Anyone knows that car insurance companies don’t want policyholders to compare prices from other companies. People who shop around annually will most likely switch auto insurance companies because there is a good chance of finding lower rate quotes. A recent study showed that people who routinely compared rates saved $865 a year compared to drivers who never shopped around.
If finding the cheapest rates on insurance in San Francisco is your target objective, then understanding how to find companies and compare coverage rates can help simplify the process.
If saving money is your primary concern, then the best way to quote cheaper Ford Explorer insurance in San Francisco is to compare quotes once a year from insurers who sell insurance in California. You can compare rates by completing these steps.
- Gain an understanding of what is in your policy and the modifications you can make to prevent high rates. Many risk factors that increase rates like speeding tickets, careless driving and a bad credit rating can be rectified by making minor changes to your lifestyle.
- Compare prices from direct, independent, and exclusive agents. Direct and exclusive agents can only provide price estimates from one company like Progressive or State Farm, while independent agents can give you price quotes from many different companies. Start a quote
- Compare the new rate quotes to your current policy premium to see if cheaper Explorer coverage is available in San Francisco. If you find a lower rate and buy the policy, make sure coverage is continuous and does not lapse.
- Notify your company or agent to cancel the current policy and submit a down payment along with a completed application to the new company. Once coverage is bound, put the proof of insurance paperwork in an easily accessible location.
One key aspect of rate comparisons is to use identical coverages on each quote request and and to get price quotes from as many companies as possible. This helps ensure the most accurate price comparison and a complete selection of prices.
If you are already insured, you should be able to find the best rates using this information. Quoting and buying affordable insurance coverage in San Francisco is not as hard as you may think. Nevertheless, California consumers can benefit from knowing how big insurance companies market on the web and use it to find better rates.
The quickest way to get rate comparisons for Ford Explorer insurance in San Francisco is to know the trick most of the larger companies participate in a system to provide you with free rate quotes. The one thing you need to do is give the companies some data like if the vehicle is leased, whether the vehicles are used for commuting, what your job is, and driver details. Your information is sent automatically to multiple companies and you get price estimates instantly to find the best rate.
To compare multiple company cheap Ford Explorer insurance rates now, click here and enter your zip code.
The companies shown below are our best choices to provide price comparisons in San Francisco, CA. If multiple companies are listed, we recommend you get prices from several of them to get a more complete price comparison.
Analysis of Ford Explorer rates
The coverage table displayed next covers detailed analysis of insurance rates for Ford Explorer models. Learning how policy premiums are figured can be useful when making smart policy decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Explorer XLT 2WD | $326 | $582 | $500 | $30 | $150 | $1,588 | $132 |
| Explorer Eddie Bauer 2WD | $326 | $582 | $500 | $30 | $150 | $1,588 | $132 |
| Explorer XLT 4WD | $326 | $582 | $500 | $30 | $150 | $1,588 | $132 |
| Explorer XLT AWD | $326 | $582 | $500 | $30 | $150 | $1,588 | $132 |
| Explorer Eddie Bauer 4WD | $370 | $708 | $500 | $30 | $150 | $1,758 | $147 |
| Explorer Eddie Bauer AWD | $370 | $708 | $500 | $30 | $150 | $1,758 | $147 |
| Explorer Limited 2WD | $370 | $708 | $500 | $30 | $150 | $1,758 | $147 |
| Explorer Limited 4WD | $370 | $708 | $500 | $30 | $150 | $1,758 | $147 |
| Explorer Limited AWD | $370 | $708 | $500 | $30 | $150 | $1,758 | $147 |
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Prices do not factor in vehicle garaging location which can affect premium rates considerably.
The example below demonstrates how deductibles and can influence Ford Explorer insurance rates for each age group. The premiums assume a single male driver, full physical damage coverage, and no discounts are taken into consideration.
Car insurance is not optional but you don’t have to overpay
Even though it can be expensive, insuring your vehicle serves an important purpose.
- The majority of states have compulsory liability insurance requirements which means the state requires specific limits of liability insurance coverage in order to be legal. 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 loan on your vehicle, almost every bank will require you to have physical damage coverage to ensure the loan is repaid in case of a total loss. If you do not pay your insurance premiums, the bank may buy a policy for your Ford at a much higher premium rate and force you to pay the higher price.
- Car insurance protects both your assets and your vehicle. It will also reimburse you for most medical and hospital costs for not only you but also any passengers injured in an accident. One of the most valuable coverages, liability insurance, also pays expenses related to your legal defense if you are sued as the result of an accident. If your car is damaged in a storm or accident, collision and comprehensive coverages will cover the repair costs.
The benefits of insuring your Explorer definitely exceed the price paid, especially for larger claims. As of last year, the average driver in California is currently overpaying as much as $750 every year so compare rates at every renewal to save money.
Ford Explorer Insurance Cost Factors
An important part of buying insurance is that you know the rating factors that go into determining the level of your policy premiums. When you know what positively or negatively impacts premium levels, this allows you to make educated decisions that may result in big savings.
Listed below are some of the factors that factor into prices.
Single vs. married – Walking down the aisle may earn you lower rates compared to being single. Having a significant other means you’re more financially stable and statistics prove married drivers tend to file fewer claims.
Optional features that lower insurance rates – Buying a car with anti-theft technology or alarm system can help lower your premiums. Systems that thwart thieves such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping vehicle theft.
Drivers with high credit save – A driver’s credit history factor in calculating your insurance rates. If your credit rating is not that good, you could save money insuring your Ford Explorer by spending a little time repairing your credit. People that have very good credit scores tend to file fewer claims than drivers who have lower credit scores.
Annual miles is a factor – Driving more miles every year the more it will cost to insure it. Most companies price each vehicle’s coverage based upon how the vehicle is primarily used. Cars not used for work or commuting receive better premium rates than cars that get driven a lot. An incorrectly rated Explorer may be costing you. Double check that your insurance coverage is rated on the correct driver usage, because it can save money.
Insurance loss data for a Ford Explorer – Companies analyze historical claim data to calculate a rate that will offset losses. Vehicles that the statistics show to have higher claim amounts or frequency will have higher premium rates.
The table below shows the historical loss data for Ford Explorer vehicles. For each coverage type, the loss probability for all vehicles, regardless of manufacturer or model, is represented as 100. Numbers shown that are under 100 imply a favorable loss record, while values that are above 100 indicate higher probability of having a loss or an increased chance of a larger loss.
| Vehicle 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 |
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Find cheap rates by comparing often
When getting San Francisco auto insurance quotes online, make sure you don’t sacrifice coverage to reduce premiums. Too many times, drivers have reduced physical damage coverage only to regret at claim time that they should have had better coverage. Your aim should be to buy a smart amount of coverage for the lowest price while still protecting your assets.
Drivers leave their current company for a variety of reasons including denial of a claim, an unsatisfactory settlement offer, high rates after DUI convictions and unfair underwriting practices. Whatever your reason, finding a new company is easier than you think.
We just presented many ways to lower your Ford Explorer insurance rates in San Francisco. The most important thing to understand is the more price quotes you have, the better likelihood of getting the cheapest Ford Explorer rate quotes. You may even discover the lowest rates are with an unexpected company.
Other resources
- Cellphones, Texting and Driving (iihs.org)
- Who Has Affordable San Francisco Auto Insurance for a Ford F-150? (FAQ)
- How Much is Auto Insurance for First-time Drivers in San Francisco? (FAQ)
- What Auto Insurance is Cheapest for Drivers with Accidents in San Francisco? (FAQ)
- What Insurance is Cheapest for 4×4 Vehicles in San Francisco? (FAQ)
- Who Has Cheap San Francisco Auto Insurance for Hybrid Vehicles? (FAQ)
- Choosing an Insurance Company (Insurance Information Institute)
- Understanding Rental Car Insurance (Insurance Information Institute)
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)