Cheap Ford Explorer Insurance in Corpus Christi

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There isn't a single person who fancies paying their premiums for insurance, especially when they are paying too much.

Discount Ford Explorer insuranceIt's safe to assume that car insurance companies don't want policyholders to shop around. People who shop rates annually are highly likely to buy a different policy because there is a high probability of finding a policy with better rates. A recent insurance study revealed that drivers who compared rates annually saved about $72 a month compared to other drivers who never shopped around.

If saving money on Ford Explorer insurance is your ultimate target, knowing how to quote prices and compare coverage rates can help simplify the task of finding more affordable coverage.

Lots of auto insurance companies contend for your hard-earned dollar, so it can be very hard to choose a insurance company and uncover the absolute lowest rate possible on Ford Explorer insurance in Corpus Christi.

Educated Choices Result in Lower Insurance Premiums

Part of the car insurance buying process is learning some of the factors that aid in calculating the price you pay for car insurance. If you know what positively or negatively impacts your premiums, this enables informed choices that can earn you lower rates. Many factors are part of the equation when pricing auto insurance. Some factors are common sense like an MVR report, but others are more obscure like where you live or your commute time.

The itemized list below are a few of the "ingredients" used by insurance companies to determine your rates.

Car insurance rates and age - Drivers with little experience have a tendency to be inattentive and easily distracted when at the wheel of a vehicle and because of this, their car insurance rates are much higher. Having to add a youthful driver onto a policy can be very expensive. Older insureds are viewed as being more responsible, tend to cause fewer accidents, and receive fewer citations.

The data below assumes a single driver, full coverage with $1000 deductibles, and no discounts or violations.

Eliminate extra policy coverages - There are quite a few extra coverages you can purchase when buying car insurance. Insurance for rental car coverage, death and dismemberment, and additional equipment coverage may not be needed and are just wasting money. They may seem good when talking to your agent, but your needs may have changed so remove them and pocket the money.

Men pay higher rates - Statistics have proven that females take fewer risks when driving. However, this does not mean men are WORSE drivers than women. Both genders are in auto accidents in similar percentages, but men have costlier accidents. Men also get ticketed for serious violations like reckless driving and DUI. Youthful male drivers are the most expensive to insure so it costs more to insure them.

The diagram below illustrates the comparison of Ford Explorer insurance prices for male and female drivers. The rates are based on no claims or driving violations, full physical damage coverage, $100 deductibles, single status, and no discounts are applied.

Drive a fast vehicle and pay more - The make and model of the car, truck or SUV you are buying insurance for makes a significant difference in determining your rates. The best insurance prices will normally be found when insuring lower cost passenger cars, but the cost you end up paying is determined by many additional factors.

The next chart uses these assumptions: single female driver age 50, full coverage with $500 deductibles, and no discounts or violations. It compares Ford Explorer rates compared to other models that have different risk factors.

More than one policy can earn a discount - Lots of car insurance companies will give lower prices to insureds who have multiple policies with them such as combining an auto and homeowners policy. The discount can add up to 10 percent or more. Even if you're getting this discount it's still a good idea to check prices from other companies to ensure the best deal.

Five star NHTSA crash test rating saves money - Safe vehicles tend to have lower insurance rates. These vehicles reduce occupant injuries and any reduction in injury severity means less claims paid which can result in lower premiums. If your Ford earned at least an "acceptable" rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.

Ford Explorer insurance claim data - Insurers take into consideration historical loss data for every vehicle in order to profitably underwrite each model. Vehicles that the statistics show to have a trend towards higher claims will have higher rates for specific coverages. The table shown below demonstrates the historical loss data for Ford Explorer vehicles.

For each coverage type, the statistical loss for all vehicles, regardless of make, model or trim level, equals 100. Values that are under 100 suggest a positive loss record, while values that are above 100 point to more losses or an increased chance of a larger loss.

Ford Explorer Insurance Loss Statistics
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
BETTER
AVERAGE
WORSE

Statistics from IIHS.org for 2013-2015 Model Years

Ford Explorer detailed coverage information

The coverage information displayed below highlights detailed analysis of insurance coverage prices for Ford Explorer models. Having insight into how insurance policy rates are calculated can be valuable when making smart choices when buying a car insurance policy.

Ford Explorer Insurance Rates in Corpus Christi, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $282 $460 $496 $30 $148 $1,416 $118
Explorer Eddie Bauer 2WD $282 $460 $496 $30 $148 $1,416 $118
Explorer XLT 4WD $282 $460 $496 $30 $148 $1,416 $118
Explorer XLT AWD $282 $460 $496 $30 $148 $1,416 $118
Explorer Eddie Bauer 4WD $318 $560 $496 $30 $148 $1,552 $129
Explorer Eddie Bauer AWD $318 $560 $496 $30 $148 $1,552 $129
Explorer Limited 2WD $318 $560 $496 $30 $148 $1,552 $129
Explorer Limited 4WD $318 $560 $496 $30 $148 $1,552 $129
Explorer Limited AWD $318 $560 $496 $30 $148 $1,552 $129
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Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Table data does not factor in specific zip code location which can alter prices considerably.

Physical damage deductible comparison

When shopping for car insurance, a common question is how high or low should comp and collision deductibles be. The following tables can help show the rate fluctuation when you select higher and lower policy deductibles. The first set of rates uses a $100 deductible for comp and collision and the second data table uses a $1,000 deductible.

Ford Explorer insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $328 $486 $382 $22 $114 $1,357 $113
Explorer Eddie Bauer 2WD $328 $486 $382 $22 $114 $1,357 $113
Explorer XLT 4WD $328 $486 $382 $22 $114 $1,357 $113
Explorer XLT AWD $328 $486 $382 $22 $114 $1,357 $113
Explorer Eddie Bauer 4WD $370 $592 $382 $22 $114 $1,505 $125
Explorer Eddie Bauer AWD $370 $592 $382 $22 $114 $1,505 $125
Explorer Limited 2WD $370 $592 $382 $22 $114 $1,505 $125
Explorer Limited 4WD $370 $592 $382 $22 $114 $1,505 $125
Explorer Limited AWD $370 $592 $382 $22 $114 $1,505 $125
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Ford Explorer insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $182 $256 $382 $22 $114 $956 $80
Explorer Eddie Bauer 2WD $182 $256 $382 $22 $114 $956 $80
Explorer XLT 4WD $182 $256 $382 $22 $114 $956 $80
Explorer XLT AWD $182 $256 $382 $22 $114 $956 $80
Explorer Eddie Bauer 4WD $206 $312 $382 $22 $114 $1,036 $86
Explorer Eddie Bauer AWD $206 $312 $382 $22 $114 $1,036 $86
Explorer Limited 2WD $206 $312 $382 $22 $114 $1,036 $86
Explorer Limited 4WD $206 $312 $382 $22 $114 $1,036 $86
Explorer Limited AWD $206 $312 $382 $22 $114 $1,036 $86
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Prices do not factor in specific Corpus Christi garaging location which can decrease or increase premium rates substantially.

Based on the data above, we can derive that using a $100 deductible could cost the average driver approximately $37 more each month or $444 every year across all Ford Explorer models than choosing the higher $1,000 deductible. Since you would have to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to average more than 24 months between claim filings, you would probably be better off by selecting a higher deductible.

How to determine if raising deductibles makes sense

Average monthly premium for $100 deductibles: $120
Average monthly premium for $1,000 deductibles (subtract): - $83
Monthly savings from raising deductible: $37
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $37
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 24 months

An important thing to remember is that higher deductibles means you will have to pay more when you have a physical damage claim. You will want to have some extra funds in the event you have to pay the deductible.

Impact of speeding/accidents on car insurance rates

The diagram below highlights how traffic violations and accidents can drive up Ford Explorer insurance rates for each age group. The premiums are based on a married male driver, comp and collision included, $500 deductibles, and no other discounts are factored in.

Discounts mean cheaper rates for Ford Explorer insurance in Corpus Christi

Car insurance is expensive, but you might already qualify for some discounts that can dramatically reduce your bill. A few discounts will be applied at quote time, but some must be manually applied before you get the savings.Discount car insurance

  • Resident Student - Older children who live away from home at college and leave their car at home could get you a discount.
  • Driver Education Discount - Teen drivers should enroll in driver's education in school or through a local driver safety program.
  • Passive Restraints - Vehicles equipped with air bags or automatic seat belts can receive discounts of up to 25% or more.
  • Employee of Federal Government - Simply working for the federal government could provide a small rate reduction with certain companies.
  • Theft Prevention System - Cars, trucks, and SUVs with anti-theft systems prevent vehicle theft so companies will give you a small discount.
  • Multi-car Discount - Buying insurance for several vehicles with one company can reduce rates for all insured vehicles.
  • Safety Restraint Discount - Requiring all passengers to use their safety belts could save 15% on the medical payments or PIP coverage costs.

As a footnote on discounts, most of the big mark downs will not be given to the entire policy premium. A few only apply to specific coverage prices like physical damage coverage or medical payments. Just because it seems like having all the discounts means you get insurance for free, it doesn't quite work that way.

The diagram below shows the comparison of Ford Explorer auto insurance rates with and without discounts applied to the policy premium. The premium estimates are based on a male driver, no violations or accidents, Texas state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, safe-driver, multi-policy, multi-car, and marriage discounts applied.

If you would like to see a list of companies with the best Ford Explorer insurance discounts in Corpus Christi in Corpus Christi, click here to view.

How to find a good Texas car insurance company

Finding a high-quality car insurance provider can be difficult considering how many choices you have in Texas. The company ratings displayed below may help you select which auto insurers you want to consider to insure your vehicles.

Best Car Insurance Companies in Corpus Christi
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Insure.com Best Car Insurance Companies

Keep this in mind when shopping around

Insureds leave their current company for a variety of reasons including delays in paying claims, lack of trust in their agent, unfair underwriting practices or delays in responding to claim requests. Whatever your reason, finding a new insurance company is not as difficult as it may seem.

We just covered quite a bit of information on how to reduce Ford Explorer insurance premium rates online in Corpus Christi. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. Consumers could even find that the lowest premium rates are with some of the smallest insurance companies.

When searching for affordable Ford Explorer insurance quotes, never buy lower coverage limits just to save a few bucks. There have been many cases where consumers will sacrifice full coverage and learned later that the small savings ended up costing them much more. Your aim should be to purchase plenty of coverage at a price you can afford and still be able to protect your assets.

Steps to buying cheaper Ford Explorer insurance in Corpus Christi

If saving the most money is your goal, then the best way to find low-cost Ford Explorer insurance in Corpus Christi is to annually compare prices from companies who can sell car insurance in Texas. You can shop around by completing these steps.

  • Step 1: Get a basic knowledge of how insurance works and the things you can change to prevent expensive coverage. Many factors that are responsible for high rates like your driving record and a bad credit score can be eliminated by making minor changes in your lifestyle.
  • Step 2: Obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from one company like GEICO or State Farm, while independent agents can provide price quotes from multiple companies.
  • Step 3: Compare the quotes to your existing rates to see if a cheaper rate is available in Corpus Christi. If you can save some money and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.

A good tip to remember is to make sure you enter similar coverage information on each quote request and and to get rate quotes from as many car insurance companies as possible. This guarantees an apples-to-apples comparison and the best price quote selection.

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