape insurance is simply to get online rate quotes.

Just keep in mind that more quotes helps increase your odds of locating more affordable insurance. Not every company does rate quotes online, so it's important to compare price estimates from the smaller companies as well.

The car insurance companies shown below have been selected to offer price quotes in Montgomery, AL. If more than one company is shown, it's a good idea that you compare several of them in order to find the cheapest rates.

Ford Escape Insurance Estimates in Montgomery, AL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $136 $222 $292 $18 $88 $756 $63
Escape XLS 4WD $180 $334 $346 $20 $104 $984 $82
Escape XLT 2WD $222 $416 $346 $20 $104 $1,108 $92
Escape Limited 2WD $226 $366 $276 $16 $82 $966 $81
Escape XLT 4WD $138 $234 $324 $20 $96 $812 $68
Escape Limited 4WD $164 $294 $270 $16 $80 $824 $69
Get Your Own Custom Quote Go

Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Alabama minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Rates do not factor in specific garaging location which can decrease or increase coverage prices significantly.

Higher deductibles save money

The chart below illustrates how your deductible choice and can affect Ford Escape premium costs for different insured age categories. The premium estimates are based on a single male driver, full coverage, and no discounts are applied to the premium.

Ford Escape insurance premiums by gender and age

The information below compares Ford Escape annual premium costs for male and female drivers. The information is based on no accidents, no driving violations, full coverage, $100 deductibles, single marital status, and no other discounts are factored in.

Insuring your vehicle just makes sense

Even though it's not necessarily cheap to insure a Ford in Montgomery, insurance is required for several reasons.

The benefits of buying insurance definitely exceed the price paid, especially when you need to use it. Today the average American driver is overpaying more than $855 a year so it's important to compare rates every year to ensure rates are inline.

Get cheaper Ford Escape insurance in Montgomery with discounts

Companies that sell car insurance don't always publicize every discount they offer very well, so the list below contains both the well known and also the more inconspicuous discounts you could be receiving when you buy Montgomery car insurance online.Cheaper insurance with discounts

A little disclaimer on discounts, most discounts do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like medical payments or collision. So when it seems like you would end up receiving a 100% discount, companies wouldn't make money that way.

The best insurance companies and a summarized list of policyholder discounts are shown below.

Double check with every insurance company which discounts they offer. Some discounts may not apply to policyholders in Montgomery. If you would like to choose from a list of insurance companies that offer the discounts shown above in Alabama, follow this link.

Auto insurance agents near you

Some people still like to talk to a local agent and that is a personal choice. A good thing about price shopping on the web is that you can find cheap rate quotes but also keep your business local. And buying from local insurance agents is important especially in Montgomery.

To find an agent, once you fill out this form (opens in new window), the quote information is sent to participating agents in Montgomery that give free quotes to get your business. You won't even need to find an agent on your own as quotes are delivered to the email address you provide. You can most likely find cheaper rates and an insurance agent to talk to. If you want to quote rates from a specific company, you can always find their quoting web page to submit a rate quote request.

Finding the right insurance company needs to be determined by more than just the bottom line cost. Here are some questions to ask:

If you feel you receive good feedback to any questions you have and locked in a price quote, most likely you have located a company that is professional and can provide insurance coverage.

Be persistent and save

We just presented a lot of tips how to shop for Ford Escape insurance online. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. Consumers could even find that the best rates are with a smaller regional carrier.

People switch companies for any number of reasons including high rates after DUI convictions, being labeled a high risk driver, not issuing a premium refund and lack of trust in their agent. It doesn't matter why you want to switch finding a great new company can be less work than you think.

Lower-priced car insurance in Montgomery is definitely available online as well as from insurance agents, and you need to price shop both in order to have the best chance of saving money. Some companies do not offer rate quotes online and many times these regional carriers work with independent agents.

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