Cheap Insurance Quotes for a Ford Escape in Maine
Enter your Maine zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 11, 2019
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Our editors keep telling us that when writing about auto insurance, the words cheap or affordable should never appear anywhere in the article as a descriptor for car insurance rates. Regardless, cheap auto insurance for a Ford Escape may be a thing of the past. But fear not, because we are going to show you some ways you can still get auto insurance that is more budget-friendly.
Your chances of buying cheaper coverage for a Ford Escape in Maine depends upon a lot of factors such as whether or not you are married, if you currently have coverage, and driving violations and tickets. Drivers pay around $440 a year to buy Ford Escape insurance, but that cost is an estimation that rates a 40-year-old married male with full coverage including both comprehensive and collision and $500 physical damage deductibles.
It’s more than likely you are not 40 and possibly not even male, possibly single instead of married, or maybe you rent instead of own your home. What seems to be a minor change in rating factors or requested coverage amount can make a big difference in how much coverage for a Ford Escape costs.
Every policy is rated specifically for the driver, so the most reliable method for finding the cheapest insurance price for your Ford is to regularly compare rates at renewal. Quotes only take a couple of minutes and you will receive prices from some of the best companies that sell coverage in Maine.
The trim level of your Escape can impact the cost of coverage, so the cost to insure a Escape XLS 2WD will be $48 cheaper than the price to insure the high end Escape Limited 4WD trim level, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Escape XLS 2WD||$102||$162||$178||$10||$54||$506||$42|
|Escape XLS 4WD||$102||$162||$178||$10||$54||$506||$42|
|Escape XLT 2WD||$102||$162||$178||$10||$54||$506||$42|
|Escape Limited 2WD||$116||$162||$178||$10||$54||$520||$43|
|Escape XLT 4WD||$116||$162||$178||$10||$54||$520||$43|
|Escape Limited 4WD||$116||$196||$178||$10||$54||$554||$46|
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Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Maine minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Price information does not factor in zip code location which can change prices greatly.
Finding out which companies offer the lowest-priced car insurance rates for a Ford Escape involves a little more effort in order to find the lowest price quote. Every insurance provider used slightly different criteria to determine rates, so let’s examine the car insurance companies with the overall cheapest rates in Maine.
It’s important to know that Maine car insurance rates are impacted by many factors which can substantially change the price of your policy. Improving your credit rating, buying higher coverage limits, or getting a driving violation can trigger rate changes that may make certain companies more affordable than before.
|Rank||Company||Cost Per Year|
|Compare Rates Now Go|
Travelers has some of the lowest car insurance rates in Maine at around $606 annually. USAA, Patriot, Countryway Insurance, and Vermont Mutual are also some of the more affordable Maine auto insurance companies.
As the rates illustrate above, if you buy coverage from Countryway Insurance and switched to USAA, you may realize a yearly price reduction of roughly $65. Customers with Vermont Mutual may save as much as $73 a year, and The Hartford customers might see rate reductions of $94 a year.
To see if you’re overpaying, click here to begin a quote or quote rates from the companies below.
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It’s important to note that these policy rates are averages across all types of insureds and vehicles and do not take into consideration a specific rate factor for a Ford Escape. So the car insurance company that fits your situation best may not even be in the above list. That emphasizes why you need to quote rates from as many companies as possible using your own specific driver information and vehicle.
How to get discounts on Maine auto insurance
Insurers that sell cheap insurance for a Ford Escape in Maine may also offer policy discounts that could potentially reduce rates by 35% or more if you are eligible. Larger car insurance companies and some of the premium reductions they offer are shown below.
|Daytime running lights||No||Yes||Yes||No|
|Defensive driver training||Yes||Yes||Yes||Yes|
|Paid in full||Yes||Yes||No||Yes|
|Student at college||Yes||No||Yes||Yes|
|Seat belt usage||No||Yes||No||No|
|Get quote online||No||No||No||Yes|
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The chart below shows the difference between insurance costs with and without discounts applied to the premium. The prices are based on a female driver, a clean driving record, no at-fault accidents, Maine state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with anti-theft, marriage, vehicle safety, multiple vehicle, homeowner, and passive restraint discounts applied. When discounts are factored in, the average amount saved on car insurance for a Ford Escape is % or $.
Impact of speeding/accidents on Maine car insurance rates
One of the best ways to receive cheap insurance for a Ford Escape in Maine is to drive cautiously and avoid at-fault accidents and violations. The diagram below demonstrates how speeding tickets and at-fault accidents can raise auto insurance rates for different categories of driver ages. The rates are based on a single male driver, full coverage, $500 deductibles, and no discounts are applied.
The data charted above shows the average cost of auto insurance per year with no accidents and a clean driving record is $1,063. Factor in two speeding tickets and the average cost jumps to $1,403, an increase of $340 each year. Then add in one accident along with the two speeding tickets and the annual cost of car insurance for a Ford Escape increases to an average of $1,745. That’s an increase of $682, or $57 per month, just for not keeping your driving record clean!
Is the best company Geico, Progressive, State Farm, or Allstate?
If you want the best insurance for an Escape in Maine, the most popular companies are Geico, Progressive, State Farm, and Allstate. The data below compares some of the different options that are available for policyholders.
|Customers who recommend||87%||88%||88%||86%|
|New car replacement insurance||No||No||No||Yes|
|Rating based on usage||No||Yes||Yes||Yes|
|Uber and Lyft insurance||Yes||Yes||Yes||Yes|
|Emergency roadside assistance||Yes||Yes||Yes||Yes|
|Mechanical breakdown insurance||Yes||Yes||No||No|
|Insurance Agents||Online or through a Geico agent||Buy online or from an independent agent||Can only buy from State Farm agents||Allstate exclusive agents|
|Number of agents||150+||30,000+||18,000+||11,000+|
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How to find economical insurance for a Ford Escape
Below you’ll find many penny-pinching suggestions that can help Maine drivers quote cheap coverage.
- Older vehicles may not need full coverage
- Save money by obeying traffic laws and keeping a clean driving record
- Do not file small claims
- Avoid accidents
- The safer your car, the less it costs to insure
- Save money by bundling your home and auto policies
- Keep rates low by shopping around frequently
The last suggestion is particularly vital, as was affirmed in this write-up. Coverage rates can change considerably based on profitability, so don’t be tentative to switch to a new company if a cheaper rate is available. Loyalty to a specific company is fine, but we do not recommend it if that faithfulness ends up costing you several hundred dollars every year. If you have a few minutes, compare rates to find cheaper car insurance for a Ford Escape.
Best cheap Ford Escape insurance quotes
Drivers have a lot of ways to find cheaper car insurance in Maine, but the most frequently used ways are through a captive (or exclusive) agent like Liberty Mutual or Allstate, an independent or non-exclusive agent, or direct online or over the phone from a company like Geico or Progressive. Each way has the same basic steps, but it’s important to understand the differences in how they work.
Independent insurance agents have contracts with many companies and can get rate quotes from each one. These types of agents are not locked into one company and can compare multiple rates, which may provide you with the best shot at cutting your rates. If premiums increase, the agent simply finds a different carrier which is easy for the insured.
Exclusive agents are usually just provide rates from one insurance company, two of the more popular are a State Farm or Liberty Mutual agent. Exclusive agents are unable to provide a range of price quotes, so it’s a good idea to get additional price quotes.
The last way is buying direct, which means you skip local insurance agents and instead buy from a direct company like Geico or Esurance. Buying direct may be the best choice people who have little risk and understand how their policy works.
What is the best method to buy cheap insurance for a Ford Escape in Maine? One answer would be shopping direct saves money since there isn’t an agent involved, but in reality, that is not the case. And we’d like to say going through an independent agent is the best way due to increased selection, but again, it’s not a sure thing. For the right applicant, exclusive agents have extremely competitive rates that are the lowest in Maine.
Since car insurance prices are based on many different factors, the only real way to find out which one is cheapest is to get rate quotes and compare. It takes a little work, but we recommend you get price quotes from all three to have the best selection of rates to choose from. To see some of the cheapest online companies available, click here to view.
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