Cheap Insurance Quotes for a Ford Escape in Indiana

When discussing auto insurance, the word cheap should never be used anywhere to describe car insurance rates. Excuse the oxymoron, but cheap auto insurance for a Ford Escape can be extremely hard to find. But don’t let that discourage you, because we are going to tell you how you can still get coverage that works with your budget.

Your ability to find the cheapest coverage for a Ford Escape in Indiana hinges on a lot of things such as how you use your Escape, your residence address, and any prior driving offenses. Drivers pay on average $830 every 12 months to insure their Escape, but that cost is a projection that uses a 30-year-old single male driver that wants full comprehensive and collision coverage and $250 policy deductibles.

If we were betting, you are not 30 and maybe not even a male, possibly married instead of single, or you need different physical damage deductibles. Everyone has different rating factors, so the only way to find cheap insurance rates for your Ford is to do a thorough rate comparison.

Click to Compare Rates Now

Your Ford’s trim level tends to have a direct impact on price, so the cost to insure a Escape XLS 2WD trim level will be $98 lower than the price to insure the more expensive Escape Limited 4WD model, as shown in the chart below.

Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Table data does not factor in specific location which can decrease or increase coverage prices greatly.

Finding a good quality car insurance provider can be difficult considering how many choices you have in Indiana. The ranking data listed below may help you decide which providers to look at when comparing auto insurance rates for a Ford Escape. These ratings are only made up of the largest auto insurers in America, so smaller companies will not be included in this list.

Top 10 Large Auto Insurers in Indiana Ranked by A.M. Best Rating

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

Top 10 Large Auto Insurers Overall in Indiana

1. USAA
2. 21st Century
3. GEICO
4. Nationwide
5. AAA Insurance
6. Liberty Mutual
7. Safeco Insurance
8. State Farm
9. Travelers
10. American Family

Top Companies for Ford Escape Insurance in Indiana

Full coverage or liability only

Finding cheap insurance for a Ford Escape in Indiana should be important to the majority of vehicle owners, and one good way to find cheaper insurance is to not insure for full coverage. The diagram below compares yearly insurance costs with full coverage and liability only. The costs are based on no accidents, no driving violations, $500 deductibles, marital status is single, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $500 Deductibles’, ‘Liability Only’],[‘Age 20’, 2251,855],[‘Age 30’, 1193,473],[‘Age 40’, 1165,439],[‘Age 50’, 1063,411],[‘Age 60’, 1031,405],[‘Age 70’, 1265,539]]);var options = {title: ‘Full Coverage and Liability Only Rates’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Ford Escape in Indiana’,minValue: 0,format: ‘$###,###’},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 out for all age groups, physical damage coverage costs $1,328 per year more than just buying liability insurance. That proposes the question when is the right time to remove full coverage. There is no clear-cut rule to stop buying comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of coverage is about 10% or more of replacement cost minus your deductible, then you might want to think about dropping full coverage.

State Farm, Progressive, Allstate, and Geico: Who is best?

If you are looking for the best insurance for an Escape in Indiana, four companies you’ll want quotes from are State Farm, Progressive, Allstate, and Geico. All four can cover your vehicle for liability and physical damage, but each one has a little bit different set of discounts and options that may influence which company you choose. The following table compares ratings and policy coverage options shoppers can find with each company.