Buying the best cheap insurance for a Ford Explorer in California can be pretty simple, but it relies on lots of different rating factors such as whether you use your Explorer for business use, your occupation, and any past driving violations you may have had. California drivers will pay around $1,414 per year for Explorer insurance, but that price is a valuation using a 40-year-old married male driver with full comprehensive and collision coverage and $100 deductibles.
When making auto insurance estimates, the issue arises that you’re not a 40-year-old male, possibly single instead of married, and you might want liability-only or different deductibles. Just a slight change in rating variables or coverage information may result in significant differences in the amount insurance costs for a Ford Explorer.
Every driver’s needs are different, and that is why the best method for finding cheap insurance rates for your Ford is to just take the time to compare rates yourself.
The specific model of Explorer will be a contributing factor to the cost of insurance, so the price you will be charged to insure a Explorer XLT 2WD trim level will cost $156 less than the cost to insure the more well-appointed Explorer Limited AWD version, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Explorer XLT 2WD||$346||$520||$456||$26||$136||$1,484||$124|
|Explorer Eddie Bauer 2WD||$346||$520||$456||$26||$136||$1,484||$124|
|Explorer XLT 4WD||$346||$520||$456||$26||$136||$1,484||$124|
|Explorer XLT AWD||$346||$520||$456||$26||$136||$1,484||$124|
|Explorer Eddie Bauer 4WD||$390||$632||$456||$26||$136||$1,640||$137|
|Explorer Eddie Bauer AWD||$390||$632||$456||$26||$136||$1,640||$137|
|Explorer Limited 2WD||$390||$632||$456||$26||$136||$1,640||$137|
|Explorer Limited 4WD||$390||$632||$456||$26||$136||$1,640||$137|
|Explorer Limited AWD||$390||$632||$456||$26||$136||$1,640||$137|
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Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Rate quotes do not factor in zip code location which can affect rates significantly.
Figuring out which company has the cheapest car insurance rates for a Ford Explorer calls for a bit more work than just comparing a company or two. Each auto insurance company uses their own calculation for determining rates in each state, so we will examine the car insurance companies that tend to be cheaper in Fresno.
It’s a good idea to know that California car insurance rates are impacted by many factors that may substantially change the cost of having a policy. Simply getting older, buying a home, or having a fender bender may prompt premium changes resulting in some rates now being more affordable than the competition.
Find the Cheapest Car Insurance for Your Explorer
|Rank||Company||Cost Per Year|
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USAA may have some of the most affordable car insurance rates in Fresno at around $1,143 per year. Wawanesa, Century National, CSAA, and Nationwide would also be considered some of the more affordable Fresno, CA car insurance companies.
As shown in the rates above, if you currently have coverage with Century National and switched to USAA, you may see savings of around $71. California drivers with CSAA may save as much as $91 a year, and Nationwide policyholders might realize rate reductions of up to $120 a year.
Understand that those premium estimates are averages for all ages of drivers and types of vehicles and are not factoring in a specific zip code for a Ford Explorer. So the car insurance company that has the cheapest rates for you may not even be in the top 24 companies shown above. That affirms the importance of why you need to get auto insurance quotes using your own driver information and specific vehicle type.
Full coverage rates vs. liability-only
Saving money when shopping for car insurance is probably important to the majority of vehicle owners, and one of the easiest ways to find cheap insurance for a Ford Explorer is to buy liability only. The illustration below illustrates the difference between premium costs when comparing full coverage to liability only. The rate quotes are based on no violations or claims, $250 deductibles, single status, and no discounts are applied to the premium.
As an average for all age groups, physical damage coverage costs $2,798 per year over liability only. A very common question is if buying full coverage is worth the expense. There is no exact rule to exclude physical damage insurance, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than about 10% of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s say your vehicle’s replacement cost is $6,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $5,000 after the policy deductible has been paid. If it’s costing in excess of $500 annually to have full coverage, then it might be time to consider dropping full coverage.
The chart below demonstrates how deductibles can impact insurance costs when quoting cheap insurance for a Ford Explorer. The data assumes a married male driver, full physical damage coverage, and no discounts are applied to the premium.
A 50-year-old driver could lower their policy premium by $382 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $578 by switching to a $1,000 deductible. Even younger insureds, like the 20-year-old example, could roll back prices up to $1,266 every year by choosing larger deductibles on their policy.
If you do decide to increase your deductibles, it is essential to have spare funds to enable you to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
How to find budget-friendly car insurance for a Ford Explorer
The list below details some of the better money-saving suggestions that can help Fresno drivers locate cheap car insurance.
- Increase your comprehensive and collision deductibles
- Keep your driving record clean
- Drivers with good credit often pay less
- Choose a safer vehicle and pay lower rates
- Avoid accidents and claims
- Shop around for cheaper rates regularly
The last suggestion is extraordinarily vital, as was noted in the article above. Coverage prices in Fresno vary greatly, so drivers shouldn’t be reluctant to switch to a new company if you can find a cheaper rate.
Being loyal to a particular company is commendable, but it isn’t a good idea if that devotion results in you overpaying lots of money. Now is a great time to compare rates and find cheaper auto insurance for a Ford Explorer.
If you like to have some professional guidance when comparing insurance rates for a Ford Explorer, the agents below can probably help you decide which car insurance policy is best.
To locate a Fresno insurance agent closest to you, click the button after the list.
7020 N Marks Ave #107 – Fresno, CA 93711 – (559) 353-3500
Farmers Insurance: Stephen Leonard
1390 N Wishon Ave – Fresno, CA 93728 – (559) 485-0413
Van Beurden Insurance Services, Inc.
7676 N Palm Ave #106 – Fresno, CA 93711 – (559) 436-6655
Agri-Center Insurance Inc
2650 W Shaw Ln – Fresno, CA 93711 – (559) 233-0123
7078 N Maple Ave # 106 – Fresno, CA 93720 – (559) 324-1421