Online Tricks to Find Ford Escape Insurance Cheaper in Nevada

Locating better insurance prices for a new or used Ford Escape in Nevada could be an all-consuming task, but you can learn our car insurance buying tips and make it easy.

There are more efficient ways to shop for car insurance so you’re going to learn the absolute fastest way to get price quotes for your Ford and locate the lowest price from both online companies and Nevada agents.

You should make it a habit to compare prices before your policy renews because insurance rates go up and down regularly. Even if you think you had the lowest price for Escape coverage a few years ago a different company probably has better rates today. Ignore everything you know about car insurance because I’m going to let you in on the secrets to the fastest and easiest way to get good coverage at a lower rate.

Ford Escape insurance rates have many determining factors

An important part of buying insurance is that you know the different types of things that play a part in calculating car insurance rates. Having a good understanding of what impacts premium levels helps enable you to make changes that could result in much lower annual insurance costs.

Save money with special equipment – Owning a car with anti-theft technology or alarm system can save you a little every year. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your car from being stolen.
Increase deductibles and save – Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Ford. Examples of covered claims are a windshield shattered by a rock, damage caused by hail, and windstorm damage. The deductibles are how much you are willing to pay out-of-pocket in the event of a claim. The more money you’re willing to pay, the less your car insurance will be for Escape coverage.
High performance equals high price – The make and model of the vehicle you are insuring makes a significant difference in determining your rates. The cheapest insurance rates are usually for small economy passenger vehicles, but other factors influence the final cost greatly. Due to the fact that the Ford Escape is a crossover, insurance will be slightly more when compared to the average rates.
Poor driving leads to higher costs – Your driving record impacts your car insurance rates tremendously. Even a single citation can increase rates twenty percent or more. Good drivers get better rates than their less careful counterparts. Drivers who get dangerous violations like DWI, reckless driving or hit and run convictions may be required to file a SR-22 with the DMV in their state in order to prevent a license revocation.
Safer cars cost less to insure – Safer cars tend to have better insurance rates. Safe vehicles protect occupants better and lower injury rates translates into fewer and smaller insurance claims and thus lower rates. If the Ford Escape earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
Teen drivers pay high rates – Youthful drivers in Nevada have a tendency to be more careless behind the wheel so car insurance rates are higher. Adding a teenage driver to your policy can really hurt. Older drivers are viewed as being more responsible, tend to cause fewer accidents and receive fewer citations.

Don’t overlook these discounts

Properly insuring your vehicles can get expensive, but there could be available discounts to reduce the price significantly. Larger premium reductions will be automatically applied at the time of quoting, but a few must be manually applied before you get the savings. If they aren’t giving you every credit you deserve, you’re paying more than you need to.

Homeowners Pay Less – Owning a home may trigger a car insurance policy discount because maintaining a house shows financial diligence.
Drive Safe and Save – Safe drivers may save up to 50% more for Escape coverage than drivers with accidents.
Sign Online – Some insurance companies will discount your bill up to fifty bucks simply for signing digitally online.
Senior Citizens – Older drivers may be able to get a discount up to 10% for Escape coverage.
Drivers Education – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.
Safety Course Discount – Completing a driver safety course can save you 5% or more if your company offers it.
Passive Restraints and Air Bags – Vehicles equipped with air bags can qualify for discounts of more than 20%.
Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts can save up to 15% off your medical payments premium.

It’s important to understand that most credits do not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as comprehensive or collision. So when the math indicates all those discounts means the company will pay you, car insurance companies aren’t that generous. Any amount of discount will reduce the cost of coverage.

For a list of providers offering car insurance discounts in Nevada, click this link.

Online quotes with a local Nevada insurance agent

A small number of people prefer to get advice from a local agent. Licensed agents can point out coverage gaps and give you someone to call. The biggest benefit of price shopping on the web is you can get better rates and still have an agent to talk to. And supporting local businesses is especially important in smaller communities.

To help locate an agent, after submitting this form (opens in new window), your insurance data is sent to participating agents who will battle for your business. There is no reason to visit any agencies as quotes are delivered straight to your inbox. It doesn’t get any easier!

If you wish to view a list of agents in Nevada to contact, view this site.

Choosing an insurance company requires more thought than just a cheap price. Any agent should be forthright in answering these questions:

Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
Do they assist clients in filing claims?
Does the agency support the community they serve?
Who is covered by the car insurance policy?
Is assistance available after office hours?
Are you getting all the discounts the company offers?
Are there any hidden costs in their price quote and does it include driving and credit history?
Can they provide you with a list of referrals?

Upon getting positive responses to all your questions and an acceptable price quote, you have narrowed it down to a company that is a good match to properly insure your vehicles.

More Nevada car insurance resources

Additional car insurance information is available on the Nevada Division of Insurance website located here. Nevada consumers can view a list of available companies, download brochures, discover disciplinary actions, and find out industry alerts.

The articles below may also help you learn more about car insurance in Nevada

Final thoughts

When buying insurance coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. In many instances, consumers will sacrifice liability coverage limits and discovered at claim time that it was a big error on their part. Your goal should be to buy the best coverage you can find at a price you can afford, not the least amount of coverage.

People who switch companies do it for a number of reasons such as denial of a claim, poor customer service, questionable increases in premium and even extreme rates for teen drivers. Regardless of your reason for switching companies, switching companies is easier than you think.

Low-cost Ford Escape insurance can be bought online and with local Nevada insurance agents, and you should be comparing both to have the best selection. Some car insurance companies do not offer online price quotes and usually these small, regional companies provide coverage only through local independent agents.