Insurance quote for Ford Escape in CharlestonHas it been a year or more since you last compared quotes for the cheapest Ford Escape insurance in Charleston? Are you kicking yourself for buying an underperforming, overpriced insurance policy? Don't feel bad because there are a lot of people in Charleston just like you who feel imprisoned by their insurance policy.

Astonishing but true, nearly 70% of drivers kept buying from the same company for a minimum of four years, and 38% of drivers have never compared rate quotes at all. South Carolina consumers could cut their rates by 55% a year just by comparing rates, but they won't spend time to save money by comparing rate quotes.

Online insurance companies like State Farm, Allstate, GEICO and Progressive persitently shower you with ads and it can be hard to not get sucked in by the cute commercials and take the time to shop coverage around.

If you already have coverage, you will surely be able to reduce the price you pay using these techniques. Buying affordable insurance in Charleston is not that difficult as long as you know where to start. But South Carolina consumers benefit from understanding the way companies determine what you pay and use it to find better rates.

Just keep in mind that comparing a large number of companies will enable you to find more affordable rates. Not every company does Charleston Escape insurance quotes over the internet, so you should also compare prices from them as well.

The following companies can provide free rate quotes in South Carolina. If multiple companies are shown, it's a good idea that you visit as many as you can to find the most competitive car insurance rates.

Ford Escape Insurance Rates in Charleston, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $180 $332 $378 $22 $112 $1,024 $85
Escape XLS 4WD $220 $412 $378 $22 $112 $1,144 $95
Escape XLT 2WD $220 $428 $304 $18 $92 $1,062 $89
Escape Limited 2WD $226 $376 $328 $20 $98 $1,048 $87
Escape XLT 4WD $238 $362 $392 $24 $118 $1,134 $95
Escape Limited 4WD $326 $652 $392 $24 $118 $1,512 $126
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Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Table data does not factor in vehicle location which can increase or decrease premiums significantly.

Deductible comparison

The illustration below highlights how deductible selection and can raise or lower Ford Escape insurance costs for each age group. Data assumes a married female driver, comprehensive and collision coverage, and no discounts are factored in.

Deductible analysis

One of the most common auto insurance questions is where to set your physical damage deductibles. The comparison tables below sum up the costs and benefits when you select higher and lower insurance deductibles. The first data table uses a $250 physical damage coverage deductible and the second set of rates uses a $500 deductible.

Ford Escape insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $230 $366 $290 $18 $86 $1,015 $85
Escape XLS 4WD $230 $366 $290 $18 $86 $1,015 $85
Escape XLT 2WD $230 $366 $290 $18 $86 $1,015 $85
Escape Limited 2WD $264 $366 $290 $18 $86 $1,049 $87
Escape XLT 4WD $264 $366 $290 $18 $86 $1,049 $87
Escape Limited 4WD $264 $444 $290 $18 $86 $1,127 $94
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Ford Escape insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $186 $294 $290 $18 $86 $874 $73
Escape XLS 4WD $186 $294 $290 $18 $86 $874 $73
Escape XLT 2WD $186 $294 $290 $18 $86 $874 $73
Escape Limited 2WD $214 $294 $290 $18 $86 $902 $75
Escape XLT 4WD $214 $294 $290 $18 $86 $902 $75
Escape Limited 4WD $214 $358 $290 $18 $86 $966 $81
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Premium costs do not factor in your specific Charleston location which can alter price quotes considerably.

We can derive from the above data that using a $250 deductible will cost you roughly $12 more each month or $144 each year than requesting the higher $500 deductible. Because you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you normally go more than 21 months between claim filings, you would come out ahead if you choose a higher deductible.

How to calculate if a higher deductible is a good decision

Average monthly premium for $250 deductibles: $87
Average monthly premium for $500 deductibles (subtract): - $75
Monthly savings from raising deductible: $12
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $12
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

Why you need quality insurance for your Ford Escape

Despite the fact that auto insurance is not cheap in Charleston, insurance is mandatory in South Carolina but it also protects more than you think.

The benefits of carrying enough insurance are without a doubt worth the cost, especially when you need to use it. Unknowingly, the average driver is currently overpaying as much as $830 a year so you should quote rates every year to ensure rates are inline.

Insurance policy discounts you can't miss

The price of auto insurance can be rather high, but there are discounts available that you may not know about. Certain credits will be shown when you purchase, but some must be manually applied prior to getting the savings. If you don't get every credit you deserve, you may be paying too high a price.Cheaper insurance with discounts

You can save money using discounts, but most credits do not apply to the entire policy premium. Some only apply to specific coverage prices like medical payments or collision. So even though you would think you could get a free insurance policy, companies wouldn't make money that way. But any discount will definitely lower your premiums.

The best insurance companies and some of the discounts include:

Before buying, ask each insurance company which discounts you may be entitled to. Some of the discounts discussed earlier may not apply in Charleston.

Local Charleston insurance agencies

A lot of people would rather get professional advice from a licensed agent and doing that can be a smart decision One of the great benefits of price shopping on the web is that drivers can save money and get lower rates and also buy local.

Find insurance agent in CharlestonOnce you complete this form (opens in new window), your insurance coverage information is transmitted to local insurance agents that give free quotes for your insurance coverage. There is no need to contact any agents since rate quotes are delivered to your email. You'll get the best rates and a licensed agent to work with. If you need to compare rates from a specific company, you just need to navigate to their website and give them your coverage information.

Picking an provider should include more criteria than just a cheap price quote. These are some questions your agent should answer.

Different types of Charleston auto insurance agents

If you're trying to find a local insurance agency, there are a couple of different types of agents to choose from. Agents in Charleston are either independent or exclusive.

Exclusive Agencies

These type of agents are contracted to one company and some examples include Allstate, State Farm and Farmers Insurance. They generally cannot provide other company's prices so you might not find the best rates. Exclusive agencies are usually well trained in insurance sales which helps them sell on service rather than price.

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

Ryan Khan - State Farm Insurance Agent
4952 Centre Pointe Dr Ste 108 - North Charleston, SC 29418 - (843) 740-5003 - View Map

1890 Sam Rittenberg Blvd - Charleston, SC 29407 - (843) 763-4573 - View Map

1711 Savannah Hwy - Charleston, SC 29407 - (843) 766-5579 - View Map

More Charleston agents

Independent Agencies or Brokers

These agents are not required to write business for one company so as a result can place your coverage with many different companies enabling the ability to shop coverage around. If you want to switch companies, they simply move the coverage in-house and you stay with the same agent. If you need lower rates, it's recommended you include rate quotes from a couple of independent agencies for maximum quote selection.

Listed below is a short list of independent agencies in Charleston who can help you get comparison quotes.

225 Seven Farms Drive # 101 - Daniel Island, SC 29492 - (843) 881-7822 - View Map

2115 N.A.D Rd - North Charleston, SC 29406 - (843) 824-8415 - View Map

125 Wappoo Creek Dr #3 - Charleston, SC 29412 - (800) 446-1862 - View Map

More Charleston agents

Once you have received reasonable responses to any questions you have and an affordable coverage quote, it's a good possibility that you have found an auto insurance agent that is reliable enough to properly insure your vehicles.

When in doubt talk to an agent

Always remember that when buying insurance from an agent or online for your personal vehicles, there really is no one-size-fits-all type of policy. Your situation is unique.Safe vehicles cost less to insure

Here are some questions about coverages that could help you determine whether you could use an agent's help.

If it's difficult to answer those questions but a few of them apply, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form.

Persistence is the key to cheap rates

As you restructure your insurance plan, you should never buy lower coverage limits just to save a few bucks. There are too many instances where an insured cut collision coverage only to regret at claim time that the savings was not a smart move. The ultimate goal is to find the BEST coverage for the lowest cost while not skimping on critical coverages.

Drivers who switch companies do it for a variety of reasons including extreme rates for teen drivers, delays in responding to claim requests, high prices or even policy cancellation. Regardless of your reason, finding a new car insurance company is easier than you think.

The cheapest Ford Escape insurance in Charleston can be bought on the web in addition to local insurance agencies, so you need to quote Charleston auto insurance with both so you have a total pricing picture. Some companies do not provide online quoting and most of the time these smaller companies provide coverage only through independent insurance agents.

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