Cheapest Insurance for a Ford Escape in Nebraska

Your odds of finding affordable car insurance for a Ford Escape in Nebraska relies on factors like the number of years you have been licensed, if you have ever had a gap in coverage, and your policy deductibles. Nebraska drivers on average pay approximately $700 annually to insure an Escape, but that cost is an estimation based upon a 30-year-old single male that wants full coverage including both comprehensive and collision and $1,000 physical damage deductibles.

There’s a good chance you may not be 30 years old (or even male), possibly married instead of single, or maybe your Escape doesn’t need comprehensive and collision coverage. Having what appears to be a very minor change in the criteria used to calculate rates can result in a massive change in the rate quoted for a Ford Escape.

Every driver’s needs are different, and that is why your best shot at finding cheap insurance prices for your Ford is to start the habit of comparing rates at least once a year.

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The specific model of Escape tends to have a direct effect on the annual cost of coverage, so the price you will pay to insure a Escape XLS 2WD will be $66 less than the price to insure the higher-priced Escape Limited 4WD trim level, as shown below.

Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nebraska minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Table data does not factor in Nebraska location which can decrease or increase coverage prices significantly.

Finding decent, affordable auto insurance is not always easy, and finding out which insurers offer the cheapest auto insurance rates for a Ford Escape will involve even more rate comparisons. Every car insurance company uses their own formula to set policy rates, so let’s take a look at the auto insurance companies that tend to have lower prices in Nebraska.

It’s important that readers know that Nebraska auto insurance rates are based on many factors which can substantially change the cost of coverage. This is why it is critical to perform a complete rate comparison to find cheap auto insurance quotes for a Ford Escape. Car insurance prices are determined by many risk factors and can decrease or increase without notice, so the best company two years ago may now be one of the higher cost companies.

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Safeco offers some of the most affordable car insurance rates in Nebraska at around $788 per year. The Hartford, Auto-Owners, Allied, and Farm Bureau Mutual also qualify as some of the more affordable Nebraska insurance companies.

In the above example, if you currently buy coverage from The Hartford and switched to Safeco, you might achieve yearly savings of around $51. Nebraska drivers with Auto-Owners might save as much as $117 a year, and Allied customers might cut rates by $161 a year.

These rates are averaged across all drivers and vehicles in Nebraska and do not take into consideration a specific rate value for a Ford Escape. So the auto insurance company that can offer you the lowest price may not even be included in the company chart above. That helps illustrate why you need to quote rates from as many companies as possible using your own specific driver information and vehicle.

The illustration below demonstrates how deductibles can affect insurance costs when getting quotes for cheap insurance for a Ford Escape. The price estimates are based on a married female driver, comprehensive and collision coverage, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 1949,1789,1601,1419],[‘Age 30’, 1373,1253,1115,981],[‘Age 40’, 1351,1235,1103,975],[‘Age 50’, 1189,1091,973,863],[‘Age 60’, 1133,1039,927,821],[‘Age 70’, 1207,1105,993,885]]);var options = {title: ‘Effect of Higher Deductibles on Ford Escape Insurance Rates in Nebraska’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Ford Escape’,minValue: 0,format: ‘$###,###’},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);}

The data above shows that a 30-year-old driver could pocket $248 a year by switching from a $100 deductible to a $500 deductible, or save $376 by selecting a $1,000 deductible. Younger drivers, like the 20-year-old category, have the ability to save up to $530 or more just by choosing larger deductibles.

When using a larger deductible, it will be necessary to have plenty of money set aside to allow you to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Impact of citations and accidents on Nebraska insurance rates

In a perfect world, the ideal way to enjoy the cheapest insurance for a Ford Escape in Nebraska is to drive safely and avoid tickets and accidents. The diagram below highlights how traffic violations and fender-benders influence yearly insurance costs for each different age category. The prices are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no other 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 Two Accidents’],[‘Age 20’, 2845,3473,5617],[‘Age 30’, 1503,2133,4275],[‘Age 40’, 1431,2065,4205],[‘Age 50’, 1309,1941,4083],[‘Age 60’, 1289,1921,4059],[‘Age 70’, 1465,2097,4239]]);var options = {title: ‘Accidents, Violations, and Nebraska 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 Nebraska’,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 car insurance in Nebraska per year with a clean driving record and no accidents is $1,640. Get written up for two speeding tickets and the average cost swells to $2,272, an increase of $631 each year. Now include two accidents along with the two speeding tickets and the yearly cost of auto insurance for a Ford Escape goes up to an average of $4,413. That’s an increase of $2,773, or $231 per month, just for being a little careless behind the wheel!

Geico vs Progressive vs Allstate vs State Farm

If you are looking for the best car insurance, some of the first companies to look at are Geico, Progressive, Allstate, and State Farm. When added together, they make up about 50% of all policies written in the United States. The data below compares and contrasts some of the different options offered by each company.