Who Has Cheap Insurance for a Ford Escape in Montana?
Enter your Montana zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 13, 2019
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Because the topic is auto insurance, the word affordable should never be used anywhere to describe car insurance rates. Despite the oxymoron, cheap car insurance for a Ford Escape is not easy to find. Don’t let that ruin your day, because we will tell you how you can still find and buy car insurance that is cheaper than what you have now.
Finding the best cheap auto insurance for a Ford Escape in Montana is contingent on lots of different rating factors like if you own the home you live in, whether or not you garage your vehicle, and citations or violations on your driving record. Montana drivers on average will pay $1,270 each year to insure their Escape, but that amount is an estimation based upon a 40-year-old married male driver who requires full physical damage coverage and $500 policy deductibles.
It’s highly likely you may not be 40 years old (or even male), you might be single instead of married, or maybe you just want liability only. Even a slight difference in rating criteria can precipitate large changes in how much insurance for a Ford Escape costs.
Every driver has different characteristics, so the most reliable method for finding the cheapest insurance price for your Ford is to make a habit of comparing prices at least once a year.
The specific model of Escape will be a contributing factor to the annual cost of coverage, so the price to insure a Escape XLS 2WD will be $144 less than the cost to insure the higher-priced Escape Limited 4WD model, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Escape XLS 2WD||$288||$460||$508||$30||$152||$1,438||$120|
|Escape XLS 4WD||$288||$460||$508||$30||$152||$1,438||$120|
|Escape XLT 2WD||$288||$460||$508||$30||$152||$1,438||$120|
|Escape Limited 2WD||$332||$460||$508||$30||$152||$1,482||$124|
|Escape XLT 4WD||$332||$460||$508||$30||$152||$1,482||$124|
|Escape Limited 4WD||$332||$560||$508||$30||$152||$1,582||$132|
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Prices above based on married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Montana minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Price estimates do not factor in specific Montana garaging location which can alter premiums significantly.
Montana insurance companies ranked
Buying coverage from the right auto insurance provider can be challenging considering how many companies there are in Montana. The company information listed below can help you pick which car insurance providers you want to consider when comparing rate quotes.
These ratings include companies who write in the majority of U.S. states, so smaller companies that only insure vehicles in Montana are not included in the list. If you’d like to compare prices from the most competitive companies in Montana, follow this link.
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Data Source: Insure.com Best Car Insurance Companies
The example below illustrates how your choice of deductibles can increase or decrease insurance prices when getting quotes for cheap insurance for a Ford Escape. The premium estimates are based on a married male driver, comprehensive and collision coverage, and no discounts are factored in.
In the chart above, a 50-year-old driver could save $404 a year by increasing from a $100 deductible to a $500 deductible, or save $612 by changing to a $1,000 deductible. Younger drivers, like the age 20 example, can save $1,346 annually by selecting a higher deductible.
If you make the decision to raise deductibles, it is essential to have spare funds to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
Drive safe and save
In a perfect world, the ideal way to obtain cheap insurance for a Ford Escape in Montana is to be a careful driver and have a clean driving record. The illustration below shows how speeding tickets and accident claims can increase premium costs for different age groups. The data assumes a married male driver, full coverage, $250 deductibles, and no discounts are factored in.
The data in the chart shows the average cost of a car insurance policy in Montana per year with a clean driving record and no accidents is $2,652. Receive one speeding ticket and the average cost hikes up to $3,044, an increase of $392 each year. Next add one accident along with the one speeding ticket and the yearly cost of insurance for a Ford Escape goes up to an average of $4,130. That’s an increase of $1,479, or $123 per month, just for not being a responsible driver!
How to get cheap insurance for a Ford Escape in Montana
It’s not impossible to find cheaper rates, and here are some of the better penny-pinching suggestions that can help you get the cheapest car insurance.
- Good credit scores may lower your rates
- Avoid getting tickets or violations
- At-fault accidents will increase rates
- Discounts for being claim-free can be substantial
- Lower rates by purchasing a safer vehicle
- Shop around for cheaper prices
That final tip is very crucial, as was affirmed in this piece. Prices charged by companies change constantly, so you should be ready to change to a new company if a lower-cost policy is available.
Sticking with a specific company is fine, but we do not recommend it if it’s costing you hundreds every year. In just a few minutes you could compare prices to find cheaper insurance for a Ford Escape.
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