Find Cheaper Ford Explorer Insurance in Fresno

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Ford Explorer insurance image courtesy of QuoteInspector.com

Insurance rates Ford Explorer in FresnoThe best way we recommend to get cheaper car insurance rates in Fresno is to annually compare prices from companies in California.

Step 1: Take a few minutes and learn about how auto insurance works and the steps you can take to prevent high rates. Many things that cause rate increases like at-fault accidents and a poor credit rating can be eliminated by making minor driving habit or lifestyle changes.

Step 2: Compare prices from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give prices from a single company like Progressive or State Farm, while independent agencies can quote rates from multiple companies.

Step 3: Compare the new rate quotes to your existing coverage to determine if switching companies saves money. If you find a lower rate and switch companies, make sure there is no lapse in coverage.

Step 4: Notify your agent or company to cancel your current car insurance policy. Submit a completed policy application and payment to your new carrier. Make sure you store the proof of insurance paperwork in an easily accessible location in your vehicle.

The key thing to remember is to try to use identical limits and deductibles on each quote request and and to get rate quotes from as many companies as you can. This helps ensure a fair rate comparison and a thorough price selection.

Amazingly, a recent NerdWallet.com study showed that a large majority of consumers have remained with the same insurance company for four years or more, and virtually 40% of consumers have never shopped around. With the average insurance premium being $1,387, Fresno drivers could save $469 each year by just comparing quotes, but they underestimate how much money they would save if they switched to a more affordable policy.

Locating the most cost-effective auto insurance policy in Fresno can be much easier if you know how to start. If you are already insured, you will be able to reduce premiums using this information. But California drivers must learn how big insurance companies determine how much to charge and apply this information to your search.

Keep in mind that comparing a large number of companies helps improve the odds of finding lower pricing. Some regional insurers cannot provide price estimates online, so it's important to compare price quotes from them as well.

The companies in the list below provide price comparisons in Fresno, CA. If you want cheap car insurance in Fresno, CA, we suggest you visit as many as you can to get the most competitive price.

Cheap Ford Explorer insurance in Fresno

Car insurance companies do not list every available discount in a way that's easy to find, so the following is a list of some of the more common and the more hidden discounts that you may qualify for.Cheaper insurance with discounts

  • Seat Belts Save more than Lives - Forcing all vehicle occupants to use their safety belts could cut 10% or more on the premium charged for medical payments and/or PIP.
  • Discount for Passive Restraints - Factory air bags can receive discounts as much as 30%.
  • Driver Safety - Passing a course teaching defensive driver skills can save you 5% or more and easily pay for the cost of the class.
  • Fresno Homeowners Discount - Owning a house in Fresno can earn you a little savings due to the fact that maintaining a home requires a higher level of personal finance.
  • Payment Method - By making one initial payment as opposed to paying monthly you could save up to 5%.

You should keep in mind that some of the credits will not apply the whole policy. A few only apply to the price of certain insurance coverages like comp or med pay. Even though it appears you can get free auto insurance, companies don't profit that way.

The illustration below compares Ford Explorer insurance costs with and without discounts applied to the rates. The rates are based on a male driver, no driving violations, no at-fault accidents, California state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, multi-policy, homeowner, marriage, and safe-driver discounts applied.

Large insurance companies and their possible discounts include:

  • GEICO has discounts for seat belt use, military active duty, multi-policy, air bags, multi-vehicle, good student, and federal employee.
  • MetLife includes discounts for multi-policy, good student, accident-free, claim-free, and defensive driver.
  • State Farm has savings for driver's education, good driver, multiple policy, student away at school, and passive restraint.
  • Progressive may have discounts that include homeowner, multi-vehicle, online quote discount, multi-policy, online signing, continuous coverage, and good student.
  • Mercury Insurance offers premium reductions for age of vehicle, professional/association, type of vehicle, low natural disaster claims, anti-theft, and good student.
  • 21st Century policyholders can earn discounts including early bird, driver training, air bags, student driver, good student, and anti-lock brakes.
  • Allstate may offer discounts for safe driver, resident student, 55 and retired, economy car, defensive driver, and eSmart discount.

It's a good idea to ask each company which credits you are entitled to. All car insurance discounts may not apply to policyholders everywhere. If you would like to see a list of insurance companies with significant discounts in California, click here.

Facts and figures for Ford Explorer insurance

The coverage table displayed below highlights estimates of coverage prices for Ford Explorer models. Having a better understanding of how auto insurance policy rates are figured is important for you to make smart choices when selecting a coverage provider.

Ford Explorer Insurance Rates in Fresno, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $434 $564 $578 $34 $174 $1,784 $149
Explorer Eddie Bauer 2WD $434 $564 $578 $34 $174 $1,784 $149
Explorer XLT 4WD $434 $564 $578 $34 $174 $1,784 $149
Explorer XLT AWD $434 $564 $578 $34 $174 $1,784 $149
Explorer Eddie Bauer 4WD $490 $686 $578 $34 $174 $1,962 $164
Explorer Eddie Bauer AWD $490 $686 $578 $34 $174 $1,962 $164
Explorer Limited 2WD $490 $686 $578 $34 $174 $1,962 $164
Explorer Limited 4WD $490 $686 $578 $34 $174 $1,962 $164
Explorer Limited AWD $490 $686 $578 $34 $174 $1,962 $164
Get Your Own Custom Quote Go

Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Premium amounts do not factor in the specific area where the vehicle is garaged which can increase or decrease premium rates substantially.

How high should deductibles be?

When buying insurance, a common question is the level to set your comp and collision deductibles. The figures shown below can help illustrate the premium difference of buying low and high insurance deductibles. The first rate table uses a $250 deductible for comprehensive and collision coverage and the second set of prices 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

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Price information does not factor in the specific area where the vehicle is garaged which can decrease or increase prices substantially.

Based on the figures above, using a $250 deductible will cost in the ballpark of $16 more each month or $192 every year than requesting the higher $500 deductible. Because you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you average at a minimum 16 months between claims, you would more than likely save some money if you opt for a higher deductible.

How to determine when to raise your deductibles

Average monthly premium for $250 deductibles: $127
Average monthly premium for $500 deductibles (subtract): - $111
Monthly savings from raising deductible: $16
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $16
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

How violations and accidents impact rates

The illustration below illustrates how speeding tickets and at-fault claims can influence Ford Explorer car insurance costs for different age groups. The rate quotes are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.

Male drivers versus female drivers

The chart below visualizes the comparison of Ford Explorer insurance costs for male and female drivers. The price estimates are based on no tickets, no at-fault accidents, comprehensive and collision coverage, $1,000 deductibles, single status, and no discounts are taken into consideration.

Full coverage or liability only

The example below illustrates the difference between Ford Explorer annual premium costs when comparing full coverage to state minimum liability only. The prices are based on no claims or driving violations, $100 deductibles, single status, and no discounts are applied.

When to drop comprehensive and collision coverage

There isn't a written rule of when to exclude physical damage coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is more than around 10% of the vehicle's replacement cost less your deductible, then you might want to consider buying only liability coverage.

For example, let's say your Ford Explorer replacement cost is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $5,000 after paying the physical damage deductible. If it's costing in excess of $500 a year to have full coverage, then it could be time to drop full coverage.

There are some cases where dropping full coverage is not recommended. If you have an outstanding loan on your vehicle, you are required to maintain full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should keep full coverage in place.

How Insurance Companies Determine Ford Explorer Insurance Premiums

Many different elements are taken into consideration when quoting car insurance. Some factors are common sense such as traffic violations, but other factors are less apparent such as your credit history or how financially stable you are. Consumers need to have an understanding of a few of the rating criteria that go into determining your policy premiums. If you understand what impacts premium levels, this empowers consumers to make smart changes that could result in much lower annual insurance costs.

  • Vehicle options that lower prices - Buying a car with advanced anti-theft systems can help lower your rates. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your car from being stolen.
  • Adjust comp and collision deductibles and save - Your deductibles represent how much money you are willing to pay out-of-pocket in the event of a claim. Protection for physical damage, aka comp and collision, covers damage that occurs to your car. Some examples of covered claims would be colliding with a stationary object, damage caused by hail, or theft of your vehicle. The more you pay before a claim is paid (deductible), the better rate you will receive.
  • Only buy coverage you need - Policies have add-on coverages that sound like a good idea at the time when buying car insurance. Things like coverage for rental cars, better glass coverage, and Farm Bureau memberships could be just wasting money. These may sound like a good investment initially, but if you don't need them remove them from your policy.
  • Keep claims to a minimum - Companies in California award lower rates to drivers who do not rely on their insurance for small claims. If you frequently file small claims, you can expect higher premiums or even policy non-renewal. Your insurance policy is meant to be used in the event of claims that you cannot pay yourself.
  • Fast cars cost more to insure - The type of car you are trying to find cheaper insurance for makes a substantial difference in your premium level. The cheapest rates are usually for small economy passenger models, but the cost you end up paying is determined by many additional factors.

    The next chart uses these variables: married female driver age 30, full coverage with $1000 deductibles, and no discounts or violations. The chart compares Ford Explorer insurance rates compared to other vehicles that have different performance risks.

  • Ford Explorer insurance loss data - Insurance companies factor in historical loss data to help determine rates. Vehicles that tend to have higher claim frequency or loss amount will have increased rates.

    The table below illustrates the loss history for Ford Explorer vehicles. For each policy coverage, the claim amount for all vehicles averaged together is considered to be 100. Values that are under 100 suggest losses that are better than average, while values that are above 100 show a trend for more claims or an increased chance of larger losses than average.

    Insurance Loss Ratings for Ford Explorer Vehicles
    Vehicle 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

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

Compare prices but buy from a neighborhood Fresno auto insurance agent

Certain consumers would prefer to sit down with an agent and that is not a bad decision The biggest benefit of getting free rate quotes online is that drivers can save money and get lower rates and still buy from a local agent.

Fresno insurance agentsBy using this form (opens in new window), the coverage information is instantly submitted to local insurance agents who will give you quotes for your auto insurance coverage. You don't have to even leave your home because prices are sent directly to you. You can find lower rates and a licensed agent to talk to. If for some reason you want to get a rate quote from one company in particular, you would need to search and find their rate quote page and fill out the quote form the provide.

Deciding on an provider should include more criteria than just a cheap price quote. Get answers to these questions too.

  • Is there a Errors and Omissions policy in force?
  • Which insurance companies are they affiliated with?
  • Will the agent help in case of a claim?
  • If you have an accident, will your rates go up?
  • Is there a 24/7 contact number?
  • Do you have coverage for a rental car if your vehicle is in the repair shop?

Do you need an independent or exclusive auto insurance agent?

If you are wanting to purchase auto insurance from a local agent, it's helpful to know the different types of agencies and how they are slightly different. Auto insurance policy providers are categorized either exclusive agents or independent agents.

Exclusive Agencies

Agents that elect to be exclusive can only provide one company's prices and some examples include American Family, State Farm, and AAA. They generally cannot compare rates from other companies so you might not find the best rates. They receive a lot of sales training on what they offer which helps offset the inability to provide other markets.

Shown below are Fresno exclusive insurance agencies who can help you get rate quotes.

Kathryn Dosher - State Farm Insurance Agent
125 E Barstow Ave #113 - Fresno, CA 93710 - (559) 221-6165 - View Map


4270 N Blackstone Ave #201 - Fresno, CA 93726 - (559) 222-5278 - View Map


7089 N Marks Ave #105 - Fresno, CA 93711 - (559) 432-6392 - View Map

More insurance agents

Independent Auto Insurance Agencies

Agents that choose to be independent can quote rates with many companies and that allows them to write policies with multiple insurance companies and find the cheapest auto insurance rates. To transfer your coverage to a different company, they simply move the coverage in-house and you don't have to do anything. When comparison shopping, you need to get several quotes from at a minimum one independent agency in order to compare the most rates.

Shown below are Fresno independent insurance agencies that can give you comparison quotes.

California A1 Stars Insurance Solutions
1589 W Shaw Ave #13 - Fresno, CA 93711 - (559) 412-2957 - View Map


7543 N Ingram Ave #105 - Fresno, CA 93711 - (559) 244-6644 - View Map


3039 W Ashlan Ave - Fresno, CA 93726 - (559) 244-6644 - View Map

More insurance agents

Don't give up on cheaper rates

When you buy Fresno car insurance online, it's not a good idea to buy less coverage just to save a little money. In too many instances, someone sacrificed uninsured motorist or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your objective should be to buy enough coverage for the lowest price, not the least amount of coverage.

Cheaper Ford Explorer insurance in Fresno is attainable on the web as well as from insurance agents, so you should compare both to have the best selection. Some insurance companies may not provide internet price quotes and these smaller companies sell through independent insurance agencies.

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