How Much are Insurance Quotes for a Ford Escape in New Jersey?

Our editors keep telling us that when writing about auto insurance, the word “cheap” should not be used as a descriptor for car insurance rates. Sad but true, cheap auto insurance for a Ford Escape is just plain contradictory. We’ll try to make it up to you, because we will teach you how you can find car insurance that is cheaper than what you have now.

The odds of finding the cheapest auto insurance for a Ford Escape in New Jersey is contingent on an enormous amount of rating factors like how far you drive to work, whether or not you garage your vehicle, and if you have a clean driving record. Drivers pay approximately $1,390 a year to insure their Escape, but that figure is based on a 40-year-old single male driver that purchased both comprehensive and collision coverage and $250 physical damage deductibles.

There is a high likelihood that you are not exactly 40 years old and possibly not even male, possibly married instead of single, or maybe your Escape doesn’t need full coverage. Auto insurance is unique to each driver, so the best method for finding cheap car insurance rates for your Ford is to make a habit of regularly comparing rates from other companies.

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The trim level of your vehicle will be a contributing factor to the annual cost of coverage, so the rate you will pay to insure a Escape XLS 2WD will be $174 cheaper than the cost to insure the more well-appointed Escape Limited 4WD model, as shown in the table below.

Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and New Jersey minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Premium amounts do not factor in vehicle garaging location which can lower or raise price quotes significantly.

Picking the best insurance company can be rather challenging considering how many companies provide coverage in New Jersey. The rank data shown below may help you choose which car insurance providers to look at when comparing rates. The rankings below include the companies with a significant amount of written premium nationwide, so companies that only write business in New Jersey or surrounding areas will not be included in these rankings.

Top 10 Major Auto Insurance Providers in New Jersey Ranked by A.M. Best Rating

1. GEICO – A++
2. Travelers – A++
3. State Farm – A++
4. USAA – A++
5. Allstate – A+
6. Nationwide – A+
7. Mercury Insurance – A+
8. Progressive – A+
9. The Hartford – A+
10. Esurance – A+

Top 10 Major Auto Insurance Providers Overall in New Jersey

1. Mercury Insurance
2. The Hartford
3. Progressive
4. Travelers
5. State Farm
6. Farmers Insurance
7. Safeco Insurance
8. USAA
9. GEICO
10. 21st Century

Top Companies for Ford Escape Insurance in New Jersey

Types of discounts on New Jersey insurance rates

Car insurance companies that provide cheap insurance for a Ford Escape in New Jersey may have rate discounts that could lower prices by 35% or more if you meet specific criteria. A list of companies and a summarized list of policyholder discounts can be read below.

The information below visualizes the comparison of car insurance rates with and without discounts applied. The premiums are based on a female driver, a clean driving record, no claims, New Jersey state minimum liability limits, full coverage, and $100 deductibles.

The first bar for each age group shows the price with no discounts. The second shows the rates with multiple policy, multiple vehicle, homeowner, safe-driver, vehicle safety, and passive restraint discounts applied. When these discounts are applied, the the amount saved on car insurance for a Ford Escape is 17% or $237.

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The chart below illustrates how your choice of deductibles can increase or decrease insurance premiums when trying to find cheap insurance for a Ford Escape. The premiums are based on a single female driver, full physical damage coverage, and no discounts are factored in.

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The chart above illustrates that a 40-year-old driver could lower rates by $398 a year by switching from a $100 deductible up to a $500 deductible, or save $604 by changing to a $1,000 deductible. Youthful drivers, like the 20-year-old category, could shave $998 or more by choosing a larger deductible amount.

When insureds make the decision to increase the deductibles on their policy, it is important to have enough savings to enable you to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

How to find low-cost auto insurance for a Ford Escape

The list below details a few money-saving ideas that can help New Jersey drivers find cheap coverage.

• You will pay more if you get tickets or have at-fault accidents
• Save money by only buying liability coverage for older vehicles
• Drive safe vehicles
• Multi-policy discounts save money
• Prevent rate increases by staying accident-free
• Save money by staying claim-free
• Check for cheaper rates once a year

The final tip is incredibly necessary, as we emphasized in the prior information. Insurance rates in New Jersey vary considerably, so drivers shouldn’t be reluctant to buy a policy from a new company if you can find a cheaper rate. Many drivers prefer to stick with one company, but it’s not recommended if that dedication is costing hundreds of dollars year after year. Spend a few minutes and compare rates and find cheaper car insurance for a Ford Escape.

Best rates: Progressive, State Farm, Geico, or Allstate

When researching insurance for an Escape in New Jersey, the top insurers to get price quotes from are Progressive, State Farm, Geico, and Allstate. When combined, they insure almost half of the entire U.S. car insurance market. All of them offer liability and physical damage protection, but each on has a slightly different set of options and discounts that may influence which company you choose. The table below compares and contrasts some of the different options and features offered by each one.