Who Has Cheap Insurance for a Ford Escape in South Dakota?

Our editors keep telling us that when writing about car insurance, the words “cheap” or “affordable” should not be used anywhere in the article to describe car insurance prices. Please forgive the oxymoron, but cheap car insurance for a Ford Escape just does not exist. But don’t despair, because we are going to show you how you can still get auto insurance that you can afford to pay for.

Your odds of finding cheaper coverage for a Ford Escape in South Dakota relies on a lot of things like how you use your Escape, the size of your vehicle, and if you have a clean driving record. Drivers in South Dakota will pay on average $790 annually to insure their Escape, but that is using rating data for a 40-year-old married male with full coverage and $100 physical damage deductibles.

That rate won’t apply to everyone, because more than likely you’re not a 40-year-old male, you might be single instead of married, or maybe you just want liability only instead of full coverage. Every insurance policy is unique to the driver, so the best method for finding the cheapest rates for your Ford is to make a habit of regularly comparing rates from other companies. Quotes are free and you can get rates from the cheapest companies in South Dakota.

Find Cheaper Ford Escape Insurance

The specific model of Escape will be a contributing factor to the cost of insurance, so the price you pay to insure a Escape XLS 2WD trim level will be $104 less than the insurance cost for the more expensive Escape Limited 4WD version, as shown in the chart below.

Data rating is based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and South Dakota minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Premium amounts do not factor in specific location information which can impact premium rates greatly.

Finding reliable, low-priced insurance is confusing at best, and deciding which companies have the best insurance rates for a Ford Escape calls for even more diligence.

Every insurance company uses their own formula for setting rates, so first let’s look at the rankings for the insurance companies with the most affordable rates in South Dakota. We do need to point out that South Dakota insurance rates are based on many factors which can significantly increase or decrease the cost of coverage. Simply having another birthday, increasing deductibles, or getting a ticket for careless driving can trigger changes in premium resulting in some rates now being higher-priced than the competition.

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USAA has some of the best car insurance rates in South Dakota at around $631 a year. Auto-Owners, State Farm, Farmers Mutual of Nebraska, and Western National would also make the list of some of the more affordable South Dakota car insurance companies.

As illustrated above, if you currently have a policy with Farmers Mutual of Nebraska and switched to Auto-Owners, you could realize annual savings of around $72. Insureds with Western National could save as much as $144 a year, and Unitrin insureds might see rate reductions of $151 a year.

To see how much you can save, click here to start a quote or click through to the companies below.

These estimates are averaged across all types of insureds and vehicles and and are not figured with a specific rate factor for a Ford Escape. So the insurer that fits you best may not even be shown in the company chart above. That helps illustrate why you need to get rate quotes from many companies using your own individual information.

The example below illustrates how your choice of deductibles can affect insurance rates when getting quotes for cheap insurance for a Ford Escape. The premiums are based on a single female driver, full physical damage 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’,’$1,000 Deductible’],[‘Age 20’, 2403,2211,1997,1793],[‘Age 30’, 1687,1545,1377,1217],[‘Age 40’, 1563,1435,1283,1141],[‘Age 50’, 1369,1257,1125,999],[‘Age 60’, 1321,1213,1087,967],[‘Age 70’, 1523,1401,1265,1133]]);var options = {title: ‘Comparison of Deductible Levels and Ford Escape Insurance Rates in South Dakota’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Ford Escape’,minValue: 0,format: ‘$###,###’},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);}

In the chart above, a 40-year-old driver could lower their car insurance rates by $244 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $370 by changing to a $1,000 deductible. Even younger drivers, like the 20-year-old example, could potentially save $610 or more by using a higher deductible.

If you do make the decision to raise your deductibles, it will now be necessary to have enough in a savings account to enable you to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

Cost comparison with and without full coverage

Finding cheap insurance for a Ford Escape in South Dakota is the goal of most vehicle owners, and one way to lower the cost of insurance is to not buy full coverage. The diagram below visualizes the comparison of insurance prices with full physical damage coverage compared to only buying the minimum liability limits required in South Dakota. The premiums are based on a clean driving record, no claims, $250 deductibles, marital status is single, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $250 Deductibles’, ‘Liability Only’],[‘Age 20’, 2689,897],[‘Age 30’, 1433,495],[‘Age 40’, 1405,459],[‘Age 50’, 1279,431],[‘Age 60’, 1235,423],[‘Age 70’, 1491,563]]);var options = {title: ‘Full Coverage Rates Compared to Liability Only Rates’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Ford Escape in South Dakota’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

If the expense is averaged for all age categories, physical damage insurance costs $1,589 per year more than just buying liability insurance. That amount may make you wonder if buying full coverage is worth the expense. There is no definitive guideline for eliminating full coverage, but there is a general guideline. If the yearly cost of full coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.

For example, let’s pretend your vehicle’s claim settlement value is $9,500 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $8,500 after you pay the deductible. If you are paying over $850 a year for your policy with full coverage, then you may want to consider only buying liability coverage.

There are a few cases where removing full coverage is not in your best interest. If you still have a loan on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not eliminate full coverage.

Cheap Ford Escape insurance quotes

Due to technology, there are many ways to find cheap insurance in South Dakota, but the most frequently used methods are from a non-exclusive or independent agent, a captive (or exclusive) agent such as State Farm or Allstate, or direct online or over the phone from a company like Geico or Progressive.

They all have the same basic principle, but it’s good to know the differences in how they provide rate quotes.

Independent insurance agencies have contracts with multiple insurance companies and can get policy pricing from all of them. Agents of this type have the ability to give you a larger rate selection, which may give you the best shot at cutting your rates. If you are not satisfied with one company, the agent simply finds a different carrier which prevents you from having to find a new agency.

An exclusive ageny is able to place business with just one company, examples being a State Farm or Farmers agent. These agents are not able to provide other companys’ prices, which requires you to shop around.

Drivers who opt to buy insurance direct skip an exlusive or independent agent and instead buy buying direct from a company like Progressive or Geico. Buying direct is good for consumers who have an average risk profile and have knowledge of what insurance covers and what it doesn’t.

Which way works best to buy cheap insurance for a Ford Escape in South Dakota? It would be easy to say shopping direct results in the cheapest rates because there are no middleman commissions, but unfortunately, it’s not that cut and dried. And we’d like to say using an independent agent is the best way to go because they can shop around, but again, that’s not accurate. For some people, the exclusive agents may have very competitive prices that are the lowest in South Dakota.

Because there is so much variation in insurance prices, the guaranteed way to get the cheapest rates is to get quotes and compare. In a perfect world, youll get prices from all three to give yourself plenty of rates to compare. For a list of companies with cheap rates in South Dakota, click here to view.

How to find budget-friendly auto insurance for a Ford Escape

It is possible to find better rates, and here are some money-saving solutions that can help South Dakota drivers buy lower-cost car insurance.

• Pay lower rates with good credit
• Buy safe vehicles
• Avoid speeding and other traffic citations and pay less
• Avoid accidents
• Do not file small claims
• Comparison shop at least once a year

The last idea is particularly critical, as we pointed out in this article. Insurance prices fluctuate considerably, so drivers shouldn’t be resistant to buy from a new company if a better rate can be found. Many drivers prefer to stick with one company, but it’s not a good idea if that faithfulness ends up costing you a small fortune year after year. Now is a great time to compare prices and find cheaper auto insurance for a Ford Escape.