Buying the best cheap coverage for a Ford Escape doesn’t take a ton of time, but it hinges on many factors such as how many miles you drive each year, the condition of your credit, and the deductible amount you use. Indiana drivers pay around $724 each year for Escape insurance, but that amount is an estimation based on a 50-year-old single female driver with full coverage and $250 deductibles.
There’s a good chance you may not be 50 years old (or even female), married instead of single, or maybe you prefer to not insure for full coverage. Even a minor difference in rating criteria or coverage limits could end up with a large change in the policy cost.
Every driver’s needs are different, and that is why the way we recommend to find cheap insurance prices for your Ford is to do a thorough rate comparison. Do a quick rate comparison now and you will be able to compare rates from some of the best insurers in Indiana.
The specific model of Escape tends to have a direct effect on price, so the rate you pay to insure a Escape XLS 2WD will be $88 less expensive the cost to insure the more well-appointed Escape Limited 4WD version, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Escape XLS 2WD||$162||$294||$270||$16||$80||$822||$69|
|Escape XLS 4WD||$162||$294||$270||$16||$80||$822||$69|
|Escape XLT 2WD||$162||$294||$270||$16||$80||$822||$69|
|Escape Limited 2WD||$186||$294||$270||$16||$80||$846||$71|
|Escape XLT 4WD||$186||$294||$270||$16||$80||$846||$71|
|Escape Limited 4WD||$186||$358||$270||$16||$80||$910||$76|
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Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Estimates do not factor in specific location information which can alter premiums significantly.
Locating cheap insurance is not most people’s favorite thing to do, and finding out which company quotes the best insurance rates for a Ford Escape will involve a little more work. Each auto insurance company has their own unique process for establishing rates, so we’ll take a look at the most competitive insurance companies in Indianapolis.
It’s important to know that Indianapolis insurance rates are impacted by many things which can substantially change the price you have to pay. That is why drivers need to compare as many rates as possible to find cheap auto insurance quotes for a Ford Escape. Insurance rates are determined by many different factors and can change without notice, so the cheapest rate the last time you shopped your coverage around may now be an over-priced policy.
Find the Cheapest Car Insurance for Your Escape
|Rank||Company||Cost Per Year|
|7||Indiana Farmers Mutual||$875|
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Travelers may offer some of the best car insurance rates in Indianapolis at around $602 per year. USAA, Cincinnati Insurance, Erie, and The Hartford also are some of the cheaper Indianapolis, IN insurance companies.
In the rate table above, if you currently buy coverage from USAA and switched to Travelers, you might achieve a yearly savings of in the vicinity of $59. Drivers with Cincinnati Insurance may save as much as $76 a year, and Erie policyholders might lower prices by up to $124 a year.
Be aware that those policy rates are averaged for all drivers and vehicles and do not take into consideration a specific vehicle garaging location for a Ford Escape. So the car insurance company that is most affordable for your situation may not even be in the top 36 companies in the list above. That point stresses why you need to get rate quotes using your own personalized driver profile and vehicle information.
Discount Indianapolis insurance rates
Auto insurance companies that offer cheap quotes for a Ford Escape may additionally offer special discounts that can reduce rates by as much as 40% or more if you qualify for them. Popular insurance companies and some of the premium reductions they offer can be found below.
- GEICO may have discounts that include defensive driver, anti-theft, good student, membership and employees, seat belt use, and emergency military deployment.
- Travelers includes discounts for payment discounts, multi-policy, home ownership, hybrid/electric vehicle, good student, and student away at school.
- Nationwide may offer discounts for easy pay, accident-free, multi-policy, anti-theft, business or organization, family plan, and Farm Bureau membership.
- Farmers Insurance has savings for pay in full, bundle discounts, business and professional, multi-car, early shopping, and alternative fuel.
- Esurance policyholders can earn discounts including Pac-12 alumni, defensive driver, good student, claim free, multi-policy, and anti-lock brakes.
- State Farm may include discounts for good driver, safe vehicle, defensive driving training, accident-free, good student, and passive restraint.
- Progressive offers discounts including homeowner, multi-vehicle, good student, continuous coverage, online quote discount, multi-policy, and online signing.
- Mercury Insurance offers discounts for multi-policy, good driver, anti-theft, type of vehicle, ease of repair, and annual mileage.
The information below visualizes the comparison of auto insurance costs with and without some available policy discounts. The information is based on a female driver, a clean driving record, no claims, Indiana state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with safe-driver, vehicle safety, accident-free, multiple policy, homeowner, and defensive driving course discounts applied. When these discounts are applied to the policy premium, theaverage yearly reduction on insurance for a Ford Escape is 27% or $427.
Chances are good that you’re overpaying for Escape insurance
Indianapolis, IN insurance rates are influenced by many factors that will increase or decrease the price of coverage. Improving your credit rating, filing a claim, or getting a ticket for careless driving can trigger rate changes that can now make some companies cheaper than competitors. Not only may things change on your end, but companies change the rates they charge in Indiana as needed as an adjustment for underwriting gains or losses. Heavy losses may cause higher prices, while long-term profits may result in more affordable Escape insurance rates.
The data below shows a variety of companies that have the cheapest car insurance in Indianapolis, IN for a 40-year-old female driver with no prior accidents, a clean driving record, and a decent credit rating. Based on her current rating profile, Travelers may offer the most affordable car insurance rates in Indianapolis at $715 per year. This is $525 less than the average price paid by Indiana drivers of $1,240. Cincinnati Insurance, USAA, Erie, and Western Reserve also make the list of the most affordable Indianapolis, IN auto insurance companies.
Now we will pretend the driver from the above example some claims, a lower credit rating, and a stop sign violation. Since every car insurance company has a proprietary formula for setting rates, analyzing rates may now result in a substantially altered list of the cheapest companies as shown below.
The Hartford now has the best price in Indianapolis with Auto-Owners, Motorists Mutual, Nationwide, and Hastings Mutual also being competitive. This shows why it is important to compare as many rates as possible to get the lowest auto insurance rates for a Ford Escape. Prices are determined by many different factors and can change substantially, so the best price the last time you checked may now be quite expensive.
How to find budget-friendly auto insurance for a Ford Escape
The list below shows some penny-pinching ideas that can help drivers quote cheaper auto insurance.
- Safer vehicles generally have cheaper insurance rates
- Bundle home or renters insurance to earn a discount on car insurance
- Remain accident-free and save
- Maintaining good credit helps earn cheaper rates
- Assess whether full coverage is needed
- Compare prices as often as possible
The final tip is extraordinarily necessary, as was pointed out in this piece. Auto insurance rates can change considerably in a year, so you should be ready to buy a different policy if you find a better deal. Many drivers prefer to stick with one company, but it’s not a great idea if that faithfulness ends up costing you hundreds every year. It only takes a couple minutes to compare rates and find cheaper insurance for a Ford Escape in Indianapolis.
The agents listed below can probably help you decide which coverages and limits you need, as lots of drivers aren’t clear which coverage they need and would like to get some help when shopping for cheaper insurance for a Ford Escape. It’s not always easy to find the cheapest car insurance policy, and getting advice from a licensed agent can provide you comfort knowing you have adequate protection.
To find an agent nearest to you, click the button link following the list or click here to compare price quotes now.
- Jim Crinklaw – State Farm Insurance Agent
9423 Pendleton Pike – Indianapolis, IN 46236 – (317) 897-6129
- Walker and Associates Insurance
360 Gradle Dr – Carmel, IN 46032 – (317) 848-4400
- Sarah Holtrup – State Farm Insurance Agent
1480 W Southport Rd c – Indianapolis, IN 46217 – (317) 888-5200
- Shepherd Insurance and Financial Services
111 Congressional Blvd Suite 100 – Carmel, IN 46032 – (317) 846-5554
- Access Auto Insurance
2107 W Washington St – Indianapolis, IN 46222 – (317) 687-8807