Buying affordable car insurance for a Ford Escape doesn't take too much effort, but it is dependent upon a fairly complex equation with a lot of factors such as whether you own a home, the likelihood of your vehicle being stolen, and any past driving violations you may have had. Ohio drivers pay around $659 a year for Escape insurance, but that cost is using a 40-year-old single male driver with full comprehensive and collision coverage and $250 deductibles.
But there is a high likelihood that you're not a 40-year-old male, married instead of single, and you want different coverage limits than the example. Even a slight difference in rating variables or coverage information can result in a large change in how much coverage for a Ford Escape costs.
There is no perfect policy for every driver, so the best method for finding the cheapest coverage for your Ford is to do a thorough rate comparison. Do a quick rate comparison now and you can get rates from top-rated car insurance companies that sell coverage in Ohio.
Vehicle trim level can impact price, so the cost to insure a Escape XLS 2WD trim level will be $82 cheaper than the price to insure the high end Escape Limited 4WD trim level, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Escape XLS 2WD||$150||$280||$234||$14||$70||$748||$62|
|Escape XLS 4WD||$150||$280||$234||$14||$70||$748||$62|
|Escape XLT 2WD||$150||$280||$234||$14||$70||$748||$62|
|Escape Limited 2WD||$172||$280||$234||$14||$70||$770||$64|
|Escape XLT 4WD||$172||$280||$234||$14||$70||$770||$64|
|Escape Limited 4WD||$172||$340||$234||$14||$70||$830||$69|
|Get Your Own Custom Quote Go|
Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Rate information does not factor in vehicle garaging location which can change price quotes noticeably.
Buying coverage from the right car insurance provider can be challenging considering how many different companies insure vehicles in Ohio. The company information in the lists below can help you select which auto insurers you want to consider when looking for cheaper rates. The ratings below are for companies who write in the majority of U.S. states, so companies without a large exposure are not included in this list.
Top 10 Large Auto Insurance Providers in Columbus Ranked by Customer Satisfaction
- USAA - 92%
- Erie Insurance - 88%
- American Family - 88%
- State Farm - 88%
- Nationwide - 88%
- 21st Century - 88%
- AAA Insurance - 87%
- Liberty Mutual - 87%
- Farmers Insurance - 87%
- The Hartford - 87%
Top 10 Large Auto Insurance Providers in Columbus Ranked by Customer Service
- State Farm
- Safeco Insurance
- American Family
- Titan Insurance
- Liberty Mutual
- Erie Insurance
How careless driving impacts Columbus insurance rates
The easiest way to receive low insurance prices for an Escape is to be an attentive driver and avoid accidents and traffic citations. The illustration below shows how violations and fender-benders can affect insurance costs for each age group. The data assumes a single female driver, full physical damage coverage, $250 deductibles, and no discounts are applied.
In the chart above, the average cost of auto insurance per year with no accidents and a clean driving record is $1,257. Get written up for one speeding ticket and the average cost increases to $1,423, an increase of $166 each year. Then add two accidents along with the one speeding ticket and the yearly cost of insurance for a Ford Escape goes up to an average of $2,811. That's an increase of $1,553, or $129 per month, just for not keeping your driving record clean!
Full coverage rates compared to liability-only
Buying cheaper insurance is important to most people, and one great way to buy cheaper insurance for a Ford Escape is to buy liability only. The example below visualizes the comparison of insurance prices with and without full coverage. The data assumes no violations or accidents, $1,000 deductibles, drivers are single, and no other discounts are factored in.
If we average the cost for all age groups, comprehensive and collision coverage on your policy costs an extra $961 per year more than carrying just liability coverage. That touches on the question if it's a good idea to buy full coverage. There is no set guideline for excluding physical damage coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is 10% or more of the settlement you would receive from your company, then it's probably a good time to buy liability coverage only.
There are a few situations where dropping physical damage coverage is not recommended. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should keep full coverage.
How to find cheaper auto insurance for a Ford Escape
It's not impossible to find cheaper rates, and here are many money-saving ideas that can help Columbus drivers quote cheap car insurance.
- Drop full coverage on older vehicles
- Vehicles with good safety ratings have lower liability rates
- Buying home and auto insurance together can earn discounts
- Too many claims can make car insurance unaffordable
- Be a safe driver
- Remain accident-free and save
- Compare rate quotes often
The last tip is highly crucial, as was affirmed in the article above. Insurance rates in Columbus go up and down frequently, so you should be ready to buy a policy from a new company if a better rate can be found. Having brand loyalty is commendable, but it's not a great idea if that faithfulness ends up costing you lots of money. It takes less than five minutes to shop around to find cheaper insurance for a Ford Escape.
The agents below can answer your questions and help you decide which auto insurance coverages would be the best in your situation, as some people have coverage questions and would like to have some advice when shopping around for cheaper insurance for an Escape. It can be complicated to find the cheapest auto insurance company, so insurance agents can add peace of mind knowing your policy gives you suitable coverage if you have an accident. To find an agent close to where you live, click the link after the list or click here to compare rates now.
- Jonathan Yu - State Farm Insurance Agent
1930 Crown Park Ct #140 - Columbus, OH 43235 - (614) 885-9507
- Bruce Rothermund - State Farm Insurance Agent
50 Northwoods Blvd - Columbus, OH 43235 - (614) 888-5830
- American Family Insurance - Felix Quachey
1100 Morse Rd Ste 301 - Columbus, OH 43229 - (614) 536-0237