Best Cheap Insurance for a Ford Escape in North Dakota

We always joke that when we write about car insurance, the words cheap or affordable should never appear as a descriptor for auto insurance rates. Forgive the oxymoron, but cheap auto insurance for a Ford Escape can seem impossible to find. But don’t let us ruin your dream, because we will show you how you can quote car insurance that doesn’t cost an arm and a leg.

Your chances of finding the best cheap car insurance for a Ford Escape in North Dakota is dependent upon many different factors like the safety rating of your vehicle, your credit history, and any prior driving offenses you have. Drivers in North Dakota pay around $520 a year to insure a Ford Escape, but that is an approximation based upon a 50-year-old married female driver that purchased full comprehensive and collision coverage and $1,000 deductibles.

It’s more than likely that you are not 50 and possibly not even female, single instead of married, or maybe your Escape is an older model. What seems to be a minor change in policy rating criteria or coverages can cause big differences in the policy rate.

Auto insurance rates are unique for each driver, so the way we recommend to find cheap auto insurance rates for your Ford is to regularly compare rates at renewal.

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The specific model of Escape tends to have a direct impact on the cost of coverage, so the price you will be charged to insure a Escape XLS 2WD model will be $52 less than the price to insure the higher-priced Escape Limited 4WD version, as shown in the prices below.

Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Dakota minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Rates do not factor in North Dakota location which can decrease or increase premium rates significantly.

Finding good, low-cost insurance is not the easiest thing to accomplish, and determining which company quotes the lowest-priced auto insurance rates for a Ford Escape requires even more shopping around.

Every car insurance company has a unique approach to determine rates, so first we will examine the auto insurance companies with the most affordable rates in North Dakota.

Best Auto Insurance Prices for Your Escape

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USAA quotes some of the best car insurance rates in North Dakota at around $725 each year. Allied, Nodak Mutual, Grinnell, and State Farm are also some of the best North Dakota car insurance companies.

As the rates illustrate above, if you currently have coverage with Allied and switched to USAA, you could see savings of upwards of $169. Drivers with Nodak Mutual could save as much as $221 a year, and Grinnell insureds might reduce prices by as much as $345 a year.

Be aware that those rates are averaged across all ages of drivers and types of vehicles and and are not figured with a specific rate value for a Ford Escape. So the car insurance company that can offer you the best price may not even be featured in the list of companies above. That points out the importance of why you need to quote rates from as many companies as possible using your own personal information and vehicle type.

Illustration showing the impact of accidents and violations

The easiest way to receive affordable auto insurance prices in North Dakota for an Escape is to be a cautious driver and avoid accidents and keep your driving record clean. The chart below shows how speeding tickets and at-fault claims can drive up car insurance costs for different ages of insureds. The rates are based on a single female driver, full coverage, $500 deductibles, and no other discounts are factored in.

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In the previous example, the average cost of auto insurance per year with no violations or accidents is $1,363. Add in one speeding ticket and the average cost increases to $1,545, an increase of $181 each year. Then add two accidents along with the one speeding ticket and the yearly cost of auto insurance for a Ford Escape goes up to an average of $3,179. That’s an increase of $1,815, or $151 per month, just for not driving safely!

Which major car insurance company is best?

When shopping around for auto insurance, four companies you’ll want quotes from are Geico, State Farm, Progressive, and Allstate. All of them offer physical damage and liability coverage, but each has different optional coverages and features that can influence your buying decision. The data below illustrates ratings for price and service, as well as some optional coverages .

Find the best cheap insurance for a Ford Escape in North Dakota

Below you’ll find some of the better penny-pinching ideas that can help drivers locate lower-cost coverage.

• Be a safe driver
• Full coverage is expensive so only insure older vehicles for liability only
• Buy your homeowners policy from the same company as your auto insurance
• Earn discounts for being claim-free
• Accidents can significantly increase rates
• Buy a vehicle with excellent safety ratings
• Shop your coverage around for the best deal

The final tip is especially critical, as we stressed in the prior article. Coverage rates can change significantly in a year, so you should be ready to buy from a different company if you find a cheaper price. Many drivers prefer to stick with one company, but it’s not a good idea if that dedication is costing a fortune every year. It takes less than five minutes to compare rates and find cheaper car insurance for a Ford Escape.

Cheapest Ford Escape insurance quotes

There are quite a few ways to find lower-cost auto insurance in North Dakota, but the most popular are through an independent agent, a captive (or exclusive) agent such as Allstate or Auto-Owners, or direct either online or via phone. Each way has the same basic steps, but each is slightly different in how they work.

Independent agents have contracts with multiple insurance companies and can compare rates with every one. They can give you a larger rate selection, which can give you a better overall rate comparison. If they quote lower rates, your policy can be easily switched to a new company and you do not have to find a new agent.

Exclusive agencies are only able to quote rates from a single insurance company like Allstate and Liberty Mutual agents. Exclusive agents normally do not have the ability to quote rates from more than one company, which requires you to shop around.

Opting to purchase auto insurance direct means you do not use either of the other two types of agents and buy direct online or over the phone from a company like Esurance or Progressive. This auto insurance option may be a decent choice drivers who do not need high amounts of coverage and understand what specific coverages and deductibles they need.

So which of those three methods works best to buy the best cheap insurance for a Ford Escape in North Dakota? Our initial answer would be buying direct saves money because there is no agent involved, but that does not always hold true. It could also be said buying from an independent agent results in the cheapest rates since they have access to many companies, but that’s not always true, either. For the right applicant, exclusive agents may have very competitive prices that other companies cannot beat.

Since auto insurance prices are based on many different factors, really the best method to get rock-bottom rates is to get quotes and compare the rates. To find the best rates, be sure to get rate quotes from independent agents, exclusive agents, and direct companies to have enough rates to compare. For a list of companies with online discounts, click here to view.