Buying cheap coverage for a Ford Escape in California is pretty straightforward, but it hinges on a pretty complex algorithm that uses a lot of factors such as whether you are married or single, the size of your vehicle, and any prior driving offenses you have. Drivers in California pay on average $999 per year to insure their Escape, but that amount is an estimate based on a 30-year-old married male driver with full physical damage coverage and $500 deductibles.
If we were betting, you aren’t exactly 30 years old or even a male, you might be single instead of married, or maybe you just want liability only. Even a minor change in policy rating criteria or coverages may result in a big change in the price of a policy.
Everone’s needs are different, and this illustrates why the way we recommend to find affordable rates for your Ford is to do a thorough rate comparison.
The specific model of Escape tends to have a direct impact on the yearly cost, so the price you pay to insure a Escape XLS 2WD trim level will be $118 less than the price to insure the more well-appointed Escape Limited 4WD model, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Escape XLS 2WD||$242||$382||$376||$22||$112||$1,134||$95|
|Escape XLS 4WD||$242||$382||$376||$22||$112||$1,134||$95|
|Escape XLT 2WD||$242||$382||$376||$22||$112||$1,134||$95|
|Escape Limited 2WD||$278||$382||$376||$22||$112||$1,170||$98|
|Escape XLT 4WD||$278||$382||$376||$22||$112||$1,170||$98|
|Escape Limited 4WD||$278||$464||$376||$22||$112||$1,252||$104|
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Estimates do not factor in specific location which can revise price quotes substantially.
California car insurance company ratings
Ending up with a high-quality car insurance company can be difficult considering how many companies sell coverage in California. The ranking information shown below can help you decide which companies you want to consider buying from. The rankings below only include companies with a national presence, so companies that have a smaller presence will not be included in this list.
Top 10 Large Auto Insurance Providers in Irvine Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Large Auto Insurance Providers in Irvine Ranked by Value
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
Full coverage rates compared to liability-only
Reducing the cost of car insurance is the goal of most vehicle owners, and one great way to buy cheap insurance for a Ford Escape is to not insure for full coverage. The illustration below shows the difference between insurance premiums with and without physical damage coverage. The premium estimates are based on no tickets, no at-fault accidents, $100 deductibles, drivers are not married, and no other discounts are factored in.
If we average the cost for all age groups, full coverage on your policy costs an extra $2,525 per year more than just buying liability insurance. That touches on the question if you should buy full coverage. There is no definitive guideline that works best for making the decision to drop comprehensive and collision coverage on your policy, but there is a general school of thought. If the yearly cost for physical damage coverage is more than around 10% of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.
For example, let’s pretend your vehicle’s settlement value is $11,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $10,000 after paying your deductible. If it’s costing in excess of $1,000 annually for your policy with full coverage, then you might want to consider buying only liability coverage.
How to get discounts on Irvine auto insurance rates
Auto insurance companies that offer cheap quotes for a Ford Escape may also provide special discounts that can lower rates by as much as 30% if you meet eligibility requirements. Popular car insurance companies and the discounts they provide are shown below.
- GEICO may include discounts for anti-lock brakes, multi-vehicle, multi-policy, five-year accident-free, good student, and defensive driver.
- USAA has discounts for family discount, safe driver, military installation, driver training, new vehicle, good student, and multi-vehicle.
- Progressive discounts include continuous coverage, homeowner, online signing, good student, and multi-vehicle.
- American Family may have discounts that include mySafetyValet, air bags, Steer into Savings, defensive driver, TimeAway discount, and multi-vehicle.
- Esurance has savings for DriveSense, Switch & Save, online shopper, paid-in-full, and anti-theft.
- Farmers Insurance policyholders can earn discounts including early shopping, youthful driver, distant student, bundle discounts, and homeowner.
- State Farm offers premium reductions for multiple policy, good driver, student away at school, safe vehicle, Steer Clear safe driver discount, passive restraint, and driver’s education.
The illustration below illustrates the comparison of insurance premiums with and without discounts. The premiums are based on a male driver, no claims, a clean driving record, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with vehicle safety, passive restraint, multiple vehicle, multiple policy, claim-free, and homeowner discounts applied. When these discounts are applied, the average amount saved each year on car insurance for a Ford Escape is 28% or $707.
The importance of shopping around for Escape insurance
Irvine car insurance rates are based on many factors which can significantly increase or decrease the price of coverage. Simply getting older, buying a home instead of renting, or getting a speeding ticket may cause policy rate changes that can cause some rates to be more affordable than before.
Not only may your risk profile change, but companies file new California car insurance rates multiple times each year to reflect underwriting profits or losses. Heavier than normal losses can result in additional premium costs, while lower claim expenses may produce cheaper Escape insurance rates.
For example, the chart below shows the cheapest car insurance in Irvine, CA for a 35-year-old male driver with no accidents or violations, and a good credit rating. When comparing rates based on his current risk profile, USAA quotes the lowest car insurance rates in Irvine at $1,154 per year. This is $497 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also make the list of the most affordable Irvine, CA auto insurance companies.
The chart below compares rates after we give the driver from above a claim, a little lower credit rating, and an imperfect driving record. Since each auto insurer has their own formula for setting prices, comparing prices may now present a completely different list of affordable companies as shown below.
Grange now has the lowest car insurance rate in Irvine, CA with Progressive, Allstate, GEICO, and Mercury also being competitive. This demonstrates why California drivers need to compare as many rates as possible when trying to find affordable car insurance rates for a Ford Escape. Auto insurance prices are influenced by many risk factors and can increase or decrease at any time, so the cheapest company when you last compared rates may now be an over-priced policy.
How to find cheaper car insurance for a Ford Escape
It’s not impossible to find cheaper rates, and here are many money-saving ideas that can help California drivers buy low-cost auto insurance.
- Pay lower rates with good credit
- Do not get tickets or violations
- Frequent claims will increase rates
- Lower rates by purchasing a safer vehicle
- Maintain a safe distance and avoid accidents
- Shop around once a year for cheaper rates
That last piece of advice is remarkably necessary, as was noted in the prior article. Insurance rates in Irvine change frequently, so don’t be tentative to switch carriers if a better deal can be had.
Staying with the same company for years is fine, but it isn’t a good idea if that dedication is costing money that could be going to better use. Take a few minutes and compare rates to find cheaper insurance for a Ford Escape.
If you wish to have a little guidance when comparing insurance rates for an Escape, the agents below can most likely help you decide which policy is best. To locate an Irvine auto insurance agent close to where you live, click the button following the list or click here to compare prices now.
Steven Wang – State Farm Insurance Agent
15333 Culver Dr #130 – Irvine, CA 92604 – (949) 552-3600
Tustin Insurance Agency
17621 Irvine Blvd #112 – Tustin, CA 92780 – (714) 838-1704
Wozencraft Insurance Agency
17321 Irvine Blvd #201 – Tustin, CA 92780 – (714) 263-2626
Isu Insurance Services Irvine
18022 Cowan Ste 225 – Irvine, CA 92614 – (949) 419-2100
Morning Star Agency Insurance Services Incorporated
1340 Reynolds Ave #103 – Irvine, CA 92614 – (949) 833-2030