Buying cheaper car insurance for a Ford Explorer in California is pretty easy to do, but it hinges on an enormous amount of rating factors such as your marital status, the size of your vehicle, and driving violations and tickets. Drivers in California pay around $1,198 per year for Explorer insurance, but that price is an approximation calculated based on a 40-year-old single male driver with full comprehensive and collision coverage and $1,000 deductibles.
There’s a high likelihood you aren’t exactly 40 years old or even a male, possibly married instead of single, or maybe you rent instead of own your home. Having the smallest difference in rating variables may result in significant differences in the cost of insurance.
There is no one cookie-cutter policy that works for everyone, so the only real way to find the cheapest coverage for your Ford is to just compare rates yourself.
The specific model of Explorer will likely have an effect on the coverage cost, so the price to insure a Explorer XLT 2WD will be $102 lower than the cost to insure the high end Explorer Limited AWD trim level, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Explorer XLT 2WD||$206||$342||$534||$32||$160||$1,274||$106|
|Explorer Eddie Bauer 2WD||$206||$342||$534||$32||$160||$1,274||$106|
|Explorer XLT 4WD||$206||$342||$534||$32||$160||$1,274||$106|
|Explorer XLT AWD||$206||$342||$534||$32||$160||$1,274||$106|
|Explorer Eddie Bauer 4WD||$234||$416||$534||$32||$160||$1,376||$115|
|Explorer Eddie Bauer AWD||$234||$416||$534||$32||$160||$1,376||$115|
|Explorer Limited 2WD||$234||$416||$534||$32||$160||$1,376||$115|
|Explorer Limited 4WD||$234||$416||$534||$32||$160||$1,376||$115|
|Explorer Limited AWD||$234||$416||$534||$32||$160||$1,376||$115|
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Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Information does not factor in specific location information which can revise prices substantially.
Locating cost effective insurance is tough enough, and deciding which company has the most affordable insurance rates for a Ford Explorer involves even more perseverance. Every insurance provider uses a different method to set policy rates, so let’s take a look at the most affordable insurance companies in California.
Keep in mind that Stockton, CA insurance rates are impacted by many things that may substantially change the cost of a policy. Things like getting older, adding a teenager to your policy, or getting a reckless driving citation may generate price changes that can cause some rates to be more affordable than competitors.
Best Car Insurance Prices for Your Explorer
|Rank||Company||Cost Per Year|
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USAA has some of the best car insurance rates in Stockton at around $1,109 a year. This is $542 less than the average price paid by California drivers of $1,651. Century National, CSAA, Wawanesa, and Nationwide would also make the list of some of the best Stockton, CA car insurance companies.
In the above example, if you buy coverage from CSAA and switched to USAA, you might achieve annual savings of about $77. California drivers with Wawanesa could save as much as $83 a year, and Nationwide insureds might see rate reductions of $154 a year.
These estimates are averages across all drivers and vehicles and are not factoring in a specific zip code for a Ford Explorer. So the auto insurance company that can offer you the best price may not even be in the top 24 companies in the list above. That points out the importance of why you need to get rate quotes using your own driver data and vehicle information.
Get discounts on Stockton car insurance
Auto insurance companies that provide policies for a Ford Explorer may also offer premium discounts that may potentially lower prices by as much as 35% if you can meet the requirements. A list of insurance companies and a selection of discounts can be read below.
- State Farm includes discounts for safe vehicle, anti-theft, multiple autos, good student, and good driver.
- Liberty Mutual may have discounts that include teen driver discount, exclusive group savings, newly married, new vehicle discount, new move discount, multi-policy, and newly retired.
- American Family policyholders can earn discounts including air bags, bundled insurance, TimeAway discount, multi-vehicle, accident-free, defensive driver, and early bird.
- Progressive offers discounts including multi-policy, multi-vehicle, good student, online quote discount, online signing, continuous coverage, and homeowner.
- Farmers Insurance discounts include distant student, business and professional, early shopping, switch companies, electronic funds transfer, and youthful driver.
- Auto-Owners Insurance has discounts for multi-policy, safe vehicle, paid in full, anti-theft, paperless, and group or association.
- SAFECO offers premium reductions for anti-theft, anti-lock brakes, drive less, teen safe driver, teen safety rewards, homeowner, and safe driver.
The chart below shows the difference between car insurance costs with and without discounts applied to the premium. The rate quotes are based on a male driver, no accidents, no driving violations, California 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 vehicle safety, anti-theft, multiple policy, passive restraint, accident-free, and claim-free discounts applied. When taking advantage of discounts, theaverage amount saved on insurance for a Ford Explorer is 28% or $774.
Why you should be shopping around
California insurance rates are determined by lots of factors which can substantially decrease or increase the cost of coverage. Simply improving your credit, buying a home, or having an accident may generate price changes resulting in some companies being affordable when they were higher priced.
Not only may your situation change, but insurers modify rates every year in order to remain profitable. Heavier than normal losses can result in higher priced premiums, while a profitable period may produce cheaper Explorer insurance rates.
To illustrate this example, the data below compares the cheapest car insurance in Stockton, CA for a 35-year-old female driver with no accidents or violations, and good financial standing. When comparing rates based on her current risk factors, USAA might quote the cheapest car insurance rates in Stockton at $1,392 annually. This is $259 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, Nationwide, and CSAA are also on the list of the most affordable Stockton, CA auto insurance companies.
Now we will pretend the driver in the first chart a chargeable claim, a lower credit rating, and a stop sign violation. Since every car insurance company has a proprietary method to set premium rates, comparing rates will most likely result in a slightly different list of affordable Stockton car insurance companies as shown below.
Grange now has the best auto insurance rate in Stockton with Mercury, Allstate, GEICO, and Progressive also having competitive pricing. This shows why consumers need to do a thorough rate comparison when trying to find the cheapest auto insurance rates for a Ford Explorer.
Auto insurance prices can be altered by many things and can change substantially, so the cheapest company the last time you compared rates may now not even be in the top five.
The Stockton, CA, insurance agents below can probably provide answers to your questions and help you determine which coverages and limits you need, as some people prefer to have some professional guidance when comparing insurance rates for an Explorer. It can be difficult to find coverage yourself, and insurance agents licensed in the state of California can give you satisfaction knowing your coverage gives you adequate coverage when you need it most.
To locate an agency near you, click the button below the list or click here to compare price quotes now.
- Jim Molina – State Farm Insurance Agent
7273 Murray Dr #7 – Stockton, CA 95210 – (209) 473-0516
- Insurance Services of Stockton
1150 W Robinhood Dr # 1A – Stockton, CA 95207 – (209) 474-6174
- Allstate Insurance Agent: Myles B. Harris Jr.
8807 Thornton Rd, # D1 – Stockton, CA 95209 – (209) 472-8585
- Big Savings Insurance Agency, Inc
7153 Pacific Ave – Stockton, CA 95207 – (209) 956-2000