Buying the cheapest car insurance for a Ford Escape relies on a very complex rating algorithm that uses multiple factors such as whether you are married or single, your credit history, and citations or violations on your driving record. Drivers will pay around $871 a year for Escape insurance, but that is calculated based on a 30-year-old married male driver with full comprehensive and collision coverage and $1,000 deductibles.
The issue with using an average estimated rate is the likelihood you are not 30 and maybe not even a male, maybe you are single instead of married, and you don’t want the same coverages and limits as the example. This example demonstrates why the best method for finding the cheapest insurance price for your Ford is to do the rate comparisons yourself.
The trim level of your Escape will most likely have an effect on price, so the price to insure a Escape XLS 2WD model will be $90 cheaper than the cost to insure the high end Escape Limited 4WD trim level, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Escape XLS 2WD||$184||$298||$376||$22||$112||$992||$83|
|Escape XLS 4WD||$184||$298||$376||$22||$112||$992||$83|
|Escape XLT 2WD||$184||$298||$376||$22||$112||$992||$83|
|Escape Limited 2WD||$210||$298||$376||$22||$112||$1,018||$85|
|Escape XLT 4WD||$210||$298||$376||$22||$112||$1,018||$85|
|Escape Limited 4WD||$210||$362||$376||$22||$112||$1,082||$90|
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Rates do not factor in the specific area where the vehicle is garaged which can influence coverage prices greatly.
Determining which company has the cheapest auto insurance rates for a Ford Escape requires more work in order to find the lowest price. Each insurer has a different process to set policy rates, so we’ll take a look at the auto insurance companies with the most affordable rates in Sacramento, CA.
It’s a good idea to know that California auto insurance rates are impacted by many factors that control your annual premium. Simply having a birthday, buying a new vehicle, or getting a ticket for careless driving can trigger changes in premium that can make some companies cheaper than competitors.
Cheapest Insurance Rates for Your Escape
|Rank||Company||Cost Per Year|
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USAA has some of the lowest car insurance rates in Sacramento at around $1,109 per year. Wawanesa, Century National, CSAA, and Nationwide also rank well as some of the more affordable Sacramento, CA auto insurance companies.
As the rates illustrate above, if you are insured with Wawanesa and switched to USAA, you might realize a yearly savings of approximately $83. Insureds with Century National might save as much as $117 a year, and CSAA insureds might lower prices by $125 a year.
It’s important to note that these prices are averaged across all drivers and vehicles and do not factor in a specific zip code for a Ford Escape. So the auto insurance company that can offer you the best price may not even be in the list above. That is why you need to compare prices as often as possible using your own specific driver information and vehicle.
The illustration below demonstrates how choosing different deductibles can impact premium costs when searching for cheap insurance for a Ford Escape. The premium estimates are based on a married male driver, full physical damage coverage, and no discounts are applied to the premium.
A 40-year-old driver could pocket $322 a year by switching from a $100 deductible up to a $500 deductible, or save $488 by switching to a $1,000 deductible. Even younger insureds, like the Age 20 category, can save as much as $1,062 annually just by choosing larger deductibles.
When increasing deductibles, it’s a good idea to have enough funds in savings to enable you to cover the extra out-of-pocket expense, which is the main drawback of higher deductibles.
Get discounts on Sacramento car insurance rates
Insurance companies that offer cheap quotes for a Ford Escape may also provide special discounts that may potentially lower prices by as much as 40% or more if you are eligible to receive them. A few of the larger companies and a partial list of their discounts are:
- GEICO discounts include emergency military deployment, multi-vehicle, membership and employees, anti-theft, and defensive driver.
- MetLife may offer discounts for multi-policy, accident-free, claim-free, good driver, and good student.
- Progressive offers premium reductions for online signing, multi-vehicle, multi-policy, online quote discount, and continuous coverage.
- Travelers offers discounts for student away at school, new car, good student, home ownership, multi-policy, continuous insurance, and IntelliDrive.
- SAFECO has savings for homeowner, bundle discounts, safe driver, anti-theft, and accident prevention training.
- AAA offers discounts including pay-in-full, AAA membership discount, multi-policy, good student, multi-car, and education and occupation.
The example below shows the comparison of insurance rates with and without policy discounts. The premiums assume a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $250 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with anti-theft, defensive driving course, vehicle safety, marriage, multiple vehicle, and multiple policy discounts applied. When discounts are applied, theaverage amount saved on auto insurance for a Ford Escape is 28% or $640.
The benefit of shopping around
Sacramento, CA auto insurance rates are influenced by many factors that control the price you pay. Simply turning a year older, getting married, or getting a ticket for careless driving can trigger price changes that can now make some companies cheaper than others.
Not only may your situation change, but insurance companies amend premium rates without warning to adjust for unexpected claims or profits. Unexpectedly high claims may cause high rates, while a lower level of claims may cause lower-cost Escape insurance rates.
As an example, the bar chart below demonstrates which company has the cheapest car insurance in Sacramento, CA for a 40-year-old male driver with no accidents or violations, and good credit. Based on his current risk factors, USAA quotes the most affordable car insurance rates in Sacramento at $1,435 annually. This is $216 less than the average rate paid by California drivers of $1,651. Wawanesa, Nationwide, Century National, and CSAA are also on the list of the top five cheapest Sacramento, CA auto insurance companies.
The next chart shows rates after we give the driver from the first example a chargeable accident, less-than-perfect credit, and a traffic citation. Since every insurance provider uses their own calculation for determining rates in each state, analyzing rates may now present a different ranking of affordable Sacramento car insurance companies as shown below.
Grange now has the lowest price in Sacramento with GEICO, Mercury, Progressive, and Allstate also having competitive pricing. This example proves why it is critical to compare rates when trying to find the cheapest car insurance quotes for a Ford Escape.
Car insurance prices are calculated by many different factors and can change without notice, so the best option when you last compared rates may now be quite expensive.
How to find economical insurance for a Ford Escape
It’s not impossible to find cheaper rates, and here are many money-saving ideas that can help California drivers quote cheap coverage.
- Having too many claims will increase rates substantially
- Increase your comprehensive and collision deductibles
- Accident-free drivers may qualify for discounts
- Avoid getting tickets or violations
- Older vehicles may not need full coverage
- Compare prices frequently to find the best deal
The last item on the list is notably vital, as was noted in the prior information. Prices charged by auto insurers in Sacramento vary considerably, so you should be ready to change to a new company if a better rate can be found.
Having a favorite company is fine, but is isn’t recommended if that loyalty results in overpaying several hundred dollars every year. Take a few minutes and compare rates to find cheaper insurance for a Ford Escape.
The insurance agencies listed below are a good start to help you decide which coverages are best, as lots of drivers aren’t clear which coverage they need and would like to get some help when shopping for the best coverage for an Escape. It’s not always easy to find the best policy yourself, and getting advice from a licensed agent can provide you satisfaction knowing you have suitable coverage if you ever need to use it.
To locate an agency by location nearest to you, click the button at the bottom of the list.
- Darryl Fong – State Farm Insurance Agent
8489 Folsom Blvd – Sacramento, CA 95826 – (916) 388-1900
- Pan American Underwriters
1610 Arden Way # 121 – Sacramento, CA 95815 – (916) 286-5960
- Moira Little – State Farm Insurance Agent
9700 Business Park Dr #304 – Sacramento, CA 95827 – (916) 854-5985
- Nationwide Insurance: Ham Insurance Agency Inc
2210 Del Paso Rd e – Sacramento, CA 95834 – (916) 419-8228