Finding affordable insurance for a Ford Escape in Washington is pretty easy for most people to do, but it depends on a lot of rating factors such as how old the vehicle is, your claims history, and driving violations and tickets. Washington drivers pay around $726 each year for Escape insurance, but that cost is an estimate calculated using a 40-year-old married male driver with full coverage and $250 deductibles.
But there is a good chance that you are not 40 years old and maybe not even male, maybe you are single instead of married, or maybe you prefer to not insure for full coverage. Having the smallest difference in rating criteria or coverage limits can make a big difference in the policy rate.
This demonstrates why the way we recommend to find cheap insurance prices for your Ford is to just take the time to compare rates yourself.
The specific model of Escape tends to impact the coverage cost, so the price you pay to insure a Escape XLS 2WD model will be $92 less than the insurance cost for the more costly Escape Limited 4WD version, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Escape XLS 2WD||$180||$290||$258||$16||$78||$822||$69|
|Escape XLS 4WD||$180||$290||$258||$16||$78||$822||$69|
|Escape XLT 2WD||$180||$290||$258||$16||$78||$822||$69|
|Escape Limited 2WD||$208||$290||$258||$16||$78||$850||$71|
|Escape XLT 4WD||$208||$290||$258||$16||$78||$850||$71|
|Escape Limited 4WD||$208||$354||$258||$16||$78||$914||$76|
|Get Your Own Custom Quote Go|
Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Table data does not factor in specific Seattle garaging location which can lower or raise auto insurance rates substantially.
Trying to find reasonably-priced auto insurance is confusing at best, and determining which company has the most affordable insurance rates for a Ford Escape requires additional perseverance. Every insurance provider has a proprietary formula to set their prices, so let’s take a look at the insurance companies with the overall best prices in Washington.
It’s important that you understand Seattle, WA insurance rates are determined by lots of factors that may substantially change the price of your policy. Improving your credit score, buying a different home, or getting a DUI may cause policy rate changes resulting in some companies being more affordable than others.
Cheapest Insurance Rates for Your Escape
Capital may have some of the lowest car insurance rates in Seattle at around $761 each year. Grange, Nationwide, PEMCO, and Travelers would also make the list of some of the cheaper Seattle, WA car insurance companies.
As shown in the rates above, if you currently buy coverage from PEMCO and switched to Capital, you might see yearly savings of approximately $243. Washington drivers with Travelers could save as much as $247 a year, and Mutual Enumclaw policyholders might lower prices by up to $273 a year.
To find the cheapest rates for your vehicle, click here to start your custom quote or quote rates from the companies below.
It’s important to note that these premiums are averages across all ages of drivers and types of vehicles and do not take into consideration an exact vehicle garaging location for a Ford Escape. So the auto insurance company that fits your needs best may not even be in the top 25 companies shown above. That point stresses why you need to get rate quotes from many companies using your own driver data and vehicle information.
The example below demonstrates how deductible levels can affect insurance costs when getting quotes for cheap insurance for a Ford Escape. The prices are based on a single male driver, full coverage, and no other discounts are factored in.
A 40-year-old driver could cut expenses by $252 a year by switching from a $100 deductible up to a $500 deductible, or save $382 by using a $1,000 deductible. Youthful drivers, like the age 20 example, could lower their rates $818 each year by using higher deductibles when buying full coverage.
If you do make the decision to raise your deductibles, it will be required to have enough savings to be able to cover the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
Full coverage rates compared to liability-only
Reducing the cost of insurance is important to the majority of drivers, and a great way to lower the cost of insurance for a Ford Escape is to not buy full coverage. The chart below illustrates the difference between car insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Washington. Data assumes no violations or accidents, $250 deductibles, drivers are not married, and no discounts are applied to the premium.
If we average the cost for ages 20 through 70, comp and collision coverage costs an extra $1,553 per year more than buying just liability insurance. That may make you wonder if paying for full coverage is a waste of money. There isn’t a written rule to delete physical damage coverage, but there is a general convention. If the yearly cost of full coverage is about 10% or more of replacement cost minus your deductible, then you might want to think about dropping full coverage.
The agents below are willing to help you determine which policy is best, as many consumers aren’t sure which coverage to buy and prefer to have a consultation when shopping around for cheaper insurance for an Escape. It can be difficult to find the cheapest rates, so getting advice from a licensed agent can provide you comfort knowing you have adequate protection in the event of a claim.
To locate a Seattle auto insurance agent closest to you, click the link after the list or click here to get price quotes now.
State Farm – Catherine Budbill
929 N 130th St #5 – Seattle, WA 98133 – (206) 361-3770
Gurry and Rogers Insurance Inc
1200 5th Ave #1825 – Seattle, WA 98101 – (206) 621-6444
Christopher Togawa Insurance Agency
222 Etruria St # 110 – Seattle, WA 98109 – (206) 838-9450
How to find low-cost insurance for a Ford Escape
The list below shows many thrifty ideas that can help you find more affordable car insurance.
- You will pay more if you get tickets or have at-fault accidents
- Remain accident-free and save
- Increase deductibles to save money
- Vehicles with good safety ratings have lower liability rates
- Good credit scores may make rates cheaper
- Older vehicles may not need full coverage
- Compare quotes from other companies often
The last item on the list is certainly important, as we discussed in this article. Prices charged by auto insurers in Seattle can change significantly in a year, so drivers shouldn’t hesitate to buy a policy from a new company if a cheaper price is available. Staying with the same company for years is fine, but it isn’t a good idea if your bullheadedness ends up costing you thousands of dollars over several years. If you have a few minutes, now is a great time to compare rates and find cheaper car insurance for a Ford Escape.