How long has it been since you sat down and looked for more affordable Ford Escape insurance in St. Petersburg? I can't think of anyone who enjoys paying for insurance, particularly when the prices are way too high.

Discount Ford Escape insuranceSad but true, the vast majority of drivers have remained with the same insurance company for four years or more, and almost 40% of drivers have never quoted rates to find affordable coverage. Many consumers in St. Petersburg can cut their rates by up to $1,126 a year just by getting comparison quotes, but they underestimate the amount of money they would save if they switched. Because you have many insurance companies to choose from, it can be impossible to locate the cheapest insurance provider.

It is always a good idea to do price comparisons on a regular basis because insurance prices are usually higher with each renewal. If you had the best deal on Ford Escape insurance in St. Petersburg two years ago there may be better deals available now. Forget all the misinformation about insurance because you're about to find out the only way to save money, get proper deductibles and limits, all at the lowest rate.

Affordable companies for Ford Escape insurance

The companies shown below can provide price comparisons in Florida. If you want cheap car insurance in Florida, it's a good idea that you click on several of them to find the lowest auto insurance rates.

Ford Escape Insurance Estimates in St. Petersburg, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $166 $318 $460 $28 $138 $1,110 $93
Escape XLS 4WD $244 $452 $340 $20 $102 $1,158 $97
Escape XLT 2WD $256 $410 $366 $22 $110 $1,164 $97
Escape Limited 2WD $278 $460 $400 $24 $120 $1,282 $107
Escape XLT 4WD $172 $290 $400 $24 $120 $1,006 $84
Escape Limited 4WD $368 $544 $464 $28 $140 $1,544 $129
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Price estimates do not factor in St. Petersburg location which can increase or decrease premium rates considerably.

Ford Escape insurance premiums by gender and age

The diagram below compares Ford Escape insurance costs for male and female drivers. The premium estimates are based on a clean driving record, no at-fault accidents, comprehensive and collision coverage, $250 deductibles, drivers are not married, and no discounts are taken into consideration.

Physical damage deductibles: Should you raise them?

The illustration below shows how choosing a deductible and can increase or decrease Ford Escape yearly insurance costs for different age groups. The data is based on a married female driver, comp and collision included, and no additional discounts are factored in.

Choosing deductibles

A question often asked by St. Petersburg drivers is where should you set your physical damage deductibles. The following insurance rates summarize the rate differences between high and low insurance deductibles. The first set of prices uses a $100 deductible and the second price table uses a $500 deductible.

Ford Escape insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $312 $532 $354 $20 $106 $1,349 $112
Escape XLS 4WD $312 $532 $354 $20 $106 $1,349 $112
Escape XLT 2WD $312 $532 $354 $20 $106 $1,349 $112
Escape Limited 2WD $358 $532 $354 $20 $106 $1,395 $116
Escape XLT 4WD $358 $532 $354 $20 $106 $1,395 $116
Escape Limited 4WD $358 $648 $354 $20 $106 $1,511 $126
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Ford Escape insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $228 $360 $354 $20 $106 $1,068 $89
Escape XLS 4WD $228 $360 $354 $20 $106 $1,068 $89
Escape XLT 2WD $228 $360 $354 $20 $106 $1,068 $89
Escape Limited 2WD $262 $360 $354 $20 $106 $1,102 $92
Escape XLT 4WD $262 $360 $354 $20 $106 $1,102 $92
Escape Limited 4WD $262 $438 $354 $20 $106 $1,180 $98
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Price information does not factor in vehicle garaging location which can change price quotes noticeably.

Based on the data above, we can derive that using a $100 deductible would cost the average driver about $24 more each month or $288 a year than selecting the higher $500 deductible. Since you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you have at least 17 months between claim filings, you would save more money if you choose a higher deductible.

Companies offer many types of discounts on Ford Escape insurance in St. Petersburg

Auto insurance is not inexpensive, but you may find discounts that you may not know about. A few discounts will automatically apply at the time of purchase, but less common discounts must be asked for prior to receiving the credit.Auto insurance discounts

You should keep in mind that some of the credits will not apply to your bottom line cost. Most only apply to individual premiums such as physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, you won't be that lucky.

Large auto insurance companies and some of the premium reductions they offer can be found below.

Double check with every prospective company which discounts can lower your rates. Depending on the company, some discounts may not apply to policyholders in St. Petersburg. If you would like to view auto insurance companies that can offer you the previously mentioned discounts in Florida, follow this link.

Seven factors that affect insurance costs

Multiple criteria are considered when quoting car insurance. A few of the factors are predictable like an MVR report, although some other factors are less apparent like your vehicle usage or your vehicle rating. A large part of saving on auto insurance is knowing some of the things that are used to determine auto insurance rates. If you have some idea of what positively or negatively impacts your premiums, this allows you to make good choices that may result in lower premium levels.

The following are a few of the things companies use to determine your rates.

When should I get advice from an insurance agency?

Many drivers still like to go talk to an agent and often times that is recommended Agents can help determine the best coverages and help file insurance claims. A nice benefit of getting online price quotes is that drivers can save money and get lower rates and still have an agent to talk to.

Insurance agents in St. PetersburgFor easy comparison, once you complete this quick form, the quote information gets sent to agents in your area that give free quotes for your business. It simplifies rate comparisons since you won't have to find an agent since rate quotes are delivered to the email address you provide. In the event you want to get a comparison quote from a specific insurance provider, just visit that company's website and give them your coverage information.

Choosing the best insurer should include more criteria than just the premium amount. Get answers to these questions too.

When narrowing the list to find a good insurance agency, you must know there are a couple different types of agencies and how they can service your needs differently. Insurance agencies are classified as either independent or exclusive. Either one can sell affordable insurance policies, but it's important to point out the subtle differences since it may influence the kind of agent you use.

Exclusive Insurance Agencies

Exclusive agencies can usually just insure with one company and examples are State Farm, Allstate, or Farmers Insurance. Exclusive agents cannot provide rate quotes from other companies so they have to upsell other benefits. Exclusive agencies receive extensive training on their company's products and that allows them to sell at a higher price point.

Below is a short list of exclusive agents in St. Petersburg willing to provide price quotes.

3651 42nd Ave S c104 - St. Petersburg, FL 33711 - (727) 866-6311 - View Map

5944 34th St N Ste 25 - St. Petersburg, FL 33714 - (727) 528-1401 - View Map

4853 34th St S - St. Petersburg, FL 33711 - (727) 866-0036 - View Map

View more St. Petersburg agents

Independent Agencies or Brokers

These type of agents can sell policies from many different companies so they can write business through lots of different companies and possibly get better coverage at lower prices. If they quote lower rates, they can switch companies in-house and you stay with the same agent. If you need cheaper insurance rates, it's recommended you get some free quotes from at least one independent agent to get the most accurate price comparison.

Shown below is a list of independent insurance agents in St. Petersburg that can give you price quotes.

720 17th Ave N - St. Petersburg, FL 33704 - (727) 542-5590 - View Map

2752 66th St N - St. Petersburg, FL 33710 - (727) 343-8899 - View Map

5737 9th Ave N - St. Petersburg, FL 33710 - (727) 343-1275 - View Map

View more St. Petersburg agents

Upon getting good responses for all questions you ask and a low price estimate, most likely you have located a car insurance agent that can insure your vehicles.

Are you falling for claims of savings?

Florida drivers get pounded daily by advertisements that promise big savings from the likes of Allstate and Progressive. All the companies advertise claims that people will save if you switch your insurance policy to them.

But how can every company make the same claim? Just pay attention to how they say it.

Insurance companies quote the lowest rates for the right customer that will generate a profit. An example of this type of insured may need to be married and over the age of 30, has had continuous coverage, and insures a new vehicle. A propective insured who fits those characteristics will probably get cheap rates and will also save a lot of money.

Potential customers who fall short of these criteria will probably be forced to pay higher premiums with the end result being business not being written. The ads state "customers who switch" not "everyone that quotes" save that kind of money. This is how companies can truthfully lure you into getting a quote. Because every company is different, you really should compare free St. Petersburg auto insurance quotes often. It is just not possible to predict which insurance company will have the lowest premium rates for your situation.

Cheap car insurance premiums are out there

When getting St. Petersburg auto insurance quotes online, make sure you don't reduce coverage to reduce premium. There have been many cases where drivers have reduced comprehensive coverage or liability limits only to discover later that it was a big error on their part. Your goal is to buy a smart amount of coverage at the lowest possible cost while still protecting your assets.

In this article, we presented a lot of ways to compare Ford Escape insurance rates in St. Petersburg. The key thing to remember is the more rate comparisons you have, the higher your chance of finding affordable Ford Escape insurance quotes. You may even discover the best rates are with some of the lesser-known companies. These smaller insurers can often provide lower auto insurance rates in certain areas compared to the large companies like Progressive and GEICO.

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