Ford Escape insurance image courtesy of QuoteInspector.com
Buying competitive auto insurance for a Ford Escape is dependent upon a large number of rating criteria such as whether you are a homeower, the likelihood of vehicle theft, and your driving record. Texas drivers pay approximately $669 annually for Escape insurance, but that cost is an estimation based on a 50-year-old married male driver with both comprehensive and collision coverage and $1,000 deductibles.
This brings up the issue that more than likely you aren't exactly 50 years old or even a male, possibly single instead of married, or maybe you rent instead of own your home. Just a very minor change in the rating criteria used to formulate rates can result in a big discrepancy in the policy cost.
This illustrates why the best method for finding cheap car insurance rates for your Ford is to just take the time to compare rates yourself.
The specific model of Escape tends to have a direct impact on price, so the rate you will pay to insure a Escape XLS 2WD will be $66 less than the insurance cost for the more expensive Escape Limited 4WD trim level, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Escape XLS 2WD | $124 | $218 | $310 | $18 | $94 | $764 | $64 |
| Escape XLS 4WD | $124 | $218 | $310 | $18 | $94 | $764 | $64 |
| Escape XLT 2WD | $124 | $218 | $310 | $18 | $94 | $764 | $64 |
| Escape Limited 2WD | $142 | $218 | $310 | $18 | $94 | $782 | $65 |
| Escape XLT 4WD | $142 | $218 | $310 | $18 | $94 | $782 | $65 |
| Escape Limited 4WD | $142 | $266 | $310 | $18 | $94 | $830 | $69 |
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Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Premium costs do not factor in specific location which can impact auto insurance rates significantly.
Figuring out which insurers offer the best car insurance rates for a Ford Escape may require more work in order to find the lowest price. Each auto insurer has a different formula for determining rates in each state, so let's look at the rankings for the car insurance companies that tend to have lower prices in Austin, TX.
It's important to know that Austin, TX car insurance rates are based on many factors that may substantially change the price of your policy. Simply turning a year older, filing a claim, or getting a ticket for running a stop sign can trigger changes in premium that may make certain companies more affordable than before.
Best Insurance Companies for Your Escape
Travelers offers some of the lowest car insurance rates in Austin at around $1,021 each year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also some of the cheaper Austin, TX car insurance companies.
As shown in the table above, if you have coverage with Texas Farm Bureau and switched to Travelers, you could realize an annual savings of roughly $178. Insureds with Germania Mutual might save as much as $261 a year, and Esurance customers might lower prices by $400 a year.
If you want to see how much you could save, click here to get quotes or quote rates from the companies below.
Remember that these rates are averages across all drivers and vehicles in Texas and and are not figured with a specific vehicle garaging location for a Ford Escape. So the auto insurance company that is best suited for you may not even be in the top 23 companies in the list above. That helps illustrate why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.
Discount Austin car insurance rates
Car insurance companies that offer cheap quotes for a Ford Escape may additionally offer policy discounts that could potentially reduce rates by 25% or more if you meet eligibility requirements. Companies and the discounts they provide are detailed below.
- Progressive offers discounts including continuous coverage, online quote discount, homeowner, multi-policy, and multi-vehicle.
- The Hartford offers discounts for defensive driver, good student, vehicle fuel type, driver training, air bag, and bundle.
- Mercury Insurance offers premium reductions for multi-policy, accident-free, low natural disaster claims, multi-car, and location of vehicle.
- GEICO may include discounts for emergency military deployment, defensive driver, military active duty, air bags, multi-vehicle, membership and employees, and anti-lock brakes.
- AAA policyholders can earn discounts including education and occupation, anti-theft, multi-policy, pay-in-full, and good student.
- State Farm includes discounts for passive restraint, Drive Safe & Save, accident-free, driver's education, Steer Clear safe driver discount, and good driver.
The illustration below illustrates the difference between insurance costs with and without discounts applied to the policy premium. The prices are based on a male driver, no accidents, no driving violations, Texas state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with anti-theft, multiple vehicle, claim-free, passive restraint, safe-driver, and defensive driving course discounts applied. In this example, theaverage yearly reduction on car insurance for a Ford Escape is 28% or $496.
Impact of careless driving on car insurance rates
In a perfect world, the ideal way to find the best car insurance premiums for an Escape is to drive attentively and avoid at-fault accidents and violations. The chart below shows how traffic citations and accidents can impact insurance costs for each different age group. The data assumes a single male driver, full coverage, $250 deductibles, and no other discounts are factored in.
In the chart above, the average cost of a car insurance policy per year with no accidents and a clean driving record is $2,046. Receive two speeding tickets and the average cost swells to $2,711, an increase of $665 each year. Now add in two accidents along with the two speeding tickets and the 12-month cost of car insurance for a Ford Escape goes up to an average of $5,115. That's an increase of $3,069, or $256 per month, just for being a little careless behind the wheel!
How to find economical car insurance for a Ford Escape
The list below details some of the recommended thrifty suggestions that can help Austin drivers buy cheaper coverage.
- Avoid getting tickets or violations
- Bundle car and home insurance and save money
- Avoid preventable accidents
- Buy vehicles with good safety ratings
- Pay less by remaining claim-free
- Comparison shop at least once a year
That last idea is extremely crucial, as was emphasized in this write-up. Prices charged by auto insurers adjust often, so don't be hesitant to buy from a new company if a more affordable price is available. Many drivers prefer to stick with one company, but we do not recommend it if it's costing you money that could be going to better use. If you have a few minutes, compare prices to find cheaper car insurance for a Ford Escape in Austin.
If you aren't sure which coverage to buy and prefer to have a consultation when shopping for the best coverage for an Escape, the professional agents shown below can most likely provide answers to your questions and help you determine which coverages you need.
To find an agent by location nearest to you, click the button below the list.
- Austin Insurance Group
9705 Burnet Rd #314 - Austin, TX 78758 - (512) 339-2901 - Nationwide Insurance: Bill Russell Insurance Agency Inc
9015 Mountain Ridge Dr #350 - Austin, TX 78759 - (512) 343-1106 - Stuart Nalewaik - State Farm Insurance Agent
1717 W 6th St #214 - Austin, TX 78703 - (512) 382-6019 - Robert Ndegwa - State Farm Insurance Agent
1200 W Howard Ln f - Austin, TX 78753 - (512) 837-8818 - Bridgette Hearne - State Farm Insurance Agent
3407 W Slaughter Ln b - Austin, TX 78748 - (512) 441-3704