Compare Ford Escape Insurance Quotes in Cleveland

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Are you looking for more competitive Ford Escape insurance in Cleveland? High-priced Ford Escape insurance in Cleveland can dry up your budget and possibly require postponing other expenditures. Comparing price quotes is recommended to make sure you're not throwing money away.

Discount Ford Escape insuranceIt's safe to assume that auto insurance companies don't want you quoting rates from other companies. Consumers who get comparison quotes once a year will, in all likelihood, buy a new policy because of the good chance of finding coverage at a cheaper rate. A recent study showed that people who compared rates regularly saved over $3,450 over four years compared to drivers who never shopped around.

If finding the best price on Ford Escape insurance in Cleveland is your intention, then having some knowledge of how to compare insurance coverage can save money and time.

Steps to saving money on Ford Escape insurance in Cleveland

The best way we recommend to get low-cost Ford Escape insurance is to start comparing prices regularly from different companies in Cleveland. You can compare rates by following these steps.

  1. Get a basic knowledge of how auto insurance works and the steps you can take to prevent high rates. Many risk factors that cause high rates such as accidents, careless driving, and poor credit can be amended by making minor changes in your lifestyle. This article gives more ideas to help keep rates affordable and find overlooked discounts.
  2. Compare price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can give quotes from one company like GEICO or State Farm, while agents who are independent can provide rate quotes for a wide range of companies.
  3. Compare the new quotes to your existing policy and determine if cheaper Escape coverage is available in Cleveland. If you can save money, verify that coverage does not lapse between policies.
  4. Provide written notification to your current company to cancel your current car insurance policy and submit any necessary down payment along with the completed application for the new coverage. Once the paperwork is finalized, put the proof of insurance certificate in an accessible location in your vehicle.

The key aspect of shopping around is to try to use similar coverage information on each quote request and and to get price estimates from as many carriers as you can. Doing this ensures a fair rate comparison and a complete price analysis.

You have multiple insurance companies to purchase coverage from, and although it's nice to have multiple companies, lots of choices makes it harder to find a good deal for Ford Escape insurance in Cleveland.

Companies offering Ford Escape insurance in Ohio

The car insurance companies shown below offer price quotes in Ohio. To buy the best cheap auto insurance in Cleveland, it's highly recommended you visit two to three different companies to get a more complete price comparison.

Detailed insurance information

The rate information below highlights detailed analysis of insurance policy prices for Ford Escape models. Understanding more about how policy rates are determined can help drivers make informed decisions when shopping around for a new policy.

Ford Escape Insurance Rates in Cleveland, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $82 $150 $218 $12 $66 $528 $44
Escape XLS 4WD $82 $150 $218 $12 $66 $528 $44
Escape XLT 2WD $82 $150 $218 $12 $66 $528 $44
Escape Limited 2WD $94 $150 $218 $12 $66 $540 $45
Escape XLT 4WD $94 $150 $218 $12 $66 $540 $45
Escape Limited 4WD $94 $182 $218 $12 $66 $572 $48
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Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Rate quotes do not factor in vehicle garaging location which can revise premiums greatly.

Where to set your deductibles

When buying car insurance, a common question is the level to set your comp and collision deductibles. The data tables below can help you understand the rate fluctuation between low and high physical damage coverage deductibles. The first data set uses a $250 physical damage coverage deductible and the second set of rates uses a $1,000 deductible.

Ford Escape insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $152 $242 $192 $12 $58 $681 $57
Escape XLS 4WD $152 $242 $192 $12 $58 $681 $57
Escape XLT 2WD $152 $242 $192 $12 $58 $681 $57
Escape Limited 2WD $176 $242 $192 $12 $58 $705 $59
Escape XLT 4WD $176 $242 $192 $12 $58 $705 $59
Escape Limited 4WD $176 $296 $192 $12 $58 $759 $63
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Ford Escape insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $94 $152 $192 $12 $58 $508 $42
Escape XLS 4WD $94 $152 $192 $12 $58 $508 $42
Escape XLT 2WD $94 $152 $192 $12 $58 $508 $42
Escape Limited 2WD $108 $152 $192 $12 $58 $522 $44
Escape XLT 4WD $108 $152 $192 $12 $58 $522 $44
Escape Limited 4WD $108 $186 $192 $12 $58 $556 $46
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Rate information does not factor in specific zip code location which can modify rates substantially.

We can estimate from the data above that using a $250 deductible will cost in the ballpark of $16 more each month or $192 for a full year than selecting the higher $1,000 deductible. Since you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at least 47 months between claim filings, you would come out ahead if you opt for a higher deductible.

The example below demonstrates how deductibles and can influence Ford Escape annual premium costs for each age group. The premiums assume a married male driver, full coverage, and no discounts are taken into consideration.

Safe drivers pay cheaper rates

The example below highlights how traffic violations and at-fault fender-benders can increase Ford Escape yearly insurance costs for different age groups of insureds. The rates are based on a married female driver, comp and collision included, $500 deductibles, and no discounts are applied.

Lower Your Cleveland Insurance Costs

A large part of saving on auto insurance is knowing a few of the rating criteria that help calculate your auto insurance rates. If you know what influences your rates, this allows you to make educated decisions that could help you find better auto insurance rates.

The items below are some of the most common factors that factor into your rate level.

  • Buy a safe car and pay less - Cars with five star safety ratings tend to have better insurance rates. These vehicles help reduce the chance of injuries in an accident and fewer injuries translates into fewer and smaller insurance claims and lower rates for you. If your Ford Escape scored better than four stars on Safercar.gov or an "acceptable" rating on iihs.org it is probably cheaper to insure.
  • Are you male or female? - The statistics show that men are more aggressive behind the wheel. However, don't assume that women are BETTER drivers than men. Women and men have accidents in similar numbers, but the men cause more damage and cost insurance companies more money. They also get higher numbers of serious violations like DWI (DUI) or reckless driving. Male drivers age 16 to 19 tend to get in the most accidents and are penalized with high auto insurance rates.

    The chart below illustrates the difference between Ford Escape car insurance rates for male and female drivers. The prices are based on no accidents or driving violations, full physical damage coverage, $500 deductibles, single status, and no policy discounts are applied.

  • More traffic means higher claims - Having an address in a rural area is a positive aspect when it comes to auto insurance. Residents of big cities tend to have more traffic problems and a longer drive to work. Less people living in that area corresponds to lower accident rates and a lower car theft rate.
  • Drive fewer miles and save - The higher the miles on your Ford in a year the more it will cost to insure it. Almost all companies calculate rates based upon how you use the vehicle. Vehicles that do not get driven very much receive lower rates than vehicles that have high annual mileage. Ask your agent if your declarations sheet properly reflects the proper vehicle usage. An incorrectly rated Escape may be costing you.
  • Prevent policy lapses - Allowing your coverage to lapse is a quick way to increase your rates. And not only will your rates increase, the inability to provide proof of insurance will get you a license revocation or jail time. Then you may be required to file a SR-22 with the Ohio department of motor vehicles.
  • Increase deductibles and save - Physical damage deductibles are how much you are required to pay before a claim is paid by your company. Physical damage insurance, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some examples of claims that would be covered could be collision with another vehicle, collision with a deer, and having a roll-over accident. The more expense you pay before a claim is paid (deductible), the lower your rates will be.
  • Insurance loss data for a Ford Escape - Auto insurance companies use past insurance losses to help determine costs. Vehicles that are shown to have a trend towards higher claims will cost more for specific coverages.

    The next table shows the loss history for Ford Escape vehicles. For each coverage type, the statistical loss for all vehicles, as an average, is represented as 100. Numbers under 100 suggest a better than average loss history, while numbers shown that are more than 100 indicate more frequent losses or a tendency for losses to be larger than average.

    Ford Escape Insurance Loss Statistics
    Make and 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
    BETTER
    AVERAGE
    WORSE

    Statistics from IIHS.org for 2013-2015 Model Years

Save money by taking advantage of discounts

Companies don't always publicize every possible discount very well, so the following list contains some of the more common as well as some of the hidden credits available to lower your premiums when you buy Cleveland auto insurance online. If you do not check that you are getting every discount you deserve, it's possible you qualify for a lower rate.Save money with discounts

  • Government Employee Discount - Active or former government employment may reduce rates when you quote Cleveland auto insurance with a few car insurance companies.
  • Save with a New Car - Buying a new car instead of a used Escape can save up to 30% because new model year vehicles are generally safer.
  • Theft Deterrent - Vehicles equipped with tracking devices and advanced anti-theft systems are stolen less frequently and that can save you a little bit as well.
  • Distant Student - Older children who attend college more than 100 miles from Cleveland and do not have access to a covered vehicle may be able to be covered for less.
  • Save over 55 - Drivers that qualify as senior citizens may be able to get a discount up to 10%.
  • Drive Safe and Save - Accident-free drivers can save up to 40% or more on their Cleveland auto insurance quote compared to accident prone drivers.
  • Lower Rates for Military - Being on active deployment in the military may lower your rates slightly.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the whole policy. A few only apply to specific coverage prices like comp or med pay. So when the math indicates it's possible to get free car insurance, insurance companies wouldn't stay in business.

The illustration below visualizes the comparison of Ford Escape auto insurance costs with and without some available policy discounts. Data assumes a male driver, no tickets, no at-fault accidents, Ohio state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, homeowner, marriage, claim-free, and multi-policy discounts applied.

Car insurance companies that possibly offer these discounts include:

It's a good idea to ask every insurance company which discounts you qualify for. Some credits may not be available in Cleveland. To view providers that offer the discounts shown above in Cleveland, click here to view.

Buying car insurance from Cleveland auto insurance agents

Some people would prefer to go talk to an agent and that is recommended in a lot of cases Most agents can help you build your policy and help submit paperwork. One of the great benefits of getting online price quotes is you can get cheap car insurance rates and still choose a local agent.

Find insurance agent in ClevelandOnce you complete this short form, your coverage information is submitted to insurance agents in Cleveland that can provide free Cleveland auto insurance quotes for your car insurance coverage. You won't need to visit any agencies due to the fact that quote results will go directly to you. If you need to compare prices from one company in particular, you would need to search and find their rate quote page and submit a quote form there.

Picking an insurance company is decision based upon more than just a cheap price quote. Any good agent in Cleveland should know the answers to these questions.

  • Do they have a Better Business Bureau rating in Cleveland?
  • Is their price quote a firm figure or are their hidden costs?
  • When do they do policy reviews?
  • Will the agent help in case of a claim?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?
  • Are they giving you every discount you deserve?
  • Will they make sure you get an adequate claim settlement?

The following is a short list of insurers in Cleveland that may be able to provide price quotes for Ford Escape insurance in Cleveland.


16812 Chagrin Blvd - Shaker Heights, OH 44120 - (216) 283-0080 - View Map

Abc Auto Insurance Agency Inc.
1970 E 55th St - Cleveland, OH 44103 - (216) 881-2600 - View Map


2491 Lee Blvd - Cleveland Heights, OH 44118 - (216) 932-6900 - View Map


10535 St Clair Ave - Cleveland, OH 44108 - (216) 761-1500 - View Map

More insurance agents

Ohio auto insurance companies ranked

Insuring your vehicle with the highest-rated insurer can be a challenge considering how many companies are available to choose from in Cleveland. The information shown next may help you decide which car insurance companies you want to consider when comparing rate quotes.

Best Auto Insurance Companies in Ohio
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Titan Insurance 89 91 83 86% A+ 89.3
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Erie Insurance 92 90 82 88% A+ 88.5
Mercury Insurance 87 95 87 84% A+ 88.3
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
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Data Source: Insure.com Best Car Insurance Companies

Persistence is the key to affordable rates

When searching for cheaper Cleveland auto insurance quotes, it's a bad idea to reduce needed coverages to save money. There are many occasions where drivers have reduced collision coverage only to find out that their decision to reduce coverage ended up costing them more. The proper strategy is to buy enough coverage at a price you can afford and still be able to protect your assets.

In this article, we covered a lot of techniques to get a better price on Ford Escape insurance in Cleveland. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even discover the lowest prices are with some of the smallest insurance companies. Smaller companies may only write in your state and offer lower rates than their larger competitors like State Farm and Allstate.

Steps to finding low-cost rates for Ford Escape insurance in Cleveland

The recommended way to get low-cost auto insurance rates is to annually compare prices from companies that insure vehicles in Cleveland. Drivers can shop around by following these steps.

  • Step 1: Try to learn about how insurance companies determine prices and the measures you can take to keep rates down. Many things that result in higher prices like at-fault accidents and a less-than-favorable credit rating can be amended by making minor driving habit or lifestyle changes.
  • Step 2: Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from one company like GEICO and State Farm, while independent agents can give you price quotes for a wide range of companies.
  • Step 3: Compare the quotes to the price on your current policy to see if switching to a new carrier will save money. If you can save some money, make sure the effective date of the new policy is the same as the expiration date of the old one.

An important bit of advice to remember is that you'll want to compare identical coverages on each quote and and to get rates from as many companies as feasibly possible. Doing this enables a level playing field and a complete rate analysis.

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