Best Cheap Insurance for a Ford Escape in Ohio

When discussing car insurance, the word “cheap” should not appear as a descriptor for car insurance rates. Notwithstanding, cheap car insurance for a Ford Escape may be a thing of the past. But fear not, because there may be ways you can get insurance that is cheaper than your current rate.

Your chances of finding cheaper car insurance for a Ford Escape in Ohio relies on a complicated equation that takes into consideration things such as your marital status, where your vehicle is garaged, and if you have a history of accidents. Drivers in Ohio pay approximately $720 each year to insure an Escape, but that policy rate is an approximation based upon a 40-year-old single male that includes full comprehensive and collision coverage and $100 policy deductibles.

There is a good possibility you are not 40 years old and maybe not even male, maybe you are married instead of single, or maybe you need higher liability limits than the state minimum. This shows why the most reliable way to find the most affordable coverage for your Ford is to regularly compare rates at renewal.

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The trim level of your Escape impacts the yearly cost, so the price you will pay to insure a Escape XLS 2WD trim level will cost $98 less than the price to insure the fancier Escape Limited 4WD trim level, as shown below.

Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Information does not factor in specific location information which can increase or decrease premium rates greatly.

Trying to buy budget insurance is not always easy, and deciding which company offers the cheapest car insurance rates for a Ford Escape may require additional perseverance.

Each auto insurer has a proprietary formula to set their prices, so let’s take a look at the car insurance companies that tend to be cheaper in Ohio.

Best Auto Insurance Prices for Your Escape

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Utica National quotes some of the most affordable car insurance rates in Ohio at around $647 annually. Erie, Allied, Frankenmuth, and Travelers are also some of the lowest-priced Ohio car insurance companies.

As shown in the rates above, if you are a customer of Allied and switched to Utica National, you might achieve annual savings of in the vicinity of $29. Ohio drivers with Frankenmuth may save as much as $61 a year, and Travelers policyholders might realize rate reductions of up to $79 a year.

To see if you’re overpaying, click here to start your free quote or visit any of the low-priced companies below.

Bear in mind that those premium estimates are averaged across all ages of drivers and types of vehicles and do not take into consideration a specific rate value for a Ford Escape. So the insurer that has the cheapest rates for you may not even be in the above rate chart. That underscores the importance of why you need to quote rates from many companies using your own driver data and vehicle information.

The illustration below highlights how deductible selection can affect annual premium costs when quoting cheap insurance for a Ford Escape. The data assumes a single male driver, comprehensive and collision coverage, and no discounts are factored in.

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The data above shows that a 40-year-old driver could lower their car insurance rates by $186 a year by increasing from a $100 deductible up to a $500 deductible, or save $282 by choosing a $1,000 deductible. Even younger drivers, like the 20-year-old example, could drop their prices up to $612 or more by using higher deductibles when buying full coverage. When raising deductibles, it will now be necessary to have additional savings on hand to allow you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Who has the cheapest Ford Escape insurance quotes?

There are quite a few ways to compare car insurance quotes in Ohio, but the most prevalent are from an independent insurance agent, an exclusive agency like Liberty Mutual or State Farm, or buying direct from a company like Progressive or Geico.

Each way has the same basic process, but they differ slightly in how they provide rate quotes.

Independent agents can place your business with multiple companies and can get rate quotes from each one. These types of agents are not employed by only one company and can give you more rates, which can help you get improved chances of finding a lower rate. If a cheaper price is found, your policy can be easily switched to a different company which requires no work on your part.

A captive or exclusive agent is only able to quote your policy with one insurance company, for example Farmers Insurance or State Farm agents. These guys and gals cannot provide rate quotes from other companies, so you need to shop around if the rates are high.

Consumers who buy car insurance direct forego a local insurance agent and instead buy buying direct from a company like Esurance or Geico. This option can be a good choice for consumers who do not need advice for asset protection and have a good understanding of the limitations of car insurance.

Which way works best for finding the best cheap insurance for a Ford Escape in Ohio? The majority of car insurance shoppers assume that shopping direct saves money since no commissions are paid to an agent, but in reality, that is not the case. It would also be easy to say buying car insurance from an independent agent can save the most money since they can provide multiple quotes, but that assumption is also not necessarily accurate. In the right set of circumstances, exclusive agencies have very competitive rates well below independent agents AND direct companies.

Since car insurance rates vary so much, the guaranteed way to ensure the lowest rates is to get rate quotes and compare. In a perfect world, youll get quotes from all three types to get an idea of which is cheapest. To see some of the cheapest online companies available, click here to view.

How to find economical insurance for a Ford Escape

The list below details a few money-saving solutions that can help you locate cheap coverage.

• Save money by obeying traffic laws and keeping a clean driving record
• Save money by only buying liability coverage for older vehicles
• Having too many claims will increase rates substantially
• Prevent price hikes by avoiding at-fault accidents
• Save money by bundling your home and auto policies
• Vehicles with good safety ratings are usually cheaper to insure
• Shop around for cheaper rates regularly

The last item on the list is certainly valuable, as was stressed in the prior article. Auto insurance rates in Ohio fluctuate considerably, so drivers shouldn’t be reluctant to buy from a different company if a better rate can be found. Brand loyalty is great, but is isn’t recommended if that dedication is costing major coinage every year. Now is a great time to compare prices and find cheaper auto insurance for a Ford Escape.