What Auto Insurance is Cheapest for a Ford Escape in Chula Vista?

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Buying the cheapest car insurance for a Ford Escape relies on a whole bunch of rating criteria such as annual miles driven, your credit status, and the level of deductible you choose. Drivers will pay around $1,279 annually to insure their Escape, but that is a valuation calculated based on a 40-year-old single male driver with both comprehensive and collision coverage and $250 deductibles.

It's highly likely you may not be 40 years old (or even male), maybe you are married instead of single, or maybe you just want different deductibles. Auto insurance is not the same for everyone, so the best way to find affordable rates for your Ford is to just compare rates yourself.

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The specific trim level will most likely have an effect on the coverage cost, so the price you pay to insure a Escape XLS 2WD trim level will be $160 less than the price to insure the more costly Escape Limited 4WD model, as shown in the table below.

Ford Escape Insurance Rates in Chula Vista, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $292 $544 $454 $26 $136 $1,452 $121
Escape XLS 4WD $292 $544 $454 $26 $136 $1,452 $121
Escape XLT 2WD $292 $544 $454 $26 $136 $1,452 $121
Escape Limited 2WD $334 $544 $454 $26 $136 $1,494 $125
Escape XLT 4WD $334 $544 $454 $26 $136 $1,494 $125
Escape Limited 4WD $334 $662 $454 $26 $136 $1,612 $134
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Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Price information does not factor in specific garaging location which can modify premiums considerably.

Chula Vista insurance companies ranked

Selecting the top auto insurance company can be challenging considering how many companies sell insurance in California. The company rank data shown below could help you decide which insurers to look at when comparing insurance rates for a Ford Escape.

The ratings below are only made up of insurance companies that insure vehicles in the majority of U.S. states, so companies without a large exposure are not taken into consideration for the list. If you wish to compare rates from the insurers below and more, simply click here.

Top 10 Large Car Insurance Companies Overall in Chula Vista

  1. USAA
  2. American Family
  3. AAA of Southern California
  4. State Farm
  5. The Hartford
  6. AAA Insurance
  7. GEICO
  8. The General
  9. Titan Insurance
  10. Progressive

Does full coverage make sense?

Paying a lower price for insurance is probably important to the majority of vehicle owners, and one way to pay less for insurance for a Ford Escape is to not buy full coverage. The information below visualizes the comparison of premium costs with liability coverage only compared to full coverage. The data assumes no accidents, no driving violations, $100 deductibles, drivers are not married, and no discounts are factored in.

On average, physical damage coverage costs an additional $2,586 per year over and above liability only. That raises the question when is it a good idea to stop buying full coverage. There isn't a steadfast formula for eliminating physical damage coverage on your policy, but there is a general guideline. If the yearly cost of full coverage is more than around 10% of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.

There are some situations where eliminating full coverage is not recommended. If you still owe a portion of the original loan, you have to carry full coverage to satisfy the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not buy liability only.

Why are you paying too much to insure your Escape?

Chula Vista insurance rates are impacted by many things that can increase the price of your policy. Simply improving your credit, buying another vehicle, or getting a couple of tickets may prompt premium changes that can make some companies cheaper in comparison to the competition.

And not only may your rating factors change, but car insurance companies change premium rates as needed to adjust for unexpected claims or profits. Significantly higher losses can result in price increases, while lower claims can result in lower-cost Escape insurance rates.

The chart below analyzes the cheapest car insurance in Chula Vista, CA for a 30-year-old male driver with no prior claims, no tickets, and a decent credit rating. If we look at prices based on his current rating profile, USAA may offer the lowest car insurance rates in Chula Vista at $1,172 annually. This is $479 less than the average premium paid by California drivers of $1,651. Wawanesa, Nationwide, CSAA, and Century National are also included in the cheapest Chula Vista, CA auto insurance companies.

The example below compares rates after we give the driver from the first set of rates an accident claim, poor credit, and an imperfect driving record. Due to the fact that every insurance company has a unique approach to set policy rates, analyzing rate quotes could now result in a significantly different list of the cheapest Chula Vista car insurance companies as shown below.

Grange now has the cheapest price in Chula Vista with Mercury, GEICO, Allstate, and Allied now being in the top five. This example demonstrates why it is critical to shop around with many companies when trying to get the most affordable insurance quotes for a Ford Escape.

Prices are determined by many factors and change dramatically, so the most economical option three years ago may now be one of the more expensive options.