Best Cheap Insurance for a Ford Escape in Louisiana

Our editors have a joke that when writing about car insurance, the words “cheap” or “affordable” should never be used anywhere in the article to describe car insurance rates. Be that as it may, cheap car insurance for a Ford Escape is just plain contradictory. But don’t despair, because we will teach you how you can find coverage that is cheaper than what you are paying now.

The chances that you’ll find cheap coverage for a Ford Escape in Louisiana hinges on lots of different factors like how experienced of a driver you are, your address, and violations on your driving record. Drivers in Louisiana on average will pay $1,200 annually to buy insurance for a Ford Escape, but that amount is a ballpark figure using cost data for a 40-year-old single male driver who purchased full coverage including both comprehensive and collision and $500 physical damage deductibles.

There’s a high likelihood you may not be 40 years old (or even male), maybe you are married instead of single, or you want lower deductibles. Having what appears to be a very minor change in input factors can result in big changes in the cost of insurance for a Ford Escape.

Auto insurance is not “one size fits all”, so the only real way to find cheap insurance rates for your Ford is to quote often and with as many companies as possible.

Find Cheaper Ford Escape Insurance

Vehicle trim level will have an impact the annual cost of coverage, so the cost to insure a Escape XLS 2WD model will be $136 less than the price to insure the more expensive Escape Limited 4WD trim level, as demonstrated by the prices below.

Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Louisiana minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Information does not factor in Louisiana location which can decrease or increase prices significantly.

Which insurance company is best in Louisiana?

Insuring your vehicle with the top car insurance company is difficult considering how many different companies there are to choose from in Louisiana. The rank data displayed below may help you pick which auto insurance companies to look at buying from. The ratings below are for companies who write in the majority of U.S. states, so companies that only write business in Louisiana or surrounding areas will not be included in this list.

Top 10 Major Auto Insurance Providers in Louisiana Ranked by Claims Service

1. Allstate
2. State Farm
3. American Family
4. GEICO
5. Liberty Mutual
6. Esurance
7. AAA Insurance
8. The Hartford
9. 21st Century
10. The General

Top Companies for Ford Escape Insurance in Louisiana

The chart below shows how choosing a deductible can raise or lower insurance costs when trying to find cheap insurance for a Ford Escape. The data assumes a single male driver, full coverage, and no discounts are applied.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 4553,4151,3713,3299],[‘Age 30’, 2363,2175,1955,1743],[‘Age 40’, 2339,2141,1911,1693],[‘Age 50’, 2127,1949,1745,1551],[‘Age 60’, 2055,1883,1689,1503],[‘Age 70’, 2491,2297,2079,1873]]);var options = {title: ‘Comparison of Deductible Levels and Ford Escape Insurance Rates in Louisiana’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Ford Escape’,minValue: 0,format: ‘$###,###’},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);}

The data above shows that a 30-year-old driver could reduce rates by $428 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $646 by switching to a $1,000 deductible. Younger drivers, like the age 20 example, can cut up to $1,254 every year just by choosing higher deductibles. When using a larger deductible, it will be necessary to have plenty of money set aside to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

Cost of full coverage

Finding the best cheap insurance for a Ford Escape in Louisiana is important to most vehicle owners, and one good way to pay less for insurance is to not buy comprehensive and collision coverage. The diagram below illustrates the comparison of auto insurance rates when comparing full coverage to liability only. Data assumes no violations or claims, $250 deductibles, marital status is single, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $250 Deductibles’, ‘Liability Only’],[‘Age 20’, 4151,1399],[‘Age 30’, 2175,767],[‘Age 40’, 2141,711],[‘Age 50’, 1949,665],[‘Age 60’, 1883,653],[‘Age 70’, 2297,875]]);var options = {title: ‘Full Versus Liability Only Rates’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Ford Escape in Louisiana’,minValue: 0,format: ‘$###,###’},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);}

Averaged for all ages 20 through 70, physical damage coverage on your policy costs $2,433 per year more than carrying just liability coverage. That raises the question if you should buy full coverage. There is no definitive rule of when to eliminate comp and collision coverage, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

For example, let’s assume your vehicle’s replacement cost is $6,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company will settle for is $5,000 after the deductible is paid. If you are paying in excess of $500 a year for comprehensive and collision coverage, then it could be time to drop full coverage.

Which car insurance company is best?

When it comes to insurance for an Escape in Louisiana, some of the largest companies to start with are Allstate, Progressive, State Farm, and Geico. Between them, they insure over 48% of the entire U.S. market share. All offer your standard physical damage and liability coverages, but each one has a slightly different set of options and discounts that shoppers can select from. The next table compares and contrasts ratings for price and service, as well as some optional coverages you can expect with each one.