Finding cheap car insurance for a Ford Escape in Florida can be pretty simple, but it depends on a lot of rating criteria such as miles driven annually, whether or not you have filed claims in the past, and physical damage deductibles. Drivers in Florida will pay on average $831 annually to insure their Escape, but that is an estimation calculated based on a 50-year-old married male driver with full physical damage coverage and $500 deductibles.
This brings up the issue that more than likely you are not 50 and maybe not even a male, you might be single instead of married, or maybe you have a teen driver on your policy that needs to be considered. Having the smallest difference in rating variables or coverage information can make a large difference in how much coverage for a Ford Escape costs.
Insurance is an individual thing, so the best way to find cheap insurance rates for your Ford is to compare as many rates as you can. It only takes a couple of minutes and you can get prices from top-rated companies that insure Ford vehicles in Florida.
Vehicle trim level will influence the insurance rate, so the price you will be charged to insure a Escape XLS 2WD trim level will be $92 less expensive the price to insure the higher-end Escape Limited 4WD model, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Escape XLS 2WD||$178||$306||$340||$20||$102||$946||$79|
|Escape XLS 4WD||$178||$306||$340||$20||$102||$946||$79|
|Escape XLT 2WD||$178||$306||$340||$20||$102||$946||$79|
|Escape Limited 2WD||$204||$306||$340||$20||$102||$972||$81|
|Escape XLT 4WD||$204||$306||$340||$20||$102||$972||$81|
|Escape Limited 4WD||$204||$372||$340||$20||$102||$1,038||$87|
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Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Estimates do not factor in the specific area where the vehicle is garaged which can alter auto insurance rates greatly.
Finding out which companies have the lowest-priced car insurance rates for a Ford Escape calls for more time than just comparing rates from one or two companies. Each company has a different formula to determine rates, so let’s take a look at the overall cheapest car insurance companies in Florida.
Best Cheap Insurance Rates for Your Escape
|Rank||Company||Cost Per Year|
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USAA normally has some of the most affordable car insurance rates in Jacksonville at around $986 each year. This is $1,462 less than the average rate paid by Florida drivers of $2,448. Amica, Electric, Progressive, and Travelers also make the cut as some of the most economical Jacksonville, FL insurance companies.
In the above rates, if you are insured with Progressive and switched to Amica, you might achieve annual savings of about $81. Drivers with Travelers could save as much as $232 a year, and Mercury customers might reduce prices by as much as $279 a year.
If you want to see how much you could save, click here to begin a quote or click several companies below for low rates.
Remember that these policy prices are averages across all types of drivers and the different vehicles they drive and do not factor 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 top 21 companies shown above. That affirms the importance of why you need to get rate quotes using your own personalized driver profile and vehicle information.
Drive responsibly or pay higher rates
The common sense way to earn affordable car insurance rates for an Escape is to drive carefully and avoid accidents and traffic violations. The information below shows how traffic citations and at-fault collisions raise insurance rates for different ages of insureds. The data is based on a single female driver, comp and collision included, $100 deductibles, and no discounts are applied.
The data in the chart shows the average cost of a car insurance policy per year with no accidents or violations is $2,316. Get one speeding ticket and the average cost swells to $2,623, an increase of $308 each year. Then add in one accident along with the one speeding ticket and the 12-month cost of car insurance for a Ford Escape increases to an average of $3,481. That’s an increase of $1,166, or $97 per month, just for not driving attentively!
The importance of shopping around for Escape insurance
Florida car insurance rates are influenced by many factors which can substantially change the price you have to pay. Turning one year older, adding a teenager to your policy, or getting a DUI can trigger rate changes resulting in some companies being cheaper than before. Additionally, auto insurance companies file new rates every year or even multiple times each year to reflect underwriting profits or losses. Heavier than normal losses may result in additional price hikes, while lower claim expenses may cause more affordable Escape insurance rates.
As an example, the graph below shows rates for the cheapest car insurance in Jacksonville, FL for a 40-year-old male driver with no accidents, a clean driving record, and good credit. If we look at prices based on his current risk factors, USAA may have the best car insurance rates in Jacksonville at $1,186 each year. This is $1,262 less than the average price paid by Florida drivers of $2,448. Amica, Electric, Progressive, and Travelers are the rest of the cheapest Jacksonville, FL auto insurance companies.
Now we will give the driver from the first rate comparison an accident claim, a lower credit score, and a few traffic violations. Due to the fact that each insurance company has their own formula to determine rates, analyzing rates may now result in a substantially altered list of affordable Jacksonville car insurance companies as shown below.
USAA now has the best price in Jacksonville, FL with Allied, Esurance, State Farm, and Auto-Owners now being in the top five. This illustrates why it is critical to perform an extensive rate comparison to find the most affordable car insurance rates for a Ford Escape. Prices can be altered by many different factors and can decrease or increase without notice, so the most affordable company when you last compared rates may now be priced much higher than other options.
Ideas to find economical insurance for a Ford Escape
The list below shows some of the better money-saving solutions that can help drivers quote low-cost car insurance.
- Just one traffic violation will increase your rates
- Buy a car with high safety ratings
- Bundle home and auto and earn a discount
- Prevent price hikes by avoiding at-fault accidents
- Avoid filing excessive claims
- Compare prices frequently to find the best deal
That final tip is certainly significant, as was discussed in this piece. Prices charged by auto insurers can change significantly in a year, so drivers shouldn’t hesitate to switch companies if you can find a cheaper rate.
Having brand loyalty is commendable, but it’s not a great idea if that inflexibility results in costing you potentially thousands of dollars a year. Spend a few minutes and shop around and find cheaper insurance for a Ford Escape in Jacksonville.
If you aren’t sure which coverage you need and prefer to have a little guidance when shopping around for cheaper insurance for a Ford Escape, the agents listed below are willing to provide answers to your questions and help you determine which insurance coverage you need. To find a Jacksonville insurance agency near you, click the link after the list or click here to compare price quotes now.
- All Lines Insurance Agency
4828 Blanding Blvd Suite 1 – Jacksonville, FL 32210 – (904) 376-7200
- John Brooks – State Farm Insurance Agent
11362 San Jose Blvd #19 – Jacksonville, FL 32223 – (904) 880-9060
- Parvez Sahotra – State Farm Insurance Agent
3267 Hodges Blvd #14 – Jacksonville, FL 32224 – (904) 221-1161