How Much are Insurance Quotes for a Ford Escape in Massachusetts?

Your chances of buying the best cheap auto insurance for a Ford Escape in Massachusetts depends upon a lot of things such as your birth date, where you live, and the deductible amount you use. Massachusetts drivers pay on average $800 each year to buy Ford Escape insurance, but that policy rate is based upon a 50-year-old married female driver who purchased full coverage and $100 deductibles.

Chances are good that you aren’t exactly 50 years old or even a female, maybe you are single instead of married, and there is a good chance that there are other drivers on your policy. What seems to be a small difference in the rating criteria used to formulate rates can cause significant differences in the policy rate.

Auto insurance is unique to each driver, so the best way to quote cheap insurance rates for your Ford is to comparison shop your policy at each renewal. To cut your rates now, get a free quote and you will receive prices from top-rated car insurance companies in Massachusetts.

Cheapest Ford Escape Insurance Rates

Your Ford’s trim level tends to have a direct effect on the coverage cost, so the price you will pay to insure a Escape XLS 2WD will be $108 less expensive the cost to insure the more costly Escape Limited 4WD trim level, as demonstrated by the prices below.

Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Massachusetts minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Prices do not factor in vehicle location which can increase or decrease coverage rates considerably.

Choosing the top insurance provider can be difficult considering how many different insurance companies sell coverage in Massachusetts. The ranking information listed below can help you choose which auto insurers to look at when trying find the best insurance for a Ford Escape.

These ratings are for the largest companies in America, so companies that focus mainly on Massachusetts business are not taken into consideration for the list. If you would like to check rates from these and other companies in Massachusetts, click this link.

The example below demonstrates how deductibles can raise or lower yearly insurance costs when quoting cheap insurance for a Ford Escape. The data assumes a single male driver, comp and collision included, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3343,3047,2723,2413],[‘Age 30’, 1761,1621,1453,1291],[‘Age 40’, 1735,1587,1413,1249],[‘Age 50’, 1577,1445,1291,1143],[‘Age 60’, 1521,1395,1249,1109],[‘Age 70’, 1829,1685,1525,1371]]);var options = {title: ‘Impact of Deductibles on Ford Escape Insurance Rates in Massachusetts’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Ford Escape’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The chart above illustrates that a 30-year-old driver could lower rates by $322 a year by changing from a $100 deductible up to a $500 deductible, or save $486 by changing to a $1,000 deductible. Even younger drivers, like the Age 20 chart data, could shave $930 or even more by using higher deductibles when buying full coverage. If you make the decision to raise deductibles, it’s a good idea to have spare funds to enable you to cover the extra out-of-pocket expense associated with higher deductibles.

Do you need full coverage?

Finding cheap insurance for a Ford Escape in Massachusetts is probably important to most vehicle owners, and an easy way to find cheaper insurance is to only pay for liability coverage. The illustration below compares insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Massachusetts. The premiums assume no claims, a clean driving record, $500 deductibles, marital status is single, and no discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $500 Deductibles’, ‘Liability Only’],[‘Age 20’, 2679,1013],[‘Age 30’, 1413,559],[‘Age 40’, 1379,517],[‘Age 50’, 1261,485],[‘Age 60’, 1221,477],[‘Age 70’, 1501,635]]);var options = {title: ‘Full Coverage Compared to Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Ford Escape in Massachusetts’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

Averaged for all ages 20 through 70, full coverage costs $1,576 per year more than carrying just liability coverage. That brings up the question when is the right time to remove full coverage. There is no written rule to exclude physical damage coverage, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is 10% or more of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.

For example, let’s pretend your vehicle’s book value is $4,500 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $3,500 after the deductible is paid. If premium cost is more than $350 a year for full coverage, then it’s probably a good time to buy liability coverage only.

There are some situations where removing full coverage is not financially feasible. If you haven’t satisfied your loan, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not buy liability only.

Who is cheaper: Geico, State Farm, Progressive, or Allstate?

When shopping for insurance for an Escape in Massachusetts, the first places to look would be Geico, State Farm, Progressive, and Allstate. The following table compares price, claims, and customer service ratings, as well as some optional coverages that may be available in your state.