Ford Explorer insurance policy image courtesy of QuoteInspector.com
Buying cheaper insurance for a Ford Explorer in California relies on a lot of rating criteria such as how far you commute, your profession, and any prior driving offenses you have. California drivers will pay around $1,193 a year to insure their Explorer, but that price is a valuation calculated based on a 30-year-old married male driver with both comprehensive and collision coverage and $500 deductibles.
It's highly likely you aren't exactly 30 years old or even a male, you might be single instead of married, or maybe you want different physical damage deductibles. There is no one cookie-cutter policy that works for everyone, so the only way to find the most affordable coverage for your Ford is to put in the effort to do a thorough rate comparison. Compare rate quotes now and you will get price quotes from some of the most affordable companies in California.
The specific trim level has an effect on the cost of insurance, so the cost to insure a Explorer XLT 2WD trim level will be $118 less expensive the insurance cost for the fancier Explorer Limited AWD version, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Explorer XLT 2WD||$278||$382||$442||$26||$132||$1,260||$105|
|Explorer Eddie Bauer 2WD||$278||$382||$442||$26||$132||$1,260||$105|
|Explorer XLT 4WD||$278||$382||$442||$26||$132||$1,260||$105|
|Explorer XLT AWD||$278||$382||$442||$26||$132||$1,260||$105|
|Explorer Eddie Bauer 4WD||$314||$464||$442||$26||$132||$1,378||$115|
|Explorer Eddie Bauer AWD||$314||$464||$442||$26||$132||$1,378||$115|
|Explorer Limited 2WD||$314||$464||$442||$26||$132||$1,378||$115|
|Explorer Limited 4WD||$314||$464||$442||$26||$132||$1,378||$115|
|Explorer Limited AWD||$314||$464||$442||$26||$132||$1,378||$115|
|Get Your Own Custom Quote Go|
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Premium costs do not factor in Chula Vista location which can lower or raise premium rates noticeably.
Trying to find budget insurance is not the easiest thing to accomplish, and finding out which companies have the most affordable auto insurance rates for a Ford Explorer will take more quotes for comparison.
Each company has their own unique process to set their prices, so we'll take a look at the most affordable auto insurance companies in Chula Vista.
Cheapest Insurance Rates for Your Explorer
|Rank||Company||Cost Per Year|
|Get a Custom Quote Go|
USAA may have some of the cheapest car insurance rates in Chula Vista at around $1,121 annually. Wawanesa, Century National, CSAA, and Nationwide also are some of the best Chula Vista, CA car insurance companies.
As shown above, if you currently have a policy with CSAA and switched to Wawanesa, you could see an annual savings of around $88. California drivers with Nationwide might save as much as $104 a year, and 21st Century policyholders might cut rates by $233 a year.
These estimates are averaged across all ages of drivers and types of vehicles and and are not calculated with a specific location for a Ford Explorer. So the car insurance company that fits your needs best may not even be in the top 24 companies shown above. That underscores the importance of why you need to get quotes using your own personalized driver profile and vehicle information.
Get discounts on Chula Vista insurance rates
Car insurance companies that offer cheap quotes for a Ford Explorer may provide price discounts that can reduce rates by 25% or more if you qualify. A few of the larger companies and some of the discounts are included below.
- State Farm offers discounts including driver's education, passive restraint, anti-theft, multiple policy, safe vehicle, Steer Clear safe driver discount, and student away at school.
- American Family may have discounts that include TimeAway discount, good student, Steer into Savings, mySafetyValet, defensive driver, accident-free, and air bags.
- AAA offers discounts for good student, pay-in-full, education and occupation, multi-car, AAA membership discount, and anti-theft.
- GEICO may offer discounts for five-year accident-free, multi-vehicle, good student, anti-lock brakes, and federal employee.
- Mercury Insurance may include discounts for age of vehicle, multi-car, anti-theft, multi-policy, and professional/association.
- Farmers Insurance has discounts for business and professional, distant student, early shopping, mature driver, youthful driver, and bundle discounts.
- Progressive includes discounts for online quote discount, online signing, continuous coverage, multi-policy, and multi-vehicle.
The diagram below visualizes the comparison of car insurance costs with and without discounts applied to the rates. The rate quotes are based on a male driver, no claims or driving citations, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with multiple policy, anti-theft, multiple vehicle, homeowner, safe-driver, and vehicle safety discounts applied. With discounts applied, theaverage yearly reduction on auto insurance for a Ford Explorer is 28% or $641.
Why you should be shopping around
Chula Vista, CA auto insurance rates are based on many factors that control the price you pay. Improving your credit score, buying higher coverage limits, or having a fender bender can cause premium changes that can now make some companies much cheaper than others. In addition, insurance companies change prices every year to adjust for heavy claims or excess profits. A period of increased losses can cause higher priced premiums, while a better claims history may cause lower-priced Explorer insurance rates.
To illustrate this point, the graph below analyzes the cheapest car insurance in Chula Vista, CA for a 35-year-old female driver with no violations or accidents, and a good credit history. If we look at prices based on her personal profile, USAA offers the cheapest car insurance rates in Chula Vista at $1,109 a year. This is $542 less than the average premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are the remaining cheapest Chula Vista, CA auto insurance companies.
Now we will give the driver from above a chargeable accident, poor credit, and a blemish on her driving record. Because every insurance company has their own guidelines to determine rates, comparing prices most likely will result in a significantly different list of companies as shown below.
Grange now has the best car insurance rate in Chula Vista with Progressive, Allstate, Allied, and Mercury now rounding out the top five. This example illustrates why consumers need to shop around with many companies to get the cheapest auto insurance quotes for a Ford Explorer. Rates are determined by many factors and change dramatically, so the best option the last time you checked may now be priced much higher than other options.