Buying economical coverage for a Ford Escape in Ohio hinges on a lot of different factors such as your financial responsibility, your credit rating, and your policy deductibles. Drivers pay approximately $633 per year to insure their Escape, but that price is an estimate using a 30-year-old married female driver with both comprehensive and collision coverage and $100 deductibles.
There’s a high likelihood you may not be 30 years old (or even female), possibly single instead of married, or you just want cheap liability insurance instead of full coverage. Everone’s needs are different, and this illustrates why the way we recommend to find the cheapest coverage for your Ford is to just take the time to compare rates yourself.
Your vehicle’s trim level will likely have an effect on the annual cost of coverage, so the price to insure a Escape XLS 2WD will be $86 less than the insurance cost for the more well-appointed Escape Limited 4WD version, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Escape XLS 2WD||$166||$284||$196||$12||$58||$716||$60|
|Escape XLS 4WD||$166||$284||$196||$12||$58||$716||$60|
|Escape XLT 2WD||$166||$284||$196||$12||$58||$716||$60|
|Escape Limited 2WD||$190||$284||$196||$12||$58||$740||$62|
|Escape XLT 4WD||$190||$284||$196||$12||$58||$740||$62|
|Escape Limited 4WD||$190||$346||$196||$12||$58||$802||$67|
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Price estimates do not factor in the specific area where the vehicle is garaged which can impact insurance rates greatly.
Car insurance company ratings
Selecting a highly-rated insurer can be rather challenging considering how many companies provide coverage in Cleveland. The ranking information listed below can help you decide which providers to look at purchasing a policy from. These ratings are only made up of insurance companies that insure vehicles in the majority of U.S. states, so companies without a large exposure are not factored into these rankings.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Violations and accidents raise rates
The obvious way to snag good car insurance prices in Ohio for an Escape is to be a cautious driver and not receive tickets or have accidents. The example below illustrates how violations and fender-benders can impact annual premium costs for different insured age categories. The data assumes a married female driver, comp and collision included, $100 deductibles, and no policy discounts are applied.
The data above shows the average cost of auto insurance in Ohio per year with no violations or accidents is $1,013. Factor in one speeding ticket and the average cost rises to $1,175, an increase of $163 each year. Then add in two accidents along with the one speeding ticket and the yearly cost of car insurance for a Ford Escape jumps again to an average of $2,553. That’s an increase of $1,540, or $128 per month, just for not being more responsible behind the wheel!
Get discounts on Cleveland auto insurance rates
Insurers that offer coverage for a Ford Escape may also provide discounts that could lower prices by as much as 35% or more if you are eligible. Companies and a partial list of their discounts are:
- State Farm offers premium reductions for Drive Safe & Save, Steer Clear safe driver discount, good student, passive restraint, and multiple policy.
- GEICO discounts include air bags, five-year accident-free, anti-lock brakes, good student, anti-theft, daytime running lights, and multi-vehicle.
- SAFECO includes discounts for teen safety rewards, multi-car, drive less, bundle discounts, teen safe driver, and safe driver.
- Farmers Insurance may offer discounts for switch companies, distant student, bundle discounts, teen driver, mature driver, and homeowner.
- AAA offers discounts including good student, multi-car, good driver, AAA membership discount, anti-theft, and multi-policy.
- USAA offers discounts for multi-vehicle, multi-policy, new vehicle, vehicle storage, safe driver, annual mileage, and good student.
The illustration below illustrates the comparison of auto insurance costs with and without discounts being applied to the rates. The information is based on a female driver, no claims or driving violations, Ohio state minimum liability limits, full physical damage coverage, and $1,000 deductibles.
The first bar for each age group shows premium with no discounts. The second shows the rates with anti-theft, accident-free, claim-free, passive restraint, safe-driver, and multiple policy discounts applied. When these discounts are applied, the average amount saved each year on car insurance for a Ford Escape is 27% or $257.
The information below highlights how deductible choice can impact insurance costs when quoting cheap insurance for a Ford Escape. Data assumes a married female driver, comprehensive and collision coverage, and no discounts are applied.
The chart above illustrates that a 30-year-old driver could reduce rates by $178 a year by increasing from a $100 deductible to a $500 deductible, or save $272 by choosing a $1,000 deductible. Even younger drivers, such as the Age 20 example, could roll back prices as much as $384 every year by choosing a higher deductible.
If you do make the decision to raise your deductibles, it will now be necessary to have emergency funds available to be able to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.