Ford Explorer Sport Trac Insurance Rate Quotes in Chula Vista

Surprisingly, a recent survey revealed that the vast majority of California car insurance customers have been with the same company for over three years, and nearly 40% of drivers have never shopped around. Many drivers in the U.S. can save up to 46.5% each year by just shopping around, but they think it’s difficult to compare rate quotes online.

Insurance quote for Ford Explorer Sport Trac in Chula VistaTo save the most money, the best way to get more affordable Ford Explorer Sport Trac insurance in Chula Vista is to begin comparing prices regularly from providers in California. Prices can be compared by following these steps.

  1. Gain an understanding of individual coverages and the things you can control to prevent rate increases. Many factors that drive up the price such as getting speeding tickets and your credit history can be eliminated by making lifestyle changes or driving safer. This article provides instructions to get lower rates and find discounts that you may qualify for.
  2. Compare price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from one company like GEICO and Allstate, while independent agencies can give you price quotes for a wide range of companies.
  3. Compare the new quotes to your current policy and see if you can save money. If you can save some money and make a switch, make sure coverage does not lapse between policies.
  4. Give notification to your agent or company to cancel your current auto insurance policy and submit payment and a signed application for the new policy. Don’t forget to safely store the certificate of insurance along with the vehicle’s registration papers.

The key thing to remember is to compare the same liability limits and deductibles on each quote request and and to get quotes from as many auto insurance providers as possible. Doing this ensures an apples-to-apples comparison and plenty of rates choose from.

Companies offering cheap Ford Explorer Sport Trac rates in Chula Vista, CA

The following companies are our best choices to provide quotes in Chula Vista, CA. To find cheaper auto insurance in CA, we recommend you click on several of them to find the most competitive auto insurance rates.

Analysis of coverages

The coverage information shown below showcases estimates of coverage prices for Ford Explorer Sport Trac models. Learning as much as possible about how rates are formulated is important for drivers to make informed decisions when comparing rate quotes.

Ford Explorer Sport Trac Insurance Rates in Chula Vista, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer Sport Trac XLT 2WD $256 $468 $416 $24 $124 $1,288 $107
Explorer Sport Trac Limited 2WD $292 $468 $416 $24 $124 $1,324 $110
Explorer Sport Trac XLT 4WD $292 $468 $416 $24 $124 $1,324 $110
Explorer Sport Trac Limited 4WD $330 $570 $416 $24 $124 $1,464 $122
Explorer Sport Trac Limited AWD $330 $570 $416 $24 $124 $1,464 $122
Get Your Own Custom Quote Go

Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Rates do not factor in specific Chula Vista garaging location which can revise premiums considerably.

Should you raise deductibles?

One of the more difficult decisions when buying insurance is where to set your physical damage deductibles. The premium rates below illustrate the cost difference when you choose different policy deductibles. The first rate estimation uses a $250 physical damage coverage deductible and the second data table uses a $1,000 deductible.

Ford Explorer Sport Trac insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer Sport Trac XLT 2WD $298 $472 $442 $26 $132 $1,395 $116
Explorer Sport Trac Limited 2WD $342 $472 $442 $26 $132 $1,439 $120
Explorer Sport Trac XLT 4WD $342 $472 $442 $26 $132 $1,439 $120
Explorer Sport Trac Limited 4WD $386 $576 $442 $26 $132 $1,587 $132
Explorer Sport Trac Limited AWD $386 $576 $442 $26 $132 $1,587 $132
Get Your Own Custom Quote Go

Ford Explorer Sport Trac insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer Sport Trac XLT 2WD $184 $298 $442 $26 $132 $1,082 $90
Explorer Sport Trac Limited 2WD $210 $298 $442 $26 $132 $1,108 $92
Explorer Sport Trac XLT 4WD $210 $298 $442 $26 $132 $1,108 $92
Explorer Sport Trac Limited 4WD $238 $362 $442 $26 $132 $1,200 $100
Explorer Sport Trac Limited AWD $238 $362 $442 $26 $132 $1,200 $100
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Rates do not factor in Chula Vista location which can affect prices greatly.

Based on these figures, using a $250 deductible costs roughly $29 more each month or $348 annually averaged for all Explorer Sport Trac models than opting for the higher $1,000 deductible. Because you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you normally go at least 26 months between claim filings, you would probably come out ahead by selecting a higher deductible.

Calculate deductible break even point

Average monthly premium for $250 deductibles: $124
Average monthly premium for $1,000 deductibles (subtract): – $95
Monthly savings from raising deductible: $29
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $29
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 26 months

One important note is that a higher deductible level means you will have to pay more out-of-pocket when you have to file a claim. That will require some savings in the event you have to pay more to get your vehicle repaired.

Tickets and at-fault accidents raise rates

The information below shows how speeding tickets and at-fault collisions increase Ford Explorer Sport Trac premium costs for different age groups of insureds. The data assumes a single female driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.

Insurance rates based on gender in Chula Vista

The diagram below illustrates the difference between Ford Explorer Sport Trac insurance costs for male and female drivers. The information is based on no claims or driving violations, full physical damage coverage, $1,000 deductibles, single marital status, and no other discounts are factored in.

How much more does full coverage cost in Chula Vista?

The information below compares Ford Explorer Sport Trac annual premium costs when comparing full coverage to state minimum liability only. The price estimates are based on no claims, a clean driving record, $500 deductibles, single marital status, and no additional discounts are factored in.

Should you be buying full coverage?

There is no set guideline of when to stop paying for comp and collision coverage, but there is a general school of thought. If the annual cost of your full coverage insurance is about 10% or more of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.

For example, let’s assume your Ford Explorer Sport Trac replacement cost is $4,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would receive is $3,000 after paying the physical damage deductible. If it’s costing in excess of $300 annually for full coverage, then you might want to consider buying only liability coverage.

There are some cases where only buying liability is not a good idea. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should keep full coverage.

Discount Chula Vista car insurance quotes

Some insurance providers don’t necessarily list the complete list of policy discounts very well, so the below list has a few of the more common and also the more inconspicuous credits that may apply to you.Discount car insurance

Please keep in mind that some of the credits will not apply to the entire cost. The majority will only reduce individual premiums such as liability, collision or medical payments. Even though it may seem like it’s possible to get free car insurance, you’re out of luck.

The chart below shows the comparison of Ford Explorer Sport Trac premium costs with and without discounts being applied to the rates. The premium estimates are based on a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, claim-free, marriage, multi-policy, and multi-car discounts applied.

Car insurance companies that have some of the discounts shown above include:

Before purchasing a policy, check with all the companies what discounts are available to you. Some credits might not be available to policyholders in every state.

How You Can Control Ford Explorer Sport Trac Insurance Costs

Many things are part of the calculation when you get your auto insurance bill. Most are fairly basic like a motor vehicle report, but other factors are not quite as obvious such as whether you are married or how financially stable you are. The best way to find cheaper car insurance is to take a look at the different types of things that aid in calculating the price you pay for car insurance. When consumers understand what impacts premium levels, this allows you to make educated decisions that could help you find better car insurance rates.

How much liability protection do you need? – Liability coverage provides coverage if ever a court rules you are at fault for physical damage or personal injury to other. It will provide legal defense up to the limits shown on your policy. Liability is cheap compared to other policy coverages, so drivers should buy more than the minimum limits required by law.

Teen driver insurance prices – Beginning drivers in California have a tendency to be more careless with other occupants in the car so they pay higher car insurance rates. Parents adding a teen driver onto a policy can be quite pricey. Older people are more cautious drivers, are lower risk to insure, and are safer drivers.

The next chart uses these variables: single driver, full coverage with $100 deductibles, and no discounts or violations.

A good credit rating can save money – Credit score is a large factor in calculating your premium rate. So if your credit could use some work, you could be paying less to insure your Ford Explorer Sport Trac by repairing your credit. People with good credit tend to be less risk to insure than those with poor credit.

Bundle policies and save money – Most major insurers give a discount to people who have multiple policies with them such as combining an auto and homeowners policy. The discount can be five, ten or even twenty percent. Even though this discount sounds good, you still need to get quotes from other companies to help guarantee you have the best rates. It’s possible to still save more without the discount even if you have your coverage with different companies

Lower rates by increasing comp and collision deductibles – Insurance for physical damage, also called comprehensive and collision insurance, helps pay for damage to your vehicle. Some instances where coverage would apply are running into the backend of another car, hail damage, and damage caused by flying debris. Physical damage deductibles define the amount the insured will be required to pay if you file a covered claim. The more of the claim you have to pay, the bigger discount you will receive.

An active policy claims history can cost you – Insurance companies in California provide the best rates to people who are claim-free. If you tend to file frequent claims, you can pretty much guarantee much higher rates or policy non-renewal. Your car insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.

Cut prices and deter theft – Selecting a car model with anti-theft technology or alarm system can help bring down rates. Theft deterrent systems such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop car theft and help bring rates down.

Where you live factors in – Having an address in small towns and rural areas may provide you with better prices when insuring your vehicles. Less people means a lower chance of having an accident in addition to fewer liability claims. People who live in big cities have traffic congestion and more time behind the wheel. More time behind the wheel statistically corresponds to a higher accident and claim rate.

Situations that may require an agent’s advice

Keep in mind that when it comes to choosing your policy for your personal vehicles, there really is not a best way to insure your cars. Your financial needs are unique.Higher deductibles save money

For example, these questions might point out if you will benefit from professional help.

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Insurance agent or online?

Many drivers would prefer to go talk to an agent. Good agents are highly skilled in risk management and will help you if you have claims. A nice benefit of getting online price quotes is you can get cheaper rates but still work with a licensed agent.

Insurance agents in Chula VistaOnce you complete this short form, your insurance coverage information is immediately sent to local insurance agents who want to provide quotes for your coverage. You won’t need to leave your house because prices are sent immediately to your email address. If you have a need to quote rates for a specific company, feel free to search and find their rate quote page and give them your coverage information.

Choosing an company should depend on more than just a low price. Here are some questions you should ask.

Pick the best auto insurance agent in Chula Vista for you

If you want to use an insurance agent, it helps to know the two types of agencies and how they differ in how they quote coverages. Agents in Chula Vista are categorized either exclusive or independent. Either one can insure your vehicles, but it’s worth learning how they are different since it can impact the selection process.

Exclusive Agencies

Agents that elect to be exclusive have only one company to place business with such as AAA, Allstate, and State Farm. Exclusive agencies are unable to provide rate quotes from other companies so if the price isn’t competitive there isn’t much they can do. These agents are very knowledgeable in insurance sales and that can be a competitive advantage.

Listed below is a short list of exclusive agents in Chula Vista who may provide you with rate quotes.

386 E H St Suite 203Chula Vista, CA 91910(619) 264-1751View Map

45 Third Ave Ste 104Chula Vista, CA 91910(619) 426-6580View Map

2318 Proctor Valley Rd #102Chula Vista, CA 91914(619) 505-2040View Map

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Independent Agents (or Brokers)

Agents of this type are not restricted to one company and that enables them to quote your coverage with multiple insurance companies and potentially find a lower price. If they quote lower rates, your policy is moved internally and that require little work on your part. When comparison shopping, you will definitely want to get quotes from at a minimum one independent agency to have the most options to choose from.

Shown below are Chula Vista independent agencies that are able to give price quote information.

Fletes Insurance and Financial Services
2127 Olympic Pkwy #1006Chula Vista, CA 91915(619) 616-0037View Map

Applied General Agency / Jake Widmer Insurance
1873 Marquette RdChula Vista, CA 91913(619) 852-1013View Map

40 Third AveChula Vista, CA 91910(619) 427-2662View Map

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Find cheap insurance rates by comparing often

As you shop your coverage around, make sure you don’t buy lower coverage limits just to save a few bucks. In too many instances, someone dropped liability coverage limits and learned later that they should have had better coverage. The proper strategy is to purchase a proper amount of coverage at the best cost while not skimping on critical coverages.

Discount Ford Explorer Sport Trac insurance in Chula Vista is available online and from local agencies, so you should compare both to get a complete price analysis. Some insurance companies don’t offer online quoting and these regional insurance providers provide coverage only through independent agents.

You just read quite a bit of information on how to lower your Ford Explorer Sport Trac insurance premium rates in Chula Vista. It’s most important to understand that the more times you quote, the better your comparison will be. Consumers may even find the best price on insurance is with a company that doesn’t do a lot of advertising.

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