Finding cheaper insurance for a Ford Escape can be really easy, but it depends on a whole bunch of factors such as whether the vehicle is new, if you have recent claims, and driving violations and tickets. Drivers pay approximately $997 each year to insure their Escape, but that price is an approximation calculated using a 40-year-old single male driver with full comprehensive and collision coverage and $1,000 deductibles.
The issue with using an average estimated rate is the likelihood you are not 40 and maybe not even a male, maybe you are married instead of single, or maybe your Escape is old enough that it doesn't require full coverage. Auto insurance requires individual risk assessment, so the only real way to find cheap insurance rates for your Ford is to put in the effort to do a thorough rate comparison.
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The trim level of your Escape will influence the cost of coverage, so the price you will pay to insure a Escape XLS 2WD will be $100 less than the price to insure the fancier 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 | $180 | $342 | $454 | $26 | $136 | $1,138 | $95 |
| Escape XLS 4WD | $180 | $342 | $454 | $26 | $136 | $1,138 | $95 |
| Escape XLT 2WD | $180 | $342 | $454 | $26 | $136 | $1,138 | $95 |
| Escape Limited 2WD | $206 | $342 | $454 | $26 | $136 | $1,164 | $97 |
| Escape XLT 4WD | $206 | $342 | $454 | $26 | $136 | $1,164 | $97 |
| Escape Limited 4WD | $206 | $416 | $454 | $26 | $136 | $1,238 | $103 |
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Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Estimates do not factor in vehicle garaging location which can lower or raise auto insurance rates considerably.
What is the best auto insurance company in Santa Ana?
Ending up with the right company can be a challenge considering how many different companies there are to choose from in California. The ranking data below may help you analyze which car insurance companies you want to consider when trying find the best insurance for a Ford Escape.
These rankings are only made up of the largest companies in the United States, so companies that focus mainly on California business are not included in these rankings. To compare prices from these and other top-rated companies, click this link.
Top 10 Large Car Insurance Companies in Santa Ana Ranked by Customer Satisfaction
- Titan Insurance - 95%
- USAA - 94%
- AAA of Southern California - 92%
- AAA Insurance - 91%
- Nationwide - 90%
- State Farm - 90%
- The Hartford - 89%
- GEICO - 89%
- The General - 88%
- 21st Century - 88%
Top 10 Large Car Insurance Companies in Santa Ana Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
The information below shows how choosing a deductible can influence insurance costs when researching cheap insurance for a Ford Escape. The information is based on a single female driver, full physical damage coverage, and no discounts are factored in.
As shown above, a 40-year-old driver could cut expenses by $350 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $530 by using a $1,000 deductible. Younger drivers, such as the 20-year-old example, could potentially save $888 or more by using a higher deductible. If you do make the decision to raise your deductibles, it will be required to have enough savings set aside to allow you to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
Why you should be shopping around
Santa Ana auto insurance rates are based on many factors which can substantially change your annual premium. Simply having another birthday, buying a new vehicle, or getting a few speeding tickets may prompt premium changes that can cause some rates to be affordable when they were higher priced.
And not only may your rating factors change, but insurers file new California car insurance rates as often as every three months in order to offset underwriting gains or losses. Significantly higher losses may result in price increases, while lower claim levels can cause more affordable Escape insurance rates.
To help illustrate this point, the bar chart below analyzes the cheapest car insurance in Santa Ana, CA for a 45-year-old male driver with no prior accidents, a clean driving record, and great credit. If we estimate prices based on his current situation, USAA may have the best car insurance rates in Santa Ana at $1,306 annually. This is $345 less than the average premium paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide are the rest of the most affordable Santa Ana, CA auto insurance companies.
In this next rate comparison, we will give the driver from the first rate comparison a chargeable accident, a lower credit score, and a couple of points charged on his driving record. Because each company has a proprietary method to set premium rates, comparing quotes may now present a different list of affordable companies as shown below.
Grange now has the cheapest insurance rate in Santa Ana, CA with Progressive, GEICO, Mercury, and Allied also having competitive pricing. This shows why consumers need to take the time to shop around to get the lowest insurance quotes for a Ford Escape. Auto insurance prices are influenced by many factors and can change without notice, so the most economical company the last time you shopped around may now be quite expensive.