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

The chances that you’ll find cheap auto insurance for a Ford Escape in Wyoming relies on a lot of rating criteria like whether you are a homeower, if you are currently insured, and physical damage deductibles. Wyoming drivers pay on average $830 a year for Escape insurance, but that rate is an estimation calculated using a 50-year-old single female driver that has full coverage and $500 policy deductibles.

When estimating a car insurance rate like we just did, the issue is that you are not 50 and possibly not even female, married instead of single, or you need different deductibles. Every driver’s needs are different, and that is why your best shot at finding the cheapest rates for your Ford is to put in the effort and compare rates.

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Vehicle trim level will have an impact the annual cost of coverage, so the cost to insure a Escape XLS 2WD model will be $90 cheaper than the price to insure the higher-priced Escape Limited 4WD model, as shown in the chart below.

Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Wyoming minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Premium amounts do not factor in specific location information which can decrease or increase auto insurance rates significantly.

Finding cheap auto insurance is not easy, and deciding which companies offer the lowest-priced auto insurance rates for a Ford Escape may require even more perseverance. Each company uses different criteria to set premium rates, so first we will examine the overall cheapest auto insurance companies in Wyoming.

It’s a good idea to know that Wyoming auto insurance rates are determined by lots of factors which can substantially decrease or increase the price of coverage. That is why consumers need to take the time to shop around when trying to get the cheapest insurance quotes for a Ford Escape. Insurance prices consist of many risk factors and change frequently, so the cheapest option when you bought your policy may now be one of the higher cost companies.

Lowest Insurance Price Quotes for Your Escape

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google.charts.setOnLoadCallback(drawWYT5qcibChart);function drawWYT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘USAA’, 650, ‘#F07050’], [‘Safeco’, 936, ‘#C85D42’], [‘The Hartford’, 962, ‘#A64D37’], [‘National Farmers Union’, 970, ‘#8A402D’], [‘GEICO’, 988, ‘#733525’]]);var options = {title: ‘Top Five Most Affordable Auto Insurance Companies in Wyoming’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1088,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibt5cic’));chart.draw(view, options);}

USAA may have some of the most affordable car insurance rates in Wyoming at around $650 each year. Safeco, The Hartford, National Farmers Union, and GEICO are also some of the best Wyoming auto insurance companies.

In the rate table above, if you buy coverage from The Hartford and switched to USAA, you may see yearly savings of around $312. Customers with National Farmers Union could save as much as $320 a year, and GEICO insureds might see rate reductions of $338 a year.

If you want to find out if you’re overpaying, click here to begin a quote or click through to the companies below.

It’s important to note that these premiums are averaged across all types of insureds and vehicles and do not factor in a specific rate value for a Ford Escape. So the auto insurance company that has the cheapest price for you may not even be in the list of companies shown earlier. That point stresses why you need to compare rates from as many companies as possible using your own driver information and specific vehicle type.

Full coverage or liability only

Finding cheap insurance for a Ford Escape in Wyoming is probably important to most vehicle owners, and one of the fastest ways to pay lower rates for insurance is to not insure for full coverage. The information below compares insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Wyoming. The information is based on no claims, a clean driving record, $250 deductibles, marital status is single, and no discounts are factored in.

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As an overall average, physical damage coverage on your policy costs an extra $2,079 per year more than just buying liability only. Lot’s of drivers question when is it a good idea to stop buying full coverage. There is no set rule for phasing out physical damage coverage on your policy, but there is a general convention. If the yearly cost for physical damage coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.

Who is cheaper: Progressive, Geico, State Farm, or Allstate?

If you are shopping around for insurance for an Escape in Wyoming, probably the best companies to start with are Progressive, Geico, State Farm, and Allstate. Between them, they make up about 50% of the entire U.S. market share. The data below breaks down some of the different options you can expect with each one.

How to find the cheapest auto insurance for a Ford Escape

It is possible to find better rates, and here are some of the better penny-pinching ideas that can help Wyoming drivers quote cheap coverage.

• Insure your home and auto with the same company
• Do not get traffic citations
• Staying accident-free helps keep rates low
• Avoid filing excessive claims
• Choose a safer vehicle and pay lower rates
• Compare rates often to find the best deal

The last tip in the list is highly valuable, as we discussed in this piece. Insurance rates in Wyoming vary greatly, so don’t be unwilling to buy from a new company if a better deal can be had.

Brand loyalty is not necessarily bad, but is isn’t recommended if that dedication is costing lots of hard earned cash every month. Now is a great time to compare prices to find cheaper car insurance for a Ford Escape.

Best cheap Ford Escape insurance quotes

Due to technology, there are many ways to compare auto insurance quotes in Wyoming, but the most common are through an exclusive insurance agency like Allstate or Liberty Mutual, an independent or non-exclusive agent, or direct from companies such as Geico or Progressive. Each way has the same basic process, but buyers should know the differences in how they provide rate quotes.

Independent agencies have contracts with many companies and can quote your policy with every one. These types of agents can provide you with more rate quotes, which may give you a better chance of finding cheaper coverage. If you want to switch companies, it’s easy for the agent to move the policy without you having to go to a different agency.

Exclusive agents are only able to write business for a single company, two popular examples being a State Farm or Farmers agent. They generally cannot provide multiple price quotes, so they really need to provide good service.

Drivers who opt to buy auto insurance direct do not use an exlusive or independent agent and instead buy from a direct company like Geico. Shopping for auto insurance direct can be a good choice for people who have limited assets and have a good understanding of the limitations of auto insurance.

So out of those three methods, which one works best to find cheap insurance for a Ford Escape in Wyoming? We’d like to say buying direct saves the most money since that prevents the need to pay agent commissions, but that turns out to not be true. It would also be easy to say buying from an independent agent is the best way to save because they can shop around, but that idea is not necessarily true either. In many cases, the exclusive agents have very competitive rates that are the lowest in Wyoming.

Because of the variability of auto insurance rates, the one way to find out which one is cheapest is to get quotes and compare. The ideal approach is to get prices from all three to have a good selection of rates to choose from. For a list of companies with some of the cheapest Wyoming auto insurance rates, click here to view.