Who Has Cheap Insurance Quotes for a Ford Escape in Virginia?

Whether or not you can find the best cheap insurance for a Ford Escape in Virginia depends upon a whole bunch of rating criteria such as whether you are married or single, the likelihood of your vehicle being stolen, and your choice of deductibles. Drivers in Virginia will pay around $560 every 12 months for Escape insurance, but that amount is a ballpark figure based on a 40-year-old married male that purchased both comprehensive and collision coverage and $500 deductibles.

There’s a good chance you are not 40 and possibly not even male, you might be single instead of married, and maybe you have sub-par credit that needs to be factored in. Just a slight change in the factors used in pricing a policy can create big changes in the price of coverage.

Auto insurance is unique to each driver, so the best way to find affordable rates for your Ford is to do your own rate comparisons. In just a few minutes you will be able to see rates from the cheapest companies available.

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The trim level of your vehicle can impact the insurance rate, so the price to insure a Escape XLS 2WD will be $64 less expensive the cost to insure the more well-appointed Escape Limited 4WD model, as shown below.

Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Premium amounts do not factor in vehicle garaging location which can alter price quotes noticeably.

Establishing which companies offer the cheapest car insurance rates for a Ford Escape involves a little more effort than just comparing rates from one or two companies. Each auto insurance company has a proprietary method for determining rates in each state, so we’ll go over the car insurance companies with the overall best prices in Virginia.

It’s a good idea to know that Virginia car insurance rates are based on many factors which can substantially decrease or increase the price of coverage. Turning one year older, buying a different home, or getting a few speeding tickets can trigger rate changes resulting in some rates now being much cheaper than others.

Cheap Insurance Rates for Your Escape

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Travelers has some of the lowest car insurance rates in Virginia at around $679 annually. USAA, Penn National, Cincinnati Insurance, and The Hartford would also be considered some of the cheaper Virginia auto insurance companies.

As shown in the table above, if you have coverage with Cincinnati Insurance and switched to Travelers, you may realize annual savings of approxmiately $84. Drivers with The Hartford could save as much as $98 a year, and Utica National policyholders might see rate reductions of $102 a year.

These estimates are averaged for all ages of drivers and types of vehicles and do not take into consideration a specific rate value for a Ford Escape. So the car insurance company that is best suited for you may not even be included in the list of companies above. That underscores the importance of why you need to quote rates from many companies using your own driver and vehicle profiles.

Safe drivers Virginia pay cheaper rates

The easiest method to snag the cheapest car insurance prices in Virginia for an Escape is to be a good driver and have a clean driving record. The illustration below highlights how speeding tickets and accident claims influence annual premium costs for each age group. The prices are based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no other discounts are factored in.

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The data charted above shows the average cost of car insurance in Virginia per year with no accidents or violations is $1,187. Factor in one speeding ticket and the average cost increases to $1,344, an increase of $158 each year. Then add two accidents along with the one speeding ticket and the yearly cost of car insurance for a Ford Escape increases to an average of $2,738. That’s an increase of $1,552, or $129 per month, just for not being attentive to the road!

Full coverage versus liability only rates

Finding cheap insurance for a Ford Escape in Virginia should be important to the majority of people, and one of the easiest ways to lower the cost of insurance is to not pay for full coverage. The information below compares yearly insurance costs with and without full coverage. The premium estimates are based on no violations or claims, $250 deductibles, drivers are single, and no additional discounts are factored in.

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If all age groups are averaged, full coverage on your policy costs $1,390 per year over having just liability coverage. That raises the question if buying full coverage is a waste of money. There is no definitive guideline of when to phase out physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of coverage is more than 10% of the settlement you would receive from your company, then it may be the right time to buy liability only.

For example, let’s pretend your vehicle’s replacement value is $11,500 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, you would only receive $10,500 after the deductible is paid. If you are paying over $1,050 a year for your policy with full coverage, then you may want to consider only buying liability coverage.

There are some cases where only buying liability is not a good idea. If you still have a loan on your vehicle, you have to maintain full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not buy liability only.

State Farm vs Progressive vs Allstate vs Geico

When buying insurance for an Escape in Virginia, some of the largest companies to start with are State Farm, Progressive, Allstate, and Geico. When combined, they insure over 45% of the entire U.S. auto insurance market. They all offer a slightly different set of options and discounts that drivers can select from. The next table compares price, claims, and customer service ratings, as well as some optional coverages offered by each one.