Finding the cheapest coverage for a Ford Escape in California relies on a very complex rating algorithm that uses multiple factors such as whether you are married or single, where your vehicle is garaged, and your policy deductibles. Drivers will pay on average $900 annually to insure their Escape, but that figure is a valuation based upon a 50-year-old single female driver with both comprehensive and collision coverage and $1,000 deductibles.
When projecting a rate like this, the problem is that you are not 50 and maybe not even a female, maybe you are married instead of single, and maybe you want higher deductibles. Just a slight change in rating criteria could result in a significant change in how much insurance for a Ford Escape costs.
Auto insurance is unique to each driver, so the best method for finding the cheapest rates for your Ford is to compare as many rates as possible.
Your Ford’s trim level will have an impact the insurance rate, so the price you will pay to insure a Escape XLS 2WD will be $86 cheaper than the price to insure the higher-end Escape Limited 4WD trim level, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Escape XLS 2WD||$158||$292||$424||$26||$128||$1,028||$86|
|Escape XLS 4WD||$158||$292||$424||$26||$128||$1,028||$86|
|Escape XLT 2WD||$158||$292||$424||$26||$128||$1,028||$86|
|Escape Limited 2WD||$182||$292||$424||$26||$128||$1,052||$88|
|Escape XLT 4WD||$182||$292||$424||$26||$128||$1,052||$88|
|Escape Limited 4WD||$182||$354||$424||$26||$128||$1,114||$93|
|Get Your Own Custom Quote Go|
Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Premium costs do not factor in garaging location in Fresno which can lower or raise prices noticeably.
Figuring out which company quotes the cheapest insurance rates for a Ford Escape requires a little more work than just picking a company at random. Each insurance company has a unique formula for determining prices, so to begin we’ll rank the insurance companies that tend to be cheaper in California.
It’s important that you understand California insurance rates are based on many factors which can substantially decrease or increase the cost of coverage. Simply turning a year older, adding a teenager to your policy, or getting caught speeding can cause premium changes that can make some companies cheaper than others.
Best Insurance Companies for Your Escape
USAA may offer some of the cheapest car insurance rates in Fresno at around $1,121 annually. This is $530 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also make the cut as some of the most economical Fresno, CA car insurance companies.
As the example above demonstrates, if you are insured with CSAA and switched to Wawanesa, you may see an annual savings of in the neighborhood of $42. Drivers with Nationwide could save as much as $58 a year, and 21st Century insureds might see rate reductions of $174 a year.
To discover how much you can save, click here to start a quote or click through to the companies below.
Understand that those estimates are averages for all drivers and vehicles and do not take into consideration a specific zip code for a Ford Escape. So the company that can offer the best rates for your situation may not even be in the top 24 companies shown above. That point stresses why you need to get auto insurance quotes using your own individual information.
Get discount Fresno car insurance
Car insurance companies that provide coverage for a Ford Escape may have policy discounts that may potentially lower prices by as much as 35% or more if you meet specific criteria. The best insurance companies and some of their more popular discounts can be read below.
- Esurance has discounts for good student, anti-theft, multi-policy, Pac-12 alumni, and safety device.
- The Hartford has savings for anti-theft, good student, bundle, air bag, driver training, defensive driver, and vehicle fuel type.
- AAA includes discounts for AAA membership discount, education and occupation, good driver, good student, and anti-theft.
- GEICO may offer discounts for defensive driver, emergency military deployment, membership and employees, multi-vehicle, and seat belt use.
- State Farm offers premium reductions for safe vehicle, multiple autos, accident-free, defensive driving training, and student away at school.
The diagram below shows the difference between premium costs with and without discounts. The price estimates are based on a male driver, no claims or violations, California state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with defensive driving course, accident-free, multiple vehicle, homeowner, marriage, and anti-theft discounts applied. In this example, the average yearly reduction on insurance for a Ford Escape is 28% or $586.
The example below shows how different deductible levels can impact insurance rates when getting quotes for cheap insurance for a Ford Escape. The premium estimates are based on a married male driver, comp and collision included, and no additional discounts are factored in.
The chart above illustrates that a 50-year-old driver could lower rates by $322 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $488 by using a $1,000 deductible. Even younger insureds, like the Age 20 category, could roll back prices $1,062 annually by using higher deductibles when buying full coverage.
If you do raise deductibles, it is a good idea to have enough savings set aside to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
Safe drivers pay less for insurance
The common sense way to receive the best insurance rates in California for an Escape is to drive safe and avoid getting tickets or having accidents. The information below demonstrates how traffic citations and at-fault claims can increase annual premium costs for different ages of insureds. The data assumes a married male driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.
In the chart above, the average cost of an auto insurance policy in California per year with a clean driving record and no accidents is $1,570. Get two speeding tickets and the average cost swells to $2,158, an increase of $587 each year. Then add in one accident along with the two speeding tickets and the yearly cost of insurance for a Ford Escape goes up to an average of $2,751. That’s an increase of $1,181, or $98 per month, just for being a little careless behind the wheel!
The Fresno car insurance agencies listed below are a good start to answer your questions and help you decide which insurance coverage will be best for you, as lots of people like to get some professional advice when buying car insurance for an Escape. It can be difficult to find coverage yourself, and getting professional guidance from a licensed agent can provide you comfort knowing your coverage gives you sufficient protection if you have a claim.
To find a Fresno insurance agency close to where you live, click the button link following the list.
M D Manouel Insurance Inc
7447 N First St – Fresno, CA 93720 – (559) 446-0588
New Horizon Insurance Services
325 Clovis Ave #114 – Clovis, CA 93612 – (559) 322-2525
Pan American Insurance Agency
7673 N Ingram Ave # 103 – Fresno, CA 93711 – (800) 303-8272
Kurt Sieve – State Farm Insurance Agent
1177 N Willow Ave Suite 102 – Clovis, CA 93611 – (559) 900-7908