Our staff writers always rib each other than when writing about auto insurance, the words “affordable” or “cheap” really should not be used anywhere to describe car insurance prices. Sad but true, cheap auto insurance for a Ford Escape may be a thing of the past. But don’t let us ruin your dream, because we are going to show you some ways you can get insurance that won’t break your budget.
The chances of buying the best cheap insurance for a Ford Escape in Utah is contingent on an enormous amount of factors such as how long your commute is, your credit history, and deductibles for comprehensive and collision coverage. Drivers pay approximately $710 annually for Escape insurance, but that rate is that uses a 40-year-old single female driver that includes full coverage including both comprehensive and collision and $500 physical damage deductibles.
Most likely you are not exactly 40 years old and possibly not even female, maybe you are married instead of single, and there is a good chance that you need different coverage limits than the exampe. Changing even a minor factor in rating criteria or coverage limits can precipitate large changes in how much insurance for a Ford Escape costs.
Auto insurance is not “one size fits all”, so the most reliable way to find affordable rates for your Ford is to just take the time to do a thorough rate comparison. It’s really quite easy you will receive prices from some of the most affordable companies around.
The trim level of your vehicle impacts the annual cost of coverage, so the price you will pay to insure a Escape XLS 2WD will be $78 cheaper than the insurance cost for the fancier Escape Limited 4WD model, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Escape XLS 2WD||$140||$262||$296||$18||$88||$804||$67|
|Escape XLS 4WD||$140||$262||$296||$18||$88||$804||$67|
|Escape XLT 2WD||$140||$262||$296||$18||$88||$804||$67|
|Escape Limited 2WD||$162||$262||$296||$18||$88||$826||$69|
|Escape XLT 4WD||$162||$262||$296||$18||$88||$826||$69|
|Escape Limited 4WD||$162||$318||$296||$18||$88||$882||$74|
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Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Utah minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Table data does not factor in specific location information which can modify price quotes substantially.
Finding out which company quotes the lowest-priced insurance rates for a Ford Escape involves more work in order to find the best price. Every insurance provider has their own process for establishing rates, so let’s take a look at the insurance companies with the overall cheapest rates in Utah.
It’s important that readers know that Utah insurance rates are based on many factors that will increase or decrease the price you pay. Simply having another birthday, increasing deductibles, or getting a ticket for careless driving can cause premium changes that can make some companies more affordable than competitors.
Find the Cheapest Auto Insurance for Your Escape
|Rank||Company||Cost Per Year|
|6||Farm Bureau Mutual||$1,037|
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Bear River may have some of the best car insurance rates in Utah at around $590 per year. USAA, Auto-Owners, American Family, and Safeco also make the cut as some of the more affordable Utah car insurance companies.
As illustrated above, if you buy coverage from American Family and switched to USAA, you could realize an annual savings of in the neighborhood of $164. Drivers with Safeco might save as much as $239 a year, and Farm Bureau Mutual customers might cut rates by $246 a year.
If you would like to find cheap insurance for a Ford Escape in Utah, click here to start your custom quote or visit any of the low-priced companies below.
Be aware that those policy rates are averaged for all insureds and vehicles and do not take into consideration a specific rate value for a Ford Escape. So the insurer that fits you best may not even be included in the above list. That helps illustrate why you need to compare rates from multiple companies using your own specific driver information and vehicle.
The recommended way to get cheap insurance for a Ford Escape in Utah is to be a careful driver and avoid accidents and traffic violations. The illustration below highlights how traffic violations and accidents influence premium costs for different age groups. The costs are based on a single female driver, full coverage, $500 deductibles, and no policy discounts are applied.
In the chart above, the average cost of auto insurance in Utah per year with no violations or accidents is $1,233. Get one speeding ticket and the average cost hikes up to $1,397, an increase of $164 each year. Then throw in one accident along with the one speeding ticket and the yearly cost of insurance for a Ford Escape goes up to an average of $1,847. That’s an increase of $614, or $51 per month, just for being a careless driver!
It is possible to find better rates, and here are many thrifty solutions that can help you locate cheaper auto insurance.
That last piece of advice is particularly necessary, as we pointed out in this article. Prices can be adjusted at any time, so drivers shouldn’t be resistant to change to a new company if a cheaper price is available.
Brand loyalty is not necessarily bad, but it’s not a great idea if that dedication is costing hundreds of dollars a year. Now is a great time to shop around to find cheaper insurance for a Ford Escape.