If you want to save the most money, the best way to get the cheapest auto insurance rates is to compare prices once a year from providers in Pittsburgh.
Step 1: Try to learn a little about auto insurance and the measures you can take to prevent expensive coverage. Many rating criteria that are responsible for high rates like at-fault accidents and an imperfect credit score can be remedied by making minor driving habit or lifestyle changes.
Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can give quotes from one company like Progressive and State Farm, while agents who are independent can provide prices for a wide range of insurance providers.
Step 3: Compare the price quotes to your current policy and see if you can save money. If you can save money and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
An essential thing to point out is that you use the same coverage limits and deductibles on each quote request and and to get price quotes from as many car insurance companies as possible. Doing this helps ensure a fair price comparison and a thorough selection of prices.
It’s easy to assume that auto insurance companies want to keep you from comparing prices. People who shop around for the cheapest price are inclined to move their business because there is a high probability of finding a policy with better rates. A recent insurance study revealed that consumers who compared rates annually saved $72 a month compared to drivers who never compared other company’s rates.
If finding low prices for insurance is your goal, then having some knowledge of how to compare insurance can help make the process easier and more efficient.
Shop Ford Explorer insurance online
Finding a lower price on Ford Explorer insurance is pretty simple and can save money. All you need to do is take the time getting comparison quotes from some recommended companies.
The companies in the list below have been selected to offer quotes in Pennsylvania. To find cheap car insurance in PA, it’s a good idea that you visit several of them to get a more complete price comparison.
Ford Explorer insurance rate analysis
The premium table shown next outlines a range of insurance premium costs for Ford Explorer models. Understanding how premiums are calculated can help customers make decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Explorer XLT 2WD | $246 | $346 | $336 | $20 | $100 | $1,048 | $87 |
| Explorer Eddie Bauer 2WD | $246 | $346 | $336 | $20 | $100 | $1,048 | $87 |
| Explorer XLT 4WD | $246 | $346 | $336 | $20 | $100 | $1,048 | $87 |
| Explorer XLT AWD | $246 | $346 | $336 | $20 | $100 | $1,048 | $87 |
| Explorer Eddie Bauer 4WD | $278 | $420 | $336 | $20 | $100 | $1,154 | $96 |
| Explorer Eddie Bauer AWD | $278 | $420 | $336 | $20 | $100 | $1,154 | $96 |
| Explorer Limited 2WD | $278 | $420 | $336 | $20 | $100 | $1,154 | $96 |
| Explorer Limited 4WD | $278 | $420 | $336 | $20 | $100 | $1,154 | $96 |
| Explorer Limited AWD | $278 | $420 | $336 | $20 | $100 | $1,154 | $96 |
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Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Table data does not factor in specific location which can change premium rates significantly.
Ford Explorer insurance rates by gender in Pittsburgh
The illustration below shows the difference between Ford Explorer auto insurance rates for male and female drivers. The premium estimates are based on no tickets, no at-fault accidents, full coverage, $100 deductibles, marital status is single, and no discounts are taken into consideration.
How to Lower Your Insurance Costs
Many things are part of the equation when you get your auto insurance bill. Some are obvious like an MVR report, but some are less obvious such as your marital status and annual miles driven.
- Insure car and home with the same company – Many insurers will give lower prices for people who have multiple policies with them in the form of a multi-policy discount. Even if you qualify for this discount already, it’s still a good idea to compare other Pittsburgh Explorer insurance rates to make sure you are getting the best deal. It’s possible to still save more without the discount even if you have your coverage with different companies
- How do annual miles impact premiums? – The more you drive your Ford every year the more you’ll pay to insure it. A lot of insurance companies charge rates determined by how the vehicle is used. Autos left parked in the garage receive better premium rates compared to those used for work or business. Incorrect rating for your Explorer can result in significantly higher rates. Verify your policy properly reflects the correct usage.
- Marriage can save you money – Having a significant other may earn you lower rates on insurance. Having a significant other means you’re more mature and it’s proven that married drivers get in fewer accidents.
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Better drivers pay less – Whether or not you get tickets has a huge affect on how much you pay. Having just one moving violation can increase the cost of insurance substantially. Careful drivers pay less for auto insurance than bad drivers. Drivers who have received careless violations such as reckless driving or DUI may be required to complete a SR-22 with their state’s licensing department in order to prevent their license from being revoked.
The illustration below highlights how traffic violations and accident claims can raise Ford Explorer insurance costs for different ages of insureds. The data is based on a single male driver, full physical damage coverage, $250 deductibles, and no discounts are applied.
- Never allow your insurance to lapse – Driving without insurance coverage in place is a big no-no and your next policy will cost more because you let your insurance expire. And not only will insurance be more expensive, the inability to provide proof of insurance may earn you a steep fine or even jail time.
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Ford Explorer insurance loss data – Insurers use past loss statistics for each vehicle to calculate a price that will offset any claims. Models that the data determines to have increased claim numbers or amounts will be charged more to insure.
The next table illustrates the historical loss data for Ford Explorer vehicles. For each coverage type, the claim probability for all vehicles, as an average, is considered to be 100. Values below 100 are indicative of better than average losses, while values that are 100 or greater indicate frequent claims or an increased chance of larger losses than average.
Car Insurance Loss Data for Ford Explorer Models 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 BETTERAVERAGEWORSEData Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Here’s why insurance is not optional
Despite the potentially high cost of Ford Explorer insurance, insurance is required in Pennsylvania but it also protects you in many ways.
- Almost all states have minimum liability requirements which means you are required to carry a specific minimum amount of liability protection in order to be legal. In Pennsylvania 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, most banks will stipulate that you buy insurance to ensure loan repayment if the vehicle is totaled. If you let the policy lapse, the bank will be required to insure your Ford for a lot more money and require you to fork over a much higher amount than you were paying before.
- Insurance safeguards both your car and your personal assets. It also can pay for medical expenses that are the result of 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 you receive damage to your vehicle caused by a storm or accident, comprehensive (other-than-collision) and collision coverage will pay to restore your vehicle to like-new condition.
The benefits of buying enough insurance outweigh the cost, especially with large liability claims. But the average American driver is overpaying over $700 annually so you should quote rates at least once a year to ensure rates are competitive.