Cheap Insurance Quotes for a Ford Escape in Pennsylvania

Your odds of finding cheaper auto insurance for a Ford Escape in Pennsylvania hinges on a fairly complex equation with a lot of factors like how long your commute is, if you have ever let your policy lapse, and if your driving record shows any at-fault accidents. Pennsylvania drivers pay approximately $680 a year to buy Ford Escape insurance, but that is a projection assuming a 50-year-old single male that includes both comprehensive and collision coverage and $1,000 deductibles.

But there is a good chance that you are not 50 years old and maybe not even male, maybe you are married instead of single, or maybe you rent instead of own your home. Just a slight change in policy rating factors can produce large changes in policy price.

Auto insurance prices are based on the driver profile the only way to find the cheapest rates for your Ford is to just take the time to compare rates yourself.

Find Cheaper Ford Escape Insurance

Your vehicle’s trim level will be a contributing factor to the annual cost of coverage, so the price you will be charged to insure a Escape XLS 2WD model will be $68 less expensive the insurance cost for the more costly Escape Limited 4WD version, as shown below.

Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Rate quotes do not factor in garaging location in Pennsylvania which can influence rates greatly.

Which auto insurance company is best in Pennsylvania?

Picking a highly-rated car insurance provider can be difficult considering how many companies there are in Pennsylvania. The ranking information displayed below may help you decide which companies you want to consider when trying to find cheaper insurance for a Ford Escape. These ratings include the largest companies in America, so companies that focus mainly on Pennsylvania business are not factored into this list.

Top 10 Large Auto Insurers Overall in Pennsylvania

1. The General
2. Titan Insurance
3. The Hartford
4. Progressive
5. Travelers
6. State Farm
7. Farmers Insurance
8. Erie Insurance
9. Safeco Insurance
10. USAA

Top Companies for Ford Escape Insurance in Pennsylvania

How accidents and tickets impact rates in Pennsylvania

The easiest way to earn cheap insurance for a Ford Escape in Pennsylvania is to be an attentive driver and avoid accidents and keep your driving record clean. The diagram below illustrates how speeding tickets and fender-benders drive up insurance prices for different ages of insureds. The costs are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 2469,3043,5117],[‘Age 30’, 1725,2297,4375],[‘Age 40’, 1597,2173,4247],[‘Age 50’, 1401,1975,4051],[‘Age 60’, 1351,1925,3999],[‘Age 70’, 1563,2139,4215]]);var options = {title: ‘Violations, Accidents, and Pennsylvania Ford Escape Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Ford Escape in Pennsylvania’,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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the previous example, the average cost of car insurance in Pennsylvania per year with no accidents and a clean driving record is $1,684. Receive two speeding tickets and the average cost increases to $2,259, an increase of $574 each year. Now get two accidents along with the two speeding tickets and the annual cost of auto insurance for a Ford Escape goes up to an average of $4,334. That’s an increase of $2,650, or $221 per month, just for being a careless driver!

Discounts on Pennsylvania car insurance

Auto insurance companies that sell cheap insurance for a Ford Escape in Pennsylvania may provide policy discounts that may potentially lower prices by 30% or more if you are eligible. A few popular companies and a selection of discounts are detailed below.

• GEICO offers discounts including membership and employees, federal employee, driver training, multi-policy, and anti-theft.
• MetLife policyholders can earn discounts including accident-free, multi-policy, good driver, good student, defensive driver, and claim-free.
• Progressive discounts include online quote discount, multi-vehicle, homeowner, multi-policy, and good student.
• Travelers offers discounts for home ownership, save driver, multi-policy, new car, payment discounts, and multi-car.
• SAFECO may have discounts that include multi-car, teen safety rewards, accident prevention training, safe driver, homeowner, anti-theft, and anti-lock brakes.
• AAA includes discounts for good driver, good student, education and occupation, AAA membership discount, anti-theft, multi-policy, and pay-in-full.

The diagram below compares insurance costs with and without some available policy discounts. The premiums are based on a male driver, no accidents or driving violations, Pennsylvania state minimum liability limits, full physical damage coverage, and $250 deductibles.

The first bar for each age group shows the price with no discounts. The second bar shows the rates with passive restraint, defensive driving course, accident-free, homeowner, multiple vehicle, and vehicle safety discounts applied. When taking advantage of discounts, the the amount saved on auto insurance for a Ford Escape is 28% or $528.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 3275,2361],[‘Age 30’, 1703,1241],[‘Age 40’, 1687,1227],[‘Age 50’, 1535,1113],[‘Age 60’, 1481,1073],[‘Age 70’, 1793,1293]]);var options = {title: ‘Insurance Rate Comparison for a Ford Escape’,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 Pennsylvania’,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(‘qcibdisc’));chart.draw(data, options);}