Ford Escape Insurance Rate Quotes in Birmingham

Insurance rates Ford Escape in BirminghamNo normal person likes having to buy insurance, particularly when they could get a better deal.

Inconceivable but true, almost 70% of drivers renewed their policy with the same company for over three years, and nearly 40% of drivers have never even compared rates from other companies. Many consumers in Birmingham could save themselves roughly 40% a year just by shopping around, but they don't believe the large savings they would see if they switched. Because you have many options for buying cheap insurance for a Ford Escape in Birmingham, it's nearly impossible to find the best insurance company.

All major auto insurance companies like State Farm, Allstate and GEICO give coverage price quotes from their websites. Getting Ford Escape insurance prices online is possible for anyone because it's just a matter of typing in the coverages you want on the page. Once entered, their quoting system makes automated requests for your driving record and credit report and generates pricing information based on many factors. Using the web to get price quotes for Ford Escape insurance in Birmingham makes comparing rates easy, and it's absolutely necessary to get many rate quotes if you want to find a lower rate.

If you want to compare rates using this form now, compare rate quotes from the providers shown below. If you have coverage now, it's recommended you complete the form with your coverages exactly as shown on your declarations page. Doing this assures you will receive a fair comparison using the same coverage and limits.

The companies shown below provide free rate quotes in Alabama. If several companies are displayed, we suggest you click on several of them to find the lowest car insurance rates.

Ford Escape Insurance Rates in Birmingham, AL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $246 $422 $292 $18 $88 $1,066 $89
Escape XLS 4WD $178 $328 $372 $22 $112 $1,012 $84
Escape XLT 2WD $252 $430 $286 $16 $86 $1,070 $89
Escape Limited 2WD $290 $430 $286 $16 $86 $1,108 $92
Escape XLT 4WD $192 $268 $296 $18 $88 $862 $72
Escape Limited 4WD $260 $440 $286 $16 $86 $1,088 $91
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Alabama minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Estimates do not factor in specific location information which can lower or raise premiums noticeably.

Full coverage rates vs. liability-only in Birmingham

The chart below shows the comparison of Ford Escape insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Alabama. The prices are based on no claims or violations, $250 deductibles, single male driver, and no policy discounts are applied.

When to drop full coverage

There is no written rule that works best for making the decision to drop full coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is 10% or more of the settlement you would receive from your company, then you might consider buying liability only.

For example, let's pretend your Ford Escape claim settlement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company will settle for is $7,000 after paying your deductible. If you are paying over $700 annually for full coverage, then you might consider buying liability only.

There are a few cases where removing full coverage is not a good plan. If you still owe a portion of the original loan, you have to maintain full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not eliminate full coverage.

Choosing deductibles

The diagram below highlights how deductible selection and can influence Ford Escape premium costs for different age groups. The premiums are based on a single female driver, full coverage, and no discounts are applied.

Physical damage deductible comparison

One of the most common car insurance questions is at what level do you set your deductibles. The rates below highlight the premium difference when you choose different physical damage coverage deductibles. The first set of prices uses a $250 deductible and the second data table uses a $500 deductible.

Ford Escape insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $228 $360 $286 $16 $86 $1,001 $83
Escape XLS 4WD $228 $360 $286 $16 $86 $1,001 $83
Escape XLT 2WD $228 $360 $286 $16 $86 $1,001 $83
Escape Limited 2WD $260 $360 $286 $16 $86 $1,033 $86
Escape XLT 4WD $260 $360 $286 $16 $86 $1,033 $86
Escape Limited 4WD $260 $440 $286 $16 $86 $1,113 $93
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Ford Escape insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $184 $292 $286 $16 $86 $864 $72
Escape XLS 4WD $184 $292 $286 $16 $86 $864 $72
Escape XLT 2WD $184 $292 $286 $16 $86 $864 $72
Escape Limited 2WD $212 $292 $286 $16 $86 $892 $74
Escape XLT 4WD $212 $292 $286 $16 $86 $892 $74
Escape Limited 4WD $212 $354 $286 $16 $86 $954 $80
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Alabama minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Price estimates do not factor in your specific Birmingham location which can modify price quotes noticeably.

Based on the above data, using a $250 deductible will cost you approximately $12 more each month or $144 each year than choosing the higher $500 deductible. Since you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you have more than 21 months between claim filings, you would save money if you choose the higher deductible. The table below shows how this calculation is made.

Average monthly premium for $250 deductibles: $86
Average monthly premium for $500 deductibles (subtract): - $74
Monthly savings from raising deductible: $12
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $12
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

Cheap Birmingham car insurance rates with discounts

Insurance can be prohibitively expensive, but there's a good chance there are discounts to help bring down the price. Some of these discounts will be visible when you get a quote, but a few need to be requested specifically before being credited.Cheaper car insurance with discounts

Keep in mind that most credits do not apply to the entire policy premium. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. If you do the math and it seems like you would end up receiving a 100% discount, it's just not the way it works.

Popular car insurance companies and the discounts they provide are included below.

When getting a coverage quote, ask each insurance company which discounts they offer. Some credits might not be offered on policies in your area.

When should I talk to an agent?

Many drivers would rather sit down and talk to an agent and that is not a bad decision Professional agents are trained to spot inefficiencies and help file insurance claims. A good thing about comparing insurance prices online is that drivers can save money and get better rates but also keep your business local. Buying from local insurance agencies is important especially in Birmingham.

Insurance agents in BirminghamOnce you complete this simple form, your information is instantly submitted to companies in Birmingham who will give you bids for your insurance coverage. There is no reason to search for an agent since rate quotes are delivered immediately to you. If for some reason you want to compare rates from a specific insurance provider, you would need to find their quoting web page and fill out the quote form the provide.

When narrowing the list to find a good Birmingham insurance agent, it's important to understand the types of insurance agents and how they can quote your rates. Insurance agents in Birmingham are considered either independent agents or exclusive agents depending on their employer. Either one can do a good job, but it's worth learning the difference between them since it could factor into buying decisions.

Independent Agencies or Brokers

These agents do not have single company limitations and that enables them to quote your coverage through many different insurance companies enabling the ability to shop coverage around. If they quote lower rates, your policy is moved internally and you don't have to do anything.

When comparing insurance rates, we recommend you get quotes from independent agents to have the most options to choose from.

Featured below is a short list of independent insurance agencies in Birmingham that may be able to give cheap rate quotes.

625 38th St S - Birmingham, AL 35222 - (205) 324-0406 - View Map

2 20th St N #820 - Birmingham, AL 35203 - (205) 252-1104 - View Map

Alabama Insurance Agency, Inc.
1100 Corporate Dr Suite 100 - Birmingham, AL 35242 - (205) 397-2462 - View Map

More insurance agents

Exclusive Insurance Agents

These agents have only one company to place business with such as State Farm, AAA, and Liberty Mutual. Exclusive agents cannot compare other company's rates so they really need to provide good service. They are well schooled on their products and sales techniques which helps them compete with independent agents.

Below is a list of exclusive insurance agencies in Birmingham who can help you get comparison quotes.

2830 Crestwood Blvd - Birmingham, AL 35210 - (205) 956-3276 - View Map

1807 11th Ave S - Birmingham, AL 35205 - (205) 933-5200 - View Map

Robert Hodges - State Farm Insurance Agent
9721 Pkwy East, Ste D - Birmingham, AL 35215 - (205) 836-7234 - View Map

More insurance agents

Finding a good insurance agency should depend on more than just a cheap price. Ask your prospective agent these questions:

Parts of your auto insurance policy

Knowing the specifics of auto insurance can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are the usual coverages found on most auto insurance policies.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and also any damage incurred to your Ford Escape.

Since many Alabama drivers only purchase the least amount of liability that is required (Alabama limits are 25/50/25), their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually the UM/UIM limits are identical to your policy's liability coverage.

Collision insurance

Collision coverage will pay to fix damage to your Escape from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as crashing into a building, rolling your car, backing into a parked car, scraping a guard rail and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to increase the deductible on your Escape to save money on collision insurance.

Comprehensive coverages

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like fire damage, rock chips in glass and hitting a bird. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it's not worth carrying full coverage.

Liability car insurance

This coverage will cover damages or injuries you inflict on a person or their property that is your fault. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims such as pain and suffering, repair bills for other people's vehicles, bail bonds, medical services and funeral expenses. How much liability coverage do you need? That is your choice, but it's cheap coverage so purchase as large an amount as possible. Alabama requires minimum liability limits of 25/50/25 but it's recommended drivers buy more coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses for chiropractic care, rehabilitation expenses, X-ray expenses and hospital visits. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Don't give up on cheap coverage

Some companies may not have online price quotes and these small, regional companies provide coverage only through independent insurance agencies. More affordable auto insurance in Birmingham is attainable both online as well as from insurance agents, and you need to comparison shop both in order to have the best chance of saving money.

We've covered many ways to reduce Ford Escape insurance rates online in Birmingham. The key concept to understand is the more companies you get car insurance rates for, the better likelihood of getting cheaper Birmingham car insurance quotes. Consumers could even find that the biggest savings come from a smaller regional carrier. Some small companies may only write in your state and offer lower car insurance rates compared to the large companies like Allstate, GEICO and Progressive.

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