Buying the cheapest insurance for a Ford Escape is dependent upon many rating factors such as how many years you have been driving, the size of your vehicle, and driving citations. Drivers in Texas pay approximately $750 a year for Escape insurance, but that figure is an estimate based on a 30-year-old married male driver with full physical damage coverage and $1,000 deductibles.
When estimating a car insurance rate like we just did, the issue is that you are not 30 years old and maybe not even male, possibly single instead of married, and you might want liability-only or different deductibles. Different coverage needs are the reason why the best way to find cheap car insurance rates for your Ford is to just take the time to compare rates yourself.
Compare Ford Escape Insurance Rates
The trim level of your Ford will most likely have an effect on the coverage cost, so the cost to insure a Escape XLS 2WD trim level will be $80 less than the insurance cost for the higher-end Escape Limited 4WD trim level, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Escape XLS 2WD | $158 | $256 | $324 | $20 | $96 | $854 | $71 |
| Escape XLS 4WD | $158 | $256 | $324 | $20 | $96 | $854 | $71 |
| Escape XLT 2WD | $158 | $256 | $324 | $20 | $96 | $854 | $71 |
| Escape Limited 2WD | $182 | $256 | $324 | $20 | $96 | $878 | $73 |
| Escape XLT 4WD | $182 | $256 | $324 | $20 | $96 | $878 | $73 |
| Escape Limited 4WD | $182 | $312 | $324 | $20 | $96 | $934 | $78 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Rate quotes do not factor in specific zip code location which can alter prices considerably.
Laredo car insurance companies ranked
Ending up with a highly-rated car insurance provider can be rather challenging considering how many companies are available to choose from in Laredo. The company ratings below may help you analyze which car insurance providers to look at comparing rate quotes with. The ratings below are for the companies with a significant amount of written premium nationwide, so companies without a large exposure will not be included in this list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Liberty Mutual | 79 | 87 | 95 | 78% | A | 85.3 |
| Farmers Insurance | 77 | 80 | 80 | 84% | A | 80.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Liability-only versus full coverage
Finding cheaper car insurance is probably important to the majority of people, and one of the fastest ways to pay lower rates for insurance for a Ford Escape is to not insure for full coverage. The chart below illustrates the difference between car insurance rates with full physical damage coverage and with liability coverage only. The premium estimates are based on no claims or violations, $1,000 deductibles, single marital status, and no discounts are factored in.
If the expense is averaged for all age categories, physical damage insurance costs an additional $1,598 per year more than just insuring for liability. That raises the question if you should buy full coverage at all. There isn’t a written rule to drop comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than around 10% of replacement cost minus your deductible, then you might consider buying liability only.
Driving violations and accidents
The obvious way to earn affordable car insurance premiums in Laredo for an Escape is to drive safe and not get tickets or have accidents. The example below demonstrates how traffic citations and at-fault claims can affect auto insurance costs for each age group. The premium estimates are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.
In the previous example, the average cost of an auto insurance policy in Laredo per year with no accidents and a clean driving record is $1,874. Receive one speeding ticket and the average cost swells to $2,180, an increase of $305 each year. Now throw in two accidents along with the one speeding ticket and the 12-month cost of car insurance for a Ford Escape jumps again to an average of $4,659. That’s an increase of $2,785, or $232 per month, just for not keeping your driving record clean!
How to find more affordable insurance for a Ford Escape
The list below details some of the better penny-pinching ideas that can help you locate cheaper car insurance.
- Clean up your credit
- Avoid at-fault accidents and claims
- Drive a car with a high safety rating
- Raise deductibles
- Save money by obeying traffic laws and keeping a clean driving record
- Do not pay for comprehensive and collision coverage on older vehicles
- Compare rates once a year for cheaper prices
The final tip is highly critical, as we hit on in the prior article. Car insurance prices can be adjusted at any time, so don’t hesitate to switch carriers if a better rate can be found. Staying with the same company for years is fine, but it’s not a great idea if it’s costing you a small fortune. If you have a few minutes, compare prices and find cheaper car insurance for a Ford Escape in Laredo.
The insurance agencies below can probably help you make a decision which coverages and limits you need, since some drivers have questions and prefer to get help from a professional when trying to find the best insurance rates for a Ford Escape. It can be difficult to find the cheapest auto insurance company, so getting professional guidance from a licensed agent can bring comfort knowing your coverage gives you sufficient coverage at claim time.
To find an agent closest to you, click the link at the bottom.
- Henri D Kahn Insurance
112 Del Ct – Laredo, TX 78041 – (800) 701-5909 - Amco Insurance
505 Lafayette St – Laredo, TX 78041 – (956) 722-5300 - Fred Loya Insurance
618 W Calton Rd – Laredo, TX 78041 – (956) 723-4414 - Kike Trevino – State Farm Insurance
517 Shiloh Dr #4 – Laredo, TX 78045 – (956) 791-5453