Best Cheap Insurance Quotes for a Ford Escape in Montana

When talking about car insurance, the words cheap or affordable should never appear anywhere in the article as a descriptor for car insurance rates. Unfortunately, cheap car insurance for a Ford Escape may be a thing of the past. Don’t let that get you down, though, because we will show you how you can still find coverage that is more budget-friendly.

The chances of buying the cheapest insurance for a Ford Escape in Montana is dependent upon lots of different factors like how you use your Escape, your credit score, and if your driving record shows any at-fault accidents. Drivers on average pay approximately $1,350 every 12 months to buy insurance for a Ford Escape, but that cost is an estimate based on a 30-year-old single male that has comprehensive and collision coverage and $1,000 policy deductibles.

There is a really good chance that you are not a 30-year-old male, you might be married instead of single, or maybe your Escape is an older model. Each driver has unique rating factors, so the most reliable method for finding cheap auto insurance rates for your Ford is to make a habit of comparing prices at least once a year.

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The specific model of Escape can impact the cost of insurance, so the rate you pay to insure a Escape XLS 2WD will be $126 cheaper than the insurance cost for the high end Escape Limited 4WD trim level, as shown below.

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Montana minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Premium amounts do not factor in garaging location in Montana which can increase or decrease price quotes significantly.

Establishing which insurers offer the cheapest car insurance rates for a Ford Escape will take a tad more effort than just getting one or two price quotes.

Each insurance company has their own formula for establishing rates, so let’s take a look at the car insurance companies with the overall best prices in Montana. It’s important that you understand Montana car insurance rates are calculated based on many things that will increase or decrease the price you pay for coverage. Simply improving your credit, becoming a homeowner, or getting caught speeding can trigger changes in premium that can now make some companies more affordable than the competition.

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Safeco offers some of the most affordable car insurance rates in Montana at around $828 a year. Progressive, USAA, State Farm, and MetLife also qualify as some of the more affordable Montana auto insurance companies.

In the above example, if you currently have coverage with USAA and switched to Safeco, you might realize a yearly price reduction of upwards of $216. Insureds with State Farm might save as much as $263 a year, and MetLife customers might lower prices by up to $358 a year.

To find the best cheap insurance for a Ford Escape in Montana for your vehicle, click here to get a free quote or feel free to get quotes from the companies below.

Remember that these rates are averages for all types of drivers and the different vehicles they drive and and are not figured with a specific rating modification for a Ford Escape. So the car insurance company that is best for you may not even be in the above list. That points out the importance of why you need to get quotes using your own individual information.

Do you need full coverage?

Finding the best cheap insurance for a Ford Escape in Montana should be important to most vehicle owners, and one of the fastest ways to find cheaper insurance is to only pay for liability coverage. The example below shows the comparison of insurance costs with full phyical damage coverage and with liability coverage only. The costs are based on a clean driving record, no claims, $500 deductibles, marital status is single, and no policy discounts are applied.

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On average, full coverage costs $2,773 per year more than just insuring for liability. That is a large expense which might make you wonder if buying full coverage is worth the expense. There isn’t a steadfast formula to delete physical damage coverage on your policy, but there is a general guideline you can use. If the yearly cost for physical damage coverage is more than about 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

There are some cases where buying only liability insurance is not a good idea. If you haven’t satisfied your loan, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not buy liability only.

Why are you paying too much for Escape insurance?

Montana car insurance rates are calculated based on many things that control the policy premium. Simply getting older, getting divorced, or getting a few speeding tickets may prompt premium changes that may make certain companies more affordable than others. Not only may your risk profile change, but insurers modify rates every year in order to offset underwriting gains or losses. Higher than normal claims may cause rate hikes, while profitable underwriting may produce cheaper Escape insurance rates.

As an example, the chart below compares the cheapest car insurance in Montana for a 30-year-old female driver with a good driving record, no prior claims, and solid credit. When quoting prices based on her current risk factors, Safeco might quote the most affordable car insurance rates in Montana at $853 a year. This is $467 less than the average price paid by Montana drivers of $1,320. Progressive, USAA, State Farm, and MetLife are also on the list of the cheapest Montana auto insurance companies.

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In this example, we will give the driver from the first example some claims, a lower credit rating, and a couple of points charged on her driving record. Since each insurance company has a different formula for setting prices, comparing rates most likely will result in a slightly different list of the cheapest companies as shown below.

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Progressive now has the best price on car insurance in Montana with Allied, USAA, Farmers, and State Farm completing the list. This example shows why drivers need to shop around when trying to find the cheapest car insurance rates for a Ford Escape. Insurance rates can be altered by many different factors and can decrease or increase without notice, so the best price the last time you shopped your coverage around may now be one of the more expensive options.

How to find more affordable auto insurance for a Ford Escape

The list below shows some penny-pinching ideas that can help drivers buy the cheapest car insurance.

• Ensure your driving record is clean
• Vehicles with safetly features generally cost less to insure
• Earn discounts for being claim-free
• Do not get into accidents that are your fault
• Save money by insuring your home and auto with the same company
• Compare rates once a year for cheaper prices

The last tip in the list is remarkably necessary, as was discussed in this write-up. Prices fluctuate considerably, so don’t be tentative to buy a different policy if a lower price can be found. Having a favorite company is great, but we do not recommend it if that loyalty ends up costing a lot of money every month. Now is a great time to compare rates to find cheaper insurance for a Ford Escape.