Buying cheap car insurance for a Ford Escape in Pennsylvania is dependent upon a complicated rating formula that uses factors such as whether you are married, if you have a tendency to file claims, and your choice of physical damage deductibles. Drivers in Pennsylvania pay on average $769 per year to insure their Escape, but that cost is a valuation using a 50-year-old single male driver with full comprehensive and collision coverage and $500 deductibles.
There’s a high likelihood you aren’t exactly 50 years old or even a male, possibly married instead of single, or maybe you prefer to not insure for full coverage. Auto insurance requires individual risk assessment, so the only real way to find the most affordable coverage for your Ford is to compare rates from as many companies as possible.
The trim level of your Escape will have an impact price, so the price you will be charged to insure a Escape XLS 2WD trim level will be $88 cheaper than the cost 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||$154||$292||$316||$18||$94||$874||$73|
|Escape XLS 4WD||$154||$292||$316||$18||$94||$874||$73|
|Escape XLT 2WD||$154||$292||$316||$18||$94||$874||$73|
|Escape Limited 2WD||$178||$292||$316||$18||$94||$898||$75|
|Escape XLT 4WD||$178||$292||$316||$18||$94||$898||$75|
|Escape Limited 4WD||$178||$356||$316||$18||$94||$962||$80|
|Get Your Own Custom Quote Go|
Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Prices do not factor in specific location information which can lower or raise coverage rates greatly.
Insuring your vehicle with the top insurance company is hard considering how many companies there are in Pennsylvania. The company rank data listed below can help you pick which car insurance providers you want to consider when comparing rate quotes. The rankings below only include companies with a nationwide focus, so companies with more of a regional focus are not factored into the list.
Top 10 Major Auto Insurance Providers in Philadelphia Ranked by Value
- The General
- The Hartford
- Titan Insurance
- Farmers Insurance
- 21st Century
- Safeco Insurance
- AAA Insurance
- State Farm
Top 10 Major Auto Insurance Providers in Philadelphia Ranked by Claims Service
- Liberty Mutual
- State Farm
- Titan Insurance
- The General
- 21st Century
Cost comparison with and without full coverage
Saving money when shopping for car insurance should be important to most drivers, and one way to buy cheaper insurance for a Ford Escape is to not buy comprehensive and collision coverage. The example below shows the comparison of car insurance rates with and without physical damage coverage. The data assumes no accidents or driving violations, $250 deductibles, drivers are not married, and no policy discounts are applied.
If we average the cost for ages 20 through 70, full coverage on your policy costs $1,731 per year more than buying just liability insurance. That is a big expense that brings up the question if physical damage coverage is worth the money. There is no exact formula of when to eliminate full coverage on your policy, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than around 10% of replacement cost minus your deductible, then you may need to consider dropping full coverage.
For example, let’s say your vehicle’s claim settlement value is $10,500 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would receive is $9,500 after paying your policy deductible. If you are paying more than $950 annually for your policy with full coverage, then it could be time to drop full coverage.
There are some conditions where removing full coverage is not financially feasible. If you still owe a portion of the original loan, you have to maintain full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should not eliminate full coverage.
The chart below shows how choosing a deductible can impact annual premium costs when researching cheap insurance for a Ford Escape. The premium estimates are based on a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
As shown above, a 50-year-old driver could save $230 a year by changing from a $100 deductible to a $500 deductible, or save $346 by selecting a $1,000 deductible. Even younger drivers, like the Age 20 category, could possibly save $762 or more just by choosing higher deductibles when buying full coverage.
If you make the decision to raise deductibles, it will be necessary to have spare funds to be able to cover the extra out-of-pocket expense, which deters some people from using high deductibles.
Get discounts on Philadelphia car insurance rates
Insurance companies that sell policies for a Ford Escape may also provide policy discounts that can lower rates by 35% or more if you are eligible for them. Larger car insurance companies and some of their more popular discounts are shown below.
- Progressive offers premium reductions for good student, online quote discount, homeowner, continuous coverage, multi-vehicle, online signing, and multi-policy.
- Farmers Insurance has discounts for alternative fuel, good student, business and professional, multi-car, and electronic funds transfer.
- Farm Bureau may offer discounts for renewal discount, good student, multi-vehicle, driver training, youthful driver, and safe driver.
- State Farm offers discounts for driver’s education, multiple autos, student away at school, Steer Clear safe driver discount, defensive driving training, Drive Safe & Save, and good student.
- GEICO discounts include federal employee, good student, membership and employees, seat belt use, and defensive driver.
- SAFECO has savings for anti-lock brakes, safe driver, bundle discounts, accident prevention training, multi-car, and homeowner.
- Liberty Mutual may have discounts that include new graduate, new vehicle discount, preferred payment discount, new move discount, and safety features.
The diagram below compares car insurance rates with and without discounts applied to the premium. The rate quotes are based on a male driver, a clean driving record, no at-fault accidents, Pennsylvania state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with passive restraint, anti-theft, accident-free, multiple vehicle, safe-driver, and defensive driving course discounts applied. When these discounts are applied to the policy premium, the average savings per year on car insurance for a Ford Escape is 28% or $391.
If you aren’t sure which coverage you need and prefer to have a consultation when trying to find lower insurance rates for a Ford Escape, the professional agents shown below are willing to help you make a decision which auto insurance policy fits you best.
To locate a Philadelphia insurance agent close to where you live, click the button following the list or click here to compare rates now.
- Larry Lewis Insurance Agency, LLC
4548 Market St #208 – Philadelphia, PA 19139 – (215) 243-4110
- State Farm: Brian Cover
7005 Bustleton Ave – Philadelphia, PA 19149 – (215) 332-9000
- State Farm – Philadelphia – Thanh Pham
254 S 10th St – Philadelphia, PA 19107 – (215) 238-7400
- Craig Alleyne – State Farm Insurance Agent
6335 Wayne Avenue – Philadelphia, PA 19144 – (215) 438-8440