Who Has the Cheapest Plano Auto Insurance for a Ford Escape?

Buying the cheapest auto insurance for a Ford Escape in Texas is pretty easy for most people, but it hinges on a whole bunch of rating criteria such as whether you own a home, your geographic location, and any prior driving offenses you have. Texas drivers will pay around $744 a year for Escape insurance, but that amount is a projection calculated using a 50-year-old married female driver with full physical damage coverage and $500 deductibles.

The issue with using an average estimated rate is the likelihood you aren’t exactly 50 years old or even a female, maybe you are single instead of married, or maybe your Escape doesn’t need full coverage. Having just a slight change in rating criteria or coverage limits can result in a large change in the cost of insurance.

Having different needs demonstrates why the only way to find cheap car insurance rates for your Ford is to do the rate comparisons yourself.

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The trim level of your vehicle will likely have an effect on the coverage cost, so the rate you pay to insure a Escape XLS 2WD model will be $84 cheaper than the price to insure the higher-priced Escape Limited 4WD model, as shown by the rates below.

Ford Escape Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $160 $272 $304 $18 $92 $846 $71
Escape XLS 4WD $160 $272 $304 $18 $92 $846 $71
Escape XLT 2WD $160 $272 $304 $18 $92 $846 $71
Escape Limited 2WD $184 $272 $304 $18 $92 $870 $73
Escape XLT 4WD $184 $272 $304 $18 $92 $870 $73
Escape Limited 4WD $184 $332 $304 $18 $92 $930 $78
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Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Estimates do not factor in specific Plano garaging location which can decrease or increase auto insurance rates significantly.

Choosing a good quality car insurance company can be rather challenging considering how many choices drivers have in Plano. The company ratings shown below could help you decide which providers to look at when comparing rate quotes.

The ratings below include companies who write in the majority of U.S. states, so smaller companies will not be included in the list. To check prices from the insurers below and more, click here.

Top 10 Major Auto Insurance Companies in Plano Ranked by Value

  1. Mercury Insurance
  2. Travelers
  3. American Family
  4. AAA Insurance
  5. Safeco Insurance
  6. Progressive
  7. The Hartford
  8. The General
  9. 21st Century
  10. Esurance

Top 10 Major Auto Insurance Companies Overall in Plano

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

The chart below illustrates how choosing a deductible can increase or decrease insurance prices when researching cheap insurance for a Ford Escape. Data assumes a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

In the chart above, a 40-year-old driver could lower rates by $318 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $480 by selecting a $1,000 deductible. Youthful drivers, like the age 20 example, could drop their prices $1,060 or even more by choosing a larger deductible amount. If you do raise deductibles, it will be necessary to have plenty of money set aside to satisfy the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

Driving violations and accidents

The common sense way to find good car insurance prices in Plano for an Escape is to drive cautiously and avoid getting tickets or having accidents. The chart below demonstrates how traffic citations and at-fault accidents can impact insurance prices for each different age group. The costs are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied to the premium.

In the prior example, the average cost of a car insurance policy in Texas per year with a clean driving record and no accidents is $1,682. Add in one speeding ticket and the average cost surges to $1,957, an increase of $275 each year. Now include two accidents along with the one speeding ticket and the yearly cost of car insurance for a Ford Escape jumps again to an average of $4,269. That’s an increase of $2,587, or $216 per month, just for not driving carefully!

How to find more affordable auto insurance for a Ford Escape

Lowering your rates is not difficult, and here are some penny-pinching solutions that can help Plano drivers locate more affordable auto insurance.

That last idea is particularly critical, as was pointed out in the prior article. Car insurance prices in Plano adjust frequently, so drivers shouldn’t be reluctant to buy from a different company if a better rate can be found.

Having brand loyalty is commendable, but it’s not recommended if that loyalty ends up costing a lot of money every month. Take a couple minutes and compare prices to find cheaper auto insurance for a Ford Escape.

If you aren’t clear which coverage you need and would like to have a consultation when comparing insurance rates for an Escape, the agents listed below can probably aid you in deciding which car insurance company is the best fit. To locate an agency close to where you live, click the button following the list or click here to compare rates now.

Alpha Omega Insurance Agency
3275 Independence PkwyPlano, TX 75075(972) 519-5435

Joseph Jackson – State Farm Insurance Agent
7920 Preston Rd #300Plano, TX 75024(972) 690-9090

A and H Insurance
2504 K Ave #400Plano, TX 75074(972) 423-4348

Encore Insurance Agency, L.L.C.
2301 Ohio DrPlano, TX 75093(877) 745-5005

Farmers Insurance – Joseph Qiu
5016 Tennyson PkwyPlano, TX 75024(972) 781-0808

More Plano, TX insurance agents