Cheap Insurance Quotes for a Ford Escape in New York

The odds of finding cheap insurance for a Ford Escape in New York is dependent upon a lot of rating factors like the number of years you have been driving, if you are currently insured, and your choice of physical damage deductibles. Drivers on average will pay $780 every 12 months to buy Ford Escape insurance, but that cost is an estimation using rate data for a 30-year-old single male driver with full coverage and $250 deductibles.

But there is a high likelihood that you may not be 30 years old (or even male), possibly married instead of single, or maybe you’ve had an at-fault accident or two. Every auto insurance policy is unique to the driver, so the most reliable method for finding affordable rates for your Ford is to do a thorough rate comparison. It only takes a couple of minutes and you will be able to compare rates from some of the cheapest companies around.

Insure Your Ford for Less

The trim level of your vehicle will influence the coverage cost, so the price you pay to insure a Escape XLS 2WD model will be $90 cheaper than the price to insure the fancier Escape Limited 4WD trim level, as demonstrated by the prices below.

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and New York minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Table data does not factor in your specific New York location which can decrease or increase insurance rates noticeably.

Buying coverage from the highest-rated auto insurance company is hard considering how many companies sell coverage in New York. The information in the lists below may help you pick which car insurance companies you want to consider comparing price quotes from. The ratings below only include companies that insure vehicles nationwide, so companies that only write business in New York or surrounding areas are not taken into consideration for these rankings.

Top 10 Large Auto Insurance Companies in New York Ranked by Claims Service

1. Progressive
2. USAA
3. Liberty Mutual
4. State Farm
5. GEICO
6. Nationwide
7. Allstate
8. The General
9. The Hartford
10. 21st Century

Top 10 Large Auto Insurance Companies in New York Ranked by A.M. Best Rating

1. USAA – A++
2. GEICO – A++
3. Travelers – A++
4. State Farm – A++
5. Allstate – A+
6. Nationwide – A+
7. Esurance – A+
8. Erie Insurance – A+
9. Progressive – A+
10. Mercury Insurance – A+

Top Companies for Ford Escape Insurance in New York

The diagram below highlights how deductible choice can influence insurance premiums when quoting cheap insurance for a Ford Escape. The information is based on a single female driver, full coverage, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2163,1989,1795,1613],[‘Age 30’, 1519,1391,1243,1099],[‘Age 40’, 1407,1289,1157,1027],[‘Age 50’, 1231,1131,1013,899],[‘Age 60’, 1187,1091,977,869],[‘Age 70’, 1371,1261,1139,1023]]);var options = {title: ‘Deductibles and Ford Escape Insurance Rates in New York’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Ford Escape’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

A 40-year-old driver could lower their policy premium by $218 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $332 by choosing a $1,000 deductible. Even younger drivers, like the Age 20 category, could potentially save $550 or more by choosing a higher deductible. When choosing a higher deductible, it’s a good idea to have enough in a savings account to be able to pay the extra out-of-pocket expense, which deters some people from using high deductibles.

Why you should be shopping around

New York auto insurance rates are determined by lots of factors that will increase or decrease the cost of a policy. Simply having a birthday, buying a new vehicle, or getting a ticket for running a stop sign may prompt premium changes that can make some companies much cheaper than others. And not only may your rating factors change, but insurance companies amend premium rates without warning to adjust for heavy claims or excess profits. Larger than normal claims may result in rate increases, while long-term profits can result in lower-priced Escape insurance rates.

The bar chart below analyzes the cheapest car insurance in New York for a 35-year-old male driver with no prior claims, no tickets, and good credit. If we look at prices based on his current risk factors, USAA may have the best car insurance rates in New York at $3,418 a year. This is $1,343 more than the average price paid by New York drivers of $2,075. Erie, Utica National, Travelers, and Progressive round out the rest of the most affordable New York auto insurance companies.

google.charts.setOnLoadCallback(drawNYWitcqcibChart);function drawNYWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘USAA’, 3418, ‘#187C6B’],[‘Erie’, 3614, ‘#146759’],[‘Utica National’, 4288, ‘#10554A’],[‘Travelers’, 4359, ‘#0D463D’],[‘Progressive’, 4442, ‘#0A3A32’]]);var options = {title: ‘Best Cheap Auto Insurance for a Ford Escape’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:4542,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}

Now let’s give the driver from above a claim, a lower credit rating, and a few blemishes on his driving record. Because every insurance company uses their own method to set their prices, getting updated rate quotes may now present a different ranking of companies as shown below.

google.charts.setOnLoadCallback(drawNYWcqcibChart);function drawNYWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘MetLife’, 5031.4, ‘#FF8500’],[‘Amica’, 5209.6, ‘#D46E00’],[‘Preferred Mutual’, 5395.5, ‘#B05B00’],[‘New York Central Mutual’, 5759.6, ‘#924B00’],[‘Erie’, 5782.4, ‘#793E00’]]);var options = {title: ‘Best Rates with Imperfect Driving Record’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:5882.4,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

MetLife now has the cheapest insurance rate in New York with Amica, Preferred Mutual, New York Central Mutual, and Erie now rounding out the top five. This illustrates why drivers need to compare as many rates as possible when trying to get the lowest insurance rates for a Ford Escape.

Insurance prices consist of many factors and change substantially, so the cheapest option when you last compared rates may now be one of the higher cost companies.

How to find cheap insurance for a Ford Escape in New York

Below you’ll find some penny-pinching ideas that can help New York drivers get more affordable coverage.

• Full coverage is expensive so only insure older vehicles for liability only
• Do not get into accidents
• Be a safe driver
• Earn a discount by not filing claims
• Increase your comprehensive and collision deductibles
• Shop around for cheaper prices often

The last item on the list is incredibly significant, as we pointed out in this write-up. Car insurance prices fluctuate considerably, so don’t be hesitant to buy a different policy if you can find a cheaper rate. Loyalty to a specific company is fine, but it isn’t a good idea if that devotedness results in you overpaying hundreds every year. Spend a few minutes and compare prices and find cheaper car insurance for a Ford Escape.

Cheap Ford Escape insurance quotes

You have a lot of ways to purchase auto insurance in New York, but the most prevalent ways are using an independent or non-exclusive agent, an exclusive insurance agency such as State Farm or Liberty Mutual, or direct online or over the phone from a company like Progressive or Geico. They all have the same end result, but it’s good to know the differences in how they price policies.

Independent agents work for many companies and can quote your policy with all of them. Independent agents have the option to give you more rate choices, which can give you the best shot at cutting your rates. If your premiums go up, your agent can switch companies and you don’t have to do anything.

An exclusive ageny is usually just provide rates from just one company, a couple examples are an Auto-Owners or Allstate agent. These guys and gals cannot provide multiple price quotes, so you might not find the best rates.

The third way to buy auto insurance is direct which means you do not use local insurance agents and instead shop direct online or over the phone from a company like Progressive or Esurance. Buying direct may be good for families who have little risk and have a good understanding of what is covered and what is not.

Out of those three methods, which one works best to find cheap insurance for a Ford Escape in New York? We would first guess that buying direct results in the best prices because you bypass the agent, but unfortunately, that is not the case. We could also say that an independent agency saves the most money since they have access to many companies, but again, that’s not accurate. In a lot of cases, exclusive agencies have really good rates that are well below what direct and independents offer.

Since auto insurance companies use so many rating factors, the best method to ensure you are not overpaying is to compare rate quotes from as many companies as possible. If time allows, get rate quotes from independent agents, exclusive agents, and direct companies in order to have enough rates to compare. For a list of companies with online discounts, click here to view.