It takes a few minutes, but the best way to find lower priced car insurance rates is to start comparing prices regularly from insurance carriers that insure vehicles in Boston. Price quotes can be compared by following these guidelines.
- Gain an understanding of how auto insurance works and the changes you can make to prevent rate increases. Many factors that cause rate increases such as tickets, at-fault accidents, and poor credit rating can be rectified by making minor changes in your lifestyle.
- Get rate quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only quote rates from a single company like GEICO and Allstate, while agents who are independent can provide price quotes from many different companies.
- Compare the new rate quotes to your existing coverage and determine if there is any savings. If you find better rates and change companies, verify that coverage does not lapse between policies.
- Notify your current company of your intention to cancel your current coverage and submit any necessary down payment along with the completed application to your new company or agent. Immediately upon receiving it, store the certificate verifying coverage with your registration paperwork.
An important part of this process is that you’ll want to compare the same liability limits and deductibles on every quote request and and to compare as many auto insurance providers as possible. Doing this helps ensure an apples-to-apples comparison and maximum price selection.
It’s amazing but a large majority of consumers kept their coverage with the same car insurance company for at least the last four years, and approximately 38% of consumers have never quoted rates to find lower-cost coverage. American consumers can save approximately 47% each year by just shopping around, but most undervalue the large savings they would see if they switch to a new company.
Most larger insurance companies like State Farm, GEICO and Progressive allow you to get coverage price quotes on their websites. Obtaining pricing for Ford Escape insurance in Boston is easy for anyone because you just enter your required coverages on the page. Upon sending the form, the quote system makes automated requests for your driving and credit reports and provides a quote based on these and other factors.
Getting online quotes for Ford Escape insurance in Boston simplifies rate comparisons, and it is important to perform this step if you want to find the lowest payment on auto insurance.
In order to find out what other companies charge, compare rates from the companies below. To compare your current rates, we recommend that you enter coverages and limits as close as possible to your current policy. Doing this assures you will have rate quotes for the exact same coverage.
The companies shown below provide comparison quotes in Boston, MA. If you wish to find cheap auto insurance in Boston, we suggest you click on several of them in order to find the cheapest rates.
These discounts can lower Ford Escape insurance rates
Companies offering auto insurance don’t necessarily list every discount in an easy-to-find place, so we researched a few of the more common and also the lesser-known discounts that may be available.
- Multi-car Discount – Buying a policy with multiple cars with the same car insurance company can reduce rates for all insured vehicles.
- Accident Forgiveness Coverage – This isn’t a discount exactly, but certain companies will turn a blind eye to one accident before raising your premiums as long as you don’t have any claims prior to being involved in the accident.
- Senior Citizens – Seniors may be able to get reduced rates.
- Discount for Swiching Early – A few insurance companies give discounts for switching to them prior to your current Escape insurance policy expiration. The savings is around 10%.
- Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education as it can save substantially.
- Telematics Devices – People who choose to allow their insurance company to monitor where and when they drive by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm could save a few bucks as long as they are good drivers.
- Student Discounts – Getting good grades can earn a discount of 20% or more. This discount can apply until age 25.
- Discounts for Seat Belt Usage – Drivers who require all occupants to fasten their seat belts can save a little off the PIP or medical payment premium.
One thing to note about discounts is that most discount credits are not given to all coverage premiums. Most only cut the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears you would end up receiving a 100% discount, that’s just not realistic.
The chart below visualizes the comparison of Ford Escape insurance costs with and without discounts applied to the policy rates. The costs are based on a female driver, no tickets, no at-fault accidents, Massachusetts state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, claim-free, homeowner, marriage, and safe-driver discounts applied.
To see a list of companies that provide some of the discounts listed above in Boston, click this link.
Rates and information analytics
The premium information displayed next covers different insurance premium costs for Ford Escape models. Being aware of how car insurance premiums are determined can benefit drivers when making smart choices when buying a car insurance policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Escape XLS 2WD||$120||$232||$322||$18||$96||$788||$66|
|Escape XLS 4WD||$120||$232||$322||$18||$96||$788||$66|
|Escape XLT 2WD||$120||$232||$322||$18||$96||$788||$66|
|Escape Limited 2WD||$138||$232||$322||$18||$96||$806||$67|
|Escape XLT 4WD||$138||$232||$322||$18||$96||$806||$67|
|Escape Limited 4WD||$138||$282||$322||$18||$96||$856||$71|
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Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Rate information does not factor in Boston location which can raise or lower premium rates noticeably.
The diagram below shows how choosing a deductible and can affect Ford Escape insurance rates for different categories of driver ages. The rates are based on a single male driver, full coverage, and no discounts are applied to the premium.
Driving violations and accidents
The illustration below demonstrates how traffic citations and fender-benders raise Ford Escape insurance rates for different age groups. The data assumes a married male driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.
Full coverage rates compared to liability-only
The illustration below shows the comparison of Ford Escape yearly insurance costs with and without full coverage. The costs are based on no violations or accidents, $500 deductibles, single status, and no discounts are factored in.
When to buy liability coverage only
There is no exact rule that is best for determining when to drop comprehensive and collision coverage on your policy, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than about 10% of any settlement you would receive from your insurance company, then it’s probably a good time to buy liability coverage only.
For example, let’s pretend your Ford Escape claim settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would receive is $4,000 after the deductible is paid. If premium cost is more than $400 a year for full coverage, then it may be the right time to buy liability only.
There are some conditions where eliminating full coverage is not recommended. If you have an outstanding loan on your vehicle, you have to keep full coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should keep full coverage on your policy.
Boston auto insurance companies ranked
Finding the top auto insurance provider can be challenging considering how many choices you have in Massachusetts. The ranking data shown below may help you pick which coverage providers you want to consider comparing rates with.
Top 10 Boston Car Insurance Companies Overall
- The General
- Mercury Insurance
- Titan Insurance
- The Hartford
- State Farm
- Farmers Insurance
- Safeco Insurance
Ford Escape Insurance Rate Factors
It’s important that you understand a few of the rating criteria that play a part in calculating auto insurance rates. If you know what positively or negatively impacts your premiums, this helps enable you to make changes that can earn you much lower annual insurance costs. Many different elements are part of the equation when quoting car insurance. Some are pretty understandable like an MVR report, but some are less obvious such as your marital status or how safe your car is.
The list below includes some of the most rate-impacting factors used by your company to calculate your rates.
Gender as a rate factor – Statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that women are better drivers. Men and women cause accidents at about the same rate, but the men have accidents that have higher claims. Not only are claims higher, but men receive more major tickets such as DWI and reckless driving. Youthful male drivers tend to get in the most accidents so they pay the highest premiums.
The information below visualizes the comparison of Ford Escape insurance costs for male and female drivers. The premium estimates are based on no accidents, no driving violations, full physical damage coverage, $250 deductibles, marital status is single, and no discounts are applied to the premium.
Rates can be impacted by your vocation – Did you know your career choice can influence rates? Careers like doctors, police officers, and dentists tend to have higher rates than average because of intense work situations and lots of time spent at work. Other careers like actors, historians and homemakers pay the least.
Combine home and auto and save – Most larger auto insurance companies provide better rates to people that buy multiple policies, otherwise known as a multi-policy discount. Even though this discount sounds good, consumers should still get quotes from other companies to make sure you are getting the best deal.
Deter theft and lower rates – Choosing to buy a car that has an advanced theft prevention system can help lower your rates. Theft deterrent systems such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent car theft.
Defend yourself with liability coverage – The liability section of your policy is the coverage that protects you if ever a court rules you are at fault for damages from an accident. Liability provides for a legal defense to defend your case. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so drivers should carry high limits.
Decrease prices by maintaining coverage – Having a gap between insurance policy dates is a guaranteed way to increase your renewal premiums. Not only will you pay more, being ticketed for driving with no insurance might get you a hefty fine and possibly a revoked license. You could then be forced to prove you have insurance by filing a SR-22 with the Massachusetts motor vehicle department.
Insurance losses for a Ford Escape – Insurers analyze past claim statistics to help determine rates. Models that the data shows to have higher number or severity of losses will cost more for specific coverages.
The next table shows the collected loss data for Ford Escape vehicles. For each type of coverage, the claim probability for all vehicles as a whole is considered to be 100. Percentage values below 100 are indicative of better than average losses, while numbers that are greater than 100 indicate a higher chance of having a claim or statistically larger losses.
|Vehicle 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|
Statistics from IIHS.org for 2013-2015 Model Years