Who Has the Cheapest Insurance Quotes for a Ford Escape in Oregon?

We always joke that when we write about car insurance, the word affordable should not appear anywhere in the article to describe car insurance rates. It’s a simple fact that cheap auto insurance for a Ford Escape may be a thing of the past. But don’t let that discourage you, because we are going to show you how you can find and buy insurance that is easy on your budget.

Buying affordable insurance for a Ford Escape in Oregon is contingent on lots of different factors like your marital status, where you live, and any prior driving offenses you have. Drivers in Oregon pay on average $810 a year to buy insurance for a Ford Escape, but that is an estimate calculated based on a 30-year-old married female who needs comprehensive and collision coverage and $250 policy deductibles.

If we were betting, you are not a 30-year-old female, possibly single instead of married, and you might want liability-only or different deductibles. Every driver has different characteristics, so the most reliable method for finding cheap insurance rates for your Ford is to put in the effort to do a thorough rate comparison.

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The trim level of your Ford will influence the yearly cost, so the price to insure a Escape XLS 2WD model will be $104 less than the cost to insure the more expensive Escape Limited 4WD model, as shown in the prices below.

Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Oregon minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Premium amounts do not factor in vehicle garaging location which can change coverage rates significantly.

Ending up with the best insurance provider can be challenging considering how many different companies insure vehicles in Oregon. The rank data listed below may help you analyze which car insurance providers you want to consider comparing rate quotes with. These ratings are only comprised of the largest auto insurers in America, so companies that may only write in Oregon are not included in these rankings.

How to get discounts on Oregon insurance

Insurers that offer the cheapest insurance for a Ford Escape in Oregon may also give you rate discounts that can reduce rates by as much as 35% or more if you qualify. A few popular companies and some of the premium reductions they offer are detailed below.

The example below illustrates the comparison of insurance costs with and without discounts applied to the premium. The premiums assume a male driver, no violations or accidents, Oregon state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with defensive driving course, claim-free, marriage, homeowner, anti-theft, and multiple vehicle discounts applied. With discounts applied, the the amount saved on insurance for a Ford Escape is 43% or $1,504.

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Should you buy full coverage?

Finding the cheapest insurance for a Ford Escape in Oregon is the goal of the majority of drivers, and one way to lower the cost of insurance is to only buy liability insurance. The chart below illustrates the difference between insurance prices when comparing full coverage to liability only. The costs are based on no claims or violations, $500 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 $500 Deductibles’, ‘Liability Only’],[‘Age 20’, 2561,969],[‘Age 30’, 1353,535],[‘Age 40’, 1323,497],[‘Age 50’, 1209,465],[‘Age 60’, 1171,457],[‘Age 70’, 1437,609]]);var options = {title: ‘Price Comparison of Full Coverage Versus Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Ford Escape in Oregon’,minValue: 0,format: ‘$###,###’},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);}

If the expense is averaged for all age categories, physical damage coverage on your policy costs an additional $1,509 per year more than just insuring for liability. Many of you may wonder if it’s a good idea to buy full coverage. There is no definitive guideline for excluding physical damage coverage on your policy, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than about 10% of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.

There are some situations where only buying liability is not a good idea. If you still have a lienholder on your title, you have to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don’t have enough money to buy a different vehicle in case of an accident, you should maintain full coverage.

Find the cheapest insurance for a Ford Escape in Oregon

The list below summarizes some of the recommended thrifty ideas that can help drivers locate the cheapest coverage.

• Be a safe driver
• Buying home and auto insurance together can earn discounts
• Pay for small claims rather than turning them in to your insurance company
• Increase your credit rating
• Being accident-free can lower rates significantly
• Increase the comprehensive and collision deductibles on your policy
• Compare rates once a year for cheaper prices

The last item on the list is very critical, as we pointed out in this article. Prices charged by companies in Oregon change a lot, so don’t be tentative to switch carriers if you can find a cheaper rate.

Many drivers prefer to stick with one company, but we do not recommend it if it’s costing you lots of hard earned cash every month. Now is a great time to compare rates and find cheaper car insurance for a Ford Escape.

Does Geico, State Farm, Progressive, or Allstate have the cheapest car insurance?

When shopping around for insurance for an Escape in Oregon, some of the largest companies to start with are Geico, State Farm, Progressive, and Allstate. All offer your standard physical damage and liability coverages, but each one has a unique set of features, discounts, and options that can influence your buying decision. The following table shows some of the different features .