How Much Does 2024 Ford Escape Insurance Cost?

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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 insurance rates? Consumers have many options when looking for affordable Ford Escape insurance. They can either spend hours struggling with agents to get rate comparisons or utilize the internet to get rate quotes.

There is a right way and a wrong way to buy insurance so you’re going to learn the best way to get price quotes for a Ford and obtain the lowest price.

If you are insured now or are shopping for new coverage, you can learn to find the best rates and still get good coverage. This information will familiarize you with the best way to quote coverages. Vehicle owners only need an understanding of the tricks to shop their coverage around online.

Ways to get insurance price quotes

All major insurance companies like Allstate, GEICO and Progressive make it easy to get pricing on the web. Comparing rates online is quite easy as you simply type in the amount of coverage you want into the form. After the form is submitted, the system gets reports for credit and driving violations and returns pricing information.

Online price estimates simplifies rate comparisons, but having to visit many different websites and enter the same data into a form gets old quite quickly. Unfortunately, it is important to do this if you want to get the best price possible.

A better way to lower your rates utilizes a single form that gets price quotes from multiple companies. It’s a real time-saver, eliminates form submissions, and makes comparison shopping much more efficient. As soon as the form is sent, it is quoted and you can select any of the resulting price quotes.

If the quotes result in lower rates, it’s easy to complete the application and purchase the new policy. It can be completed in a matter of minutes and you will know how your current rates stack up.

To quickly use this form to compare rates, simply enter your zip code here and begin entering your coverage information. If you have a policy now, it’s recommended you type in coverages and limits as shown on your current policy. This helps ensure you will receive a fair comparison based on identical coverages.

Car insurance policy discounts you can’t miss

Properly insuring your vehicles can get expensive, but you may be missing some discounts that can dramatically reduce your bill. Many discounts should be triggered when you quote, but some must be requested specifically prior to getting the savings.

  • Professional Organizations – Participating in a qualifying organization is a simple method to lower premiums on your next renewal.
  • Telematics Data Discounts – People who choose to allow data collection to monitor when and where they use their vehicle through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot may see discounts as long as they are good drivers.
  • Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase some life insurance in addition to your auto policy.
  • Smart Student Discounts – Maintaining excellent grades may save as much as 25% on a auto insurance quote. Many companies even apply the discount to college students until age 25.
  • More Vehicles More Savings – Insuring several vehicles on one policy can reduce the rates for all insured vehicles.
  • Defensive Driver Discounts – Successfully completing a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Paper-free Discount – Certain car insurance companies will give you a small discount for buying a policy and signing up on the web.
  • Lower Rates for Military – Being deployed in the military could trigger a small discount.
  • Bundled Policy Discount – When you combine your auto and homeowners insurance with the same company you could get a discount of over 10 percent off each policy depending on the company.
  • Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.

One thing to note about discounts is that some credits don’t apply to the entire policy premium. A few only apply to the cost of specific coverages such as comp or med pay. So even though it sounds like it’s possible to get free car insurance, nobody gets a free ride.

A list of companies and the discounts they provide are shown below.

  • State Farm offers premium reductions for Drive Safe & Save, student away at school, passive restraint, good student, good driver, driver’s education, and multiple autos.
  • GEICO discounts include daytime running lights, military active duty, multi-vehicle, five-year accident-free, driver training, federal employee, and membership and employees.
  • Allstate may include discounts for senior citizen, early signing, economy car, teenSMART discount, passive restraint, and eSmart discount.
  • SAFECO policyholders can earn discounts including anti-theft, bundle discounts, anti-lock brakes, accident prevention training, teen safe driver, and teen safety rewards.
  • Farm Bureau has discounts for renewal discount, youthful driver, good student, multi-policy, and driver training.
  • Progressive includes discounts for online signing, multi-vehicle, continuous coverage, good student, and homeowner.
  • AAA offers discounts including multi-car, AAA membership discount, pay-in-full, multi-policy, and education and occupation.

When getting free auto insurance quotes, it’s a good idea to each company which discounts you qualify for. Some discounts listed above might not be available to policyholders in your area. If you would like to choose from a list of insurance companies that offer many of these discounts, enter your zip code here.

Six factors that impact insurance rates

An important part of buying insurance is that you know the factors that are used to determine the rates you pay for auto insurance. If you know what positively or negatively impacts your premiums, this empowers consumers to make smart changes that will entitle you to lower premium levels. Many different elements are part of the calculation when quoting car insurance. Most are fairly basic like your driving record, although some other factors are not as apparent like where you live and annual miles driven.

The factors shown below are just a few of the factors used by your company to calculate your rates.

  • Liability preserves assets – A critical coverage on your policy, liability insurance kicks in when you are found to be at fault for personal injury or accident damage. It will provide for a legal defense up to the limits shown on your policy. Liability insurance is quite affordable compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.
  • Marriage brings a discount – Having a spouse may cut your premiums on your auto insurance policy. It is viewed as being more mature and it’s statistically proven that drivers who are married are more cautious.
  • Filing auto insurance claims can cost you more – If you file a lot of claims you shouldn’t be surprised to get higher premiums or even policy non-renewal. Companies generally give most affordable rates to insureds who do not rely on their insurance for small claims. Your car insurance is designed for the bigger claims that can’t be paid out-of-pocket.
  • Gender and insurance coverage – Over the last 30 years, statistics show that women are safer drivers than men. However, this does not mean women are better drivers. Women and men have auto accidents in similar percentages, but the males have accidents that have higher claims. In addition to higher claims, males also get more serious tickets like DUI and reckless driving. Male drivers age 16 to 19 have the highest risk to insure and therefore are the most expensive to insure.
  • Rates and vocation – Do you have a high-stress occupation? Jobs like military personnel, executives and miners tend to pay the highest average rates in part from intense work requirements and lots of time spent away from family. On the flip side, professions such as actors, students and the unemployed generally pay rates lower than average for Escape coverage.
  • Lower rates with a multi-policy discount – Lots of companies will give discounts to buyers that have more than one policy such as combining an auto and homeowners policy. Even if you already get this discount, drivers will still want to compare rates to verify if the discount is saving money.

Insurance agents can help

When it comes to choosing adequate coverage, there really is not a best way to insure your cars. Every situation is different.

Here are some questions about coverages that may help you determine if your situation would benefit from an agent’s advice.

  • Does my personal policy cover me when driving out-of-state?
  • Am I getting all the discounts available?
  • Is my dog or cat covered if injured in an accident?
  • What if I total my 2024 Ford Escape and owe more than it’s worth?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Does my policy cover my teen driver if they drive my company car?
  • Will filing a claim cost me more?
  • Can I still get insurance after a DUI?
  • Is my camper covered by my car insurance policy?
  • What are the best liability limits?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and enter your zip code. It’s fast, doesn’t cost anything and you can get the answers you need.

Specifics of your insurance policy

Having a good grasp of your policy aids in choosing which coverages you need and the correct deductibles and limits. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 2024 Ford Escape.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Normally these coverages do not exceed the liability coverage limits.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, damage from getting keyed, damage from flooding and rock chips in glass. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto liability

This coverage can cover injuries or damage you cause to other’s property or people. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like emergency aid, pain and suffering and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.

Collision coverage

This pays for damage to your Escape from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like damaging your car on a curb, hitting a mailbox and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP provide coverage for immediate expenses such as doctor visits, hospital visits, chiropractic care and funeral costs. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Don’t be a big spender

Cheap 2024 Ford Escape insurance is available from both online companies and with local insurance agents, and you should compare rates from both so you have a total pricing picture. Some companies do not offer internet price quotes and these regional insurance providers work with independent agencies.

As you shop your coverage around, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced liability coverage limits only to regret that it was a big mistake. Your goal should be to get the best coverage possible at a price you can afford, but do not sacrifice coverage to save money.

Insureds switch companies for a variety of reasons including an unsatisfactory settlement offer, policy non-renewal, questionable increases in premium or high rates after DUI convictions. It doesn’t matter what your reason, switching companies can be easy and end up saving you some money.

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