Finding the cheapest insurance for a Ford Explorer is pretty easy to do, but it relies on an enormous amount of factors such as how old the vehicle is, your address, and any driving offenses on your record. Drivers will pay on average $932 annually for Explorer insurance, but that cost is an estimate based upon a 50-year-old married male driver with full comprehensive and collision coverage and $1,000 deductibles.
It’s more than likely you are not 50 and maybe not even a male, you might be single instead of married, and maybe you want higher deductibles. There is no perfect policy for every driver, so the only real way to find affordable rates for your Ford is to compare rates from as many companies as possible. Price quotes are quick and you will receive prices from some of the best companies in California.
Vehicle trim level will most likely have an effect on the cost of insurance, so the price you pay to insure a Explorer XLT 2WD model will be $78 less than the cost to insure the high end Explorer Limited AWD model, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Explorer XLT 2WD||$164||$252||$424||$26||$126||$992||$83|
|Explorer Eddie Bauer 2WD||$164||$252||$424||$26||$126||$992||$83|
|Explorer XLT 4WD||$164||$252||$424||$26||$126||$992||$83|
|Explorer XLT AWD||$164||$252||$424||$26||$126||$992||$83|
|Explorer Eddie Bauer 4WD||$186||$308||$424||$26||$126||$1,070||$89|
|Explorer Eddie Bauer AWD||$186||$308||$424||$26||$126||$1,070||$89|
|Explorer Limited 2WD||$186||$308||$424||$26||$126||$1,070||$89|
|Explorer Limited 4WD||$186||$308||$424||$26||$126||$1,070||$89|
|Explorer Limited AWD||$186||$308||$424||$26||$126||$1,070||$89|
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Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Premium amounts do not factor in your specific Long Beach location which can lower or raise auto insurance rates substantially.
Finding out which companies quote the best auto insurance rates for a Ford Explorer takes a bit more effort in order to find a policy that fits your budget. Each company uses their own method to set policy rates, so we’ll take a look at the lowest cost auto insurance companies in California.
We do need to point out that Long Beach auto insurance rates are based on many factors which can substantially decrease or increase the cost of your policy. Turning one year older, buying another vehicle, or getting a ticket for running a stop sign may prompt premium changes that can cause some rates to be more affordable than before.
Best Insurance Companies for Your Explorer
|Rank||Company||Cost Per Year|
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USAA generally has some of the most affordable car insurance rates in Long Beach at around $1,155 each year. Century National, Wawanesa, Nationwide, and CSAA would also make the list of some of the cheapest Long Beach, CA auto insurance companies.
In this example, if you are insured with Nationwide and switched to Century National, you might achieve a yearly savings of roughly $35. California drivers with CSAA may save as much as $56 a year, and 21st Century insureds might lower prices by $147 a year.
To find cheaper insurance rates for your vehicle, click here to get quotes or click several companies below for low rates.
These premium estimates are averages across all drivers and vehicles and are not factoring in a vehicle location for a Ford Explorer. So the insurer that can offer you the lowest price may not even be in the top 24 companies in the list above. That emphasizes why you need to quote rates from many companies using your own individual information.
The example below demonstrates how choosing different deductibles can increase or decrease insurance premiums when trying to find cheap insurance for a Ford Explorer. The premiums assume a married female driver, full physical damage coverage, and no discounts are taken into consideration.
The data above shows that a 40-year-old driver could cut expenses by $314 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $478 by selecting a $1,000 deductible. Youthful drivers, like the 20-year-old category, could save $784 every year by using higher deductibles when buying full coverage.
When insureds make the decision to increase the deductibles on their policy, it is essential to have spare funds to enable you to pay the extra out-of-pocket expense that is associated with using high deductibles.
Get discount Long Beach car insurance
Car insurance companies that provide coverage for a Ford Explorer could also offer special discounts that can reduce rates by 35% or more if you can meet the requirements. A few of the larger companies and a selection of discounts are detailed below.
- Farm Bureau offers discounts including multi-policy, good student, youthful driver, 55 and retired, renewal discount, driver training, and multi-vehicle.
- Liberty Mutual offers premium reductions for multi-car, newly retired, exclusive group savings, new vehicle discount, preferred payment discount, and new graduate.
- State Farm may offer discounts for Drive Safe & Save, multiple autos, student away at school, defensive driving training, and anti-theft.
- Auto-Owners Insurance includes discounts for teen driver, company car, safe driver, mature driver, and air bags.
- GEICO has discounts for good student, seat belt use, federal employee, membership and employees, and daytime running lights.
- SAFECO may include discounts for safe driver, teen safe driver, anti-theft, homeowner, drive less, and multi-car.
The example below compares premium costs with and without discounts applied. The prices are based on a female driver, no claims or driving citations, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with passive restraint, vehicle safety, defensive driving course, anti-theft, accident-free, and marriage discounts applied. When taking advantage of discounts, the average amount saved each year on auto insurance for a Ford Explorer is 28% or $593.
How to find economical insurance for a Ford Explorer
It’s not impossible to find cheaper rates, and here are some of the better thrifty suggestions that can help you quote more affordable car insurance.
- Raise your deductibles
- Do not get tickets or violations
- Drop full coverage on older vehicles
- Avoid accidents
- Discounts for being claim-free can be substantial
- Shop around for lower rates once a year
That final tip is very crucial, as we hit on in this piece. Auto insurance rates in Long Beach fluctuate constantly, so you should be ready to switch to a new company if a cheaper price is available. Staying with the same car insurance company is fine, but it’s not a good idea if that inflexibility results in costing you lots of hard earned cash every month. It takes less than five minutes to compare rates to find cheaper car insurance for a Ford Explorer.
The agents below can most likely help you decide which insurance coverage will be best for you, since some people prefer to have some professional guidance when trying to find lower insurance rates for a Ford Explorer. It can be hard to find the best coverage on your own, and professional agents can give you satisfaction knowing your coverage gives you adequate coverage when you need it most. To find an auto insurance agency close to you, click the button at the bottom of the list.
Bob Lundstrom – State Farm Insurance Agent
3620 Long Beach Blvd, Ste A3 – Long Beach, CA 90807 – (562) 595-8333
Sonny Anderson – State Farm Insurance Agent
4166 Norse Way a – Long Beach, CA 90808 – (562) 429-1809
Allstate Insurance: Victoria L. Avery
4510 Pacific Coast Hwy #340 – Long Beach, CA 90804 – (562) 597-2371
Priscilla Vallejos Insurance Agency
2725 Candlewood St – Lakewood, CA 90712 – (562) 552-3259