Finding economical car insurance for a Ford Escape in California is pretty simple, but it is dependent upon lots of different rating factors such as whether you are single or married, your credit history, and any past driving violations you may have had. Drivers in California will pay around $1,213 per year for Escape insurance, but that cost is an estimate based upon a 40-year-old married female driver with both comprehensive and collision coverage and $100 deductibles.
It’s more than likely you are not 40 years old and maybe not even female, maybe you are single instead of married, or maybe your Escape doesn’t need full coverage. Not every driver requires the same auto insurance coverages, so the way we recommend to find cheap auto insurance rates for your Ford is to compare as many rates as you can. Quotes are free and you will receive price comparisons from some of the best companies that sell coverage in California.
The specific trim level tends to impact the annual cost of coverage, so the price you will pay to insure a Escape XLS 2WD will be $160 cheaper than the insurance cost for the more expensive Escape Limited 4WD version, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Escape XLS 2WD||$284||$554||$394||$24||$118||$1,374||$115|
|Escape XLS 4WD||$284||$554||$394||$24||$118||$1,374||$115|
|Escape XLT 2WD||$284||$554||$394||$24||$118||$1,374||$115|
|Escape Limited 2WD||$326||$554||$394||$24||$118||$1,416||$118|
|Escape XLT 4WD||$326||$554||$394||$24||$118||$1,416||$118|
|Escape Limited 4WD||$326||$672||$394||$24||$118||$1,534||$128|
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Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Price information does not factor in the specific area where the vehicle is garaged which can raise or lower premiums greatly.
Finding reliable, budget auto insurance is difficult, and deciding which company quotes the cheapest insurance rates for a Ford Escape involves additional perseverance. Every car insurance company has their own guidelines to determine premium rates, so let’s begin by taking a look at the insurance companies with the overall cheapest rates in California.
It’s important that readers know that San Diego, CA insurance rates are impacted by many things which can substantially change the price of coverage. Turning one year older, adding a teenager to your policy, or getting a reckless driving citation can cause premium changes resulting in some companies being more affordable than before.
Cheapest Insurance Rates for Your Escape
|Rank||Company||Cost Per Year|
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USAA quotes some of the cheapest car insurance rates in San Diego at around $1,109 a year. Wawanesa, CSAA, Century National, and Nationwide would also be considered some of the cheapest San Diego, CA car insurance companies.
In this example, if you buy coverage from Wawanesa and switched to USAA, you could see annual savings of roughly $72. Drivers with CSAA might save as much as $77 a year, and Century National customers might reduce rates by $117 a year.
Remember that these policy prices are averages for all insureds and vehicles and are not factoring in a specific vehicle garaging location for a Ford Escape. So the car insurance company that is most affordable for your situation may not even be in the list above. That affirms the importance of why you need to compare rates from as many companies as possible using your own personal information and vehicle type.
Liability rates compared to full coverage
Reducing premiums for insurance is important to the majority of people, and one way to pay less for insurance for a Ford Escape is to not insure for full coverage. The illustration below compares premium costs with and without physical damage coverage. The premiums assume no accidents or driving violations, $100 deductibles, drivers are not married, and no other discounts are factored in.
If averaged out across all ages, physical damage coverage costs $2,525 per year over and above liability coverage. That is a large expense and it proposes the question when is it a good idea to stop buying full coverage. There is no exact rule to drop full coverage, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than 10% of the settlement you would receive from your company, then you might want to consider buying only liability coverage.
For example, let’s pretend your vehicle’s settlement value is $4,000 and you have $1,000 deductibles. If your vehicle is destroyed, you would only receive $3,000 after you pay the deductible. If it’s costing you more than $300 a year for your policy with full coverage, then it’s probably a good time to buy liability coverage only.
There are some situations where buying only liability insurance is not a good plan. If you still have a loan on your vehicle, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not buy liability only.
Shop around and save
California insurance rates are calculated based on many things which can substantially change the cost of coverage. Simply turning a year older, buying a different vehicle, or getting a ticket for running a stop sign can trigger price changes that may make certain companies affordable when they were higher priced. Not only that, but companies change the rates they charge in California at least once a year in order to offset underwriting gains or losses. Unexpectedly high claims may cause higher prices, while a lower level of claims can result in cheaper Escape insurance rates.
For instance, the bar chart below shows the company with the cheapest car insurance in San Diego, CA for a 40-year-old male driver with no prior claims, no tickets, and good financial standing. If we estimate rates based on his personal risk profile, USAA might quote the cheapest car insurance rates in San Diego at $1,216 each year. This is $435 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also included in the cheapest San Diego, CA auto insurance companies.
In this next rate comparison, we will give the driver from the first example an accident claim, a little lower credit rating, and a traffic citation. Because each insurer has a different formula for filing rates in each state, analyzing rates will most likely result in a different set of affordable companies as shown below.
Grange now has the best auto insurance rate in San Diego, CA with Mercury, Progressive, Allstate, and GEICO completing the list. This example illustrates why it is important to shop around with many companies when trying to find the most budget-friendly insurance quotes for a Ford Escape. Insurance rates are impacted by many different factors and change frequently, so the best price a year ago may now be wasting a lot of money.
How to find economical car insurance for a Ford Escape
Here are a few penny-pinching suggestions that can help San Diego drivers get lower-cost coverage.
- Good credit can mean cheaper rates
- Being accident-free can lower rates significantly
- Higher deductibles mean lower rates
- Do not pay for full coverage on older vehicles
- Avoid speeding and other traffic citations and pay less
- The safer your car, the less it costs to insure
- Compare prices frequently to find the best deal
The last tip is extraordinarily valuable, as was affirmed in this piece. Coverage rates in San Diego go up and down frequently, so don’t be unwilling to switch to a new company if you can find a cheaper rate.
Brand loyalty is great, but it isn’t a good idea if that dedication is costing potentially thousands of dollars a year. Now is a great time to shop around and 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 professional agents shown below can help you make a decision which coverage meets your needs best.
To find an auto insurance agency close to where you live, click the button below the list.
David Thompson – State Farm Insurance Agent
7061 Clairemont Mesa Blvd Ste 217 – San Diego, CA 92111 – (858) 560-5400
Matt Kalla – State Farm Insurance Agent
4148 Voltaire St – San Diego, CA 92107 – (619) 223-1629
3945 Idaho St – San Diego, CA 92104 – (619) 293-3800
Mike Moore – State Farm Insurance Agent
12880 Rancho Penasquitos Blvd d – San Diego, CA 92129 – (858) 484-1297
B H Gold Insurance
9699 Tierra Grande St # 100 – San Diego, CA 92126 – (800) 421-4653