How Much is Insurance for a Ford Escape in Idaho?

We always joke that when we write about auto insurance, the words “affordable” or “cheap” should never appear anywhere to describe car insurance prices. Despite the oxymoron, cheap car insurance for a Ford Escape does not exist. But fear not, because we are going to show you some ways you can still get coverage that is cheaper than what you have now.

Whether or not you can find the cheapest coverage for a Ford Escape in Idaho is contingent on many factors like if you are single or married, your profession, and citations on your driving record. Drivers on average pay around $700 each year to insure an Escape, but that rate is an approximation using rating data for a 40-year-old single female who purchased full physical damage coverage and $250 deductibles.

There is a high probability that you are not 40 and possibly not even female, maybe you are married instead of single, or maybe you’ve had an at-fault accident or two. Having just a slight change in the factors used to determine rates can result in a massive change in rates.

Auto insurance prices are based on the driver profile the best way to quote cheap car insurance rates for your Ford is to put in the effort to do a thorough rate comparison.

Save Now on Escape Insurance

Your Ford’s trim level will be a contributing factor to price, so the price you pay to insure a Escape XLS 2WD will be $86 less than the price to insure the fancier Escape Limited 4WD trim level, as shown below.

Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Idaho minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Rates do not factor in specific location which can raise or lower premium rates noticeably.

Buying coverage from the top company can be difficult considering how many companies are available to choose from in Idaho. The information listed below can help you pick which auto insurance companies to look at buying from.

The rankings below are only made up of companies that insure vehicles nationwide, so smaller companies that only insure vehicles in Idaho will not be included in these rankings. To get rate quotes from these top-rated insurers and more, simply click here.

The illustration below illustrates how choosing a deductible can raise or lower insurance costs when researching cheap insurance for a Ford Escape. The prices are based on a single male driver, full physical damage coverage, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2325,2123,1899,1687],[‘Age 30’, 1211,1115,1005,895],[‘Age 40’, 1199,1099,981,871],[‘Age 50’, 1093,1001,897,799],[‘Age 60’, 1057,971,873,777],[‘Age 70’, 1279,1179,1069,965]]);var options = {title: ‘Effect of Deductibles on Ford Escape Insurance Rates in Idaho’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Ford Escape’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

A 40-year-old driver could lower rates by $196 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $294 by choosing a $1,000 deductible. Even younger insureds, like the Age 20 chart data, could lower their rates as much as $638 annually by choosing a higher deductible. If you make the decision to raise deductibles, it is essential to have plenty of discretionary funds to enable you to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Safe drivers pay less for auto insurance

The easiest method to enjoy cheap auto insurance prices in Idaho for an Escape is to be a cautious driver and have a clean driving record. The chart below shows how speeding tickets and at-fault collisions impact insurance costs for different insured age categories. The costs are based on a single male driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.

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’, 2325,2765,3209],[‘Age 30’, 1211,1657,2099],[‘Age 40’, 1199,1643,2087],[‘Age 50’, 1093,1535,1975],[‘Age 60’, 1057,1497,1939],[‘Age 70’, 1279,1719,2161]]);var options = {title: ‘Violations, Accidents, and Idaho 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 Idaho’,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);}

The data above shows the average cost of auto insurance per year with a clean driving record and no accidents is $1,361. Get two speeding tickets and the average cost jumps to $1,803, an increase of $442 each year. Now add one accident along with the two speeding tickets and the 12-month cost of auto insurance for a Ford Escape jumps again to an average of $2,245. That’s an increase of $884, or $74 per month, just for not being more responsible behind the wheel!

State Farm vs Progressive vs Allstate vs Geico

When researching insurance for an Escape in Idaho, the companies that insure more vehicles than anyone else are State Farm, Progressive, Allstate, and Geico. They all offer a slightly different set of options and discounts that may affect your buying decision. The table below rates pricing and service ratings, plus some optional coverages offered by each company.

Best cheap Ford Escape insurance quotes

There are a variety of different ways to find cheaper auto insurance in Idaho, but the three most common methods are using a captive (or exclusive) agency such as State Farm or Auto-Owners, an independent insurance agent, or direct online or over the phone from a company like Geico or Progressive.

All three ways are similar, but auto insurance shoppers should know the differences in how they give price quotes.

Independent agents are appointed by several companies and can get rate quotes from all of them. They are not required to write business for one company and can compare multiple rates, which can help you get a better comparison. If you are not satisfied with one company, your policy can be easily switched to a different company and the insured can keep the same agent.

An agent who is captive is only able to give prices for one company, for example Allstate and Liberty Mutual agents. Exclusive agents normally do not have the ability to compare rates from other companies, so if prices are high they cannot provide alternatives.

If you choose to buy auto insurance direct, you skip an independent or exclusive agent and buy buying direct from a company like Geico or Progressive. This option can be a good choice for people who do not need high levels of coverage and know more than average about the limitations of their policy.

What is the best way to find cheap insurance for a Ford Escape in Idaho? Most people assume that buying from a direct car insurance company results in the best prices because there isn’t an agent involved, but unfortunately, that is not the case. It could also be said an independent agency is the best way to go due to more options, but that assumption is also not accurate. And occasionally, exclusive agents have price quotes that independents and direct companies can’t touch.

Due to the large number of rating factors, the only true way to buy the cheapest coverage is to compare rate quotes from as many companies as possible. We highly recommend getting price quotes from all three in order to find the best price. We compiled a list of companies with some of the cheapest online rates that you can click here to view.