Finding cheap insurance for a Ford Escape is dependent upon a lot of rating factors such as how many years you have been driving, if you have a tendency to file claims, and physical damage deductibles. Drivers pay approximately $847 a year for Escape insurance, but that cost is calculated based on a 40-year-old married male driver with both comprehensive and collision coverage and $1,000 deductibles.
Most likely you may not be 40 years old (or even male), maybe you are single instead of married, or you just prefer to insure for liability only. This shows why the best method for finding affordable rates for your Ford is to do your own rate comparisons. Get your free quotes now and you can get prices from some of the best insurers in California.
Vehicle trim level will be a contributing factor to the coverage cost, so the price you pay to insure a Escape XLS 2WD will be $82 cheaper than the insurance cost for the higher-end Escape Limited 4WD trim level, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Escape XLS 2WD | $168 | $274 | $386 | $22 | $116 | $966 | $81 |
| Escape XLS 4WD | $168 | $274 | $386 | $22 | $116 | $966 | $81 |
| Escape XLT 2WD | $168 | $274 | $386 | $22 | $116 | $966 | $81 |
| Escape Limited 2WD | $192 | $274 | $386 | $22 | $116 | $990 | $83 |
| Escape XLT 4WD | $192 | $274 | $386 | $22 | $116 | $990 | $83 |
| Escape Limited 4WD | $192 | $332 | $386 | $22 | $116 | $1,048 | $87 |
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Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Rate quotes do not factor in zip code location which can raise or lower prices greatly.
Finding reliable, budget car insurance is confusing at best, and determining which companies quote the lowest-priced insurance rates for a Ford Escape will require even more rate comparisons.
Every insurance provider uses their own method to determine rates, so let’s begin by taking a look at the most competitive insurance companies in Long Beach, CA.
Find Cheaper Auto Insurance for Your Escape
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Wawanesa | $1,157 |
| 3 | Century National | $1,190 |
| 4 | CSAA | $1,222 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,447 |
| 8 | Progressive | $1,512 |
| 9 | Mercury | $1,533 |
| 10 | Allstate | $1,543 |
| 11 | The Hartford | $1,575 |
| 12 | GEICO | $1,575 |
| 13 | Allied | $1,588 |
| 14 | MetLife | $1,590 |
| 15 | Esurance | $1,705 |
| 16 | Unitrin | $1,750 |
| 17 | State Farm | $1,750 |
| 18 | Bristol West | $1,849 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $1,946 |
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USAA generally has some of the best car insurance rates in Long Beach at around $1,109 annually. This is $542 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also are some of the best Long Beach, CA auto insurance companies.
As the rates illustrate above, if you are currently insured with Nationwide and switched to Wawanesa, you might see annual savings of in the neighborhood of $106. Customers with 21st Century may save as much as $168 a year, and Grange insureds might cut rates by $290 a year.
Understand that those premium estimates are averages for all types of insureds and vehicles and are not factoring in an exact location for a Ford Escape. So the insurer that can offer you the best rate may not even be in the top 24 companies in the list above. That points out the importance of why you need to get rate quotes from many companies using your own personal information and vehicle type.
Impact of careless driving on Long Beach insurance rates
In a perfect world, the ideal way to receive good insurance prices for an Escape is to be a safe driver and have a clean driving record. The illustration below shows how traffic citations and accidents can increase auto insurance costs for each age group. Data assumes a single male driver, full coverage, $100 deductibles, and no discounts are applied.
In the prior example, the average cost of car insurance in Long Beach per year with a clean driving record and no accidents is $2,812. Add in two speeding tickets and the average cost rises to $3,745, an increase of $933 each year. Now add two accidents along with the two speeding tickets and the 12-month cost of insurance for a Ford Escape jumps again to an average of $6,900. That’s an increase of $4,088, or $341 per month, just for not keeping your driving record clean!
Types of discounts on Long Beach auto insurance
Car insurance companies that offer cheap quotes for a Ford Escape may also give you policy discounts that may potentially lower prices by 40% or more if you meet specific criteria. A list of companies and a summarized list of policyholder discounts are shown below.
- GEICO offers discounts including federal employee, daytime running lights, seat belt use, military active duty, air bags, and defensive driver.
- MetLife discounts include good driver, accident-free, multi-policy, good student, claim-free, defensive driver
- Progressive policyholders can earn discounts including multi-vehicle, multi-policy, online quote discount, continuous coverage, and online signing.
- Travelers may have discounts that include multi-policy, good student, IntelliDrive, continuous insurance, and early quote.
- SAFECO may include discounts for accident prevention training, anti-theft, homeowner, teen safety rewards, drive less, bundle discounts, and safe driver.
- AAA may offer discounts for good student, education and occupation, anti-theft, multi-car, AAA membership discount, and good driver.
The diagram below visualizes the comparison of auto insurance rates with and without discounts applied to the policy rates. The data assumes a female driver, a clean driving record, no claims, California state minimum liability limits, full physical damage coverage, and $500 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with marriage, defensive driving course, claim-free, homeowner, vehicle safety, and multiple vehicle discounts applied. When discounts are applied, theamount saved on insurance for a Ford Escape is 28% or $549.
Ideas for buying cheaper auto insurance for a Ford Escape
Lowering your rates is not difficult, and here are a few money-saving suggestions that can help drivers get low-cost coverage.
- Insure your home and auto with the same company
- Try to pay small claims out-of-pocket
- Higher deductibles mean lower rates
- Good credit can help you save money
- Do not pay for comprehensive and collision coverage on older vehicles
- Vehicles with safetly features generally cost less to insure
- Compare rate quotes often
The last tip in the list is very valuable, as was stressed in the prior article. Rates in Long Beach change constantly, so don’t be unwilling to switch companies if a cheaper rate is available. Many drivers prefer to stick with one company, but it isn’t a good idea if that loyalty ends up costing hundreds every year. Take a few minutes and compare prices to find cheaper auto insurance for a Ford Escape.
If you would rather have a professional recommendation when shopping for cheaper insurance for an Escape, the agents below can answer your questions and help you decide which policy is best.
To locate an agency in your neighborhood, click the button at the bottom or click here to compare rates now.
- Allstate Insurance: Joilyn Hanley
5520 E 2nd St a – Long Beach, CA 90803 – (562) 438-4663 - Rosanne Sanchez Insurance Agency
1165 E San Antonio Dr – Long Beach, CA 90807 – (310) 874-3933 - Joe Lopez Jr – State Farm Insurance Agent
5199 Pacific Coast Hwy Ste 616 – Long Beach, CA 90804 – (562) 597-5547