Are you doing reasearch to find more affordable car insurance rates in Columbus, GA? Columbus drivers have options when trying to find low-cost Ford Escape insurance. They can either waste time struggling with agents to get rate comparisons or leverage the internet to find the lowest rates.
There is a better way to find car insurance online and you need to know the best way to price shop coverage for your Ford and get the best price possible from Columbus insurance agents and online providers.
It's hard to fathom, but most car insurance policyholders kept their coverage with the same car insurance company for well over three years, and nearly half have never compared quotes from other companies. The average driver in Columbus can save roughly 60% each year by just comparing quotes, but they think it's difficult to find lower-cost rates by getting comparison quotes.
Smart consumers take time to quote other rates as often as possible because car insurance rates are rarely the same from one policy term to another. Even if you think you had the best rate on Ford Escape insurance in Columbus on your last policy you may be paying too much now. There is a lot of wrong information about Escape insurance online but in just a couple of minutes you can learn some great ideas on how to stop overpaying for insurance in Columbus.
Cheap companies for Ford Escape insurance
The companies shown below have been selected to offer price comparisons in Columbus, GA. If multiple companies are shown, we suggest you visit several of them to get the most affordable price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Escape XLS 2WD||$160||$304||$404||$24||$122||$1,014||$85|
|Escape XLS 4WD||$246||$340||$438||$26||$132||$1,182||$99|
|Escape XLT 2WD||$328||$618||$452||$26||$136||$1,560||$130|
|Escape Limited 2WD||$234||$350||$314||$18||$94||$1,010||$84|
|Escape XLT 4WD||$292||$518||$378||$22||$114||$1,324||$110|
|Escape Limited 4WD||$274||$508||$452||$26||$136||$1,396||$116|
|Get Your Own Custom Quote Go|
Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Premium amounts do not factor in vehicle garaging location which can lower or raise insurance rates considerably.
Rate comparison for different deductibles
The chart below shows how different deductible levels and can raise or lower Ford Escape insurance costs for each different age category. The costs are based on a married male driver, comprehensive and collision coverage, and no other discounts are factored in.
Score discounts to get cheaper Columbus insurance quotes
Some insurance providers don't always publicize all available discounts very clearly, so the list below details some of the more common as well as some of the hidden ways to save on insurance.
- Passive Restraint Discount - Cars that have air bags and/or automatic seat belt systems may qualify for discounts as much as 30%.
- Claim Free - Drivers who don't have accidents can save substantially compared to drivers with a long claim history.
- Lower Rates for Military - Being on active duty in the military could mean lower prices.
- New Vehicle Savings - Buying a new car model can get you a discount since new model year vehicles have better safety ratings.
- Seat Belts Save more than Lives - Drivers who require all vehicle occupants to fasten their seat belts can save a little off the PIP or medical payment premium.
- Club Memberships - Joining a professional or civic organization is a simple method to lower premiums on your policy.
- Low Mileage Discounts - Driving fewer miles could qualify for slightly better rates than normal.
- Good Student Discount - Being a good student can save 20 to 25%. The good student discount can last up to age 25.
Please keep in mind that many deductions do not apply the the whole policy. Some only apply to the price of certain insurance coverages like liability and collision coverage. Despite the appearance that you would end up receiving a 100% discount, you aren't that lucky.
To find insurance companies that offer some of these discounts in Columbus, click here.
Your situation helps dictate your coverage
When it comes to buying a policy for your personal vehicles, there really isn't a one-size-fits-all type of policy. Your needs are unique to you and your auto insurance should unique, too. For instance, these questions could help you determine whether or not you could use an agent's help.
- What is an adequate liability insurance limit?
- When would I need additional glass coverage?
- Do I have coverage for damage caused while driving under the influence?
- Does rental coverage apply when I am renting a car?
- Does having multiple vehicles earn me a discount?
- Is my state a no-fault state?
- Am I missing any policy discounts?
- How long can I keep a teen driver on my policy?
If you're not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.
Are insurance agencies a thing of the past?
Certain consumers just prefer to visit with an insurance agent and we recommend doing that Good insurance agents can help you build your policy and help submit paperwork. One of the benefits of getting free rate quotes online is that you can find cheap car insurance rates and still have a local agent. Supporting neighborhood agents is important especially in Columbus.
By using this short form, your coverage information is immediately sent to participating agents in Columbus that can give you free Columbus car insurance quotes and help you find cheaper coverage. There is no need to drive around since price quotes are sent to you instantly. If you have a need to quote rates from a particular provider, you would need to navigate to their website and submit a quote form there.
If you are wanting to purchase car insurance from a reliable insurance agent, you must know there are a couple types of insurance agents to choose from. Agents in Columbus are classified as either independent agents or exclusive agents. Both types can insure your vehicles properly, but it's worth mentioning the difference in how they write coverage because it can factor into buying decisions.
Independent Insurance Agents
Independent agencies are not required to write business for one company and that enables them to quote your coverage with multiple insurance companies and potentially find a lower price. If they find a lower price, your agent can switch companies which is easy for the insured. When comparing car insurance rates, it's recommended you get several quotes from several independent agencies to get the most accurate price comparison. They also have the ability to place coverage with smaller regional carriers which can be an advantage.
Featured below are Columbus independent agents that may be able to give price quotes.
- McKibben Insurance Agency
3740 Macon Rd - Columbus, GA 31907 - (706) 563-6823 - View Map
- Hutchinson Traylor Insurance
6310 Bradley Park Dr - Columbus, GA 31904 - (706) 323-3613 - View Map
- Capparelle's Agency
3902 Hamilton Rd - Columbus, GA 31904 - (706) 322-6178 - View Map
Exclusive Insurance Agencies
Exclusive agencies work for only one company such as Farmers Insurance, American Family, State Farm and Allstate. Exclusive agencies are unable to compare rates from other companies so keep that in mind. These agents are well trained on sales techniques and that enables them to sell even at higher rates. Many people buy insurance from these agents primarily because of the prominence of the brand and strong financial ratings.
Listed below is a list of exclusive insurance agencies in Columbus that are able to give comparison quotes.
- Allstate Insurance: Jody Reese
4626 Miller Rd d - Columbus, GA 31909 - (706) 563-1371 - View Map
- Allstate Insurance: Danny Turner
4386 Macon Rd - Columbus, GA 31907 - (706) 565-0607 - View Map
- State Farm: Jeff Krietemeyer
4264 Macon Rd - Columbus, GA 31907 - (706) 563-6993 - View Map
Picking the best auto insurance agent should depend on more than just the premium amount. These are some questions you should get answers to.
- Do they specialize in personal lines auto insurance in Columbus?
- Did they already check your driving record and credit reports?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Is working in the agency their full-time job?
- Are they paid to recommend certain coverages?
Auto insurance policy specifics
Understanding the coverages of auto insurance helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. These are the normal coverages offered by auto insurance companies.
Collision - Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims like sideswiping another vehicle, hitting a mailbox, colliding with a tree, backing into a parked car and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It's also possible to raise the deductible on your Escape to save money on collision insurance.
Protection from uninsured/underinsured drivers - This coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Ford Escape.
Because many people have only the minimum liability required by law (25/50/25), their limits can quickly be used up. So UM/UIM coverage is a good idea. Normally these coverages are set the same as your liability limits.
Comprehensive (Other than Collision) - Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage protects against things like hitting a deer, falling objects, fire damage and a tree branch falling on your vehicle. The highest amount you'll receive from a claim is the ACV or actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.
Medical expense insurance - Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like pain medications, doctor visits, chiropractic care and X-ray expenses. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
Liability coverages - This coverage protects you from injuries or damage you cause to other people or property by causing an accident. This coverage protects you from legal claims by others, and doesn't cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.
Liability insurance covers claims like pain and suffering, loss of income and medical expenses. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford. Georgia state minimum liability requirements are 25/50/25 but it's recommended drivers buy higher limits.
Find cheap rates by being thorough
Lower-priced car insurance in Columbus can be bought on the web and also from your neighborhood Columbus agents, so you need to quote Columbus car insurance with both to have the best rate selection. Some insurance companies may not offer rate quotes online and usually these regional insurance providers prefer to sell through local independent agents.
In this article, we presented some good ideas how you can get a better price on Ford Escape insurance in Columbus. The key thing to remember is the more price quotes you have, the higher the chance of saving money. Drivers may even discover the biggest savings come from the least-expected company. Some small companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm and Allstate.
To read more, take a look at the resources below:
- Collision Insurance Coverage (Nationwide)
- Who Has Affordable Car Insurance Quotes for a Subaru Outback in Georgia? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Lyft Drivers in Georgia? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Hybrid Vehicles in Georgia? (FAQ)
- Who Has Affordable Auto Insurance Quotes for State Employees in Georgia? (FAQ)
- Get the Right Protection (InsureUonline.org)
- Choosing a Car for Your Teen (State Farm)