Best Cheap Insurance for a Ford Escape in North Carolina

When we talk about auto insurance, the words “cheap” or “affordable” should not appear anywhere to describe car insurance prices. Please forgive the oxymoron, but cheap auto 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 quote auto insurance that you are able to afford.

The chances of finding cheaper auto insurance for a Ford Escape in North Carolina is contingent on a complex rating formula that takes into consideration things such as your marital status, the insurance company you are currently insured with, and driving citations. Drivers pay around $560 a year for Escape insurance, but that policy rate is a projection that uses a 30-year-old married male driver that included full coverage including both comprehensive and collision and $500 deductibles.

More likely than not, you are not 30 and maybe not even a male, single instead of married, or maybe you prefer liability limits higher than required by North Carolina state law. This shows why the most reliable way to find cheap auto insurance rates for your Ford is to shop your policy around every couple of years. It’s really quite easy you can get rates from top-rated companies in North Carolina.

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Vehicle trim level tends to impact the yearly cost, so the rate you pay to insure a Escape XLS 2WD will be $68 less expensive the cost to insure the more expensive Escape Limited 4WD model, as shown below.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Estimates do not factor in vehicle location which can modify prices noticeably.

Selecting the right auto insurance company can be a challenge considering how many companies are available to choose from in North Carolina. The company rank data in the next section can help you decide which providers to look at when looking for cheaper rates.

The rankings below are only made up of large insurance companies, so smaller companies are not included in this list. To get price quotes from these and other competitive companies, simply click here.

Top 10 Large Auto Insurance Companies Overall in North Carolina

1. Travelers
2. USAA
3. AAA Insurance
4. Nationwide
5. Allstate
6. State Farm
7. The Hartford
8. Safeco Insurance
9. Progressive
10. American Family

Top Companies for Ford Escape Insurance in North Carolina

The illustration below shows how choosing a deductible can affect yearly insurance costs when trying to find cheap insurance for a Ford Escape. The data assumes a married male driver, comprehensive and collision coverage, and no discounts are applied.

A 40-year-old driver could lower their car insurance rates by $180 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $272 by choosing a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, could reduce their rates $598 each year just by choosing higher deductibles. When increasing deductibles, it is important to have plenty of money set aside to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

Types of discounts on North Carolina insurance rates

Car insurance companies that sell the best cheap insurance for a Ford Escape in North Carolina may also provide rate discounts that could lower prices by as much as 35% if you meet certain criteria. The best insurance companies and their offered discounts are outlined below.

The illustration below compares auto insurance rates with and without discounts applied to the policy rates. The data is based on a male driver, no claims or driving citations, North Carolina state minimum liability limits, full physical damage coverage, and $500 deductibles.

The first bar for each age group shows the price with no discounts. The second bar shows the rates with marriage, passive restraint, claim-free, homeowner, accident-free, and safe-driver discounts applied. With discounts applied, the the average amount saved on insurance for a Ford Escape is 13% or $255.

Who has the cheapest Ford Escape insurance quotes?

You have a lot of ways to shop around for insurance in North Carolina, but the most prevalent ways are from a captive (or exclusive) agent such as State Farm or Liberty Mutual, a non-exclusive or independent agent, or direct either online or via phone. All three ways are similar, but they differ in how they price policies.

Independent agents write business for many companies and can get rate quotes from each one. These types of agencies can quote with many companies and quote rates with many companies, which may give you improved odds of finding cheaper coverage. If they find a lower price, it’s simple to move the policy which prevents you from having to find a new agency.

A captive or exclusive agent is only able to quote your policy with just one company, for example an Allstate or State Farm agent. These agents usually cannot shop your coverage around, so they really need to provide good service.

If you buy direct, you forego local insurance agents and buy buying direct from a company like Geico or Esurance. Shopping for insurance direct can be a good choice for families who do not need high levels of coverage and understand what insurance covers and what it doesn’t.

Which way works best to find the best cheap insurance for a Ford Escape in North Carolina? We’d like to tell you buying direct saves money since there is no middleman, but in reality, that argument does not hold true. We could also assume that buying from an independent agent can save the most money since there are more companies to choose from, but that is not accurate either. And sometimes, the exclusive agents have price quotes well below independent agents AND direct companies.

Since insurance rates vary so much, the only real way to get the lowest rate is to compare, compare, and compare some more. Industry experts recommend getting prices from all three types to have enough rates to compare. For a list of companies offering online discounts, click here to view.

How to get the best cheap insurance for a Ford Escape in North Carolina

Below you’ll find some of the better money-saving ideas that can help drivers get cheaper coverage.

• Safer vehicles generally have cheaper insurance rates
• Improve your credit score
• Do not get into accidents that are your fault
• Buying car and homeowners insurance together can save money
• Drop full coverage on older vehicles
• Comparison shop frequently

That last idea is highly critical, as we noted in this article. Prices charged by companies vary greatly, so drivers shouldn’t hesitate to buy a different policy if you can save money.

Brand loyalty is not necessarily bad, but is isn’t recommended if that dedication is costing thousands of dollars over several years. Now is a great time to shop around to find cheaper car insurance for a Ford Escape.