What Insurance is Cheapest for a Ford Escape in Laredo?

Buying the cheapest insurance for a Ford Escape is dependent upon many rating factors such as how many years you have been driving, the size of your vehicle, and driving citations. Drivers in Texas pay approximately $750 a year for Escape insurance, but that figure is an estimate based on a 30-year-old married male driver with full physical damage coverage and $1,000 deductibles.

When estimating a car insurance rate like we just did, the issue is that you are not 30 years old and maybe not even male, possibly single instead of married, and you might want liability-only or different deductibles. Different coverage needs are the reason why the best way to find cheap car insurance rates for your Ford is to just take the time to compare rates yourself.

Compare Ford Escape Insurance Rates

The trim level of your Ford will most likely have an effect on the coverage cost, so the cost to insure a Escape XLS 2WD trim level will be $80 less than the insurance cost for the higher-end Escape Limited 4WD trim level, as shown by the rates below.

Ford Escape Insurance Rates in Laredo, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $158 $256 $324 $20 $96 $854 $71
Escape XLS 4WD $158 $256 $324 $20 $96 $854 $71
Escape XLT 2WD $158 $256 $324 $20 $96 $854 $71
Escape Limited 2WD $182 $256 $324 $20 $96 $878 $73
Escape XLT 4WD $182 $256 $324 $20 $96 $878 $73
Escape Limited 4WD $182 $312 $324 $20 $96 $934 $78
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Rate quotes do not factor in specific zip code location which can alter prices considerably.

Laredo car insurance companies ranked

Ending up with a highly-rated car insurance provider can be rather challenging considering how many companies are available to choose from in Laredo. The company ratings below may help you analyze which car insurance providers to look at comparing rate quotes with. The ratings below are for the companies with a significant amount of written premium nationwide, so companies without a large exposure will not be included in this list.

Best Car Insurance Companies for a Ford Escape in Laredo
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Insure.com Best Car Insurance Companies

Liability-only versus full coverage

Finding cheaper car insurance is probably important to the majority of people, and one of the fastest ways to pay lower rates for insurance for a Ford Escape is to not insure for full coverage. The chart below illustrates the difference between car insurance rates with full physical damage coverage and with liability coverage only. The premium estimates are based on no claims or violations, $1,000 deductibles, single marital status, and no discounts are factored in.

If the expense is averaged for all age categories, physical damage insurance costs an additional $1,598 per year more than just insuring for liability. That raises the question if you should buy full coverage at all. There isn’t a written rule to drop comprehensive and collision coverage on your policy, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is more than around 10% of replacement cost minus your deductible, then you might consider buying liability only.

Driving violations and accidents

The obvious way to earn affordable car insurance premiums in Laredo for an Escape is to drive safe and not get tickets or have accidents. The example below demonstrates how traffic citations and at-fault claims can affect auto insurance costs for each age group. The premium estimates are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.

In the previous example, the average cost of an auto insurance policy in Laredo per year with no accidents and a clean driving record is $1,874. Receive one speeding ticket and the average cost swells to $2,180, an increase of $305 each year. Now throw in two accidents along with the one speeding ticket and the 12-month cost of car insurance for a Ford Escape jumps again to an average of $4,659. That’s an increase of $2,785, or $232 per month, just for not keeping your driving record clean!

How to find more affordable insurance for a Ford Escape

The list below details some of the better penny-pinching ideas that can help you locate cheaper car insurance.

The final tip is highly critical, as we hit on in the prior article. Car insurance prices can be adjusted at any time, so don’t hesitate to switch carriers if a better rate can be found. Staying with the same company for years is fine, but it’s not a great idea if it’s costing you a small fortune. If you have a few minutes, compare prices and find cheaper car insurance for a Ford Escape in Laredo.

The insurance agencies below can probably help you make a decision which coverages and limits you need, since some drivers have questions and prefer to get help from a professional when trying to find the best insurance rates for a Ford Escape. It can be difficult to find the cheapest auto insurance company, so getting professional guidance from a licensed agent can bring comfort knowing your coverage gives you sufficient coverage at claim time.

To find an agent closest to you, click the link at the bottom.

View map of Laredo, TX insurance agents