Cheap Insurance for a Ford Escape in Kansas

Our content editors always give us grief that when writing about car insurance, the words cheap or affordable should not be used as a descriptor for auto insurance rates. Forgive the oxymoron, but cheap auto insurance for a Ford Escape is not always easy to find. But fear not, because we will tell you how you can still get auto insurance that you can fit into your budget.

Buying the cheapest coverage for a Ford Escape in Kansas depends on a complicated formula that considers factors such as whether the vehicle is new, if you are currently insured, and your choice of deductibles. Drivers in Kansas pay an average of $920 annually to insure a Ford Escape, but that amount is an estimation rating a 30-year-old single male that purchased full coverage and $100 policy deductibles.

But there is a good chance that you aren’t exactly 30 years old or even a male, married instead of single, or maybe you have a speeding ticket or two that will increase rates. Even a very minor difference in policy rating criteria or coverages can lead to a big change in rate quotes.

Auto insurance is not the same for everyone, so the most reliable method for finding the cheapest coverage for your Ford is to get into the habit of comparing rates once a year.

View Ford Escape Insurance Rates

The specific model of Escape can impact the yearly cost, so the price you pay to insure a Escape XLS 2WD model will be $116 less than the insurance cost for the higher-end Escape Limited 4WD model, as shown in the chart below.

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Kansas minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Premium amounts do not factor in specific garaging location which can impact insurance rates noticeably.

Finding the top auto insurance company can be rather challenging considering how many companies sell coverage in Kansas. The ranking data in the lists below can help you analyze which car insurance companies you want to consider when insurance shopping for a Ford Escape.

The rankings below are only comprised of major nationwide insurance companies, so companies that focus mainly on Kansas business will not be included in this list. To compare prices from these and other competitive companies, follow this link.

Safe drivers pay less for car insurance

The easiest way to maintain the best car insurance premiums in Kansas for an Escape is to drive attentively and avoid at-fault accidents and violations. The example below shows how speeding tickets and at-fault claims can raise car insurance costs for different ages of insureds. Data assumes a married female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.

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The data charted above shows the average cost of an auto insurance policy per year with no accidents or violations is $1,165. Get written up for two speeding tickets and the average cost hikes up to $1,653, an increase of $488 each year. Now add in two accidents along with the two speeding tickets and the annual cost of car insurance for a Ford Escape increases to an average of $3,451. That’s an increase of $2,286, or $191 per month, just for not being attentive to the road!

Should you buy full coverage?

Finding cheap insurance for a Ford Escape in Kansas should be important to most vehicle owners, and one of the quickest ways to buy cheap insurance is to not insure for full coverage. The example below illustrates the comparison of insurance costs with full coverage and liability only. The rates are based on no driving violations, no at-fault accidents, $500 deductibles, marital status is single, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $500 Deductibles’, ‘Liability Only’],[‘Age 20’, 2301,873],[‘Age 30’, 1215,483],[‘Age 40’, 1187,447],[‘Age 50’, 1085,419],[‘Age 60’, 1051,413],[‘Age 70’, 1293,549]]);var options = {title: ‘Full Coverage Versus Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Ford Escape in Kansas’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

If the expense is averaged for all age categories, physical damage insurance costs $1,355 per year more than just buying liability only. That is a large expense which might make you wonder if you should buy full coverage at all. There is no clear-cut rule of when to drop physical damage coverage on your policy, but there is a general guideline. If the yearly cost of full coverage is more than around 10% of the settlement you would receive from your company, then you might want to think about dropping full coverage.

There are some scenarios where buying only liability insurance is not recommended. If you haven’t paid off your loan, you have to carry full coverage to protect the lienholder’s interest. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not consider dropping full coverage.

How to find low-cost car insurance for a Ford Escape

Here are a few money-saving ideas that can help Kansas drivers locate cheaper coverage.

• Higher credit scores can equal lower rates
• Buy vehicles with five-star safety ratings
• Remove physical damage coverage on older vehicles
• Increase your comprehensive and collision deductibles
• Accident-free drivers may qualify for discounts
• Keep your driving record clean
• Compare quotes from other companies often

That last piece of advice is particularly important, as we hit on in this piece. Car insurance prices can be adjusted at any time, so drivers shouldn’t be resistant to buy a different policy if a lower price can be found. Many drivers tend to have loyalty to a certain company, but it’s not recommended if that inflexibility results in costing you a small fortune. Now is a great time to compare rates to find cheaper car insurance for a Ford Escape.

Allstate vs Progressive vs Geico vs State Farm

When it comes to insurance for an Escape in Kansas, four companies to take a look at are Allstate, Progressive, Geico, and State Farm. Between them, they make up over 45% of all policies written. They all have your normal coverages like liability, comprehensive, and collision, but each one offers different features and discounts that buyers can choose from. The data below compares and contrasts pricing and service ratings, as well as optional policy coverages shoppers can find with each company.