Buying cheap insurance for a Ford Escape in Colorado depends on a lot of different factors such as whether you are single or married, whether or not you garage your vehicle, and any past driving violations you may have had. Drivers in Colorado pay on average $924 each year for Escape insurance, but that amount is a projection based on a 40-year-old single female driver with full physical damage coverage and $500 deductibles.
It’s more than likely you are not 40 years old and maybe not even female, possibly married instead of single, or maybe you need higher liability limits than the state minimum. Different coverage needs are the reason why the only real way to find affordable rates for your Ford is to compare rates from as many companies as possible. Quotes are always free and you can get rates from the cheapest companies around.
Vehicle trim level tends to impact the coverage cost, so the price you will be charged to insure a Escape XLS 2WD model will be $102 cheaper than the insurance cost for the more well-appointed Escape Limited 4WD trim level, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Escape XLS 2WD||$184||$342||$388||$22||$116||$1,052||$88|
|Escape XLS 4WD||$184||$342||$388||$22||$116||$1,052||$88|
|Escape XLT 2WD||$184||$342||$388||$22||$116||$1,052||$88|
|Escape Limited 2WD||$212||$342||$388||$22||$116||$1,080||$90|
|Escape XLT 4WD||$212||$342||$388||$22||$116||$1,080||$90|
|Escape Limited 4WD||$212||$416||$388||$22||$116||$1,154||$96|
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Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Price estimates do not factor in your specific Aurora location which can affect coverage rates greatly.
Ratings for Colorado auto insurance companies
Finding a high-quality insurer is hard considering how many different companies sell coverage in Aurora. The rank data shown below can help you decide which insurers to look at when shopping around. These ratings include large nationwide companies, so smaller companies that only insure vehicles in Colorado are not taken into consideration for this list.
|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
The example below illustrates how your deductible choice can raise or lower premium costs when getting quotes for cheap insurance for a Ford Escape. The premium estimates are based on a married male driver, full coverage, and no discounts are applied to the premium.
In the chart above, a 50-year-old driver could cut expenses by $254 a year by increasing from a $100 deductible to a $500 deductible, or save $388 by changing to a $1,000 deductible. Younger drivers, like the Age 20 category, could reduce their rates up to $844 or even more just by choosing higher deductibles. When using a larger deductible, it will be necessary to have enough savings set aside to allow you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Insurance rate increases from tickets or accidents
The easiest way to obtain the cheapest auto insurance prices for an Escape is to be a cautious driver and avoid tickets and accidents. The example below illustrates how violations and accident claims can increase insurance costs for different age groups. The premiums are based on a married male driver, full coverage, $500 deductibles, and no discounts are taken into consideration.
In the previous example, the average cost of a car insurance policy per year with no violations or accidents is $1,444. Get written up for two speeding tickets and the average cost hikes up to $1,987, an increase of $543 each year. Now include two accidents along with the two speeding tickets and the annual cost of auto insurance for a Ford Escape goes up to an average of $4,066. That’s an increase of $2,622, or $219 per month, just for not being attentive to the road!
Get discounts on Aurora car insurance
Auto insurance companies that offer coverage for a Ford Escape may also give you policy discounts that can reduce rates by 25% or more if you are eligible for them. Popular auto insurance companies and their possible discounts are included below.
- State Farm includes discounts for good driver, good student, driver’s education, Drive Safe & Save, multiple policy, defensive driving training, and anti-theft.
- GEICO has discounts for membership and employees, multi-policy, multi-vehicle, defensive driver, and anti-lock brakes.
- Progressive policyholders can earn discounts including continuous coverage, multi-vehicle, multi-policy, homeowner, and online quote discount.
- 21st Century offers discounts for driver training, homeowners, good student, defensive driver, early bird, air bags, and theft prevention.
- American Family may have discounts that include defensive driver, TimeAway discount, Steer into Savings, accident-free, and multi-vehicle.
- The Hartford offers discounts including driver training, good student, defensive driver, air bag, and vehicle fuel type.
- AAA offers premium reductions for multi-policy, AAA membership discount, good driver, pay-in-full, anti-theft, and good student.
The diagram below shows the difference between car insurance costs with and without some available policy discounts. Data assumes a male driver, no claims or driving citations, Colorado state minimum liability limits, comp and collision included, and $250 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with claim-free, defensive driving course, marriage, anti-theft, vehicle safety, and safe-driver discounts applied. When these discounts are applied, theaverage yearly reduction on auto insurance for a Ford Escape is 28% or $562.
If you like to have professional advice when comparing insurance rates for an Escape, the agents shown below are a good start to help you determine which insurance coverage you need.
To find an auto insurance agency closest to you, click the button following the list or click here to compare price quotes now.
American Family Insurance – Steve Sellers Agency Inc.
15200 E Girard Ave Ste 4025 – Aurora, CO 80014 – (303) 696-2698
Jody Roberts – State Farm Insurance Agent
15260 E Hampden Ave – Aurora, CO 80014 – (303) 693-1650
Stacy Nimmo – State Farm Insurance Agent
1399 S Havana St #201-G – Aurora, CO 80012 – (303) 364-6900
Allstate Insurance: Mario J Morales
14241 E 4th Ave #305 – Aurora, CO 80011 – (303) 366-6800