Cheap Insurance Quotes for a Ford Escape in Mississippi
Enter your Mississippi zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 17, 2019
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Because the topic is car insurance, the word affordable really shouldn’t be used anywhere in the article to describe car insurance rates. Be that as it may, cheap car insurance for a Ford Escape does not exist. But don’t let that discourage you, because we will teach you how you can still get insurance that you can afford.
Your chances of buying cheaper auto insurance for a Ford Escape in Mississippi depends upon a complicated rating formula that uses factors like annual vehicle mileage, whether or not you are currently insured, and if you have tickets or violations. Mississippi drivers on average pay around $750 each year for Escape insurance, but that policy rate is a ballpark figure that rates a 40-year-old single female driver who purchased full coverage and $1,000 physical damage deductibles.
There’s a good chance you aren’t exactly 40 years old or even a female, married instead of single, and you probably do not live in the same zip code as the example. Not every driver requires the same auto insurance coverages, so the only way to find the cheapest rates for your Ford is to regularly compare rates at renewal. Rate quotes are easy and you will receive price comparisons from some of the cheapest companies that insure vehicles in Mississippi.
Your vehicle’s trim level can impact the cost of coverage, so the cost to insure a Escape XLS 2WD will be $72 less than the price to insure the more costly Escape Limited 4WD version, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Escape XLS 2WD||$128||$246||$356||$22||$106||$858||$72|
|Escape XLS 4WD||$128||$246||$356||$22||$106||$858||$72|
|Escape XLT 2WD||$128||$246||$356||$22||$106||$858||$72|
|Escape Limited 2WD||$148||$246||$356||$22||$106||$878||$73|
|Escape XLT 4WD||$148||$246||$356||$22||$106||$878||$73|
|Escape Limited 4WD||$148||$298||$356||$22||$106||$930||$78|
|Get Your Own Custom Quote Go|
Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Mississippi minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Premium costs do not factor in specific location information which can raise or lower premium rates substantially.
Comparing quotes for low-cost insurance is confusing at best, and deciding which insurers offer the cheapest car insurance rates for a Ford Escape involves even more shopping around. Every car insurance company uses their own formula to set their prices, so let’s begin by examining the car insurance companies with the most affordable rates in Mississippi.
It’s important to understand that Mississippi car insurance rates are determined by lots of factors that may substantially change the price you have to pay. Improving your credit score, buying a home instead of renting, or getting a DUI may generate price changes resulting in some rates now being more expensive than competitors.
|Rank||Company||Cost Per Year|
|6||Southern Farm Bureau||$1,394|
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USAA has some of the most affordable car insurance rates in Mississippi at around $839 annually. Travelers, Unitrin, Direct General, and ALFA would also make the list of some of the lowest-priced Mississippi car insurance companies.
In the above rates, if you are insured with Travelers and switched to USAA, you might see yearly savings of upwards of $151. Mississippi drivers with Unitrin could save as much as $294 a year, and Direct General customers might lower prices by up to $439 a year.
Bear in mind that those estimates are averaged across all types of drivers and the different vehicles they drive and and are not calculated with a specific rate factor for a Ford Escape. So the auto insurance company that fits your age and vehicle best may not even be included in the rate chart shown above. That point stresses why you need to get rate quotes from many companies using your own driver and vehicle profiles.
Enter your zip code below to view companies that have cheap auto insurance rates.
The chart below illustrates how choosing a deductible can affect insurance prices when getting quotes for cheap insurance for a Ford Escape. The price estimates are based on a married female driver, full physical damage coverage, and no policy discounts are applied.
The chart above illustrates that a 50-year-old driver could reduce rates by $228 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $348 by choosing a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, could drop their prices up to $570 every year just by choosing larger deductibles. If you do decide to increase your deductibles, it is important to have plenty of money set aside to cover the extra out-of-pocket expense that is associated with using high deductibles.
Why are you paying too much to insure your Escape?
Mississippi car insurance rates are impacted by many things that control the cost of a policy. Improving your credit score, buying higher coverage limits, or getting a ticket for running a stop sign may prompt premium changes resulting in some companies being cheaper in comparison to the competition.
In addition to those changes, auto insurance companies file new rates without warning to ensure their profitability. Unexpectedly high claims can result in a rate increase, while less frequent claims may cause lower-cost Escape insurance rates.
For instance, the graph below analyzes the cheapest car insurance in Mississippi for a 35-year-old male driver with a clear driving record, no claims, and great credit. Based on his current risk factors, USAA might quote the lowest car insurance rates in Mississippi at $831 a year. This is $937 less than the average premium paid by Mississippi drivers of $1,768. Travelers, Unitrin, Direct General, and ALFA are also on the list of the cheapest Mississippi auto insurance companies.
Let’s now give the driver from the above example an accident surcharge, a lower credit rating, and a blemish on his driving record. Due to the fact that every auto insurer has a different formula for determining prices, analyzing rates may now result in a significantly different list of affordable Mississippi car insurance companies as shown below.
State Farm now has the cheapest insurance rate in Mississippi with Southern Farm Bureau, Shelter, Travelers, and Nationwide also having competitive pricing. This example illustrates why Mississippi drivers need to shop around when trying to find the most economical insurance rates for a Ford Escape. Rates are impacted by many factors and can change substantially, so the cheapest rate when you bought your policy may now be wasting a lot of money.
Cheapest Ford Escape insurance quotes
You have a lot of ways to purchase car insurance in Mississippi, but the three most common methods are using an exclusive insurance agency such as Liberty Mutual or Allstate, an independent or non-exclusive agent, or from a direct company like Progressive or Geico. They all have the same end result, but they differ slightly in how they give price quotes.
Independent insurance agents work for many companies and can do rate comparisons with each one. These agents are appointed with more than one company and can give you a larger rate selection, which may give you a better overall rate comparison. If your premiums go up, you can get a different policy which requires no work on your part.
A captive or exclusive agent is usually just provide rates from one company, examples being State Farm and Allstate agents. This type of agents cannot shop your coverage around, so you will not be able to compare multiple prices.
The final way is buying direct, which means you skip the middleman (the agent) and buy direct from companies such as Geico or Esurance. Shopping direct can be good for drivers who have fewer assets and understand what coverage limits and deductibles they need.
So which method is best to buy cheap insurance for a Ford Escape in Mississippi? The majority of car insurance shoppers assume that buying from a direct company results in the cheapest rates since it doesn’t require paying agent commissions, but unfortunately, that is not always true. An argument could also be made that going through an independent agent can save the most money since there are more companies to choose from, but that assumption is not true either. In the right set of circumstances, exclusive agents have price quotes that independents and direct companies can’t touch.
Because there are so many factors that make up car insurance rates, the one way to find out which one is cheapest is to get quotes and compare. It takes a little work, but we recommend you get price quotes from all three in order to find the best price. For a list of companies with some of the cheapest Mississippi car insurance rates, click here to view.
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