How Much Does 2016 Ford Escape Insurance Cost?

Searching for lower insurance rates for your Ford Escape? Locating low-cost insurance for your Ford Escape can turn out to be a painful process, but you can learn a few tricks and make it easy.

There are more efficient ways to compare insurance rates so you’re going to learn the best way to compare rates for a new or used Ford and find the lowest price from both online companies and local agents.

You need to get comparison quotes once or twice a year because insurance prices are adjusted regularly by insurance companies. Just because you found the lowest price on Escape coverage a few years ago the chances are good that you can find a lower rate quote today. Don’t believe everything you read about insurance out there, but I’m going to show you some of the best ways to slash your insurance rates.

Buying the cheapest auto insurance is simple if you know the tricks. If you have insurance now or are just looking to switch companies, you can use these techniques to get lower rates and possibly find even better coverage. Drivers just need to know the proper way to shop their coverage around online.

How much does car insurance cost?

Performing a rate comparison can be exhausting if you don’t understand the best way to get rate quotes. You could spend the better part of a day talking to insurance companies in your area, or you could use online quotes to get rate comparisons in just a few minutes.

Many popular insurance companies participate in a marketplace that allows shoppers to complete one form, and each company then returns a price quote determined by their information. This prevents consumers from doing form submissions to each individual car insurance company.

To find out what other companies charge click to open in new window.

The only drawback to using this type of form is that you can’t choose the providers to get pricing from. So if you prefer to choose specific providers to compare prices, we have assembled a list of the cheapest car insurance companies in your area. Click here to view list.

The method you choose is up to you, but compare equivalent coverage data on every price quote you get. If the quotes have mixed coverages it will be next to impossible to determine the lowest rate for your Ford Escape.

Are insurance coverage companies telling the truth?

Consumers can’t avoid all the ads that claim the cheapest rates from companies such as State Farm and Allstate. All the companies advertise claims that drivers will save a bundle if you get a free auto insurance quote and switch your policy.

How can each company offer drivers better rates? It’s all in the numbers.

Insurance providers have a certain “appetite” for the right customer that earns them a profit. For example, this type of driver could be a married female, has no claims, and drives a car with an anti-theft system. Someone who fits those characteristics will get the preferred prices and most likely will save when they switch companies.

Potential insureds who do not match those standards will be charged higher premiums which results in the prospect going elsewhere. The ad wording is “drivers that switch” but not “everyone who gets a quote” save that much. That is how insurance companies can make those statements.

Because each company has a different risk profile, it’s extremely important to compare free auto insurance quotes often. Because without a comparison, you cannot know which insurance coverage company will be your best fit.

Get cheaper insurance prices by understanding these factors

When buying auto insurance it’s important to understand the different types of things that come into play when calculating auto insurance rates. When you understand what impacts premium levels, this allows you to make educated decisions that may reward you with much lower annual insurance costs. Many different elements are part of the calculation when you get your auto insurance bill. Some factors are common sense like your driving record, but some are more obscure such as whether you are married or your commute time.

The factors shown below are some of the major factors auto insurance companies consider when setting your prices.

  • Higher prices for stressful jobs – Careers like military personnelairline pilots and accountants usually pay higher premium rates due to intense work requirements and lengthy work days. On the flip side, jobs like scientists, students and performers get better rates on Escape coverage.
  • Getting married can save on auto insurance – Getting married may earn you lower rates compared to being single. Having a significant other is viewed as being more mature and responsible and it’s proven that married drivers tend to have fewer serious accidents.
  • More traffic means higher claims – Residing in areas with lower population is a good thing when buying auto insurance. Fewer people translates into fewer accidents and also fewer theft and vandalism claims. Residents of big cities tend to have traffic congestion and much longer commute distances. More time behind the wheel means more chances of being involved in an auto accident.
  • See if your company offers a multi-policy discount – Most major auto insurance companies apply a discount to policyholders that have more than one policy such as combining an auto and homeowners policy. This can amount to anywhere from five to ten percent in most cases. Even if you qualify for this discount already, you still need to check prices from other companies to make sure you are getting the best deal. Consumers may save more without the discount by buying insurance from more than one company.

Use discounts to get cheaper auto insurance rates

Companies that sell car insurance don’t list every discount in an easy-to-find place, so the following list contains some of the best known and also the lesser-known credits that may apply to you.

  • Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and qualify for as much as a 10% discount.
  • Renewal Discounts – Some insurance companies provide a discount for switching companies before your current expiration date. Ten percent is about the average savings.
  • Discounts for Government Workers – Federal government employees could cut as much as 10% off on Escape coverage with select insurance companies.
  • Pay Early and Save – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
  • Discount for Life Insurance – Not all auto insurance companies offer life insurance, but some may give you a discounted premium rate on car insurance if you buy a life insurance policy as well.
  • Driver Education Discount – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education as it can save substantially.
  • Defensive Driver – Successfully completing a course teaching driver safety skills is a good idea and can lower rates and make you a better driver.

You should keep in mind that most discount credits are not given to the entire policy premium. Most only reduce the price of certain insurance coverages like comprehensive or collision. So when the math indicates it’s possible to get free car insurance, auto insurance companies aren’t that generous. Any amount of discount will positively reduce your overall bill.

If you would like to choose from a list of providers with discount auto insurance rates, follow this link.

Tailor your insurance coverage coverage to you

When it comes to buying the best insurance coverage coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every situation is different.

For example, these questions might point out whether or not you might need an agent’s assistance.

  • Do I need higher collision deductibles?
  • How do I file an SR-22 for a DUI in my state?
  • Can I make deliveries for my home business?
  • What is the rate difference between pleasure use and commuting?
  • Is my teenager covered with friends in the car?
  • Which is better, split liability limits or combined limits?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form. It’s fast, free and can help protect your family.

Auto insurance 101

Understanding the coverages of auto insurance aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage – This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these coverages are identical to your policy’s liability coverage.

Collision – Collision coverage will pay to fix damage to your Escape resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like scraping a guard rail, crashing into a building and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance kick in for bills like X-ray expenses, rehabilitation expenses, EMT expenses, pain medications and nursing services. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverages – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like theft, hitting a deer, rock chips in glass and fire damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Auto liability – Liability insurance will cover damage or injury you incur to other’s property or people in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers things like emergency aid, structural damage, loss of income, pain and suffering and attorney fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

A penny saved is a penny earned

Consumers switch companies for many reasons like high rates after DUI convictions, questionable increases in premium, high prices or even policy non-renewal. It doesn’t matter why you want to switch finding a new car insurance company can be pretty painless.

When trying to cut insurance costs, never reduce needed coverages to save money. In many cases, an insured cut liability coverage limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase plenty of coverage at a price you can afford, but don’t skip important coverages to save money.

Cheaper 2016 Ford Escape insurance is definitely available online in addition to local insurance agencies, so you need to shop auto insurance with both in order to have the best price selection to choose from. Some car insurance companies do not offer rate quotes online and many times these smaller companies sell through local independent agents.

Other resources

Comments About 2016 Ford Escape Insurance

  1. Thao Lee

    Progressive was cheapest for my 2016 Ford Escape in Saint Louis, MO.

  2. Maritza Bender

    It’s all a rip off. Proud to be from Rochester, MN. I quoted with Sentry, Encompass, Progressive, and AIG Insurance for my Escape and am saving around $380 a year. My new agent seems to be really good.

  3. Rupert Mcpherson

    I live just outside Tulsa, OK. I don’t recall every quote but I ended up saving about $60 each month. Highly recommended.

  4. Marchelle Reeves

    From north side of Columbus, Georgia. I quoted with GEICO, Farmers, and The General for my Ford and I think I cut my rates about $30 each month. I think they have home insurance too. Can still barely afford it.

  5. Debra Benson

    Thought I’d throw in my experience. From Memphis, TN. Quoted prices online for a 2016 Ford Escape. Ended up at about $250 savings annually. Went with 21st Century. Left State Farm to switch. Even increased my liability limits.

  6. Claude Holmes

    I’ve insured with Allstate for a long time. Pretty cheap in Cedar Rapids, IA.

  7. Adrian Mann

    If you have a good history and are close to Overland Park, KS, check out 21st Century. You might get cheaper rates.

  8. Aleida Hooper

    I’m just south of Raleigh, NC. Quoted quotes with American Family, Sentry, and a few others for my Ford and I think I saved around $70 each month. I have a couple other vehicles on the policy.

  9. Doria Mejia

    I drive uninsured.

  10. Alejandrina Sexton

    Here’s what I found out. From a town just southwest of Portland, OR. Compared quite a few companies. Saved darn near $40 a month. State Farm was the best choice for me. Was with Progressive. Good multi-policy discounts. Still almost need a second mortgage.

  11. Samantha Wynn

    Not sure if this is cheap. I live in a small town just outside of Norfolk, Virginia. Checked online prices for a 2016 Ford Escape. Ended up at about $120 savings annually. Went with Progressive. Left Auto-Owners to switch. :P

  12. Maryjo Weber

    Corporate greed I’m telling you. I’m from Jacksonville, FL. Quoted with Amica, Encompass, and Sentry for my 2016 Ford Escape and saved around $310 a year. Hopefully won’t need it.