Find Cheaper Ford Explorer Insurance in Sacramento

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Insurance rates Ford Explorer in SacramentoIf you want to find the absolute lowest rates, then the best way to get the cheapest Ford Explorer insurance is to do a yearly price comparison from different companies in Sacramento. Rates can be compared by completing these steps.

  1. Take a little time to learn about policy coverages and the measures you can control to lower rates. Many rating factors that cause rate increases such as speeding tickets, accidents and an imperfect credit score can be remedied by making lifestyle changes or driving safer. Continue reading for tips to get cheaper coverage and find overlooked discounts.
  2. Request price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only quote rates from one company like Progressive or State Farm, while agents who are independent can provide rate quotes from multiple insurance companies.
  3. Compare the new rate quotes to your existing rates to see if cheaper Explorer coverage is available in Sacramento. If you can save money and change companies, make sure there is no lapse between the expiration of your current policy and the new one.

One key aspect when comparing rates is to make sure you enter similar deductibles and liability limits on each price quote and to quote with as many auto insurance providers as possible. Doing this guarantees a fair price comparison and a complete selection of prices.

A recent study showed that a large majority of consumers have remained with the same car insurance company for a minimum of four years, and almost half have never compared rate quotes at all. Drivers in Sacramento could save almost $470 a year, but most undervalue the big savings they would realize if they switch to a new company.

The companies shown below provide price comparisons in Sacramento, CA. If you want cheap auto insurance in CA, it's highly recommended you visit two to three different companies to get the best price comparison.

Insurance coverage analysis

The information shown below highlights estimates of prices for Ford Explorer models. Being able to understand how insurance rates are calculated can help guide drivers when making smart choices when selecting a coverage provider.

Ford Explorer Insurance Rates in Sacramento, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $308 $470 $596 $36 $178 $1,588 $132
Explorer Eddie Bauer 2WD $308 $470 $596 $36 $178 $1,588 $132
Explorer XLT 4WD $308 $470 $596 $36 $178 $1,588 $132
Explorer XLT AWD $308 $470 $596 $36 $178 $1,588 $132
Explorer Eddie Bauer 4WD $348 $570 $596 $36 $178 $1,728 $144
Explorer Eddie Bauer AWD $348 $570 $596 $36 $178 $1,728 $144
Explorer Limited 2WD $348 $570 $596 $36 $178 $1,728 $144
Explorer Limited 4WD $348 $570 $596 $36 $178 $1,728 $144
Explorer Limited AWD $348 $570 $596 $36 $178 $1,728 $144
Get Your Own Custom Quote Go

Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Rates do not factor in vehicle location which can decrease or increase insurance rates considerably.

Higher deductibles lower rates

A question often asked by Sacramento drivers is how high or low should comp and collision deductibles be. The premium rates below can help illustrate the rate difference when you choose different insurance deductibles. The first set of prices uses a $250 deductible for comp and collision and the second price table uses a $500 deductible.

Ford Explorer insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $342 $472 $442 $26 $132 $1,439 $120
Explorer Eddie Bauer 2WD $342 $472 $442 $26 $132 $1,439 $120
Explorer XLT 4WD $342 $472 $442 $26 $132 $1,439 $120
Explorer XLT AWD $342 $472 $442 $26 $132 $1,439 $120
Explorer Eddie Bauer 4WD $386 $576 $442 $26 $132 $1,587 $132
Explorer Eddie Bauer AWD $386 $576 $442 $26 $132 $1,587 $132
Explorer Limited 2WD $386 $576 $442 $26 $132 $1,587 $132
Explorer Limited 4WD $386 $576 $442 $26 $132 $1,587 $132
Explorer Limited AWD $386 $576 $442 $26 $132 $1,587 $132
Get Your Own Custom Quote Go
Ford Explorer insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $278 $382 $442 $26 $132 $1,260 $105
Explorer Eddie Bauer 2WD $278 $382 $442 $26 $132 $1,260 $105
Explorer XLT 4WD $278 $382 $442 $26 $132 $1,260 $105
Explorer XLT AWD $278 $382 $442 $26 $132 $1,260 $105
Explorer Eddie Bauer 4WD $314 $464 $442 $26 $132 $1,378 $115
Explorer Eddie Bauer AWD $314 $464 $442 $26 $132 $1,378 $115
Explorer Limited 2WD $314 $464 $442 $26 $132 $1,378 $115
Explorer Limited 4WD $314 $464 $442 $26 $132 $1,378 $115
Explorer Limited AWD $314 $464 $442 $26 $132 $1,378 $115
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Premium costs do not factor in Sacramento location which can revise premiums significantly.

Based on these figures, using a $250 deductible costs roughly $16 more each month or $192 annually than selecting 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 tend to have more than 16 months between claim filings, you would more than likely save some money if you choose the higher deductible.

The diagram below highlights how deductible selection and can increase or decrease Ford Explorer premium costs for different age groups. The premiums are based on a single male driver, full physical damage coverage, and no discounts are taken into consideration.

Insurance just makes sense

Even though Sacramento Explorer insurance rates can get expensive, insurance is mandatory in California but it also protects more than you think.

  • Most states have minimum liability requirements which means state laws require a specific minimum amount of liability insurance coverage if you drive a vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
  • If you have a lien on your Explorer, most banks will have a requirement that you have full coverage to guarantee loan repayment. If you default on your policy, the lender may have to buy a policy to insure your Ford at an extremely high rate and force you to reimburse them the higher price.
  • Insurance protects both your assets and your vehicle. It also can pay for medical transport and hospital expenses for not only you but also any passengers injured in an accident. Liability coverage also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If your car is damaged in a storm or accident, comprehensive (other-than-collision) and collision coverage will pay all costs to repair after the deductible has been paid.

The benefits of insuring your Explorer definitely exceed the cost, particularly when you have a large claim. As of last year, the average driver in California is currently overpaying as much as $825 a year so it's recommended you shop around once a year at a minimum to ensure rates are inline.

Sacramento Insurance Prices are Influenced by These Factors

Lots of things are used when pricing auto insurance. Some are obvious like an MVR report, although some other factors are more transparent like your continuous coverage and annual miles driven.

The itemized list below are some of the items auto insurance companies consider when setting prices.

  • Car insurance liability coverage limits - A critical coverage on your policy, liability insurance kicks in if you are found to be at fault for personal injury or accident damage. Liability insurance provides legal defense which can be incredibly expensive. Liability is cheap compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Where you live factors in - Having an address in smaller towns and rural areas of the country can save you money if you are looking for the lowest rates. Drivers in populated areas tend to have traffic congestion and longer commute times. Less people corresponds to lower accident rates in addition to lower liability claims.
  • Older drivers are lower risk - Young drivers in California have been known to be inattentive and easily distracted when behind the wheel therefore auto insurance rates are much higher. If you've ever had to add a inexperienced driver onto your auto insurance can be quite pricey. Mature drivers are shown to be more cautious, tend to cause fewer accidents, and are generally more financially stable.

    The following chart assumes a single driver, full coverage with $500 deductibles, and no discounts or violations.

  • Avoid traffic tickets - Even one speeding ticket or other violation can increase the cost of insurance by as much as thirty percent. Good drivers receive lower rates than people who have multiple driving citations. People who have careless violations such as DUI or willful reckless driving may be required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to legally drive a vehicle.

    The chart below shows how violations and accidents can affect Ford Explorer premium costs for different age groups. The premium estimates are based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied to the premium.

  • Pleasure use saves money - The more miles you rack up on your Ford each year the more you will pay for auto insurance. A lot of insurance companies calculate prices based upon how the vehicle is primarily used. Cars and trucks that do not get driven very much qualify for better rates than cars that get driven a lot. An incorrectly rated Explorer may be wasting your money. Double check that your vehicle rating reflects annual mileage.
  • Insurance loss data for a Ford Explorer - Insurers use historical loss data to help set a rate to offset losses. Models that historically have higher claim amounts or frequency will cost more for specific coverages.

    The table shown below demonstrates the collected loss data for Ford Explorer vehicles. For each policy coverage, the loss probability for all vehicles compiled together is a value of 100. Numbers that are below 100 imply a favorable loss record, while numbers above 100 show a trend for more claims or an increased probability of a larger loss.

    Ford Explorer Insurance Claim Statistics
    Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Ford Explorer 4dr 2WD 80 90 79 75 70 82
    Ford Explorer 4dr 4WD 94 94 97 75 70 85
    BETTER
    AVERAGE
    WORSE

    Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Tailor your auto insurance coverage to you

When it comes to insurance from an agent or online, there really is not a one size fits all plan. You are unique.Drive safe and save

For instance, these questions may help highlight whether or not you may require specific advice.

  • Does coverage extend to my business vehicle?
  • Can I afford to buy a different vehicle if my Ford Explorer is totaled?
  • Does having multiple vehicles earn me a discount?
  • Can my babysitter drive my car?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Can I rate high risk drivers on liability-only vehicles?
  • At what point should I drop full coverage?
  • Is my camper covered by my car insurance policy?
  • Do I need to file an SR-22 for a DUI in California?

If you're not sure about those questions, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form. It is quick, free and can provide invaluable advice.

Persistence is the key to cheap rates

Discount Ford Explorer insurance in Sacramento is definitely available online and from local agencies, so get free Sacramento auto insurance quotes from both of them so you have a total pricing picture. Some insurance providers don't offer internet price quotes and these small, regional companies prefer to sell through local independent agencies.

We covered some good ideas how you can lower your Ford Explorer insurance premium rates in Sacramento. The key concept to understand is the more you quote Sacramento auto insurance, the higher your chance of finding low cost Sacramento auto insurance quotes. Drivers may even discover the biggest savings come from an unexpected company.

As you shop your coverage around, it's very important that you do not buy poor coverage just to save money. Too many times, an insured dropped full coverage and discovered at claim time that the small savings ended up costing them much more. Your goal is to get the best coverage possible at the best price, not the least amount of coverage.

To learn more, link through to the resources below: