Cheapest Insurance for a Ford Escape in Nevada

When talking about auto insurance, the words “affordable” or “cheap” should not be used anywhere in the article. Notwithstanding, cheap car insurance for a Ford Escape is just plain contradictory. Don’t get your dauber down, because we will teach you how you can still find and buy auto insurance that may not be cheap, but it is affordable.

The chances that you’ll find affordable coverage for a Ford Escape in Nevada depends upon a complex equation that considers factors like the number of years of driving experience you have, if you have ever let your coverage lapse, and any prior driving citations you have received. Nevada drivers will pay on average $690 each year to buy insurance for a Ford Escape, but that policy rate is a projection using rate data for a 50-year-old married male who purchased full coverage including both comprehensive and collision and $250 physical damage deductibles.

It’s more than likely you are not 50 and maybe not even a male, maybe you are single instead of married, or maybe you live in a different area as the quoted rates. Insurance prices are based on the driver profile the way we recommend to find the cheapest rates for your Ford is to shop your policy around at every renewal. It takes less than five minutes and you will receive price comparisons from top-rated car insurance companies available.

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The trim level of your Escape will likely have an effect on the yearly cost, so the price you pay to insure a Escape XLS 2WD will be $86 lower than the insurance cost for the more expensive Escape Limited 4WD version, as shown in the table below.

Data rating is based on married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Nevada minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Rate information does not factor in specific Nevada garaging location which can affect insurance rates considerably.

Insurance company ratings

Insuring your vehicle with a good quality auto insurance provider is hard considering how many companies are available to choose from in Nevada. The company ratings below may help you select which providers you want to consider when buying insurance for a Ford Escape.

These rankings are only comprised of companies that insure vehicles nationwide, so companies that only write business in Nevada or surrounding areas are not included in the list. To get rate quotes from these top-rated insurers and more, follow this link.

Top 10 Major Auto Insurance Providers in Nevada Ranked by Customer Service

1. GEICO
2. State Farm
3. The Hartford
4. Mercury Insurance
5. The General
6. Progressive
7. Allstate
8. AAA Insurance
9. American Family
10. Nationwide

Top 10 Major Auto Insurance Providers Overall in Nevada

1. USAA
2. American Family
3. State Farm
4. The Hartford
5. AAA Insurance
6. GEICO
7. The General
8. Titan Insurance
9. Progressive
10. Mercury Insurance

Top Companies for Ford Escape Insurance in Nevada

The illustration below demonstrates how deductible levels can impact insurance costs when getting quotes for cheap insurance for a Ford Escape. The price estimates are based on a single male driver, full coverage, and no additional discounts are factored in.

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In the chart above, a 40-year-old driver could lower their car insurance rates by $254 a year by changing from a $100 deductible up to a $500 deductible, or save $382 by choosing a $1,000 deductible. Young drivers, such as the Age 20 example, have the ability to save as much as $830 annually just by using higher deductibles.

When insureds make the decision to increase the deductibles on their policy, it will be required to have enough savings to cover the extra out-of-pocket expense that is associated with using high deductibles.

Difference between full coverage and liability only rates

Finding the cheapest insurance for a Ford Escape in Nevada is probably important to the majority of drivers, and an easy way to reduce the cost of insurance is to only buy liability insurance. The example below shows the comparison of insurance prices with full phyical damage coverage and with liability coverage only. The data is based on no violations or accidents, $100 deductibles, drivers are single, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $100 Deductibles’, ‘Liability Only’],[‘Age 20’, 3389,937],[‘Age 30’, 1745,517],[‘Age 40’, 1741,479],[‘Age 50’, 1579,449],[‘Age 60’, 1525,441],[‘Age 70’, 1835,589]]);var options = {title: ‘Rate Comparison of Full Coverage and Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Ford Escape in Nevada’,minValue: 0,format: ‘$###,###’},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);}

On average, full coverage costs an additional $1,969 per year over and above liability only. That raises the question if buying full coverage is worth the expense. There is no exact formula of when to eliminate full coverage, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.

How to find the cheapest insurance for a Ford Escape in Nevada

The list below summarizes a few money-saving solutions that can help Nevada drivers get cheaper auto insurance.

• Having at-fault accidents will increase rates
• Don’t waste money on full coverage for older vehicles
• Clean up your credit rating
• Bundle home and auto and save
• Drive safe vehicles
• Compare price quotes at least once a year

The last tip in the list is remarkably important, as we stressed in this write-up. Coverage prices can change considerably in a year, so drivers shouldn’t hesitate to buy a different policy if a better rate can be found. Staying with the same company for years is fine, but it’s not a great idea if that loyalty results in overpaying a wad of cash every year. It only take a few minutes to compare prices to find cheaper insurance for a Ford Escape.

Progressive, Geico, Allstate, and State Farm compared

If you want reliable insurance for an Escape, probably the best companies to start with are Progressive, Geico, Allstate, and State Farm. The table below ranks some of the different options and features that may be available in your state.

Who has the cheapest Ford Escape insurance quotes?

There are many ways to shop for and buy insurance in Nevada, but the most common methods are using a non-exclusive or independent agent, a captive (or exclusive) agent like Liberty Mutual or State Farm, or buying direct from a company like Progressive or Geico.

You can use whichever you prefer, but each is different in how they price policies.

Independent agents work with multiple companies and can compare coverage rates with each one. These types of agencies are able to quote rates with many companies, which may provide you with improved chances of finding a lower rate. If they find a lower price, your policy can be moved which makes it easier to save money.

An agent who is captive is only able to quote your policy with just one company, examples being an Auto-Owners or Allstate agent. This type of agents cannot quote prices from more than a single company, so if rates are high, they cannot give you alternative choices.

The last way is buying direct, which means you skip either of the other two types of agents and instead shop direct from companies such as Geico or Esurance. Buying insurance direct may be a decent choice consumers who have limited assets and have knowledge of what insurance covers.

When shopping for insurance, which way works best to find the cheapest insurance for a Ford Escape in Nevada? It would be obvious to point out buying from a direct car insurance company yields the cheapest rates because there is no agent taking a commission, but that generally is not the case. An argument could also be made that an independent agency guarantees the best prices since they have more companies to choose from, but again, it’s not a sure thing. In many cases, exclusive agencies have price quotes that other insurance companies cannot touch.

Because there is so much variation in insurance prices, the one way to buy the cheapest coverage is to get rate quotes and compare. If time allows, get quotes from all three to give yourself the best selection. To see some of the cheapest online companies available, click here to view.