Cheap Insurance Quotes for a Ford Escape in New Hampshire
Enter your New Hampshire zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 15, 2019
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When talking about auto insurance, the word cheap shouldn’t be used anywhere to describe car insurance rates. It’s just reality that cheap auto insurance for a Ford Escape can be extremely hard to find. But fear not, because we are going to show you some ways you can quote and buy car insurance that is cheaper than your current policy.
The chances of buying affordable coverage for a Ford Escape in New Hampshire is dependent upon things like annual miles driven, where your vehicle is garaged, and the level of deductible you choose. New Hampshire drivers pay an average of $530 each year to insure their Escape, but that is a ballpark figure based on rate data for a 40-year-old married female with both comprehensive and collision coverage and $500 physical damage deductibles.
Chances are good that you’re not a 40-year-old female, single instead of married, or you want lower deductibles. What appears to be a small change in rating factors can lead to a big change in quoted rates.
There is no perfect policy for every driver, so the best way to quote cheap car insurance rates for your Ford is to comparison shop your policy at each renewal.
The trim level of your vehicle can impact the coverage cost, so the price you will be charged to insure a Escape XLS 2WD will be $60 cheaper than the price to insure the higher-priced Escape Limited 4WD trim level, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Escape XLS 2WD||$112||$200||$212||$12||$64||$600||$50|
|Escape XLS 4WD||$112||$200||$212||$12||$64||$600||$50|
|Escape XLT 2WD||$112||$200||$212||$12||$64||$600||$50|
|Escape Limited 2WD||$128||$200||$212||$12||$64||$616||$51|
|Escape XLT 4WD||$128||$200||$212||$12||$64||$616||$51|
|Escape Limited 4WD||$128||$244||$212||$12||$64||$660||$55|
|Get Your Own Custom Quote Go|
Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and New Hampshire minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Information does not factor in New Hampshire location which can affect coverage rates noticeably.
Ending up with the top car insurance company is hard considering how many choices you have in New Hampshire. The company information listed below can help you pick which providers you want to consider buying from.
These ratings only include the largest companies in America, so smaller companies that only insure vehicles in New Hampshire are not included in this list. If you’d like to compare prices from these and other competitive companies, just click here.
Top 10 Large Auto Insurance Providers in New Hampshire Ranked by A.M. Best Rating
- GEICO – A++
- Travelers – A++
- State Farm – A++
- USAA – A++
- Esurance – A+
- Allstate – A+
- Nationwide – A+
- Progressive – A+
- The Hartford – A+
- The General – A-
Top Companies for Ford Escape Insurance in New Hampshire
Enter your zip code below to view companies that have cheap auto insurance rates.
The example below shows how different deductible levels can increase or decrease premium costs when searching for cheap insurance for a Ford Escape. The price estimates are based on a single female driver, full physical damage coverage, and no discounts are taken into consideration.
The data above shows that a 30-year-old driver could cut expenses by $216 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $326 by choosing a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, could shave $476 or even more by choosing larger deductibles on their policy.
If you do raise deductibles, it will be important to have enough spare savings to enable you to cover the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
Don’t make the mistake of not shopping around
New Hampshire insurance rates are impacted by many things which can substantially change the cost of having a policy. Improving your credit rating, becoming a homeowner, or getting a few speeding tickets may prompt premium changes resulting in some companies being more affordable than the competition.
Not only that, but auto insurance companies amend premium rates without warning to ensure their profitability. An unexpected high level of claims may result in higher prices, while lower claim levels can cause cheaper Escape insurance rates.
To illustrate this point, the graph below shows a variety of companies that have the cheapest car insurance in New Hampshire for a 40-year-old female driver with no accidents, a clean driving record, and solid credit. When quoting prices based on her current rating profile, Concord might offer the most affordable car insurance rates in New Hampshire at $684 each year. This is $846 less than the average rate paid by New Hampshire drivers of $1,530. Travelers, Patriot, USAA, and Vermont Mutual are also on the list of the cheapest New Hampshire auto insurance companies.
In this next rate comparison, we will give the driver from the first rate comparison a chargeable claim, a lower credit score, and a couple of points charged on her driving record. Because each company uses a different method for filing rates in each state, comparing rates will most likely result in a significantly different list of companies as shown below.
Travelers now has the best car insurance rate in New Hampshire with Encompass, MMG Insurance, Progressive, and State Farm also having competitive pricing. This example proves why it is important to shop around to get the lowest insurance quotes for a Ford Escape. Prices are made up of many things and change dramatically, so the cheapest option the last time you checked may now be quite expensive.
How to find low-cost car insurance for a Ford Escape
Lowering your rates is not difficult, and here are many thrifty solutions that can help you get low-cost car insurance.
- Bundle home or renters insurance to earn a discount on car insurance
- Be a cautious driver
- Get cheaper liability coverage by choosing a safer vehicle
- Frequent claims may make car insurance unaffordable
- Having at-fault accidents will increase rates
- Shop around for cheaper rates regularly
The final tip is very important, as was discussed in this piece. Insurance rates can change considerably in a year, so don’t be unwilling to switch companies if a better rate can be found. Having a favorite company is fine, but it’s not a good idea if that inflexibility results in costing you potentially thousands of dollars a year. In just a couple of minutes you could compare rates to find cheaper insurance for a Ford Escape.
Who has the cheapest Ford Escape insurance quotes?
Drivers have many ways to purchase insurance in New Hampshire, but the most frequently used methods are using an independent or non-exclusive agent, a captive (or exclusive) agent such as State Farm or Liberty Mutual, or direct either online or via phone.
All three ways are similar, but each is different in how they give price quotes.
Independent agencies work for many companies and can compare coverage rates with every one. These types of agents are not locked into one company and can get prices from more than one company, which can help you get the best idea of how your rates compare. If they find a lower price, your policy can be moved and that require little work on your part.
An agent who is captive is ‘exlusive’ to one company such as State Farm and Auto-Owners agents. Exclusive agents are unable to provide rate quotes from other companies, so always compare other rates.
When you buy insurance direct, you skip a local insurance agent and instead shop direct from companies such as Esurance or Progressive. This insurance option is good for drivers who do not need high amounts of coverage and know how their policy works.
Out of those three methods, which one works best to find cheap insurance for a Ford Escape in New Hampshire? We wish we could say shopping direct yields the cheapest rates since there isn’t an agent involved, but that is not always the case. A good argument could also be made that buying from an independent agent guarantees the best prices because they can shop around, but again, that’s not accurate. In the right set of circumstances, exclusive agents have coverage prices that cannot be met by either independent or direct companies.
Due to the large number of rating factors, the best way to buy the cheapest policy is to do a thorough rate comparison. Industry experts recommend getting quotes from all three types to give yourself the best selection. For a list of companies with some of the cheapest New Hampshire insurance rates, click here to view.
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