Finding cheaper auto insurance for a Ford Escape depends on a very complex rating algorithm that uses multiple factors such as how far you commute, your credit score, and any prior driving offenses. Drivers in Wisconsin will pay on average $467 annually to insure their Escape, but that amount is based upon a 50-year-old single female driver with full comprehensive and collision coverage and $1,000 deductibles.
This brings up the issue that more than likely you’re not a 50-year-old female, you might be married instead of single, or maybe you just want different deductibles. This shows why the only real way to find cheap car insurance rates for your Ford is to do your own rate comparisons. Quotes only take a couple of minutes and you will receive prices from the cheapest companies around.
The specific trim level will most likely have an effect on the insurance rate, so the price you will pay to insure a Escape XLS 2WD will be $44 cheaper than the cost to insure the more well-appointed Escape Limited 4WD version, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Escape XLS 2WD||$82||$152||$220||$14||$66||$534||$45|
|Escape XLS 4WD||$82||$152||$220||$14||$66||$534||$45|
|Escape XLT 2WD||$82||$152||$220||$14||$66||$534||$45|
|Escape Limited 2WD||$94||$152||$220||$14||$66||$546||$46|
|Escape XLT 4WD||$94||$152||$220||$14||$66||$546||$46|
|Escape Limited 4WD||$94||$184||$220||$14||$66||$578||$48|
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Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Wisconsin minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Information does not factor in specific location which can raise or lower auto insurance rates greatly.
Trying to find cost effective auto insurance is tough enough, and deciding which company quotes the lowest-priced auto insurance rates for a Ford Escape requires even more diligence.
Every car insurance company uses their own formula for establishing rates, so let’s take a look at the auto insurance companies with the overall cheapest rates in Milwaukee, WI.
Best Car Insurance Prices for Your Escape
|Rank||Company||Cost Per Year|
|6||Rural Mutual Insurance||$749|
|11||West Bend Mutual||$890|
|14||Auto Club Group||$939|
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USAA normally has some of the lowest car insurance rates in Milwaukee at around $604 a year. Partners Mutual, Erie, Rockford Mutual, and Nationwide are also some of the most economical Milwaukee, WI auto insurance companies.
As the rates illustrate above, if you have coverage with Rockford Mutual and switched to Partners Mutual, you might achieve a yearly savings of around $110. Insureds with Nationwide might save as much as $131 a year, and Rural Mutual Insurance policyholders might reduce rates by $135 a year.
Understand that those estimates are averages for all types of drivers and the different vehicles they drive and do not take into consideration a specific location for a Ford Escape. So the auto insurance company that is most affordable for your situation may not even be in the top 30 companies shown above. That emphasizes why you need to get quotes using your own personalized driver profile and vehicle information.
The example below shows how choosing a deductible can raise or lower insurance prices when searching for cheap insurance for a Ford Escape. The rates are based on a single male driver, comprehensive and collision coverage, and no policy discounts are applied.
A 40-year-old driver could reduce rates by $196 a year by switching from a $100 deductible to a $500 deductible, or save $296 by switching to a $1,000 deductible. Even younger insureds, such as the Age 20 example, could reduce their rates up to $638 every year just by using higher deductibles. If you make the decision to raise deductibles, it’s a good idea to have enough in a savings account to enable you to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
Who has the cheapest Escape insurance?
Wisconsin auto insurance rates are influenced by many factors which can substantially decrease or increase the price you pay for coverage. Turning one year older, filing a claim, or having an accident may generate price changes that can now make some companies more affordable than others.
In addition to those changes, insurers change the rates they charge in Wisconsin multiple times each year in order to protect their financial rating. Significantly higher losses may result in increased policy costs, while better underwriting may cause lower-priced Escape insurance rates.
The data below shows the companies that have the cheapest car insurance in Milwaukee, WI for a 30-year-old male driver with no prior accidents, a clean driving record, and a high credit rating. Based on his personal risk profile, USAA might quote the lowest car insurance rates in Milwaukee at $857 per year. This is $304 less than the average rate paid by Wisconsin drivers of $1,161. Partners Mutual, Erie, Nationwide, and Rockford Mutual round out the rest of the cheapest Milwaukee, WI auto insurance companies.
Now we will pretend the driver in the first example a claim surcharge, poor credit, and a few traffic violations. Due to the fact that each insurance company has a proprietary formula to set policy rates, comparing rates could result in a different list of affordable companies as shown below.
Integrity Mutual now has the cheapest auto insurance in Milwaukee with Western National, Rural Mutual Insurance, Travelers, and Partners Mutual also having competitive pricing. This illustrates why consumers need to compare lots of rates to find cheap insurance quotes for a Ford Escape.
Car insurance prices can be determined by many factors and can increase or decrease at any time, so the best option when you last compared rates may now be one of the more expensive options.
If you would rather have some professional guidance when buying car insurance for an Escape, the agents below can help you determine which coverages are best.
To locate a Milwaukee auto insurance agent using an interactive map, click the link at the bottom.
- American Family Insurance – Paul Rathkamp
11805 W Hampton Ave – Milwaukee, WI 53225 – (414) 438-1515
- American Family Insurance – Lorene Hirsch Agency LLC
3927 S 76th St – Milwaukee, WI 53220 – (414) 329-3999
- See Insurance Agency LLC
7817 W Brown Deer Rd – Milwaukee, WI 53223 – (414) 355-5433
- American Family Insurance – Gregory Felzer
790 N Milwaukee St #110 – Milwaukee, WI 53202 – (414) 224-9000
- American Family Insurance – Dennis James
6111 W Bluemound Rd – Milwaukee, WI 53213 – (414) 259-0040
How to find cheaper insurance for a Ford Escape
The list below details some of the better money-saving ideas that can help you find cheap coverage.
- Frequent claims will increase rates
- Do not insure for full coverage
- Raise your deductibles
- Bundle home or renters insurance to earn a discount on car insurance
- Pay cheaper rates with good credit scores
- Safer vehicles cost less to insure
- Keep rates low by comparing prices once a year
The last tip is remarkably crucial, as we hit on in this piece. Prices charged by car insurance companies in Milwaukee can change considerably in a year, so don’t be tentative to switch to a new company if you find a better deal.
Sticking with a specific company is fine, but it’s not a good idea if that devotion results in you overpaying money that could be going to better use. It takes less than five minutes to shop around to find cheaper auto insurance for a Ford Escape.