Affordable Insurance for a Ford Escape in Omaha

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Insurance quote for Ford Escape in OmahaIt's shocking but the vast majority of consumers have bought auto insurance from the same company for over three years, and almost 40% of drivers have never compared auto insurance rates at all. Nebraska drivers can save nearly 30% each year by just comparing rate quotes, but they don't believe how much money they would save if they swap their current policy for a cheaper one.

If saving money is your primary concern, then the best way to find cheaper Ford Escape insurance is to do an annual price comparison from insurance carriers who provide car insurance in Omaha. Rates can be compared by completing these steps.

Step 1: Take a little time to learn about how insurance works and the measures you can take to prevent high rates. Many policy risk factors that cause rate increases such as accidents, traffic violations, and poor credit can be improved by making minor changes to your lifestyle. Read the full article for ideas to help reduce premium rates and find discounts that may have been missed.

Step 2: Request rate estimates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from a single company like Progressive and State Farm, while agents who are independent can quote rates from multiple sources.

Step 3: Compare the new rates to your existing policy to see if a cheaper rate is available in Omaha. If you can save money and decide to switch, make sure coverage does not lapse between policies.

The key thing to remember is to try to compare the same liability limits and deductibles on every quote request and and to get prices from as many companies as feasibly possible. Doing this enables an apples-to-apples comparison and the best price selection.

The easiest way to compare rates for Ford Escape insurance in Omaha is to realize all the major auto insurance companies allow for online access to provide you with free rate quotes. To get started, all you need to do is provide a little information like marital status, types of safety features, how many miles driven, and the make and model of your vehicles. Your rating data is then submitted to insurance carriers in your area and you should receive rate quotes with very little delay.

To check Ford Escape insurance prices now, click here and enter your zip code.

The companies in the list below provide price quotes in Omaha, NE. If you wish to find the cheapest car insurance in Nebraska, we suggest you click on several of them to find the most affordable auto insurance rates.

Auto insurance in Nebraska serves several purposes

Despite the potentially high cost of Ford Escape insurance, paying for auto insurance is mandatory in Nebraska but it also protects more than you think.

  • Just about all states have mandatory insurance requirements which means you are required to buy a minimum amount of liability protection in order to be legal. In Nebraska these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If your Escape has a loan, most lenders will require that you have insurance to guarantee payment of the loan. If the policy lapses, the bank will be required to insure your Ford at an extremely high rate and force you to reimburse them for the much more expensive policy.
  • Insurance protects both your Ford and your assets. Insurance will pay for most medical and hospital costs for yourself as well as anyone injured by you. One policy coverage, liability insurance, will also pay attorney fees if you are named as a defendant in an auto accident. If damage is caused by hail or an accident, comprehensive and/or collision insurance will pay to have it repaired.

The benefits of having auto insurance outweigh the cost, especially for larger claims. But the average driver in Nebraska overpays more than $869 every year so it's recommended you shop around at every renewal to help ensure money is not being wasted.

Rates and other information

The data table displayed next highlights detailed analysis of insurance coverage prices for Ford Escape models. Learning how car insurance premiums are calculated can aid in making smart choices when comparing insurance quotes.

Ford Escape Insurance Rates in Omaha, NE
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $114 $186 $262 $16 $78 $656 $55
Escape XLS 4WD $114 $186 $262 $16 $78 $656 $55
Escape XLT 2WD $114 $186 $262 $16 $78 $656 $55
Escape Limited 2WD $130 $186 $262 $16 $78 $672 $56
Escape XLT 4WD $130 $186 $262 $16 $78 $672 $56
Escape Limited 4WD $130 $226 $262 $16 $78 $712 $59
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Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Price information does not factor in zip code location which can decrease or increase coverage prices considerably.

Higher deductibles save money

One frequently asked question is at what level do you set your deductibles. The rates below may help you to understand how much more you'll pay between low and high deductibles. The first rate quote example uses a $250 deductible for comprehensive and collision coverage and the second pricing table uses a $500 deductible.

Ford Escape insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $202 $320 $254 $16 $76 $893 $74
Escape XLS 4WD $202 $320 $254 $16 $76 $893 $74
Escape XLT 2WD $202 $320 $254 $16 $76 $893 $74
Escape Limited 2WD $232 $320 $254 $16 $76 $923 $77
Escape XLT 4WD $232 $320 $254 $16 $76 $923 $77
Escape Limited 4WD $232 $390 $254 $16 $76 $993 $83
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Ford Escape insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $164 $258 $254 $16 $76 $768 $64
Escape XLS 4WD $164 $258 $254 $16 $76 $768 $64
Escape XLT 2WD $164 $258 $254 $16 $76 $768 $64
Escape Limited 2WD $188 $258 $254 $16 $76 $792 $66
Escape XLT 4WD $188 $258 $254 $16 $76 $792 $66
Escape Limited 4WD $188 $314 $254 $16 $76 $848 $71
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Premium amounts do not factor in zip code location which can increase or decrease premium rates greatly.

Based on this data, we can arrive at the conclusion that using a $250 deductible would cost the average driver about $11 more each month or $132 for a full year averaged for all Escape models than opting for the higher $500 deductible. Due to the fact that you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you go more than 23 months between claim filings, you would save more money if you decide on a higher deductible.

Impact of careless driving on Omaha car insurance rates

The illustration below shows how violations and at-fault collisions drive up Ford Escape auto insurance rates for different age groups. Data assumes a married female driver, full coverage, $500 deductibles, and no discounts are applied.

Comparison of car insurance rates by gender and age

The information below shows the comparison of Ford Escape insurance costs for male and female drivers. The premiums assume no violations or accidents, comp and collision included, $250 deductibles, drivers are not married, and no discounts are applied to the premium.

Full coverage or liability only

The diagram below shows the difference between Ford Escape insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The price estimates are based on no claims or driving citations, $500 deductibles, marital status is single, and no discounts are applied.

Guidelines for dropping full coverage

There is no written rule to drop physical damage insurance, but there is a guideline you can consider. If the annual cost of coverage is more than about 10% of the vehicle's replacement cost less your deductible, then you might want to think about dropping full coverage.

For example, let's assume your Ford Escape claim settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would receive is $4,000 after paying the physical damage deductible. If you are currently paying more than $400 annually for physical damage coverage, then it may be the right time to buy liability only.

There are some situations where buying only liability insurance is not a good plan. If you still have a loan on your vehicle, you have to maintain full coverage to satisfy the loan requirements. Also, if you don't have enough money to buy a different vehicle in case of an accident, you should not opt for liability only.

Get cheaper Ford Escape insurance in Omaha with discounts

Auto insurance is neither fun to buy or cheap, but discounts can save money and there are some available to reduce the price significantly. Some discounts apply automatically at quote time, but some may not be applied and must be asked for before being credited.Auto insurance discounts

  • Early Switch Discount - A few insurance companies offer discounts for renewing your policy prior to your current Escape insurance policy expiration. You may see this discount when you get Omaha car insurance quotes online.
  • Passive Restraints and Air Bags - Factory air bags or automatic seat belts may qualify for discounts of 20 to 30 percent.
  • E-sign - A few larger online companies will give a small break for buying your policy online.
  • Discounts for Seat Belt Usage - Drivers who require all occupants to fasten their seat belts could cut 10% or more off the medical payments premium.
  • 55 and Retired - Mature drivers may qualify for better auto insurance rates.
  • Theft Prevention System - Vehicles that have factory alarm systems and tracking devices can help prevent theft and will save you 10% or more on Escape insurance in Omaha.
  • Lower Rates for Military - Being on active deployment in the military could mean lower rates.
  • Pay Early and Save - If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
  • Accident-Free Discounts - Drivers with accident-free driving histories can save substantially compared to policyholders that have many claims.
  • More Vehicles More Savings - Purchasing coverage when you have several vehicles with one company can reduce rates for all insured vehicles.

You should keep in mind that most credits do not apply to the whole policy. Most only cut the price of certain insurance coverages like liability and collision coverage. So when it seems like you would end up receiving a 100% discount, companies don't profit that way.

The information below compares Ford Escape insurance costs with and without discounts applied to the premium. The price estimates are based on a female driver, no accidents, no driving violations, Nebraska state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, safe-driver, claim-free, homeowner, and multi-car discounts applied.

Companies and their offered discounts can be found below.

  • Farm Bureau may have discounts that include 55 and retired, multi-policy, good student, multi-vehicle, and youthful driver.
  • Liberty Mutual has discounts for safety features, new graduate, hybrid vehicle, new vehicle discount, and preferred payment discount.
  • State Farm offers premium reductions for Drive Safe & Save, student away at school, safe vehicle, multiple policy, good driver, multiple autos, and driver's education.
  • Auto-Owners Insurance policyholders can earn discounts including company car, safe driver, safe vehicle, multiple vehicles, and group or association.
  • GEICO has savings for daytime running lights, seat belt use, defensive driver, military active duty, anti-theft, and emergency military deployment.
  • SAFECO may include discounts for safe driver, multi-car, teen safety rewards, accident prevention training, teen safe driver, and homeowner.

Before purchasing a policy, check with every insurance company how many discounts you can get. All car insurance discounts may not be available in Omaha. To locate insurance companies with the best discounts in Omaha, click this link.

Auto insurance can get complicated

When quoting and choosing coverage for your personal vehicles, there really is no single plan that fits everyone. Your needs are unique to you so this has to be addressed.Safe vehicles cost less to insure Here are some questions about coverages that might help in determining if your insurance needs would benefit from an agent's advice.

  • What discounts do I qualify for?
  • Should I pay a claim out-of-pocket?
  • Does my car insurance cover rental cars?
  • Should I have a commercial auto policy?
  • Should I buy full coverage?
  • How do I buy GAP insurance?
  • Am I covered if hit by an uninsured driver?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Do I have coverage if I rent a car in Mexico?

If it's difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It's fast, doesn't cost anything and can help protect your family.

How to find a good Omaha car insurance company

Ending up with a good quality car insurance company can be difficult considering how many different companies sell coverage in Nebraska. The ranking information below may help you pick which companies to look at when comparing rate quotes.

Top 10 Omaha Car Insurance Companies Ranked by Claims Service

  1. Progressive
  2. Travelers
  3. Liberty Mutual
  4. Nationwide
  5. USAA
  6. AAA Insurance
  7. GEICO
  8. Safeco Insurance
  9. Mercury Insurance
  10. Esurance

Top 10 Omaha Car Insurance Companies Ranked by Customer Satisfaction

  1. USAA - 92%
  2. American Family - 88%
  3. State Farm - 88%
  4. Nationwide - 88%
  5. 21st Century - 88%
  6. AAA Insurance - 87%
  7. Liberty Mutual - 87%
  8. Farmers Insurance - 87%
  9. The Hartford - 87%
  10. Progressive - 87%