Finding the cheapest insurance for a Ford Escape in Wisconsin can be an all-consuming task, but you can use our auto insurance buying tips to make it easier. There is a better way to buy auto insurance and we’ll show you the absolute fastest way to price shop coverage for your Ford and obtain the lowest price from Milwaukee insurance agents and online providers.
Astonishing but true, the vast majority of consumers renewed their policy with the same company for at least the last four years, and roughly 40% of drivers have never shopped around. With the average auto insurance premium being $1,300, Milwaukee drivers can cut their rates by approximately $373 a year by just comparing rate quotes, but they just don’t want to find affordable auto insurance rates.
It’s smart to get comparison quotes yearly because auto insurance prices fluctuate regularly. Even if you think you had the lowest price on Ford Escape insurance in Milwaukee two years ago a different company probably has better rate quotes today. Forget anything you know (or think you know) about auto insurance because you’re about to learn the only way to save on auto insurance.
Companies offering cheap Ford Escape rates in Milwaukee, WI
The following companies are our best choices to provide comparison quotes in Milwaukee, WI. If more than one company is shown, we suggest you get rates from several of them to get the most competitive price.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Escape XLS 2WD | $108 | $204 | $220 | $14 | $66 | $612 | $51 |
| Escape XLS 4WD | $120 | $224 | $254 | $16 | $76 | $690 | $58 |
| Escape XLT 2WD | $134 | $242 | $220 | $14 | $66 | $676 | $56 |
| Escape Limited 2WD | $138 | $210 | $188 | $12 | $56 | $604 | $50 |
| Escape XLT 4WD | $132 | $182 | $202 | $12 | $60 | $588 | $49 |
| Escape Limited 4WD | $124 | $248 | $220 | $14 | $66 | $672 | $56 |
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Wisconsin minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Prices do not factor in specific location information which can impact insurance rates considerably.
Ford Escape insurance rates: Men versus women
The information below shows the comparison of Ford Escape insurance rates for male and female drivers. Data assumes a clean driving record, no claims, full physical damage coverage, $500 deductibles, single marital status, and no discounts are applied.
Policy deductible comparison
The illustration below highlights how deductible selection and can affect Ford Escape insurance prices for different age groups. The premium estimates are based on a married male driver, full physical damage coverage, and no policy discounts are applied.
Careless driving habits raise car insurance rates
The chart below demonstrates how speeding tickets and at-fault claims increase Ford Escape insurance costs for different categories of driver ages. The premiums assume a married female driver, full physical damage coverage, $100 deductibles, and no additional discounts are factored in.
Why Informed Drivers Pay Less for Ford Escape Insurance
When buying auto insurance it’s important to understand the different types of things that play a part in calculating your auto insurance rates. When you understand what influences your rates, this enables informed choices that can earn you big savings. Many different elements are part of the calculation when you quote your car insurance policy. Some of the criteria are obvious such as your driving history, although some other factors are not quite as obvious such as your credit history or how financially stable you are.
Pay less with a high IIHS safety rating – Cars with high safety ratings get lower rates. Vehicles engineered for safety result in less severe injuries and fewer injuries means your insurance company pays less which can mean better rates for you. If your Ford earned at least four stars on Safercar.gov you may be receiving a better rate.
Bump up deductibles to lower rates – Physical damage coverage, aka comp and collision, is used to repair damage to your Ford. Examples of covered claims could be colliding with a building, vandalism, and rolling your vehicle. Your deductibles represent how much money the insured will be required to pay if the claim is covered. The larger the amount you are required to pay out-of-pocket, the less your company will charge you for insurance.
Know your credit score – Credit score can be a huge factor in determining what you pay for auto insurance. If your credit score leaves room for improvement, you could be paying less to insure your Ford Escape if you improve your credit rating. Insureds that have high credit ratings tend to be less risk to insure than drivers who have lower ratings.
Claim-free discounts can add up – Car insurance companies in Wisconsin generally give the lowest premiums to insureds who are not frequent claim filers. If you tend to file frequent claims, you can pretty much guarantee either policy cancellation or increased premiums. Auto insurance is designed for claims that pose a financial burden.
The more you drive the more you pay – The more you drive every year the more you’ll pay to insure your vehicle. Most companies charge to insure your cars determined by how the vehicle is used. Cars and trucks that do not get driven very much receive lower rates than vehicles that have high annual mileage. A policy that improperly rates your Escape may be costing you. Ask your agent if your vehicle rating states how each vehicle is driven.
Pay more for higher performance vehicles – The type of car you drive makes a big difference in your rates. Since the Ford Escape is classified as a crossover, insuring your vehicle will cost slightly more when compared to the average rates in Milwaukee. Low performance passenger cars usually are quite affordable to insure, but other factors influence the final cost greatly.
Ford Escape insurance claim data – Companies factor in insurance loss information as a tool for profitable underwriting. Vehicles that are shown to have high amounts or severity of claims will cost more for specific coverages. The next table shows the insurance loss data used by companies for Ford Escape vehicles.
For each coverage category, the statistical loss for all vehicles, without regard to make or model, is equal to 100. Numbers under 100 suggest losses that are better than average, while numbers above 100 show a trend for more claims or tendency to have larger claims.
Ford Escape Insurance Loss Statistics
| Vehicle Make and Model | Collision | Property Damage | Comp | Personal Injury | Medical Payment | Bodily Injury |
|---|---|---|---|---|---|---|
| Ford Escape 4dr 2WD | 80 | 91 | 83 | 94 | 94 | 92 |
| Ford Escape 4dr 4WD | 81 | 84 | 94 | 85 | 90 | 77 |
Statistics from IIHS.org for 2013-2015 Model Years
Discounts mean cheaper rates for Ford Escape insurance in Milwaukee
Companies don’t necessarily list the entire discount list in a way that’s easy to find, so here is a list some of the more common and the harder-to-find insurance savings.
- Discount for Good Grades – A discount for being a good student could provide a savings of up to 20% or more. You can use this discount normally until age 25.
- Student in College – Any of your kids who live away from home to go to college and won’t have access to an insured vehicle can be insured at a reduced rate.
- Discounts for Safe Drivers – Drivers who don’t get into accidents may save up to 50% more as compared to drivers with claims.
- Clubs and Organizations – Being in qualifying clubs or civic groups may earn a discount on your policy.
- Bundled Policy Discount – When you have multiple policies and insure them with the same company you could earn a discount of up to 20% off your total Escape insurance premium.
As is typical with insurance, some of the credits will not apply to the entire cost. Some only reduce the price of certain insurance coverages like medical payments or collision. So even though you would think you would end up receiving a 100% discount, companies don’t profit that way.
A few companies that may include some of the discounts shown above may include but are not limited to:
Before you buy a policy, ask all companies you are considering which discounts you may be entitled to. All car insurance discounts might not apply in Milwaukee. To see a list of insurance companies who offer insurance discounts in Wisconsin, click here to view.
Can’t I compare prices from local Milwaukee auto insurance agents?
A small number of people would rather get professional advice from a licensed agent and often times that is recommended Good insurance agents are highly skilled in risk management and help file insurance claims. A nice benefit of price shopping on the web is you may find cheap rate quotes and still choose a local agent.
To help locate an agent, after submitting this quick form, the quote information is immediately sent to participating agents in Milwaukee that provide free Milwaukee car insurance quotes for your insurance coverage. It makes it easy because there is no need to visit any agencies since rate quotes are delivered directly to your email. If you have a need to get a comparison quote for a specific company, you just need to navigate to their website and give them your coverage information.
Deciding on an insurance company should include more criteria than just the bottom line cost. Here are some questions you should ask.
- Are there any discounts that you might be missing?
- Does the quote include credit and driving reports?
- Will the agent help in case of a claim?
- Will one accident increase rates?
- Which family members are covered?
Quote. Compare. Save.
Discount Ford Escape insurance in Milwaukee can be sourced on the web as well as from insurance agents, and you need to price shop both to have the best chance of lowering rates. Some insurance companies may not provide rates over the internet and these small insurance companies only sell coverage through independent agents.
As you restructure your insurance plan, never skimp on critical coverages to save a buck or two. There have been many cases where an insured cut comprehensive coverage or liability limits only to regret at claim time they didn’t purchase enough coverage. Your strategy should be to buy the best coverage you can find at the best possible price while not skimping on critical coverages.
People switch companies for a number of reasons such as delays in paying claims, being labeled a high risk driver, questionable increases in premium and extreme rates for teen drivers. It doesn’t matter what your reason, finding the right insurance provider is easier than you think.
Additional information
- Prom Night Tips for Teen Drivers (State Farm)
- What Auto Insurance is Cheapest for Safe Drivers in Milwaukee? (FAQ)
- Who Has the Cheapest Car Insurance for Young Drivers in Milwaukee? (FAQ)
- Auto Insurance FAQ (Farmers Insurance)
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)