Compare Ford Explorer Insurance Rate Quotes in Dallas

Insurance rates Ford Explorer in DallasAre you tired of overpaying and want cheaper Ford Explorer insurance in Dallas? Searching for cheaper insurance for a new or used Ford Explorer in Texas can turn out to be an all-consuming task, but you can use our car insurance buying tips to save time.

There is a better way to compare car insurance rates so we’re going to tell you the best way to quote coverages for your Ford and locate the cheapest rates from Dallas insurance agents and online providers.

Smart consumers take time to compare prices before your policy renews because car insurance prices are rarely the same from one policy term to another. Even if you got the best rates on Ford Explorer insurance in Dallas last year you can probably find a lower rate today. Forget all the misinformation about car insurance because we’re going to show you the only way to remove unneeded coverages and save money.

If you already have coverage or just want cheaper rates, you can use these techniques to reduce premiums and still get good coverage. Quoting and comparing rates for more affordable insurance coverage in Dallas is not that difficult. Smart buyers just have to use the most time-saving way to compare different rates over the internet.

How Insurers Determine Ford Explorer Insurance Premiums

One of the most helpful ways to save on insurance is to to have a grasp of the different types of things that help determine your policy premiums. If you understand what controls the rates you pay, this empowers consumers to make smart changes that could help you find lower insurance prices.

City dwellers may pay more – Choosing to live in less populated areas can save you money if you are looking for the lowest rates. Fewer drivers and short commutes means a lower chance of having an accident in addition to lower liability claims. Urban drivers tend to have much more traffic and more time behind the wheel. The longer drive time translates into higher accident risk.

Lower rates with a multi-policy discount – The majority of insurance companies apply a discount to clients that have more than one policy such as combining an auto and homeowners policy. Even if you qualify for this discount already, consumers should still comparison shop to confirm you are receiving the best rates possible.

Reduce insurance rates by driving cars with good safety ratings – Vehicles with high crash test scores tend to have lower insurance rates. Vehicles built for safety result in less severe injuries and lower rates of occupant injuries means less money paid by your insurance company which can result in lower premiums. If your Ford Explorer has at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.

Do you know your coverage deductibles? – Comp and collision deductibles represent how much money the insured will be required to pay if a claim is determined to be covered. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some coverage claims are collision with another vehicle, hail damage, or theft of your vehicle. The higher the amount you choose to pay out-of-pocket, the better rate you will receive.

Teenage drivers cost more – Older, more experienced drivers are proven to be safer behind the wheel, tend to file fewer claims, and receive fewer citations. Drivers with little experience are statistically shown to be more careless when driving with friends and because of this, their insurance rates are much higher.

The data below is based on a single driver, full coverage with $500 deductibles, and no discounts or violations.

Rental and towing coverage may not be needed – There are a lot of additional coverages that sound like a good idea at the time if you aren’t careful. Things like roadside assistance, high-cost glass coverage, and membership fees may be costing you every month. They may seem good at first, but if you have no use for them get rid of them and save.

Insurance loss data for a Ford Explorer – Insurers take into consideration insurance loss statistics for every vehicle to help determine prices. Models that the data shows to have a trend towards higher claims will have higher rates.

The table below shows the collected loss data for Ford Explorer vehicles. For each coverage category, the statistical loss for all vehicles, as an average, is represented as 100. Values that are below 100 suggest losses that are better than average, while percentage numbers above 100 indicate frequent claims or tendency to have larger claims.

Auto 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

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Detailed insurance information

The premium table displayed below highlights detailed analysis of insurance premium costs for Ford Explorer models. Understanding how auto insurance prices are figured can help you make decisions on which insurance to purchase.

Ford Explorer Insurance Rates in Dallas, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $254 $400 $400 $24 $120 $1,198 $100
Explorer Eddie Bauer 2WD $254 $400 $400 $24 $120 $1,198 $100
Explorer XLT 4WD $254 $400 $400 $24 $120 $1,198 $100
Explorer XLT AWD $254 $400 $400 $24 $120 $1,198 $100
Explorer Eddie Bauer 4WD $286 $486 $400 $24 $120 $1,316 $110
Explorer Eddie Bauer AWD $286 $486 $400 $24 $120 $1,316 $110
Explorer Limited 2WD $286 $486 $400 $24 $120 $1,316 $110
Explorer Limited 4WD $286 $486 $400 $24 $120 $1,316 $110
Explorer Limited AWD $286 $486 $400 $24 $120 $1,316 $110
Get Your Own Custom Quote Go

Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Premium costs do not factor in vehicle garaging location which can alter price quotes substantially.

Policy deductibles

When buying insurance, a common question is where to set your physical damage deductibles. The tables below show the cost difference between high and low deductibles. The first rate quote example uses a $100 physical damage deductible and the second price grid uses a $500 deductible.

Ford Explorer insurance premium rates 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
Get Your Own Custom Quote Go

Ford Explorer insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $240 $328 $382 $22 $114 $1,086 $91
Explorer Eddie Bauer 2WD $240 $328 $382 $22 $114 $1,086 $91
Explorer XLT 4WD $240 $328 $382 $22 $114 $1,086 $91
Explorer XLT AWD $240 $328 $382 $22 $114 $1,086 $91
Explorer Eddie Bauer 4WD $270 $400 $382 $22 $114 $1,188 $99
Explorer Eddie Bauer AWD $270 $400 $382 $22 $114 $1,188 $99
Explorer Limited 2WD $270 $400 $382 $22 $114 $1,188 $99
Explorer Limited 4WD $270 $400 $382 $22 $114 $1,188 $99
Explorer Limited AWD $270 $400 $382 $22 $114 $1,188 $99
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Information does not factor in specific garaging location which can change coverage prices noticeably.

We can derive from the above data that using a $100 deductible costs about $25 more each month or $300 each year averaged for all Explorer models than buying the higher $500 deductible. Since you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you tend to average at least 16 months between claims, you would probably be better off if you elect the higher deductible.

The information below shows how choosing a deductible and can influence Ford Explorer insurance rates for different age categories. The data assumes a single male driver, full coverage, and no additional discounts are factored in.

Safe drivers Dallas pay cheaper rates

The example below illustrates how traffic citations and at-fault claims can impact Ford Explorer yearly insurance costs for different age groups. The price estimates are based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no additional discounts are factored in.

Ford Explorer liability-only versus full coverage

The example below visualizes the comparison of Ford Explorer yearly insurance costs with full physical damage coverage compared to only buying liability only. The rates are based on a clean driving record, no at-fault accidents, $1,000 deductibles, drivers are single, and no discounts are factored in.

Deciding between full coverage and liability only

There is no exact formula to drop physical damage insurance, but there is a general convention. If the yearly cost of comp and collision coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.

For example, let’s assume your Ford Explorer book value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, you would only receive $2,000 after paying your policy deductible. If you are paying more than $200 a year to have full coverage, then it may be the right time to buy liability only.

There are some scenarios where only buying liability is not a good idea. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not remove full coverage.

Lower rates by qualifying for discounts

Companies that sell car insurance do not advertise every discount available in an easy-to-find place, so the following list contains some of the best known as well as the least known credits available to you. If you do not check that you are getting every discount you qualify for, you could be paying more than you need to.Discount auto insurance

A quick disclaimer, most discounts do not apply to all coverage premiums. Some only reduce specific coverage prices like collision or personal injury protection. So even though you would think you would end up receiving a 100% discount, that’s just not realistic. Any qualifying discounts should help lower the premium cost.

The information below illustrates the difference between Ford Explorer insurance prices with and without discounts applied to the rates. Data assumes a male driver, no violations or claims, Texas state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, safe-driver, claim-free, multi-car, and homeowner discounts applied.

Car insurance companies that may include some of the above discounts are:

Before purchasing a policy, check with every company to apply every possible discount. Some discounts may not apply to policyholders in your state. If you would like to see a list of providers with the best Ford Explorer insurance discounts in Dallas, click here.

Shop around and save

As you quote Dallas car insurance, you should never buy less coverage just to save a little money. In too many instances, someone sacrificed full coverage and found out when filing a claim that they should have had better coverage. Your focus should be to buy the best coverage you can find at the best cost while not skimping on critical coverages.

Consumers leave their current company for many reasons like policy non-renewal, high prices, policy cancellation and even unfair underwriting practices. Regardless of your reason for switching companies, finding a new car insurance company can be less work than you think.

Cheap Ford Explorer insurance in Dallas can be found both online and from local insurance agents, and you need to price shop both to have the best selection. Some insurance companies may not offer internet price quotes and many times these smaller providers only sell coverage through independent agents.

Steps to finding more affordable Ford Explorer insurance in Dallas

It takes a few minutes, but the best way to find better pricing on auto insurance rates in Dallas is to compare quotes once a year from different companies in Texas.

  1. Spend some time learning about coverages and the things you can control to keep rates low. Many policy risk factors that drive up the price such as accidents, careless driving, and bad credit can be rectified by being financially responsible and driving safely.
  2. Compare prices from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only provide price estimates from a single company like GEICO or Allstate, while agents who are independent can provide price quotes from multiple sources.
  3. Compare the new rates to the premium of your current policy and see if you can save money. If you can save some money, make sure coverage is continuous and does not lapse.
  4. Provide proper notification to your current company of your intention to cancel your current coverage and submit a completed policy application and payment to the new company. Once the application is submitted, store the proof of insurance certificate along with your vehicle registration.

One bit of advice is to compare identical deductibles and limits on each price quote and and to get rates from as many carriers as you can. Doing this guarantees an apples-to-apples comparison and a thorough selection of prices.

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