Discount Ford Escape insuranceAre you at wits end from sacrificing other expenses to pay high auto insurance rates every month? Your situation is no different than most other consumers in Nevada.

A recent survey discovered that most auto insurance policyholders in Nevada have purchased from the same company for more than four years, and nearly 40% of drivers have never compared rates from other carriers. Many drivers in the United States can save $850 each year by just comparing quotes, but they don't believe the big savings they would realize if they moved their coverage to a different company.

Since consumers have many companies and agents to choose from, it can be hard to choose the lowest cost auto insurance company.

Consumers should take time to do price comparisons quite often since rates are adjusted regularly by insurance companies. Just because you had the lowest rate on Ford Escape insurance in Henderson a year ago other companies may now be cheaper. Block out anything you think you know about auto insurance because we're going to show you one of the quickest ways to save on auto insurance.

This article's goal is to introduce you to the best methods to compare rates. If you have a current car insurance policy, you will most likely be able to save money using the following tips. But Nevada car owners must comprehend how insurance companies market on the web and use it to find better rates.

The quickest method to get policy rate comparisons for Ford Escape insurance in Henderson is to understand auto insurance companies have advanced systems to provide you with free rate quotes. All you need to do is provide information including driver details, if it has an anti-theft system, the type of vehicles you drive, and your education level. The data is automatically sent to all major companies and you receive quotes very quickly.

If you would like to start a quote now, click here and enter your zip code.

The car insurance companies shown below can provide quotes in Nevada. If multiple companies are listed, it's a good idea that you compare several of them to find the most affordable car insurance rates.

Ford Escape Insurance Cost Estimates in Henderson, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $98 $172 $246 $14 $74 $604 $50
Escape XLS 4WD $178 $340 $296 $18 $88 $920 $77
Escape XLT 2WD $264 $394 $344 $20 $102 $1,124 $94
Escape Limited 2WD $272 $330 $344 $20 $102 $1,068 $89
Escape XLT 4WD $228 $386 $276 $16 $82 $988 $82
Escape Limited 4WD $204 $394 $276 $16 $82 $972 $81
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Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Rate quotes do not factor in Henderson location which can influence coverage prices significantly.

Should you raise deductibles?

When buying auto insurance, a common question is how low should you set your deductibles. The following insurance rates summarize the costs and benefits when you choose different physical damage deductibles. The first rate comparisons uses a $250 physical damage deductible and the second set of prices 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 $208 $330 $262 $16 $78 $919 $77
Escape XLS 4WD $208 $330 $262 $16 $78 $919 $77
Escape XLT 2WD $208 $330 $262 $16 $78 $919 $77
Escape Limited 2WD $238 $330 $262 $16 $78 $949 $79
Escape XLT 4WD $238 $330 $262 $16 $78 $949 $79
Escape Limited 4WD $238 $402 $262 $16 $78 $1,021 $85
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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 $128 $208 $262 $16 $78 $692 $58
Escape XLS 4WD $128 $208 $262 $16 $78 $692 $58
Escape XLT 2WD $128 $208 $262 $16 $78 $692 $58
Escape Limited 2WD $148 $208 $262 $16 $78 $712 $59
Escape XLT 4WD $148 $208 $262 $16 $78 $712 $59
Escape Limited 4WD $148 $252 $262 $16 $78 $756 $63
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Price information does not factor in garaging location in Henderson which can affect coverage prices noticeably.

We can estimate from the data above that using a $250 deductible will cost you roughly $20 more each month or $240 a year than buying the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at least 38 months between claim filings, you would come out ahead if you choose a higher deductible. The table below illustrates a better example of how this calculation is made.

Average monthly premium for $250 deductibles: $79
Average monthly premium for $1,000 deductibles (subtract): - $59
Monthly savings from raising deductible: $20
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $20
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 38 months

An important sidenote is that increasing deductibles to lower your rates means you will have to pay more when you file a claim. You will want to have enough disposable income in the event you need to pay more to get your vehicle repaired.

Insurance is not optional in Nevada

Even though Henderson Escape insurance rates can get expensive, insurance may be mandatory for several reasons.

The benefits of insuring your Escape outweigh the cost, especially if you ever need it. But the average driver in Nevada is overpaying over $810 a year so you should quote and compare rates at every policy renewal to save money.

Five Things That Influence Your Insurance Prices

Consumers need to have an understanding of some of the elements that help determine the rates you pay for auto insurance. If you know what determines premiums, this allows you to make good choices that may reward you with lower auto insurance prices. Many different elements are used in the calculation when quoting car insurance. Some are obvious like a motor vehicle report, but others are less apparent such as your marital status or how safe your car is.

Score discounts on Henderson insurance

Some companies do not advertise every disount available in a way that's easy to find, so we researched both well-publicized and also the more inconspicuous savings tricks you should be using when you buy Henderson auto insurance online.Discount insurance

A quick disclaimer, many deductions do not apply to the overall cost of the policy. Most only cut specific coverage prices like collision or personal injury protection. So even though it sounds like it's possible to get free car insurance, that's just not realistic.

Companies and the discounts they provide can be read below.

Before you buy a policy, ask every insurance company which discounts can lower your rates. Depending on the company, some discounts may not apply to policies in Henderson. To find providers with the best Ford Escape insurance discounts in Nevada, click here to view.

Car insurance agents can help

Many drivers just want to talk to a local agent and that can be a smart move One of the great benefits of comparing rates online is that you can obtain lower rates but also keep your business local. Buying insurance from local agents is important particularly in Henderson.

Henderson insurance agentsUpon completion of this form (opens in new window), the quote information gets sent to insurance agents in Henderson that give free quotes for your coverage. It simplifies rate comparisons since you won't have to find an agent due to the fact that quote results will go to the email address you provide. You can find the lowest rates without a big time investment. In the event you want to compare rates from a specific insurance company, feel free to go to their quote page and fill out the quote form the provide.

Choose the right auto insurance agent

If you want to use a reliable agent, there are two different types of agencies and how they function. Agencies in Henderson are either exclusive or independent agents depending on their company appointments.

Independent Agents

Agents of this type are not employed by one company so they can insure your vehicles with any number of different companies and possibly get better coverage at lower prices. If premiums increase, the business is moved internally which requires no work on your part. When comparing rate quotes, you will want to get insurance quotes from several independent insurance agents to have the best price comparison.

Shown below is a list of independent agents in Henderson who can help you get rate quotes.

170 S Green Valley Pkwy #300 - Henderson, NV 89012 - (702) 522-0730 - View Map

3481 E Sunset Rd #100 - Las Vegas, NV 89120 - (702) 220-8640 - View Map

1368 Paseo Verde Pkwy #200a - Henderson, NV 89012 - (702) 368-4040 - View Map

View more Henderson agents

Exclusive Agents

These type of agents can only provide one company's prices such as State Farm, Allstate, and Farm Bureau. They generally cannot provide prices from multiple companies so keep that in mind. These agents are usually well trained on sales techniques which can be an advantage.

Shown below are exclusive insurance agencies in Henderson who can help you get price quotes.

2986 St Rose Pkwy #150 - Henderson, NV 89052 - (702) 489-9999 - View Map

180 S Stephanie St #120 - Henderson, NV 89012 - (702) 435-6716 - View Map

2520 St Rose Pkwy #103 - Henderson, NV 89074 - (702) 479-1570 - View Map

View more Henderson agents

Finding the right car insurance agent needs to be determined by more than just a low price. These are some valid questions you should ask.

The best insurance company isn't always the cheapest

We just covered a lot of information how to shop for Ford Escape insurance online. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your rates. You may even discover the best prices are with some of the lesser-known companies. These smaller insurers can often provide lower rates in certain areas than their larger competitors like Progressive or GEICO.

The cheapest Ford Escape insurance in Henderson is available online in addition to local insurance agencies, and you should compare rates from both to have the best selection. Some companies may not have online rate quotes and many times these smaller providers sell through local independent agencies.

As you shop your coverage around, never sacrifice coverage to reduce premiums. Too many times, consumers will sacrifice comprehensive coverage or liability limits and learned later that the small savings ended up costing them much more. Your aim should be to buy the best coverage you can find at the lowest possible cost but still have enough coverage for asset protection.

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