Cheapest Insurance Quotes for a Ford Escape in Mississippi

The chances that you’ll find the cheapest car insurance for a Ford Escape in Mississippi depends on a whole bunch of rating criteria such as your marital status, if you have ever had a gap in coverage, and citations on your driving record. Drivers in Mississippi pay around $630 per year to insure their Escape, but that policy rate is an estimation that uses rate data for a 30-year-old married male that has both comprehensive and collision coverage and $1,000 deductibles.

This brings up the issue that more than likely you are not exactly 30 years old and possibly not even male, maybe you are single instead of married, or maybe you have a speeding ticket that needs to be factored in. Auto insurance is unique to each driver, so the best method for finding the cheapest rates for your Ford is to just compare rates yourself.

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Your vehicle’s trim level can impact the coverage cost, so the price to insure a Escape XLS 2WD will be $68 less than the price to insure the higher-end Escape Limited 4WD trim level, as shown in the prices below.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Mississippi minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Prices do not factor in specific location information which can raise or lower premiums noticeably.

Locating cost effective car insurance is not the easiest thing to accomplish, and finding out which company offers the cheapest insurance rates for a Ford Escape will involve a little more work. Each auto insurer has their own formula for setting prices, so we’ll go over the insurance companies that tend to have lower prices in Mississippi.

It’s important that readers know that Mississippi insurance rates are determined by lots of factors which can substantially decrease or increase the policy premium. This price variability is why it is so important to compare many different companies to get affordable car insurance rates for a Ford Escape. Insurance rates are made up of many different factors and can change substantially, so the lowest-price company when you bought your policy may now be quite expensive.

Best Cheap Insurance Rates for Your Escape

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USAA has some of the best car insurance rates in Mississippi at around $839 per year. Travelers, Unitrin, Direct General, and ALFA also are some of the lowest-priced Mississippi car insurance companies.

In the rate table above, if you have coverage with Direct General and switched to Travelers, you might realize an annual savings of upwards of $317. Policyholders with ALFA might save as much as $391 a year, and Shelter policyholders might reduce prices by as much as $429 a year.

To see how much you can save, click here to start a quote or visit several of the following companies.

Be aware that those premiums 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 has the cheapest rates for you may not even be included in the above rate chart. That is why you need to get auto insurance quotes using your own individual information.

Discounts on Mississippi car insurance

Insurance companies that sell the cheapest insurance for a Ford Escape in Mississippi may also provide premium discounts that could lower prices by 35% or more if you meet specific criteria. A list of insurance companies and their offered discounts can be read below.

• State Farm has savings for Drive Safe & Save, anti-theft, driver’s education, multiple autos, and defensive driving training.
• GEICO policyholders can earn discounts including military active duty, emergency military deployment, anti-lock brakes, multi-vehicle, good student, five-year accident-free, and multi-policy.
• Progressive offers discounts for online signing, homeowner, good student, continuous coverage, multi-policy, and online quote discount.
• 21st Century offers discounts including student driver, teen driver, automatic seat belts, 55 and older, and theft prevention.
• American Family may include discounts for good student, accident-free, defensive driver, early bird, bundled insurance, air bags, and TimeAway discount.
• The Hartford discounts include vehicle fuel type, air bag, defensive driver, anti-theft, bundle, good student, and driver training.
• AAA has discounts for multi-car, good student, good driver, AAA membership discount, education and occupation, anti-theft, and multi-policy.

The information below shows the difference between auto insurance costs with and without policy discounts. The costs are based on a female driver, no driving violations, no at-fault accidents, Mississippi state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with passive restraint, anti-theft, defensive driving course, vehicle safety, multiple vehicle, and accident-free discounts applied. When discounts are factored in, the average amount saved each year on insurance for a Ford Escape is 28% or $388.

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The chart below shows how choosing a deductible can raise or lower insurance costs when trying to find cheap insurance for a Ford Escape. The rates are based on a single female driver, comprehensive and collision coverage, and no other discounts are factored in.

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The data above shows that a 40-year-old driver could lower their policy premium by $256 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $388 by choosing a $1,000 deductible. Young drivers, such as the 20-year-old example, could reduce their rates as much as $648 every year just by choosing higher deductibles when buying full coverage.

When choosing a higher deductible, it will now be necessary to have enough funds in savings to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.