Best Cheap Insurance Quotes for a Ford Escape in Georgia

Our staff writers always rib each other than when writing about auto insurance, the word cheap should not be used anywhere in the article to describe car insurance rates. Sad but true, cheap car insurance for a Ford Escape is not always easy to find. But don’t let that discourage you, because we are going to tell you how you can find car insurance that doesn’t cost an arm and a leg.

The chances that you’ll find the cheapest car insurance for a Ford Escape in Georgia depends on a lot of factors such as whether you own a home, the likelihood of vehicle theft, and the level of deductible you choose. Georgia drivers pay an average of $920 annually to buy insurance for a Ford Escape, but that policy rate is that uses rate data for a 40-year-old single female that has both comprehensive and collision coverage and $1,000 policy deductibles.

There is a very good chance that you may not be 40 years old (or even female), you might be married instead of single, or maybe your Escape doesn’t need full coverage. Just a slight change in the rating criteria used to formulate rates can result in a massive change in the policy cost.

Each driver has unique rating factors, so the most reliable way to find cheap insurance rates for your Ford is to do a thorough rate comparison. Get a free quote now and you will receive prices from some of the cheapest companies that sell coverage in Georgia.

Cheapest Ford Escape Insurance Rates

Vehicle trim level will likely have an effect on the annual cost of coverage, so the price you pay to insure a Escape XLS 2WD trim level will cost $86 less than the price to insure the higher-end Escape Limited 4WD model, as demonstrated by the prices below.

Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Prices do not factor in your specific Georgia location which can affect coverage prices significantly.

Trying to buy low-priced car insurance is not easy, and finding out which company quotes the best auto insurance rates for a Ford Escape takes even more rate comparisons.

Each insurer uses their own calculation to set premium rates, so we’ll take a look at the auto insurance companies with the overall best prices in Georgia. Keep in mind that Georgia auto insurance rates are impacted by many factors that may substantially change the price you pay. This price variation is why it is critical to perform an extensive rate comparison when trying to find the cheapest auto insurance rates for a Ford Escape. Prices are influenced by many risk factors and change dramatically, so the cheapest company the last time you checked may now be one of the higher cost companies.

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Auto-Owners has some of the lowest car insurance rates in Georgia at around $839 a year. The Hartford, USAA, Central Mutual, and Georgia Farm Bureau would also be considered some of the lowest-priced Georgia car insurance companies.

As the rates illustrate above, if you buy coverage from The Hartford and switched to Auto-Owners, you could realize a yearly price reduction of around $56. Insureds with USAA could save as much as $139 a year, and Central Mutual customers might cut rates by $366 a year.

It’s important to note that these estimates are averages for all ages of drivers and types of vehicles and do not take into consideration a specific rating modification for a Ford Escape. So the company that can offer you the best price may not even be shown in the rate chart shown above. That point stresses why you need to compare rates from multiple companies using your own specific driver information and vehicle.

How accidents and tickets impact rates

The recommended way to maintain the cheapest auto insurance prices in Georgia for an Escape is to be an attentive driver and avoid accidents and keep your driving record clean. The example below illustrates how traffic citations and at-fault accidents drive up car insurance rates for each different age group. The rate quotes are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.

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The chart shows that the average cost of a car insurance policy in Georgia per year with no accidents or violations is $1,807. Factor in one speeding ticket and the average cost hikes up to $2,074, an increase of $267 each year. Now include two accidents along with the one speeding ticket and the 12-month cost of auto insurance for a Ford Escape goes up to an average of $4,343. That’s an increase of $2,536, or $211 per month, just for not driving attentively!

Is Progressive, Allstate, State Farm, or Geico cheaper?

When researching insurance for an Escape in Georgia, some of the largest companies to start with are Progressive, Allstate, State Farm, and Geico. The following table ranks pricing and service ratings, plus some optional coverages shoppers can find with each company.

Cheapest Ford Escape insurance quotes

Drivers have a lot of different ways to compare auto insurance prices in Georgia, but the most common ways are from an independent or non-exclusive agent, an exclusive agency such as State Farm or Auto-Owners, or from a direct company like Geico. Each way is similar, but it’s important to point out the distinctions in how they price policies.

Independent agencies work for many companies and can compare coverage rates with each one. These types of agencies will give you more rates, which can help you get the best idea of how your rates compare. If cheaper coverage is found, you can get a different policy without having to get a different agent.

A captive or exclusive agent is usually restricted to a single insurance company, two popular examples being a State Farm or Allstate agent. Exclusive agents are unable to provide other companys’ prices, so if rates are high, they cannot give you alternative choices.

Choosing to buy auto insurance direct means you forego an agent and instead shop direct online or over the phone from a company like Esurance or Progressive. This option may be preferred by consumers who do not need high levels of coverage and know more than average about the exclusions of a policy.

So which way is best for finding the best cheap insurance for a Ford Escape in Georgia? The quick answer would be buying from a direct car insurance company results in the cheapest rates because you bypass the middleman, but in reality, that is not true. And we’d like to say using an independent agent is the best way to go since they have more companies to choose from, but that assumption is also not accurate. In many cases, exclusive agents have coverage prices that other auto insurance companies cannot touch.

Because it’s impossible to say who has the best auto insurance rates, really the only way to ensure the lowest rates is to obtain price quotes and compare them. Set aside the time to get prices from all three to get an idea of which is cheapest. A great place to start is our list of online companies offering discounts: click here to view.

Tips to find cheaper insurance for a Ford Escape

Here are a few thrifty suggestions that can help drivers buy lower-cost car insurance.

• Improve your credit
• Increase your policy deductibles
• Violations like speeding or DUI increase rates
• Safe vehicles generally have lower rates
• At-fault accidents can raise rates significantly
• Look for cheaper rates once a year by shopping around

That final tip is incredibly crucial, as we pointed out in this article. Coverage prices in Georgia fluctuate constantly, so you should be ready to buy a different policy if a better rate can be found. Loyalty to a specific company is fine, but it’s not a great idea if that inflexibility results in costing you thousands of dollars over several years. Take a couple minutes and shop around and find cheaper auto insurance for a Ford Escape.