Unfortunately, 70% of consumers kept their policy with the same company for over three years, and nearly 40% of drivers have never compared rates to find affordable insurance. Tucson drivers could pocket roughly 50% a year just by getting comparison quotes, but they just don’t understand the rate savings if they switched.
Really, the only way to get discount car insurance rates in Tucson is to regularly compare prices from companies who provide car insurance in Arizona. You can compare rates by following these guidelines.
- Get a basic knowledge of car insurance and the measures you can take to keep rates in check. Many factors that result in higher rates like traffic citations, accidents, and a not-so-good credit rating can be amended by paying attention to minor details.
- Compare prices from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give rate quotes from a single company like Progressive or State Farm, while agents who are independent can provide price quotes for many different companies. View companies
- Compare the quotes to the price on your current policy to determine if switching companies saves money. If you find a lower rate quote, verify that coverage does not lapse between policies.
- Give notification to your agent or company to cancel your existing policy. Submit the completed application along with a down payment to the new company. Don’t forget to put the certificate verifying coverage in an easily accessible location.
One tip to remember is to use similar coverage information on every price quote and and to get rates from as many companies as you can. This enables a fair price comparison and a better comparison of the market.
Finding the cheapest coverage in Tucson is actually not that difficult if you follow our advice. If you already have coverage, you will be able to find the best rates using this information. But Arizona vehicle owners must know the way insurance companies price online insurance because it can help you find the best coverage.
All the larger car insurance companies such as GEICO, State Farm and Progressive give pricing from their websites. This process is possible for anyone because it’s just a matter of typing in the coverage amounts you desire as detailed in the form. When complete, their rating system pulls credit information and your driving record and generates pricing information determined by many factors.
This makes it easy to compare insurance prices and it’s absolutely necessary to do this in order to get the most affordable possible premiums on car insurance.
To save time and find out what other companies charge, take a look at the companies shown below. If you currently have coverage, we recommend you type in the insurance coverages exactly as they are listed on your policy. This ensures you will be getting rate comparison quotes for exact coverage.
The companies shown below have been selected to offer free rate quotes in Arizona. To buy cheap car insurance in Tucson, it’s highly recommended you get rates from several of them to find the most affordable auto insurance rates.
Why you need to buy insurance
Despite the high cost, insurance may be required and benefits you in several ways.
First, the majority of states have compulsory liability insurance requirements which means state laws require a specific level of liability if you drive a vehicle. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you took out a loan on your vehicle, almost every bank will require you to have physical damage coverage to ensure they get paid if you total the vehicle. If you let the policy lapse, the bank may insure your Ford at a much higher rate and require you to fork over for the much more expensive policy.
Third, insurance preserves your Ford and your assets. Insurance will also pay for hospital and medical expenses for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, also covers legal expenses if anyone sues you for causing an accident. If mother nature or an accident damages your car, collision and comprehensive coverages will pay to repair the damage.
The benefits of carrying adequate insurance definitely exceed the cost, especially if you ever need it. But the average driver in Arizona is overpaying over $825 a year so it’s important to compare rates every year to help ensure money is not being wasted.
Statistics and details
The premium information below outlines estimates of prices for Ford Escape models. Being able to understand how insurance rates are calculated is important for drivers to make smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Escape XLS 2WD | $160 | $254 | $260 | $16 | $78 | $768 | $64 |
| Escape XLS 4WD | $160 | $254 | $260 | $16 | $78 | $768 | $64 |
| Escape XLT 2WD | $160 | $254 | $260 | $16 | $78 | $768 | $64 |
| Escape Limited 2WD | $182 | $254 | $260 | $16 | $78 | $790 | $66 |
| Escape XLT 4WD | $182 | $254 | $260 | $16 | $78 | $790 | $66 |
| Escape Limited 4WD | $182 | $308 | $260 | $16 | $78 | $844 | $70 |
| Get Your Own Custom Quote Go | |||||||
Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Rate quotes do not factor in the specific area where the vehicle is garaged which can alter coverage prices considerably.
Driving violations and accidents
The illustration below shows how speeding tickets and at-fault claims influence Ford Escape car insurance rates for different age categories. The premiums assume a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied to the premium.
Insurance premiums based on gender
The illustration below compares Ford Escape yearly insurance costs for male and female drivers. The price estimates are based on no violations or accidents, full coverage, $250 deductibles, single marital status, and no other discounts are factored in.
Full coverage or liability only
The example below visualizes the comparison of Ford Escape annual premium costs with full physical damage coverage compared to only buying liability only. The premiums are based on no violations or accidents, $500 deductibles, single status, and no discounts are factored in.
When to stop buying comprehensive and collision coverage
There is no specific rule for phasing out physical damage coverage on your policy, but there is a general guideline. If the yearly cost for physical damage coverage is more than around 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.
For example, let’s assume your Ford Escape claim settlement value is $3,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $2,000 after the policy deductible has been paid. If you are paying in excess of $200 annually for physical damage coverage, then it may be the right time to buy liability only.
There are some conditions where eliminating full coverage is not in your best interest. If you still owe a portion of the original loan, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should not remove full coverage.
Earn discounts on Tucson insurance
Insurance is not an enjoyable expense, but you might already qualify for some discounts to help offset the cost. Many of these discounts will be applied automatically at the time of purchase, but once in a while a discount must be manually applied before you get the savings.
- Discount for New Cars – Buying a new car instead of a used Escape can be considerably cheaper since new vehicles have better safety ratings.
- Discounts for Federal Employees – Federal government employees can save as much as 8% with select insurance companies.
- Early Renewal Discounts – A few companies offer discounts for switching policies early. You can save around 10% with this discount.
- Student Discount for Driver Training – Have your child take driver’s ed class in high school.
- Accident Forgiveness Coverage – Not necessarily a discount, but a handful of insurance companies may permit one accident before your rates go up with the catch being you have to be claim-free prior to being involved in the accident.
- Save over 55 – Seniors could receive a small decrease in premiums.
- Distant Student – Any of your kids living away from Tucson attending college and do not have access to a covered vehicle may be able to be covered for less.
- Use Seat Belts – Forcing all vehicle occupants to buckle up before driving can save 10% or more on the premium charged for medical payments and/or PIP.
Don’t be shocked that most credits do not apply to the whole policy. Most only apply to the cost of specific coverages such as medical payments or collision. So even though it sounds like all those discounts means the company will pay you, companies don’t profit that way.
The illustration below shows the comparison of Ford Escape car insurance costs with and without discounts applied. The information is based on a male driver, no claims, a clean driving record, Arizona state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, homeowner, multi-car, multi-policy, and marriage discounts applied.
A few of the larger companies and some of the discounts can be read below.
- State Farm includes discounts for anti-theft, accident-free, Steer Clear safe driver discount, Drive Safe & Save, multiple policy, multiple autos, and defensive driving training.
- Farmers Insurance discounts include mature driver, homeowner, bundle discounts, multi-car, alternative fuel, and good student.
- GEICO may have discounts that include driver training, daytime running lights, federal employee, emergency military deployment, anti-lock brakes, and five-year accident-free.
- American Family policyholders can earn discounts including mySafetyValet, good driver, air bags, accident-free, TimeAway discount, and defensive driver.
- Nationwide offers discounts including anti-theft, accident-free, multi-policy, easy pay, business or organization, and good student.
- Progressive has discounts for online quote discount, online signing, homeowner, continuous coverage, multi-vehicle, good student, and multi-policy.
Before purchasing a policy, check with each company which discounts can lower your rates. Some credits may not be offered in Tucson.
Compare rates but buy from a local neighborhood Tucson car insurance agent
Certain consumers would prefer to sit down and talk to an agent and that can be a great decision The biggest benefit of comparing car insurance online is the fact that you can find cheap car insurance quotes and still have a local agent.
After completing this quick form, the coverage information is instantly submitted to agents in your area who want to provide quotes and help you find cheaper coverage. It makes it easy because there is no need to find an agent on your own because prices are sent to you directly. You can find lower rates without requiring a lot of work. In the event you want to get a price quote for a specific company, feel free to search and find their rate quote page to submit a rate quote request.
Choosing an insurance company requires you to look at more than just a cheap quote. Below are some questions you should ask.
- Do you qualify for any additional discounts?
- Do they regularly work with personal auto policies in Tucson?
- Is there any savings for paying the full premium?
- What insurance company do they write the most business with?
- Does the agency have a good rating with the Better Business Bureau?
- Does the quote include credit and driving reports?
- Which insurance companies are they affiliated with?
Types of car insurance agents
If you want to use a reliable agent, you need to know there are two types of insurance agents and how they can quote your rates. Insurance agencies in Tucson can be categorized as either exclusive or independent agents depending on their company appointments.
Exclusive Car Insurance Agencies
These agents can only write with one company and examples are Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agencies are unable to shop your coverage around so you need to shop around if the rates are high. Exclusive agents are well schooled on their products and sales techniques which helps offset the inability to provide other markets. Drivers often buy from exclusive agents primarily because of the prominence of the brand rather than low rates.
Listed below are exclusive insurance agents in Tucson that are able to give comparison quotes.
- Rebecca Sanford – State Farm Insurance Agent
5605 E River Rd #211 – Tucson, AZ 85750 – (520) 615-0800 – View Map - Farmers Insurance: John Brown
9155 E Tanque Verde Rd #117 – Tucson, AZ 85749 – (520) 323-2500 – View Map - Allstate Insurance: David Mahony
5831 E Speedway Blvd – Tucson, AZ 85712 – (520) 721-9355 – View Map
Independent Car Insurance Agents
These agents can sell policies from many different companies so they can quote policies with a variety of different insurance companies and get you the best rates possible. If prices rise, your agent can switch companies and you can keep the same agent. When searching for an agent, it’s recommended you compare prices from several independent agencies to maximize your price options. They often place coverage with smaller regional carriers that can offer cheaper rates than bigger companies.
Shown below are independent agents in Tucson that are able to give rate quotes.
- Tucson Insurance Associates
51 W Wetmore Rd #101 – Tucson, AZ 85705 – (520) 396-4727 – View Map - HalSi Insurance Services
7670 E Broadway Blvd #250 – Tucson, AZ 85710 – (520) 296-7881 – View Map - The Insurance House
2725 E Broadway Blvd – Tucson, AZ 85716 – (520) 795-7737 – View Map
Tailor your auto insurance coverage to you
When choosing coverage, there really is not a single plan that fits everyone. Your situation is unique and a cookie cutter policy won’t apply.
These are some specific questions might help in determining whether or not you will benefit from professional help.
- What is glass protection for?
- Should I pay a claim out-of-pocket?
- Are rental cars covered under my policy?
- Should I buy more coverage than the required Arizona minimum liability coverage?
- Should I carry comprehensive and collision coverage?
- What does medical payments cover?
- Am I better off with higher deductibles on my Ford Escape?
- How long can I keep a teen driver on my policy?
If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.
Auto insurance coverages
Learning about specific coverages of car insurance aids in choosing which coverages you need at the best deductibles and correct limits. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording. These are typical coverage types available from car insurance companies.
Uninsured and underinsured coverage
This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.
Due to the fact that many Arizona drivers only carry the minimum required liability limits (which is 15/30/10), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.
Coverage for collisions
Collision insurance will pay to fix damage to your Escape from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims such as driving through your garage door, sustaining damage from a pot hole and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible on your Escape to bring the cost down.
Coverage for medical payments
Coverage for medical payments and/or PIP kick in for bills for rehabilitation expenses, hospital visits, funeral costs, pain medications and dental work. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay
Liability car insurance
This can cover damages or injuries you inflict on a person or their property that is your fault. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 15/30/10 which means a limit of $15,000 per injured person, $30,000 for the entire accident, and a limit of $10,000 paid for damaged property.
Liability insurance covers things like court costs, loss of income, funeral expenses, attorney fees and medical services. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible. Arizona state law requires minimum liability limits of 15/30/10 but it’s recommended drivers buy more coverage.
The chart below shows why minimum state limits may not provide adequate coverage.
Comprehensive coverages
This will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive can pay for claims like damage from a tornado or hurricane, hitting a deer and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
Don’t give up on affordable rates
As you quote Tucson car insurance, it’s not a good idea to reduce coverage to reduce premium. There have been many situations where an accident victim reduced uninsured motorist or liability limits and found out when filing a claim they didn’t purchase enough coverage. Your aim should be to buy enough coverage for the lowest price, but do not sacrifice coverage to save money.
Some insurance providers do not provide rate quotes online and most of the time these smaller providers prefer to sell through independent insurance agents. Low-cost Ford Escape insurance in Tucson is possible from both online companies and also from your neighborhood Tucson agents, so you should compare both to have the best rate selection.
We’ve covered many tips how you can save on Ford Escape insurance in Tucson. The key concept to understand is the more times you quote, the better chance you’ll have of finding cheaper Tucson car insurance quotes. You may even discover the best price on insurance is with a small mutual company. These companies can often insure niche markets at a lower cost than their larger competitors like GEICO and State Farm.
Other learning opportunities
- Rental Car Insurance Tips (Insurance Information Institute)
- Who Has Affordable Auto Insurance for Good Students in Tucson? (FAQ)
- What Auto Insurance is Cheapest with Multiple Speeding Tickets in Tucson? (FAQ)
- What Car Insurance is Cheapest for Good Drivers in Tucson? (FAQ)
- Who Has Cheap Tucson Auto Insurance Rates for Electric Cars? (FAQ)
- How Much is Auto Insurance for a Dodge Ram in Tucson? (FAQ)
- What Car Insurance is Cheapest for 4×4 Vehicles in Tucson? (FAQ)
- Avoiding Deer Collisions (Insurance Information Institute)
- Child Safety FAQ (iihs.org)
- Vehicle Insurance in the U.S. (Wikipedia)
- A Tree Fell on Your Car: Now What? (Allstate)