Who Has Affordable Auto Insurance for a Ford Escape in San Jose?

Buying the best cheap auto insurance for a Ford Escape hinges on a complex formula that considers things such as how you use your vehicle, the likelihood of vehicle theft, and your motor vehicle report. Drivers will pay around $1,249 each year for Escape insurance, but that cost is an estimation calculated using a 50-year-old single female driver with full physical damage coverage and $100 deductibles.

When projecting a rate like this, the problem is that you are not 50 and maybe not even a female, maybe you are married instead of single, and maybe your Escape is older and does not require full coverage. Even a minor change in the rating criteria used to formulate rates can result in a massive change in the cost of insurance for a Ford Escape.

Auto insurance is unique to each driver, so the only way to find affordable rates for your Ford is to just compare rates yourself.

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The trim level of your vehicle tends to impact the cost of coverage, so the price you will pay to insure a Escape XLS 2WD trim level will be $160 cheaper than the insurance cost for the more expensive Escape Limited 4WD version, as demonstrated by the prices below.

Ford Escape Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $284 $554 $424 $26 $128 $1,416 $118
Escape XLS 4WD $284 $554 $424 $26 $128 $1,416 $118
Escape XLT 2WD $284 $554 $424 $26 $128 $1,416 $118
Escape Limited 2WD $326 $554 $424 $26 $128 $1,458 $122
Escape XLT 4WD $326 $554 $424 $26 $128 $1,458 $122
Escape Limited 4WD $326 $672 $424 $26 $128 $1,576 $131
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Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Rate quotes do not factor in specific location which can revise premium rates noticeably.

Choosing the top car insurance provider is hard considering how many companies sell insurance in San Jose. The information displayed below may help you analyze which auto insurance companies to look at purchasing coverage from.

The rankings below are only comprised of companies that insure vehicles nationwide, so companies that only write business in California or surrounding areas are not taken into consideration for this list. If you’d like to compare prices and find cheaper insurance for a Ford Escape, simply click here.

Top 10 Large Auto Insurance Providers Overall in San Jose

  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

Top 10 Large Auto Insurance Providers in San Jose Ranked by Claims Service

  1. AAA of Southern California
  2. State Farm
  3. Esurance
  4. AAA Insurance
  5. Progressive
  6. Liberty Mutual
  7. GEICO
  8. Allstate
  9. Titan Insurance
  10. The Hartford

Full coverage rates compared to liability-only

Reducing premiums for auto insurance should be important to most people, and an easy way to buy cheaper insurance for a Ford Escape is to not pay for full coverage. The chart below shows the difference between insurance prices with full physical damage coverage compared to only buying liability only. The data is based on no driving violations, no at-fault accidents, $500 deductibles, single marital status, and no policy discounts are applied.

Averaged out for all age groups, full coverage costs an additional $2,075 per year over liability only. At some point, every insured wonders if buying full coverage is worth the money. There is no clear-cut rule to stop paying for physical damage insurance, but there is a general guideline. If the yearly cost for physical damage coverage is more than about 10% of the replacement cost minus the deductible, then you might consider buying liability only.

A good deal can quickly turn bad

San Jose, CA auto insurance rates are impacted by many factors that may substantially change the price you pay. Improving your credit score, filing a claim, or getting a reckless driving citation can trigger price changes resulting in some rates now being affordable when they were higher priced.

Not only that, but insurers file new rates as needed to reflect underwriting profits or losses. Heavier than normal losses can result in additional price hikes, while long-term profits may result in lower-priced Escape insurance rates.

To illustrate this point, the bar chart below shows rates for the cheapest car insurance in San Jose, CA for a 45-year-old male driver with no accidents or violations, and a good credit history. If we estimate rates based on his current rating profile, USAA offers the most affordable car insurance rates in San Jose at $1,235 annually. This is $416 less than the average policy premium paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide are the remaining best San Jose, CA auto insurance companies.

In this next rate comparison, we will give the driver from the above example an accident surcharge, poor credit, and a couple of points charged on his driving record. Since each company has a unique approach for determining prices, comparing insurance quotes will most likely result in a substantially altered list of the cheapest companies as shown below.

Grange now has the best car insurance rate in San Jose with Mercury, Progressive, Allstate, and GEICO now rounding out the top five. This demonstrates why it is critical to perform a complete rate comparison when trying to get the most economical car insurance rates for a Ford Escape.

Insurance prices are calculated by many factors and change substantially, so the most affordable company two years ago may now be one of the higher cost companies.

The San Jose car insurance agencies listed below are a good start to answer your questions and help you decide which is the best policy, since some people prefer to have some professional guidance when trying to find lower insurance rates for an Escape. It’s not always easy to find the cheapest car insurance policy, and using a licensed agent can bring satisfaction knowing your policy gives you adequate protection in case of an accident or claim.

To locate a San Jose insurance agent close to where you live, click the button at the bottom of the list.

Gatewood Insurance Agency Inc
1095 Bird Ave #2San Jose, CA 95125(408) 298-1611

Taylor Benefits Insurance Agency
4820 Harwood Rd #130San Jose, CA 95124(408) 358-7502

Gurmeet Gill – State Farm Insurance Agent
151 Bernal Rd #10San Jose, CA 95119(408) 224-3737

Mike Murillo – State Farm Insurance Agent
1449 Park Ave #3San Jose, CA 95126(408) 295-0554

View more San Jose, CA insurance agents