The easiest way to get affordable Ford Explorer insurance is to regularly compare price quotes from different companies in Fort Worth.
- Try to comprehend how your policy works and the modifications you can make to prevent rate increases. Many risk factors that result in higher prices like accidents, traffic tickets, and your credit history can be eliminated by making minor changes to your lifestyle. Keep reading for information to get affordable coverage and get bigger discounts that may have been overlooked.
- Get rate quotes from direct, independent, and exclusive agents. Direct and exclusive agents can provide rates from a single company like GEICO or Farmers Insurance, while independent agents can give you price quotes for many different companies.
- Compare the new quotes to the premium of your current policy to see if a cheaper price is available in Fort Worth. If you find better rates and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
- Give notification to your agent or company to cancel your current coverage and submit payment and a signed application to the new insurer. Be sure to store the certificate of insurance in an easily accessible location in your vehicle.
One thing to point out is to make sure you enter similar limits and deductibles on each price quote and and to analyze all possible companies. This ensures an apples-to-apples comparison and the best price selection.
Smart shoppers know that car insurance companies don’t want policyholders to shop around. Consumers who shop around for cheaper price quotes will most likely buy a new policy because there is a good probability of finding a policy with more affordable rates. Surprisingly, a recent survey revealed that drivers who regularly compared rates saved about $865 annually as compared to drivers who don’t regularly compare prices.
If saving money on Ford Explorer insurance in Fort Worth is your objective, then having some knowledge of the best way to shop and compare car insurance can help you succeed in finding affordable rates.
How much does Ford Explorer insurance in Fort Worth, Texas cost?
Most companies allow you to get insurance quotes online. This process is possible for anyone as you simply type in your coverage information into the quote form. Upon sending the form, their quoting system automatically retrieves your driving record and credit report and returns a price based on these and other factors.
Quoting online for Ford Explorer insurance in Fort Worth makes it easy to compare insurance prices and it’s necessary to do this if you want to find the best possible rates on auto insurance.
To compare pricing, compare rates from the companies below. If you have coverage now, it’s recommended you type in deductibles and limits as shown on your current policy. This way, you will be getting rate comparison quotes based on the exact same insurance coverage.
The car insurance companies shown below provide quotes in Texas. If the list has multiple companies, we suggest you get price quotes from several of them in order to get a fair rate comparison.
Don’t overlook these Ford Explorer insurance discounts
Car insurance can be pricey, but companies offer discounts that you may not even know about. Some discounts apply automatically when you get a quote, but a few must be inquired about prior to receiving the credit. If you’re not getting every credit possible, it’s possible you qualify for a lower rate.
- Own a Home and Save – Just owning your own home can save you money because maintaining a house is proof that your finances are in order.
- Drive Less and Save – Keeping the miles down on your Ford may allow you to get lower car insurance rates due to less chance of an accident.
- Seat Belts Save – Buckling up and requiring all passengers to fasten their seat belts can save 10% or more on medical payment and PIP coverage.
- Telematics Devices – Insureds that choose to allow driving data collection to study driving habits by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot might see lower rates if they are good drivers.
- Senior Citizen Rates – Drivers that qualify as senior citizens may receive reduced rates.
Discounts save money, but please remember that most discounts do not apply to the whole policy. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Even though it appears having all the discounts means you get insurance for free, nobody gets a free ride.
The example below visualizes the comparison of Ford Explorer insurance rates with and without discounts applied to the policy premium. The prices are based on a female driver, no accidents, no driving violations, Texas state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, homeowner, claim-free, multi-policy, and multi-car discounts applied.
To view insurers with discount car insurance rates in Texas, click here.
Rates and statistics
The premium information below showcases a range of insurance rates for Ford Explorer models. Having a good grasp of how policy rates are determined is important for making informed purchases.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Explorer XLT 2WD | $202 | $316 | $514 | $30 | $154 | $1,216 | $101 |
| Explorer Eddie Bauer 2WD | $202 | $316 | $514 | $30 | $154 | $1,216 | $101 |
| Explorer XLT 4WD | $202 | $316 | $514 | $30 | $154 | $1,216 | $101 |
| Explorer XLT AWD | $202 | $316 | $514 | $30 | $154 | $1,216 | $101 |
| Explorer Eddie Bauer 4WD | $228 | $384 | $514 | $30 | $154 | $1,310 | $109 |
| Explorer Eddie Bauer AWD | $228 | $384 | $514 | $30 | $154 | $1,310 | $109 |
| Explorer Limited 2WD | $228 | $384 | $514 | $30 | $154 | $1,310 | $109 |
| Explorer Limited 4WD | $228 | $384 | $514 | $30 | $154 | $1,310 | $109 |
| Explorer Limited AWD | $228 | $384 | $514 | $30 | $154 | $1,310 | $109 |
| Get Your Own Custom Quote Go | |||||||
Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Premium amounts do not factor in the specific area where the vehicle is garaged which can affect insurance rates considerably.
The example below highlights how deductible choice and can impact Ford Explorer insurance premiums for each age group. The data is based on a single male driver, comprehensive and collision coverage, and no discounts are taken into consideration.
Impact of violations and accidents on rates
The chart below illustrates how traffic citations and accident claims drive up Ford Explorer auto insurance rates for each different age category. The data assumes a single female driver, comp and collision included, $500 deductibles, and no discounts are applied.
Ford Explorer insurance rates: Men versus women
The illustration below illustrates the comparison of Ford Explorer premium costs for male and female drivers. The premiums assume no accidents, no driving violations, full coverage, $500 deductibles, single status, and no policy discounts are applied.
Should you buy full coverage?
The chart below illustrates the difference between Ford Explorer insurance costs with and without physical damage coverage. Data assumes no accidents or driving violations, $500 deductibles, drivers are single, and no discounts are applied.
When to drop full coverage
There isn’t a steadfast formula of when to eliminate physical damage coverage, but there is a general school of thought. If the annual cost of your full coverage insurance is 10% or more of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.
For example, let’s assume your Ford Explorer settlement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, you would only receive $6,000 after paying your policy deductible. If you are currently paying more than $600 annually for comprehensive and collision coverage, then it’s probably a good time to buy liability coverage only.
There are a few cases where eliminating full coverage is not advised. If you still have a loan on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should keep full coverage on your policy.
Four Things That Determine Your Insurance Premiums
Part of the auto insurance buying process is learning the factors that help calculate the rates you pay for auto insurance. If you know what determines premiums, this empowers consumers to make smart changes that may result in better auto insurance rates. Many factors are part of the equation when you quote your car insurance policy. Some are obvious like your driving record, but other factors are less obvious like where you live or how financially stable you are.
More than one policy can earn a discount – Some insurance companies afford discounts to people who have multiple policies with them such as combining an auto and homeowners policy. Discounts can be as much as ten percent or more Even with this discount, it’s still a good idea to compare other Fort Worth Explorer insurance rates to help ensure you have the lowest rates.
File policy claims and pay more – If you tend to file frequent claims, you shouldn’t be surprised to get higher rates. Auto insurance companies in Texas give most affordable rates to policyholders who do not file claims often. Your car insurance is designed for claims that you cannot pay yourself.
Do you really need roadside assistance? – There are a lot of optional add-on coverages that can add up on your auto insurance policy. Things like vanishing deductibles, towing, and term life insurance could be just wasting money. They may sound like good ideas when talking to your agent, but your money might be better spent on other coverage so remove them and pocket the money.
How credit rating affects auto insurance rates – Having a bad credit score is likely to be a major factor in calculating your auto insurance rates. Therefore, if your credit history could use some work, you could be paying less to insure your Ford Explorer by improving your credit score. People with excellent credit tend to file fewer claims as compared to drivers with poor credit.
Ford Explorer insurance claim data – Insurance companies factor in historical loss data to calculate a price that offsets possible losses. Vehicles that are shown to have higher loss trends will have higher premium rates. The table shown below demonstrates the compiled insurance loss statistics for Ford Explorer vehicles.
For each coverage category, the loss probability for all vehicles, without regard to make or model, is equal to 100. Numbers below 100 are indicative of better than average losses, while values over 100 indicate more frequent losses or larger claims.
| Specific Ford 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 |
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Shop online but buy locally
Some people just prefer to have an agent’s advice and that is a personal choice. The biggest benefit of comparing rate quotes online is you can get cheap rate quotes and also buy local.
To help locate an agent, after submitting this simple form, the quote information gets sent to local insurance agents who want to provide quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to drive around as quotes are delivered immediately to your email address. It’s the lowest rates and work with a local agent. If you want to quote rates from a specific insurance provider, you just need to navigate to their website to submit a rate quote request.
Selecting an company shouldn’t rely on just a cheap price. Any agent in Fort Worth should have no problem answering these questions:
- Does the company use OEM repair parts?
- If your car is in the repair shop, do you have coverage for a rental car?
- Will they take your side in the event of a claim?
- Is vehicle mileage a factor when determining depreciation for repairs?
- What is the financial rating for the quoted company?
- Which companies can they place coverage with?
Listed below is a list of car insurance companies in Fort Worth that can give you rate quotes for Ford Explorer insurance in Fort Worth.
- Ornelas Insurance Agency
5901 E Lancaster Ave – Fort Worth, TX 76112 – (817) 496-9111 – View Map - Jerry Yowell – State Farm Insurance Agent
4900 Overton Ridge Blvd Ste 211 – Fort Worth, TX 76132 – (817) 292-5775 – View Map - State Farm Insurance – Esmeralda Gutierrez
2219 W Berry St – Fort Worth, TX 76110 – (817) 923-2886 – View Map - Al Boenker Insurance Agency, Inc.
6030 Jacksboro Hwy – Fort Worth, TX 76135 – (817) 306-2300 – View Map
There’s no such thing as the perfect car insurance policy
When choosing proper insurance coverage, there really is not a one-size-fits-all type of policy. Every situation is different.
For instance, these questions may help you determine whether you would benefit from an agent’s advice.
- Are there any extra discounts I can get?
- When can I cancel my policy?
- Do I need special endorsements for business use of my vehicle?
- Is motorclub coverage worth it?
- Can I pay claims out-of-pocket if I buy high deductibles?
- What does PIP insurance cover?
If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form.
Keep this in mind when shopping around
When you buy Fort Worth car insurance online, never buy less coverage just to save a little money. There have been many situations where someone sacrificed physical damage coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The goal is to buy a smart amount of coverage at the best cost.
People leave their current company for a number of reasons such as delays in responding to claim requests, unfair underwriting practices, extreme rates for teen drivers and even not issuing a premium refund. It doesn’t matter why you want to switch choosing a new company is pretty simple and you could end up saving a buck or two.
You just learned a lot of tips how to shop for Ford Explorer insurance online. The most important thing to understand is the more quotes you get, the higher the chance of saving money. You may even discover the best price on auto insurance is with a small mutual company.
Additional resources
- Crash Avoidance Technologies FAQ (iihs.org)
- Who Has the Cheapest Auto Insurance Rates for High Risk Drivers in Fort Worth? (FAQ)
- Who Has the Cheapest Auto Insurance for Uber Drivers in Fort Worth? (FAQ)
- Auto Insurance 101 (About.com)
- Coverage Information (Progressive Insurance)
- New head restraint design cuts injuries (Insurance Institute for Highway Safety)