2021 Ford Escape Car Insurance Rates in 2024 – 6 Tips for Best Quotes

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 6, 2024

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Searching for better auto insurance rates for your Ford Escape? Getting low-cost auto insurance can seem to be intimidating for vehicle owners who are beginners to quoting and comparison shopping over the internet. Because there are so many companies in the marketplace, how are vehicle owners expected to even start to compare all the different companies and get better prices?

If you have car insurance now, you will be able to save some money using this strategy. Buying more affordable insurance coverage coverage is easy if you know what you’re doing. But drivers do need to know how insurance companies market on the web.

The method we recommend to get rate comparisons is to know the fact all the major auto insurance companies have advanced systems to give rate comparisons. To begin a comparison, all you need to do is spend a couple of minutes providing details such as if a SR-22 is required, distance driven, if you went to college, and what your job is. The data is then sent to multiple companies and they return cost estimate immediately.

If you would like to compare rates now, click here and complete the form.

Does auto insurance advertising bend the truth?

Well-known auto insurance companies like 21st Century, Allstate and State Farm continually stream ads in print and on television. They all seem to state the claim that you’ll save big if you get a free auto insurance quote and switch your auto insurance coverage to their company. How can each company make almost identical claims?

Many companies have a preferred profile for the driver that earns them the most money. For instance, a desirable risk could possibly be between the ages of 40 and 55, has a clean driving record, and drives newer vehicles. A driver who fits those characteristics receive the lowest rate quotes and will probably save a lot if they switch.

Insureds who fall short of the “perfect” profile will get higher rates and this can result in business going elsewhere. Company advertisements say “customers who switch” not “everybody who quotes” save the amount stated. This is how companies can truthfully make claims like that.

This emphasizes why it is so important to get as many free auto insurance quotes as possible. It’s impossible to know which auto insurance company will have the best car insurance rates at this point in time.

Cheap car insurance quotes with discounts

Auto insurance companies don’t necessarily list every discount available in an easy-to-find place, so the following is a list of a few of the more common in addition to some of the lesser obvious credits that you can use to lower your rates.

  • Use Seat Belts – Drivers who require all vehicle occupants to wear their seat belts could save 15% off the personal injury premium cost.
  • First Accident Forgiveness – This isn’t a discount exactly, but companies like Progressive, Allstate, and GEICO may permit one accident without raising rates with the catch being you have to be claim-free for a particular time prior to the accident.
  • ABS and Traction Control Discounts – Cars with anti-lock braking systems are much safer to drive and will save you 10% or more.
  • Club Memberships – Belonging to qualifying clubs or civic groups could trigger savings on your next car insurance statement.
  • Claim-Free Discount – Insureds with no claims or accidents are rewarded with significantly better rates on auto insurance quote when compared with drivers with a long claim history.
  • Low Mileage – Low annual miles may enable drivers to earn lower premium rates due to less chance of an accident.

Don’t be surprised that many deductions do not apply to the entire cost. Most only reduce specific coverage prices like comprehensive or collision. So even though you would think it’s possible to get free car insurance, that’s just not realistic. But all discounts will definitely reduce the amount you pay for coverage.

A list of car insurance companies and some of the discounts include:

  • GEICO may have discounts that include membership and employees, daytime running lights, good student, defensive driver, and driver training.
  • USAA discounts include new vehicle, loyalty savings, defensive driver, family discount, driver training, and annual mileage.
  • Progressive has discounts for homeowner, online quote discount, multi-policy, continuous coverage, multi-vehicle, and online signing.
  • American Family has savings for defensive driver, bundled insurance, multi-vehicle, accident-free, good driver, and mySafetyValet.
  • Esurance may offer discounts for DriveSense, safety device, anti-theft, claim free, online shopper, and Switch & Save.
  • Farmers Insurance policyholders can earn discounts including mature driver, homeowner, switch companies, good student, business and professional, and electronic funds transfer.
  • State Farm may include discounts for Steer Clear safe driver discount, driver’s education, defensive driving training, student away at school, multiple policy, and Drive Safe & Save.

When comparing rates, check with all the companies to give you their best rates. Discounts might not be available to policyholders in your area. If you would like to see a list of insurers who offer car insurance discounts, enter your zip code here.

Tailor your car insurance coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

For example, these questions may help you determine if you would benefit from an agent’s advice.

  • Am I covered if my car is in a flood?
  • Is my teenager covered with friends in the car?
  • Am I covered if I hit my neighbor’s mailbox?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my camper covered by my car insurance policy?
  • What is the minimum liability in my state?
  • Is my state a no-fault state?
  • Should I waive the damage coverage when renting a car?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, fill out your zip code.

Car insurance 101

Learning about specific coverages of your policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Collision coverage protection

Collision coverage covers damage to your Escape from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as sustaining damage from a pot hole, rolling your car, driving through your garage door and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Medical costs insurance

Medical payments and Personal Injury Protection insurance pay for bills such as pain medications, X-ray expenses, prosthetic devices, hospital visits and EMT expenses. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

This coverage gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these limits are similar to your liability insurance amounts.

Liability coverages

Liability insurance protects you from injuries or damage you cause to other’s property or people in an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability insurance covers things like emergency aid, court costs and structural damage. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like rock chips in glass, a broken windshield and hail damage. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Never pay more for less

As you prepare to switch companies, do not skimp on critical coverages to save a buck or two. There have been many cases where consumers will sacrifice liability limits or collision coverage and found out when filing a claim they didn’t purchase enough coverage. The aim is to buy a smart amount of coverage for the lowest cost but still have enough coverage for asset protection.

Consumers switch companies for a number of reasons such as denial of a claim, policy cancellation, not issuing a premium refund or high rates after DUI convictions. It doesn’t matter why you want to switch finding a new insurance company can be less work than you think.

We covered some good ideas how to reduce 2021 Ford Escape insurance rates online. The most important thing to understand is the more price quotes you have, the better your comparison will be. Drivers may discover the best rates are with some of the smallest insurance companies.

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