Who Has Cheap Insurance Quotes for a Ford Escape in Illinois?

Because the topic is auto insurance, the word cheap really should not be used anywhere to describe car insurance rates. Unfortunately, cheap car insurance for a Ford Escape is not always easy to find. But don’t despair, because we are going to tell you how you can still find car insurance that you can afford to pay for.

The chances of buying the best cheap insurance for a Ford Escape in Illinois depends upon a fairly complex equation with a lot of factors like how old the vehicle is, the condition of your credit, and your choice of physical damage deductibles. Illinois drivers pay on average $620 annually to insure a Ford Escape, but that price is an estimation using rate data for a 50-year-old married female driver that purchased full coverage including both comprehensive and collision and $100 deductibles.

More likely than not, you are not 50 and maybe not even a female, you might be single instead of married, or maybe you have a violation on your driving record. This illustrates why the best method for finding cheap insurance prices for your Ford is to do the rate comparisons yourself.

View Ford Escape Insurance Rates

Your vehicle’s trim level can impact the yearly cost, so the cost to insure a Escape XLS 2WD model will be $82 cheaper than the insurance cost for the fancier Escape Limited 4WD trim level, as demonstrated by the prices below.

Data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Illinois minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Prices do not factor in specific location information which can raise or lower coverage prices significantly.

Ending up with a highly-rated insurer is difficult considering how many companies provide coverage in Illinois. The company rank data below can help you analyze which car insurance companies you want to consider when comparing insurance rates for a Ford Escape. The ratings below are only made up of companies that insure vehicles across America, so companies without a large exposure will not be included in these rankings.

Top 10 Large Auto Insurers in Illinois Ranked by Customer Service

1. Mercury Insurance
2. Nationwide
3. State Farm
4. Safeco Insurance
5. American Family
6. Titan Insurance
7. Travelers
8. Liberty Mutual
9. GEICO
10. Erie Insurance

Top 10 Large Auto Insurers Overall in Illinois

1. USAA
2. 21st Century
3. GEICO
4. Nationwide
5. AAA Insurance
6. Liberty Mutual
7. Safeco Insurance
8. State Farm
9. Travelers
10. American Family

Top Companies for Ford Escape Insurance in Illinois

The diagram below shows how different deductible levels can change insurance rates when researching cheap insurance for a Ford Escape. Data assumes a single female driver, full physical damage coverage, and no other discounts are factored in.

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As shown above, a 30-year-old driver could pocket $248 a year by switching from a $100 deductible to a $500 deductible, or save $374 by using a $1,000 deductible. Even younger drivers, such as the 20-year-old example, could reduce their rates as much as $544 annually just by choosing larger deductibles.

When insureds make the decision to increase the deductibles on their policy, it’s a good idea to have enough funds in savings to be able to cover the extra out-of-pocket expense, which deters some people from using high deductibles.

State Farm, Geico, Allstate, or Progressive: Which is best?

When buying insurance for an Escape in Illinois, some of the first companies to look at are State Farm, Geico, Allstate, and Progressive. The next table compares and contrasts some of the ratings and options that you can purchase from each one.

Tips to find cheaper auto insurance for a Ford Escape

The list below shows some of the recommended money-saving ideas that can help you get cheap auto insurance.

• You will pay more if you get tickets or have at-fault accidents
• Pay for small claims rather than turning them in to your insurance company
• Drivers with good credit often pay less
• Safer vehicles cost less to insure
• Being accident-free can lower rates significantly
• Compare rate quotes frequently

The final tip is very crucial, as we discussed in the article above. Car insurance prices in Illinois fluctuate constantly, so drivers shouldn’t be reluctant to buy from a different company if a cheaper rate is available.

Loyalty to a specific company is fine, but it’s not a great idea if it’s costing you money that could be spent on other things. Now is a great time to compare rates to find cheaper car insurance for a Ford Escape.

Best cheap Ford Escape insurance quotes

Thanks to technology, there are a lot of ways to get cheap car insurance quotes in Illinois, but the three most common are through an exclusive insurance agent like State Farm or Liberty Mutual, an independent agent, or buying direct from a company like Geico or Progressive.

They all have the same end result, but they are slightly different in how they function.

Independent agencies work for many companies and can quote your policy with all of them. Independent agents can sell policies from many different companies and can provide you with more rate quotes, which can give you more bang for your buck. If the agent locates a cheaper price, they simply move the coverage in-house and you can remain with the same agent.

An exclusive agent is able to place business with one insurance company, examples being an Auto-Owners or Allstate agent. Exclusive agents generally are unable to provide multiple price quotes, so drivers will want to get other quotes as well.

If you buy direct, you do not use an agent and instead shop direct either online or via phone. Buying direct may be a decent choice drivers who do not need high amounts of coverage and have an above average understanding of the exclusions of a policy.

So out of those three methods, which one works best to find cheap insurance for a Ford Escape in Illinois? Most people assume that buying from a direct company yields the cheapest rates because there are no middleman commissions, but in reality, that is not the case. We’d also like to say going through an independent agent is the best way because they can quote many companies, but again, it’s not necessarily true. In many circumstances, exclusive agents may have very competitive prices that are the cheapest.

Since car insurance rates vary so much, really the only way to ensure you are not overpaying for car insurance is to compare, compare, and compare some more. Put in the effort to get quotes from all three types to have the best rate selection. For a list of companies with online discounts, click here to view.