How Much Does Insurance Cost for a Ford Escape in Kentucky?

When writing about shopping for car insurance, the word affordable should never appear anywhere in the article as a descriptor for auto insurance rates. The fact is, cheap auto insurance for a Ford Escape is just plain contradictory. We’ll try to make it up to you, because we will show you how you can quote coverage that is cheaper than what you have now.

Your chances of finding cheap coverage for a Ford Escape in Kentucky depends upon a large number of rating criteria like how long your commute is, whether or not you have had gaps between policies, and if your driving record shows any at-fault accidents. Drivers on average pay approximately $820 per year to insure a Ford Escape, but that amount is a ballpark figure calculated based on a 40-year-old married female who purchased both comprehensive and collision coverage and $250 policy deductibles.

It’s highly likely you’re not a 40-year-old female, single instead of married, and there is a good chance that there are other drivers on your policy. What seems to be a minor change in policy rating data can precipitate large changes in rate quotes.

Everyone has different rating factors, so the best way to quote the cheapest coverage for your Ford is to comparison shop your policy at each renewal.

Insure Your Ford for Less

The trim level of your Escape tends to have a direct impact on the cost of insurance, so the price you will pay to insure a Escape XLS 2WD will cost $100 less than the insurance cost for the more expensive Escape Limited 4WD model, as shown in the prices below.

Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Price estimates do not factor in specific Kentucky garaging location which can decrease or increase price quotes greatly.

Choosing the best auto insurance provider is difficult considering how many different companies insure vehicles in Kentucky. The company information below can help you analyze which insurers to look at purchasing a policy from. These ratings only include major nationwide insurance companies, so smaller regional companies are not factored into these rankings.

Careless driving habits raise car insurance rates

In a perfect world, the best way to get cheap insurance for a Ford Escape in Kentucky is to drive safe and not have accidents or get tickets. The illustration below shows how traffic citations and at-fault fender-benders can influence auto insurance rates for each different age group. The rate quotes are based on a single male driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 2327,2503,2987],[‘Age 30’, 1233,1409,1891],[‘Age 40’, 1199,1373,1859],[‘Age 50’, 1097,1273,1759],[‘Age 60’, 1065,1241,1727],[‘Age 70’, 1321,1499,1983]]);var options = {title: ‘Accidents, Violations, and Kentucky 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 Kentucky’,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 chart, the average cost of car insurance in Kentucky per year with no violations or accidents is $1,374. Receive one speeding ticket and the average cost surges to $1,550, an increase of $176 each year. Then add one accident along with the one speeding ticket and the annual cost of car insurance for a Ford Escape jumps again to an average of $2,034. That’s an increase of $661, or $55 per month, just for not keeping your driving record clean!

The information below demonstrates how deductibles can raise or lower annual premium costs when searching for cheap insurance for a Ford Escape. The rates are based on a single female driver, comprehensive and collision 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’,’$1,000 Deductible’],[‘Age 20’, 2611,2403,2173,1955],[‘Age 30’, 1817,1663,1489,1319],[‘Age 40’, 1683,1547,1387,1237],[‘Age 50’, 1471,1353,1215,1081],[‘Age 60’, 1423,1307,1175,1047],[‘Age 70’, 1655,1523,1377,1237]]);var options = {title: ‘Deductibles and Ford Escape Insurance Rates in Kentucky’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Ford Escape’,minValue: 0,format: ‘$###,###’},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 40-year-old driver could lower rates by $256 a year by switching from a $100 deductible up to a $500 deductible, or save $390 by choosing a $1,000 deductible. Younger drivers, such as the 20-year-old chart data, could reduce their rates up to $656 annually by choosing larger deductibles on their policy. If you do raise deductibles, it’s a good idea to have additional savings on hand to offset the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

How to get cheap insurance for a Ford Escape in Kentucky

Lowering your rates is not difficult, and here are some of the recommended thrifty ideas that can help drivers find cheaper car insurance.

• Choose a safer vehicle and pay lower rates
• Try to pay small claims out-of-pocket
• Increase your credit score
• Accidents can significantly increase rates
• Maintain a clean driving record
• Compare rates once a year for cheaper prices

That last idea is extremely important, as was emphasized in the prior article. Auto insurance prices in Kentucky change a lot, so don’t hesitate to switch companies if a cheaper rate is available.

Having brand loyalty is commendable, but it’s not recommended if that loyalty ends up costing a lot of money every month. In less than five minutes you could compare prices and find cheaper insurance for a Ford Escape.

Cheap Ford Escape insurance quotes

There are many ways to find cheaper car insurance in Kentucky, but the most prevalent methods are from a captive (or exclusive) agent like Allstate or State Farm, an independent or non-exclusive agent, or direct online or over the phone from a company like Geico or Progressive. You can use whichever you prefer, but it’s important to understand the differences in how they provide rate quotes.

Independent insurance agencies work for many companies and can compare rates with every one. Independent agents have the freedom to provide multiple price quotes, which can help you get improved odds of finding cheaper coverage. If you want to switch companies, the business is moved internally and you don’t have to switch agencies.

An agent who is captive is only able to quote your policy with a single insurance company, two of the more popular are Allstate and Liberty Mutual agents. These agents normally cannot compare rates from other companies, so it’s a good idea to get additional quotes.

The third popular method of shopping for car insurance is direct, which means you forego either of the other two types of agents and buy direct from companies such as Geico or Progressive. Shopping direct may be the best choice drivers who do not need advice for risk management and know what limits they need.

Which method is best to find cheap insurance for a Ford Escape in Kentucky? It would be premature to say buying from a direct car insurance company results in the cheapest price since there isn’t an agent involved, but that is generally not the case. We could also say that going through an independent agent is the best way to save since they have access to many companies, but that idea is not necessarily true either. For the right applicant, exclusive agents may have very competitive prices that are well below what direct and independents offer.

Since car insurance companies use so many rating factors, the best way to buy the cheapest coverage is to get quotes and compare. Make the effort to get quotes from all three types to have enough rates to compare. For a list of companies offering online discounts in Kentucky, click here to view.