Cheap Insurance for a Ford Escape in Connecticut

When writing about shopping for auto insurance, the word affordable really should not be used anywhere in the article. It’s a simple fact that cheap car insurance for a Ford Escape is pretty hard to find. Don’t let that get you down, though, because we are going to show you some ways you can find and buy insurance that most people can afford.

Finding cheaper auto insurance for a Ford Escape in Connecticut is dependent upon a very complex rating algorithm that uses multiple factors such as whether the vehicle is new, the likelihood of your vehicle being stolen, and deductible levels for physical damage coverage. Connecticut drivers pay an average of $780 a year to buy insurance for a Ford Escape, but that amount is a projection that uses a 40-year-old single male driver that wants both comprehensive and collision coverage and $1,000 physical damage deductibles.

When making auto insurance estimates, the issue arises that you are not 40 and maybe not even a male, married instead of single, or maybe your Escape is a different trim level than the example. What appears to be a small change in policy rating criteria or coverages can make a large difference in the policy rate.

Every driver has a different risk profile, so the way we recommend to find cheap auto insurance rates for your Ford is to put in the effort to do a thorough rate comparison.

Click to Compare Rates Now

The specific model of Escape will be a contributing factor to the annual cost of coverage, so the price to insure a Escape XLS 2WD model will be $78 cheaper than the cost to insure the fancier Escape Limited 4WD version, as shown below.

Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Connecticut minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Estimates do not factor in garaging location in Connecticut which can affect price quotes considerably.

Determining which company quotes the lowest-priced car insurance rates for a Ford Escape takes a little more effort than just getting one or two price quotes. Every insurance company uses their own calculation for establishing rates, so let’s look at the rankings for the overall cheapest car insurance companies in Connecticut.

It’s important that readers know that Connecticut car insurance rates are determined by lots of factors which can substantially change the cost of having a policy. Turning one year older, moving across town, or getting a couple of tickets can trigger changes in premium that can cause some rates to be cheaper than competitors.

Compare Cheap Insurance Quotes for Your Escape

Compare Rates Today

google.charts.setOnLoadCallback(drawCTT5qcibChart);function drawCTT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘Utica National’, 965, ‘#F07050’], [‘Travelers’, 1125, ‘#C85D42’], [‘USAA’, 1234, ‘#A64D37’], [‘Amica’, 1257, ‘#8A402D’], [‘Nationwide’, 1397, ‘#733525’]]);var options = {title: ‘Top Five Cheapest Car Insurance Companies in Connecticut’,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:1497,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);}

Utica National offers some of the most affordable car insurance rates in Connecticut at around $965 per year. Travelers, USAA, Amica, and Nationwide also are some of the cheaper Connecticut auto insurance companies.

As shown in the rates above, if you have coverage with Amica and switched to Travelers, you might realize annual savings of approxmiately $132. Customers with Nationwide might save as much as $272 a year, and MetLife insureds might realize rate reductions of up to $439 a year.

If you want to find out if you’re overpaying, click here or quote prices from the following companies.

These rates are averages for all types of drivers and the different vehicles they drive and do not take into consideration a specific rate value for a Ford Escape. So the company that has the lowest price for you may not even be in the above rate chart. That points out the importance of why you need to compare rates from as many companies as possible using your own driver information and specific vehicle type.

Types of discounts on Connecticut insurance rates

Auto insurance companies that provide cheap insurance for a Ford Escape in Connecticut may provide special discounts that could lower prices by 40% or more if you meet specific eligibility requirements. A few popular companies and their offered discounts can be found below.

The example below shows the comparison of yearly insurance costs with and without discounts applied to the rates. The information is based on a female driver, no claims or driving violations, Connecticut state minimum liability limits, comp and collision included, and $100 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with multiple vehicle, vehicle safety, passive restraint, claim-free, homeowner, and defensive driving course discounts applied. When taking advantage of discounts, the the average yearly reduction on car insurance for a Ford Escape is 13% or $280.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 2759,1987],[‘Age 30’, 1917,1393],[‘Age 40’, 1777,1289],[‘Age 50’, 1555,1131],[‘Age 60’, 1499,1089],[‘Age 70’, 1743,1261]]);var options = {title: ‘Effect of Discounts on Insurance Rates for a Ford Escape’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Ford Escape’,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(‘qcibdisc’));chart.draw(data, options);}

Violations and accidents raise rates

One of the best ways to snag cheap insurance for a Ford Escape in Connecticut is to drive safely and avoid getting tickets or having accidents. The illustration below highlights how traffic violations and at-fault fender-benders can affect insurance rates for different age groups. The data is based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 2123,2581,3047],[‘Age 30’, 1099,1557,2021],[‘Age 40’, 1075,1533,1997],[‘Age 50’, 987,1445,1909],[‘Age 60’, 969,1427,1889],[‘Age 70’, 1141,1599,2061]]);var options = {title: ‘Impact of Violations and Accidents on Connecticut Ford Escape Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Ford Escape in Connecticut’,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);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the example above, the average cost of a car insurance policy in Connecticut per year with a clean driving record and no accidents is $1,232. Add in two speeding tickets and the average cost hikes up to $1,690, an increase of $458 each year. Then add in one accident along with the two speeding tickets and the 12-month cost of car insurance for a Ford Escape increases to an average of $2,154. That’s an increase of $922, or $77 per month, just for not driving carefully!