Cheapest Insurance Quotes for a Ford Escape in New York
Your ability to find cheaper car insurance for a Ford Escape in New York is contingent on many rating criteria like whether you are married, your credit score, and whether or not you are a good driver. New York drivers on average pay approximately $840 annually to buy insurance for a Ford Escape, but that rate is a ballpark figure calculated based on a 40-year-old single male with full physical damage coverage and $100 physical damage deductibles.
Chances are that rate is not what you would pay, because most likely you are not 40 and possibly not even male, possibly married instead of single, or you have a violation or two on your driving record. Every driver’s needs are different, and that is why the best way to find affordable rates for your Ford is to do your own rate comparisons. Rate quotes are easy and you will receive prices from top-rated car insurance companies available.
The trim level of your Escape will influence the cost of insurance, so the cost to insure a Escape XLS 2WD model will be $116 less expensive the cost to insure the higher-priced Escape Limited 4WD trim level, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Escape XLS 2WD||$194||$388||$272||$16||$82||$952||$79|
|Escape XLS 4WD||$194||$388||$272||$16||$82||$952||$79|
|Escape XLT 2WD||$194||$388||$272||$16||$82||$952||$79|
|Escape Limited 2WD||$224||$388||$272||$16||$82||$982||$82|
|Escape XLT 4WD||$224||$388||$272||$16||$82||$982||$82|
|Escape Limited 4WD||$224||$474||$272||$16||$82||$1,068||$89|
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Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and New York minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Rate information does not factor in New York location which can influence rates significantly.
Buying coverage from the right car insurance company can be challenging considering how many companies there are to choose from in New York. The information in the lists below can help you choose which car insurance companies you want to consider shopping your coverage with. These ratings are only made up of companies that write coverage in many states, so companies that have a smaller presence are not factored into these rankings.
Top 10 Large Auto Insurers in New York Ranked by Claims Service
- Liberty Mutual
- State Farm
- The General
- The Hartford
- 21st Century
Top Companies for Ford Escape Insurance in New York
The information below highlights how deductible selection can influence yearly insurance costs when researching cheap insurance for a Ford Escape. The premiums assume a single male driver, full physical damage coverage, and no policy discounts are applied.
The chart above illustrates that a 30-year-old driver could reduce rates by $244 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $368 by switching to a $1,000 deductible. Even younger drivers, like the Age 20 chart data, could drop their prices $714 or more by using a higher deductible.
When increasing deductibles, it will be required to have enough funds in savings to enable you to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Discounts on the cheapest insurance for a Ford Escape in New York
Insurers that provide policies for a Ford Escape may also provide policy discounts that can lower rates by 35% or more if you meet specific eligibility requirements. Popular car insurance companies and some of the premium reductions they offer can be found below.
|Defensive driver training||Yes||Yes||Yes||Yes||Yes|
|Pay in full||Yes||Yes||No||Yes||Yes|
|Student at college||Yes||Yes||Yes||No||Yes|
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The diagram below illustrates the comparison of insurance premiums with and without discounts. The premium estimates are based on a male driver, no claims or driving violations, New York state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with defensive driving course, multiple vehicle, multiple policy, homeowner, claim-free, and accident-free discounts applied. In this example, the average savings per year on car insurance for a Ford Escape is % or $.
Allstate, Progressive, State Farm, or Geico: Who is cheapest?
When shopping around for insurance for an Escape in New York, the companies that insure more vehicles than anyone else are Allstate, Progressive, State Farm, and Geico. When combined, they make up almost 50% of all auto insurance written. The following table ranks price, claims, and customer service ratings, as well as some optional coverages .
|Rate for vehicle usage||Yes||Yes||Yes||No|
|Uber and Lyft insurance||Yes||Yes||Yes||Yes|
|New car replacement insurance||Yes||No||No||No|
|Accident forgiveness coverage||Yes||Yes||No||Yes|
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