Best Cheap Insurance Quotes for a Ford Escape in Wisconsin

Our content editors always give us grief that when writing about auto insurance, the words “affordable” or “cheap” really shouldn’t be used anywhere in the article. Excuse the oxymoron, but cheap car insurance for a Ford Escape just does not exist. Don’t let that spoil your day, because we will teach you how you can find insurance that won’t break the bank.

The odds of finding cheaper auto insurance for a Ford Escape in Wisconsin is contingent on a lot of factors like your marital status, if you are currently insured, and deductible levels for physical damage coverage. Drivers on average will pay $610 per year to buy Ford Escape insurance, but that figure is a ballpark figure assuming a 50-year-old single male driver who needs full coverage including both comprehensive and collision and $250 deductibles.

That rate won’t apply to everyone, because more than likely you are not a 50-year-old male, maybe you are married instead of single, or maybe your Escape doesn’t need comprehensive and collision coverage. Just a minor difference in price quote data can generate big changes in the policy rate.

This illustrates why the way we recommend to find the most affordable coverage for your Ford is to just take the time to compare rates yourself.

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The trim level of your Ford will have an impact the cost of coverage, so the price you will be charged to insure a Escape XLS 2WD will be $72 cheaper than the cost to insure the more expensive Escape Limited 4WD model, as demonstrated by the prices below.

Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Wisconsin minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Prices do not factor in the specific area where the vehicle is garaged which can increase or decrease prices noticeably.

Car insurance company ratings

Choosing the top insurance company can be challenging considering how many companies there are to choose from in Wisconsin. The ranking data in the next section could help you decide which car insurance companies to look at buying from. The ratings below are only made up of large, nationwide insurance companies, so companies that may only write in Wisconsin will not be included in this list.

Top 10 Large Auto Insurance Companies in Wisconsin Ranked by Customer Service

1. State Farm
2. Nationwide
3. Safeco Insurance
4. American Family
5. Travelers
6. Liberty Mutual
7. GEICO
8. Allstate
9. Erie Insurance
10. The Hartford

Top 10 Large Auto Insurance Companies in Wisconsin Ranked by Claims Service

1. Progressive
2. Travelers
3. Liberty Mutual
4. Nationwide
5. USAA
6. AAA Insurance
7. Safeco Insurance
8. GEICO
9. Esurance
10. The General

Top Companies for Ford Escape Insurance in Wisconsin

Does it make sense to buy full coverage?

Finding the best cheap insurance for a Ford Escape in Wisconsin is probably important to most drivers, and one great way to lower the cost of insurance is to only buy liability coverage. The information below shows the comparison of annual premium costs with liability coverage only compared to full coverage. The costs are based on no accidents or driving violations, $500 deductibles, single status, and no additional discounts are factored in.

Averaged out for all age groups, comp and collision coverage costs an extra $1,092 per year more than buying just liability insurance. At some point, every insured wonders when is the right time to remove full coverage. There is no definitive guideline to delete physical damage insurance, but there is a guideline you can consider. If the annual cost of coverage is more than around 10% of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.

There are some circumstances where dropping physical damage coverage is not advised. If you still have a loan on your vehicle, you have to keep full coverage to protect the lienholder’s interest. Also, if you can’t afford to buy a different vehicle if your current one is in an accident, you should not opt for liability only.

Car insurance rates are higher with tickets and accidents

The easiest way to earn the best cheap insurance for a Ford Escape in Wisconsin is to be a careful driver and maintain a clean driving record. The example below demonstrates how speeding tickets and at-fault fender-benders can drive up insurance premiums for each different age group. The price estimates are based on a single male driver, full coverage, $1,000 deductibles, and no policy discounts are applied.

The chart shows that the average cost of car insurance in Wisconsin per year with a clean driving record and no accidents is $992. Factor in one speeding ticket and the average cost increases to $1,119, an increase of $127 each year. Then add in two accidents along with the one speeding ticket and the yearly cost of car insurance for a Ford Escape goes up to an average of $2,288. That’s an increase of $1,296, or $108 per month, just for not being more responsible behind the wheel!

Find the best cheap insurance for a Ford Escape in Wisconsin

Lowering your rates is not difficult, and here are a few money-saving ideas that can help drivers quote lower-cost coverage.

• At-fault accidents will increase rates
• Buy safe vehicles
• Do not get traffic violations
• Higher physical damage deductibles lower rates
• Good credit can save money
• Compare prices frequently to find the best deal

That final tip is extraordinarily vital, as we pointed out in this piece. Car insurance rates in Wisconsin fluctuate constantly, so you should be ready to change insurance companies if a better rate can be found. Staying with the same car insurance company is fine, but we do not recommend it if that dedication is costing a wad of cash every year. Spend a few minutes and compare prices to find cheaper auto insurance for a Ford Escape.