Ford Escape Insurance Rate Quotes in Tulsa

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A recent survey discovered that most insurance buyers in Oklahoma have been with the same company for more than four years, and nearly the majority have never quoted rates to find affordable coverage. American drivers could save an average of approximately $859 each year by just shopping around, but they underestimate how much they could save if they switched.

Insurance for Ford EscapeReally, the only way to find more affordable car insurance rates is to compare prices regularly from insurers who sell auto insurance in Tulsa. You can compare rates by following these guidelines.

First, take a few minutes and learn about how car insurance works and the modifications you can make to prevent rate increases. Many risk factors that result in higher prices like at-fault accidents and poor credit rating can be remedied by paying attention to minor details. Keep reading for instructions to get better rates and find overlooked discounts.

Second, obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can give quotes from one company like Progressive or Allstate, while independent agencies can provide prices for a wide range of insurance providers.

Third, compare the price quotes to your current policy and determine if cheaper Escape coverage is available. If you find a lower rate and make a switch, make sure coverage is continuous and does not lapse.

Fourth, notify your current company of your intent to cancel your current policy and submit a down payment along with a signed application to the new company. Immediately upon receiving it, keep your new certificate verifying proof of insurance along with your vehicle registration.

A valuable tip to remember is that you use the same physical damage deductibles and liability limits on every quote request and and to get price quotes from as many auto insurance providers as possible. Doing this provides a fair price comparison and a thorough selection of prices.

Locating the best rates in Tulsa can be made easier if you know where to look. If you already have coverage, you stand a good chance to be able to find better prices using the techniques covered below. But Oklahoma consumers must know how insurance companies compete online because it varies considerably.

Low cost Ford Escape insurance prices in Tulsa, OK

All the larger car insurance companies give prices on the web. The process is pretty painless as you simply enter the amount of coverage you want as requested by the quote form. Behind the scenes, the company's rating system will order your credit score and driving record and quotes a price determined by many factors.

Getting online rate quotes for Ford Escape insurance in Tulsa makes it easy to compare insurance prices and it is important to get many rate quotes if you want to get cheaper car insurance pricing.

If you want to fill out one form to compare multiple rates now, take a look at the companies shown below. If you have your current policy handy, we recommend that you enter coverages and limits identical to your current policy. Doing this guarantees you will have a fair comparison using the same coverage and limits.

The companies in the list below are ready to provide price quotes in Oklahoma. If multiple companies are listed, we recommend you visit two to three different companies in order to find the lowest rates.

You may qualify for discounts for Ford Escape insurance in Tulsa

Car insurance companies don't necessarily list all discounts in a way that's easy to find, so we break down some of the more common and also the more inconspicuous discounts that you may qualify for. If you are not receiving all the discounts possible, you're just leaving money on the table.Cheaper insurance with discounts

  • Lower Rates for Military - Being deployed in the military may qualify for rate reductions.
  • New Vehicle Savings - Buying coverage on a new vehicle can save up to 30% since new model year vehicles are generally safer.
  • Home Ownership Discount - Owning your own home or condo may trigger a policy discount on insurance because owning a home means you have a higher level of financial diligence.
  • Employee of Federal Government - Employees or retirees of the government may qualify for a discount when you quote Tulsa auto insurance with certain companies.
  • Telematics Discount - Drivers that enable driving data submission to track where and when they drive by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks if they exhibit good driving behavior.
  • Multi-policy Discount - When you combine your home and auto insurance with the same insurance company they may give you a discount of up to 20% off your total Escape insurance premium.
  • ABS Braking Discount - Vehicles that have steering control and anti-lock brakes are safer to drive so you can save 10 percent or more.
  • Passive Restraint Discount - Factory air bags or automatic seat belts can qualify for discounts of 20 to 30 percent.
  • Discounts for Cautious Drivers - Accident-free drivers could pay up to 40% less than less cautious drivers.

As a disclaimer on discounts, some credits don't apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like you would end up receiving a 100% discount, insurance companies wouldn't stay in business.

The chart below shows the comparison of Ford Escape insurance premiums with and without discounts. The price estimates are based on a female driver, no accidents or driving violations, Oklahoma state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, claim-free, homeowner, multi-policy, and safe-driver discounts applied.

To see a list of insurance companies with discount rates in Tulsa, click here.

Rates and statistics

The premium table shown below highlights estimates of insurance premium costs for Ford Escape models. Learning more about how car insurance premiums are figured is important for making smart policy decisions.

Ford Escape Insurance Rates in Tulsa, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $384 $572 $500 $30 $150 $1,636 $136
Escape XLS 4WD $384 $572 $500 $30 $150 $1,636 $136
Escape XLT 2WD $384 $572 $500 $30 $150 $1,636 $136
Escape Limited 2WD $440 $572 $500 $30 $150 $1,692 $141
Escape XLT 4WD $440 $572 $500 $30 $150 $1,692 $141
Escape Limited 4WD $440 $698 $500 $30 $150 $1,818 $152
Get Your Own Custom Quote Go

Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Oklahoma minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Premium costs do not factor in specific zip code location which can lower or raise premiums substantially.

Choosing deductibles

When buying car insurance, a common question is which deductible level should you buy. The premium rates below can help you understand how much more rates are when you buy lower versus higher policy deductibles. The first rate quote example uses a $100 deductible for comp and collision and the second price grid uses a $1,000 deductible.

Ford Escape insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $336 $572 $382 $22 $114 $1,451 $121
Escape XLS 4WD $336 $572 $382 $22 $114 $1,451 $121
Escape XLT 2WD $336 $572 $382 $22 $114 $1,451 $121
Escape Limited 2WD $386 $572 $382 $22 $114 $1,501 $125
Escape XLT 4WD $386 $572 $382 $22 $114 $1,501 $125
Escape Limited 4WD $386 $698 $382 $22 $114 $1,627 $136
Get Your Own Custom Quote Go
Ford Escape insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $186 $302 $382 $22 $114 $1,006 $84
Escape XLS 4WD $186 $302 $382 $22 $114 $1,006 $84
Escape XLT 2WD $186 $302 $382 $22 $114 $1,006 $84
Escape Limited 2WD $214 $302 $382 $22 $114 $1,034 $86
Escape XLT 4WD $214 $302 $382 $22 $114 $1,034 $86
Escape Limited 4WD $214 $368 $382 $22 $114 $1,100 $92
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Rate information does not factor in the specific area where the vehicle is garaged which can affect coverage prices noticeably.

Using the data above, we can ascertain that using a $100 deductible could cost the average driver approximately $39 more each month or $468 every year averaged for all Escape models than buying the higher $1,000 deductible. Due to the fact that you would have to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have more than 23 months between claim filings, you would most likely save money if you decide on a higher deductible.

How You Can Control Ford Escape Insurance Premiums

Many things are taken into consideration when pricing auto insurance. Some are obvious like a motor vehicle report, although some other factors are more obscure such as your marital status or how safe your car is.

  • How do annual miles impact costs? - The higher the miles on your Ford every year the higher the price you pay to insure it. A lot of companies rate vehicles partially by how you use the vehicle. Vehicles used primarily for pleasure use receive lower rates compared to those used for work or business. An improperly rated Escape can cost quite a bit. It's a good idea to make sure your insurance policy properly reflects the correct usage.
  • Avoid tickets and save - Even a single moving violation could increase your next policy renewal by as much as thirty percent. Careful drivers get better rates as compared to those with violations. Drivers unfortunate enough to have dangerous tickets such as DUI or willful reckless driving may face state-mandated requirements to complete a SR-22 with their state DMV in order to continue driving.

    The chart below shows how traffic citations and at-fault accidents can impact Ford Escape insurance rates for different age categories. The rate quotes are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.

  • Choose high crash test ratings and save - Cars with five star safety ratings tend to have lower insurance rates. These vehicles reduce occupant injuries and lower injury rates translates into savings for insurance companies and lower rates for you. If your Ford Escape is rated at a minimum four stars on Safercar.gov it may cost less to insure.
  • Car features can affect rates - Purchasing a vehicle that has a built-in theft deterrent system can help lower your rates. Theft deterrent systems such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all aid in stopping vehicle theft.
  • Insurance losses for a Ford Escape - Companies analyze past claim statistics to help set a rate to offset losses. Models that the statistics show to have increased losses will have increased rates.

    The next table illustrates the actual insurance loss data for Ford Escape vehicles. For each type of coverage, the loss probability for all vehicles compiled together is a value of 100. Numbers shown that are under 100 are indicative of better than average losses, while percentages above 100 indicate frequent claims or a tendency for claims to be larger.

    Auto Insurance Loss Data for Ford Escape Models
    Vehicle 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

    Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Local Tulsa insurance agencies

A lot of people prefer to talk to an insurance agent and that is just fine! A good thing about comparing rate quotes online is you may find lower car insurance rates and also buy local.

Insurance agents in TulsaUpon completion of this simple form, the coverage information is sent to insurance agents in Tulsa who will give you quotes for your insurance coverage. It makes it easy because there is no need to contact any insurance agencies because quoted prices will be sent directly to your email. Get lower rates without having to waste a lot of time. If for some reason you want to get a price quote from a specific company, you would need to jump over to their website and complete a quote there.

Picking the best company should depend on more than just a cheap quote. Get answers to these questions too.

  • How long has their agency been open in Tulsa?
  • Does the agent recommend any additional coverage?
  • Is the agent CPCU or CIC certified?
  • Will the agent or a CSR service your policy?
  • Do they offer accident forgiveness?
  • Do you need full coverage on every vehicle?
  • Do they have cheaper tiers of coverage?
  • Can you choose the body shop in case repairs are needed?

The following are Tulsa insurance companies that may be able to provide price quotes for Ford Escape insurance in Tulsa.

View more Tulsa agents

Cheaper car insurance is a realistic goal

Drivers leave their current company for many reasons like being labeled a high risk driver, policy non-renewal, poor customer service and unfair underwriting practices. It doesn't matter why you want to switch switching companies is not as hard as you think.

In this article, we presented a lot of information how to reduce Ford Escape insurance premium rates online in Tulsa. The key concept to understand is the more companies you get prices for, the more likely it is that you will get a better rate. You may even be surprised to find that the biggest savings come from some of the lesser-known companies.

When shopping online for car insurance, it's very important that you do not buy lower coverage limits just to save a few bucks. In many cases, someone sacrificed liability limits or collision coverage only to discover later that it was a big mistake. The aim is to find the BEST coverage for the lowest cost while still protecting your assets.

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