Best Cheap Insurance for a Ford Escape in Arizona

Our editors always tell us that when writing about auto insurance, the word cheap should never appear anywhere in the article to describe car insurance rates. Please forgive the oxymoron, but cheap auto insurance for a Ford Escape can be difficult to find. But fear not, because we will show you how you can find and buy auto insurance that is more affordable.

The odds of finding cheaper auto insurance for a Ford Escape in Arizona is contingent on a whole bunch of rating criteria such as how you use your vehicle, your profession, and your driving record. Drivers in Arizona on average pay approximately $670 a year for Escape insurance, but that is a projection based on a 50-year-old married male who requires both comprehensive and collision coverage and $250 policy deductibles.

There is a very good chance that you are not 50 and maybe not even a male, you might be single instead of married, and you don’t want the same coverages and limits as the example. Even a very minor difference in input factors can create big changes in how much coverage for a Ford Escape costs.

Insurance is an individual thing, so the only way to find the cheapest coverage for your Ford is to just compare rates yourself.

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The specific model of Escape will most likely have an effect on the insurance rate, so the price you will be charged to insure a Escape XLS 2WD will be $82 less expensive the cost to insure the fancier Escape Limited 4WD model, as shown below.

Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Rate quotes do not factor in specific Arizona garaging location which can decrease or increase coverage prices noticeably.

Shopping around for budget car insurance is confusing at best, and finding out which companies quote the most affordable auto insurance rates for a Ford Escape involves more quotes for comparison. Every insurance provider uses their own method to determine rates, so let’s begin by examining the most budget-friendly auto insurance companies in Arizona.

Keep in mind that Arizona auto insurance rates are influenced by many factors that will increase or decrease the price you pay for coverage. Price variation is why it is important to spend some time comparing rates to find the best insurance quotes for a Ford Escape. Auto insurance prices can be determined by many things and change substantially, so the best company when you last compared rates may now be wasting a lot of money.

Cheapest Insurance Rates for Your Escape

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The Hartford normally has some of the lowest car insurance rates in Arizona at around $836 per year. Auto-Owners, Safeco, Travelers, and USAA would also make the list of some of the cheaper Arizona auto insurance companies.

As depicted above, if you currently have a policy with Safeco and switched to The Hartford, you might realize a yearly savings of in the neighborhood of $69. Insureds with Travelers may save as much as $250 a year, and USAA customers might reduce prices by as much as $255 a year.

Understand that those premiums are averages for all types of insureds and vehicles and are not factoring in a specific rate value for a Ford Escape. So the insurer that is best for you may not even be in the list of companies above. That’s why you need to compare rates from multiple companies using your own driver and vehicle profiles.

Full coverage versus liability only rates

Finding the best cheap insurance for a Ford Escape in Arizona is important to most drivers, and one of the quickest ways to save on the cost of insurance is to only buy liability coverage. The illustration below visualizes the comparison of insurance prices with full coverage and liability only. The rate quotes are based on no violations or claims, $250 deductibles, single status, and no other discounts are factored in.

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If the expense is averaged for all age categories, physical damage insurance costs an extra $1,579 per year over having just liability coverage. That is a significant amount which raises the question if full coverage is worth the money. There is no set rule to eliminate physical damage insurance, but there is a general school of thought. If the annual cost of your full coverage insurance is more than about 10% of the settlement you would receive from your company, then you may need to consider dropping full coverage.

For example, let’s say your vehicle’s book value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, you would only receive $7,000 after the policy deductible has been paid. If it’s costing in excess of $700 a year for your policy with full coverage, then you may want to consider only buying liability coverage.

State Farm, Geico, Progressive, and Allstate: Who is best?

If you’re looking for the cheapest insurance for an Escape, four good companies to start with are State Farm, Geico, Progressive, and Allstate. All of them offer physical damage and liability coverage, but each has a unique set of features, discounts, and options that drivers can select from. The next table compares some of the different options that are available for customers.

Cheap Ford Escape insurance quotes

There are many different ways to find affordable auto insurance in Arizona, but the most popular are through a non-exclusive or independent agent, a captive (or exclusive) agent such as Auto-Owners or State Farm, or from a direct company like Progressive.

They all have the same end result, but they differ slightly in how they give price quotes.

Independent insurance agencies have contracts with many companies and can get policy pricing from all of them. They are not restricted to one company and can provide multiple price quotes, which may provide you with a better comparison. If they find a cheaper price, the agent simply finds a different carrier and that require little work on your part.

An exclusive ageny is only able to write business for one insurance company, for example a State Farm or Liberty Mutual agent. Exclusive agents generally are unable to provide prices from multiple companies, so always compare other rates.

Drivers who opt to buy auto insurance direct bypass a local agent and instead shop direct online or over the phone from a company like Progressive or Geico. Shopping for auto insurance direct may be good for drivers who have little risk and have an above average understanding of how auto insurance works.

Which way is best for finding the best cheap insurance for a Ford Escape in Arizona? It would be obvious to point out buying from a direct company results in the cheapest rates since that eliminates agent commissions, but that turns out to not be true. And we’d like to say an independent agency saves the most money since there are more companies to choose from, but that assumption is not true either. In the right set of circumstances, the exclusive agents have price quotes that are the lowest in Arizona.

Since auto insurance prices vary so much, the guaranteed way to ensure you are not overpaying for auto insurance is to compare rate quotes from as many companies as possible. Money-saving experts recommend you get price quotes from all three in order to find the best price. For a list of companies with cheap rates in Arizona, click here to view.