How Much Does Insurance Cost for a Ford Escape in Tennessee?

Our content editors always give us grief that when writing about auto insurance, the words cheap or affordable really shouldn’t be used anywhere in the article to describe car insurance prices. The fact is, cheap car insurance for a Ford Escape can be hard to find. Don’t let that discourage you, because we will teach you how you can still find car insurance that fits into your budget.

The chances of buying the cheapest auto insurance for a Ford Escape in Tennessee is dependent upon dozens of factors such as whether you are single or married, if you are currently insured, and deductible levels for physical damage coverage. Drivers in Tennessee pay an average of $670 annually to insure their Escape, but that is an approximation using a 30-year-old single male who requires comprehensive and collision coverage and $1,000 policy deductibles.

Odds are that you aren’t exactly 30 years old or even a male, possibly married instead of single, or maybe you had a chargeable driving offense. There is no “one size fits all” policy, so the best way to quote the cheapest coverage for your Ford is to start the habit of comparing rates at least once a year. Price quotes are quick and you can get prices from some of the most affordable companies that sell coverage in Tennessee.

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The trim level of your Ford will most likely have an effect on the cost of coverage, so the price you will pay to insure a Escape XLS 2WD trim level will be $64 less than the price to insure the fancier Escape Limited 4WD version, as shown by the rates below.

Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Price information does not factor in specific zip code location which can increase or decrease coverage prices greatly.

Picking the top car insurance provider can be rather challenging considering how many choices you have in Tennessee. The ranking information shown below may help you analyze which auto insurers to look at when comparing insurance rates for a Ford Escape.

The ratings below are only comprised of companies that insure vehicles across America, so smaller companies are not taken into consideration for the list. To check rates from these companies and more, click this link.

Top 10 Large Auto Insurance Providers in Tennessee Ranked by Customer Service

1. USAA
2. Travelers
3. AAA Insurance
4. Nationwide
5. Safeco Insurance
6. Progressive
7. State Farm
8. The Hartford
9. The General
10. Esurance

Top 10 Large Auto Insurance Providers in Tennessee Ranked by A.M. Best Rating

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

Top Companies for Ford Escape Insurance in Tennessee

Cost difference between full coverage and liability

Finding cheap insurance for a Ford Escape in Tennessee is important to most vehicle owners, and a good way to save on the cost of insurance is to buy only liability coverage. The diagram below illustrates the comparison of insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Tennessee. The prices are based on no tickets, no at-fault accidents, $250 deductibles, drivers are single, and no discounts are factored in.

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If averaged out across all ages, physical damage coverage costs $1,521 per year over and above liability coverage. That raises the question when is it safe to stop buying full coverage. There is no exact formula to exclude physical damage insurance, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than 10% of any settlement you would receive from your insurance company, then you might consider buying liability only.

There are some scenarios where only buying liability is not in your best interest. If you still have a lienholder on your title, you must maintain physical damage coverage as part of the loan requirements. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not consider dropping full coverage.

Discounts on cheap insurance for a Ford Escape in Tennessee

Auto insurance companies that sell policies for a Ford Escape may also give you price discounts that could reduce prices by 40% or more if you meet specific eligibility requirements. The best car insurance companies and some of their more popular discounts are shown below.

• Travelers may have discounts that include hybrid/electric vehicle, home ownership, driver training, payment discounts, and continuous insurance.
• 21st Century may include discounts for homeowners, anti-lock brakes, good student, teen driver, defensive driver, automatic seat belts, and early bird.
• State Farm has savings for driver’s education, good driver, multiple autos, Steer Clear safe driver discount, anti-theft, multiple policy, and Drive Safe & Save.
• GEICO offers discounts for federal employee, air bags, multi-policy, membership and employees, and anti-lock brakes.
• SAFECO has discounts for anti-lock brakes, bundle discounts, teen safe driver, teen safety rewards, accident prevention training, drive less, and anti-theft.
• AAA offers premium reductions for multi-car, anti-theft, good driver, education and occupation, and multi-policy.

The example below compares insurance premiums with and without discounts applied to the rates. The data is based on a female driver, no violations or accidents, Tennessee state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with homeowner, marriage, multiple policy, claim-free, defensive driving course, and passive restraint discounts applied. When discounts are factored in, the the average yearly reduction on car insurance for a Ford Escape is 27% or $480.

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How to find the cheapest insurance for a Ford Escape

The list below summarizes many money-saving solutions that can help you buy the cheapest coverage.

• Be a cautious driver
• Avoid at-fault accidents and claims
• Increase the comprehensive and collision deductibles on your policy
• Drive safe vehicles
• Increase your credit score
• Do not pay for full coverage if not needed
• Ensure you have the best deal by shopping around regularly

The last idea is especially vital, as we hit on in this piece. Prices charged by car insurance companies can change in a short period of time, so don’t be tentative to buy from a different company if a cheaper price is available.

Having a favorite company is fine, but is isn’t recommended if that devotedness results in you overpaying lots of hard earned cash every month. In just a couple of minutes you could shop around and find cheaper insurance for a Ford Escape.

Who has the cheapest Ford Escape insurance quotes?

Thanks to the internet, there are a lot of ways to quote cheap car insurance rates in Tennessee, but the three most common are either through an independent insurance agent, an exlusive agent like Liberty Mutual or State Farm, or direct either online or via phone.

All three ways are similar, but car insurance shoppers should know the differences in how they give price quotes.

Independent insurance agents work for many companies and can get policy pricing from every one. Independent agents have the option to provide you with more rates, which can give you the best chance of saving money. If a cheaper price is found, the agent simply finds a different carrier without you having to go to a different agency.

A captive, or exclusive, agent is able to quote prices with one insurance company, two popular examples being Allstate or State Farm agents. This type of agents cannot compare rates from other companies, so if rates are high, they cannot give you alternative choices.

Choosing to buy car insurance direct means you bypass an exlusive or independent agent and instead shop direct either online or via phone. This option is a good choice for consumers who have fewer assets and know what specific coverages they need.

Which method is best for finding cheap insurance for a Ford Escape in Tennessee? We’d like to tell you buying from a direct company saves money since it doesn’t require paying agent commissions, but in reality, that is not the case. We could also say that buying car insurance from an independent agent is the best way to go since they have access to many companies, but that assumption is also not accurate. And occasionally, exclusive agencies have price quotes well below independent agents AND direct companies.

Because there are so many factors that make up car insurance rates, the only real way to ensure you are not overpaying for car insurance is to compare lots of quotes. If you have the time, get price quotes from all three to give yourself enough choices. For a list of car insurance companies with low rates, click here to view.

Does State Farm, Progressive, Geico, or Allstate have the cheapest car insurance?

When shopping around for insurance for an Escape in Tennessee, four companies to take a look at are State Farm, Progressive, Geico, and Allstate. The data below ranks price and claims rank as well as some different options that are available for customers.