Who Has the Cheapest Car Insurance Quotes for a Ford Escape in Bakersfield?

Buying competitive insurance for a Ford Escape is usually pretty straightforward, but it is dependent upon a pretty complex algorithm that uses a lot of factors such as how many years you have been driving, if you have a tendency to file claims, and citations on your driving record. Drivers in California will pay on average $776 a year for Escape insurance, but that price is a projection calculated using a 50-year-old married male driver with full coverage and $1,000 deductibles.

There’s a good chance you’re not a 50-year-old male, you might be single instead of married, and you need different coverage limits than the sample rates. Auto insurance is unique to each driver, so the only way to find cheap insurance rates for your Ford is to put in the effort to do a thorough rate comparison.

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The specific trim level will be a contributing factor to the cost of insurance, so the price you pay to insure a Escape XLS 2WD trim level will cost $76 less than the insurance cost for the more well-appointed Escape Limited 4WD trim level, as shown in the chart below.

Ford Escape Insurance Rates in Bakersfield, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Escape XLS 2WD $144 $252 $360 $22 $108 $886 $74
Escape XLS 4WD $144 $252 $360 $22 $108 $886 $74
Escape XLT 2WD $144 $252 $360 $22 $108 $886 $74
Escape Limited 2WD $164 $252 $360 $22 $108 $906 $76
Escape XLT 4WD $164 $252 $360 $22 $108 $906 $76
Escape Limited 4WD $164 $308 $360 $22 $108 $962 $80
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Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Rate quotes do not factor in garaging location in Bakersfield which can decrease or increase auto insurance rates greatly.

Buying coverage from the highest-rated car insurance company can be difficult considering how many choices there are in California. The company rank data listed below could help you pick which car insurance providers to look at when looking for cheaper rates.

These ratings include major nationwide insurance companies, so smaller regional companies are not included in this list. To check prices from the insurers below and more, simply click here.

Top 10 Large Auto Insurance Providers in Bakersfield Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA of Southern California – 92%
  4. AAA Insurance – 91%
  5. Nationwide – 90%
  6. State Farm – 90%
  7. The Hartford – 89%
  8. GEICO – 89%
  9. The General – 88%
  10. 21st Century – 88%

Top 10 Large Auto Insurance Providers in Bakersfield Ranked by Value

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

The information below shows how different deductible levels can impact insurance rates when searching for cheap insurance for a Ford Escape. The costs are based on a married female driver, full physical damage coverage, and no additional discounts are factored in.

As shown above, a 30-year-old driver could lower their policy premium by $366 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $554 by selecting a $1,000 deductible. Even younger insureds, like the age 20 example, could shave as much as $784 each year by selecting a higher deductible.

If you make the decision to raise deductibles, it is a good idea to have enough savings set aside to enable you to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

What aren’t you shopping around?

California insurance rates are calculated based on many things that control the cost of a policy. Simply getting older, buying a different vehicle, or getting a driving violation can cause premium changes resulting in some companies being more affordable than the competition.

Not only may your situation change, but insurers amend premium rates as needed to reflect underwriting profits or losses. An unexpected high level of claims can cause a rate increase, while a better loss history can produce lower-priced Escape insurance rates.

To illustrate this example, the chart below shows the companies that have the cheapest car insurance in Bakersfield, CA for a 45-year-old female driver with no prior claims, no tickets, and excellent credit. If we estimate rates based on her personal profile, USAA has the best car insurance rates in Bakersfield at $1,210 annually. This is $441 less than the average policy premium paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National are the remainder of the most affordable Bakersfield, CA auto insurance companies.

Now we will pretend the driver from the above example a claim or two, a lower credit score, and a speeding ticket. Since every insurance provider uses a different method for determining rates in each state, analyzing rates could now result in a new list of cheap Bakersfield auto insurance companies as shown below.

Mercury now has the best auto insurance rate in Bakersfield with Grange, Progressive, Allstate, and Allied completing the list. This example demonstrates why it is critical to perform a complete rate comparison when trying to get the cheapest auto insurance rates for a Ford Escape.

Auto insurance prices can be altered by many risk factors and can increase or decrease at any time, so the lowest-price company a year ago may now not even be in the top five.

The agents shown below are a good start to aid you in deciding which auto insurance policy would work best for you, as some drivers have questions and prefer to have the advice of a professional agent when comparing insurance rates for an Escape. It can be difficult to find the best coverage yourself, so agents can give comfort knowing your policy gives you adequate protection in case of an accident or claim. To find a Bakersfield insurance agency close to where you live, click the button at the bottom or click here to compare price quotes.

Paul Sheldon Insurance and Benefits Planning
5251 Office Park Dr #100Bakersfield, CA 93309(661) 398-2298

Farmers Insurance – James Burton Jr.
1309 S H StBakersfield, CA 93307(661) 836-1300

Tom Smethurst – State Farm Insurance Agent
13061 Rosedale Hwy aBakersfield, CA 93314(661) 589-1991

Allstate Insurance: Ana M. Arreola
6649 Ming AveBakersfield, CA 93309(661) 633-2633

Keith Stonebraker – State Farm Insurance Agent
4600 Ashe Rd #308Bakersfield, CA 93313(661) 664-9663

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