Best Cheap Insurance Quotes for a Ford Escape in Texas

When writing about shopping for auto insurance, the word “cheap” should never be used anywhere in the article as a descriptor for auto insurance rates. Please forgive the oxymoron, but cheap auto insurance for a Ford Escape can seem impossible to find. But don’t let that discourage you, because we are going to tell you how you can still find and buy insurance that won’t break the bank.

The chances of finding the cheapest auto insurance for a Ford Escape in Texas is dependent upon lots of different rating factors like the safety rating for your Escape, your claims history, and your choice of physical damage deductibles. Texas drivers pay an average of $950 annually for Escape insurance, but that figure is a ballpark figure using rate data for a 40-year-old married female driver who needs both comprehensive and collision coverage and $250 policy deductibles.

Chances are that rate is not what you would pay, because most likely you are not 40 years old and maybe not even female, possibly single instead of married, or maybe you have a teen driver on your policy that needs to be considered. What people think is a minor change in rating variables or coverage information can make a big difference in the coverage rate.

Each driver has unique rating factors, so your best shot at finding the cheapest coverage for your Ford is to put in the effort and compare rates. Quotes only take a few minutes and you will be able to see rates from the best auto insurance companies that insure Ford vehicles in Texas.

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The trim level of your vehicle will be a contributing factor to the cost of insurance, so the price to insure a Escape XLS 2WD will be $120 cheaper than the price to insure the more expensive Escape Limited 4WD version, as shown in the chart below.

Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Price information does not factor in specific Texas garaging location which can lower or raise price quotes greatly.

What is the best car insurance company in Texas?

Selecting the top insurance provider is hard considering how many companies there are in Texas. The company information in the next section can help you pick which auto insurance companies you want to consider when comparing rate quotes.

These rankings only include large, nationwide insurance companies, so companies without a large exposure are not taken into consideration for the list. If you wish to compare rates from these and other top-rated companies, follow this link.

The chart below demonstrates how deductible levels can affect yearly insurance costs when quoting cheap insurance for a Ford Escape. The costs are based on a single female driver, comp and collision included, and no discounts are applied to the premium.

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The chart above illustrates that a 40-year-old driver could save $302 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $456 by switching to a $1,000 deductible. Youthful drivers, like the Age 20 category, could lower their rates as much as $766 every year by using a higher deductible.

If you do raise deductibles, it’s a good idea to have enough spare savings to enable you to cover the extra out-of-pocket expense that comes with higher deductibles.

Which car insurance company is best?

If you’re looking for the best insurance for an Escape in Texas, four of the larger companies to compare rates for are Progressive, State Farm, Allstate, and Geico. When combined, they have nearly half of all car insurance policies in America. The next table compares and contrasts price, claims, and customer service ratings, as well as some optional coverages that you can purchase from each one.

Find the best cheap insurance for a Ford Escape in Texas

Below you’ll find some of the recommended thrifty solutions that can help Texas drivers find the cheapest car insurance.

• Prevent price hikes by avoiding at-fault accidents
• Do not get tickets or violations
• Discounts for being claim-free can be substantial
• If your vehicles are older, consider dropping full coverage
• Drive safe vehicles
• Buying home and auto together can help save money
• Compare rate quotes frequently

The last item on the list is extremely necessary, as we discussed in the prior article. Rates can be changed at any time, so don’t be afraid to switch carriers if a better rate can be found.

Brand loyalty is not necessarily bad, but it’s not a great idea if that inflexibility results in costing you a lot of money. If you have a few minutes, compare rates and find cheaper car insurance for a Ford Escape.