How to Save on Ford Explorer Insurance in Detroit

Insurance for Ford ExplorerSearching for low-cost insurance for your Ford Explorer in Michigan could be a painful process, but you can learn a few tricks to make it easier. There are more efficient ways to find insurance online so we’re going to tell you the quickest way to compare rates for a new or used Ford and find the lowest possible price from both online companies and Detroit agents.

It’s shocking but a large majority of drivers kept their coverage with the same insurance company for well over three years, and nearly 40% of drivers have never quoted insurance rates at all. Drivers in Michigan can save nearly $3,836 each year just by comparing rates, but they feel it’s too difficult to save money by comparing rate quotes.

You should take the time to check insurance prices occasionally due to the fact that insurance prices tend to go up over time. Even if you think you had the lowest quotes on Ford Explorer insurance in Detroit on your last policy you may be paying too much now. Ignore everything you know about insurance because you’re about to learn the right way to buy cheaper Ford Explorer insurance in Detroit.

Which Ford Explorer insurance is cheapest in Detroit?

Lowering your auto insurance rates is surprisingly easy. All you need to do is take a few minutes comparing rate quotes online with multiple companies.

The auto insurance companies shown below provide quotes in Detroit, MI. If your goal is to find cheap auto insurance in Detroit, MI, it’s a good idea that you compare several of them to get the best price comparison.

Ford Explorer insurance coverage information

The rate information below highlights different insurance coverage prices for Ford Explorer models. Learning a little about how car insurance prices are calculated can help drivers make decisions when shopping your coverage around.

Ford Explorer Insurance Rates in Detroit, MI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $660 $1084 $932 $56 $280 $3,012 $251
Explorer Eddie Bauer 2WD $660 $1084 $932 $56 $280 $3,012 $251
Explorer XLT 4WD $660 $1084 $932 $56 $280 $3,012 $251
Explorer XLT AWD $660 $1084 $932 $56 $280 $3,012 $251
Explorer Eddie Bauer 4WD $744 $1320 $932 $56 $280 $3,332 $278
Explorer Eddie Bauer AWD $744 $1320 $932 $56 $280 $3,332 $278
Explorer Limited 2WD $744 $1320 $932 $56 $280 $3,332 $278
Explorer Limited 4WD $744 $1320 $932 $56 $280 $3,332 $278
Explorer Limited AWD $744 $1320 $932 $56 $280 $3,332 $278
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Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Michigan minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Price information does not factor in specific Detroit garaging location which can increase or decrease prices considerably.

The example below illustrates how your choice of deductibles and can raise or lower Ford Explorer insurance costs for different categories of driver ages. The price estimates are based on a married female driver, full physical damage coverage, and no additional discounts are factored in.

Reckless driving habits raise insurance rates

The information below illustrates how speeding tickets and at-fault fender-benders can impact Ford Explorer car insurance rates for different categories of driver ages. The price estimates are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied.

Age, gender, and Ford Explorer insurance

The information below illustrates the comparison of Ford Explorer yearly insurance costs for male and female drivers. The information is based on a clean driving record, no at-fault accidents, full coverage, $250 deductibles, drivers are single, and no additional discounts are factored in.

Protect your Ford Explorer and other assets

Despite the high cost, paying for insurance serves a purpose in several ways.

The benefits of insuring your Explorer greatly outweigh the cost, specifically if you ever have a liability claim. Unknowingly, the average driver is overpaying more than $700 annually so compare rate quotes at every renewal to save money.

Smart Consumers Can Cut Insurance Costs

Smart consumers have a good feel for the factors that go into determining the price you pay for auto insurance. If you understand what positively or negatively impacts your premiums, this helps enable you to make changes that may result in lower auto insurance prices.

The list below includes a few of the “ingredients” auto insurance companies consider when setting rates.

Do you really need the extra coverages? – There are quite a few add-on coverages that you can buy if you aren’t diligent. Coverages like coverage for rental cars, accidental death, and extra life insurance coverage may not be needed and are just wasting money. They may sound like good ideas when buying your policy, but if they’re wasting money get rid of them and save.

Liability insurance is peace of mind – Your auto insurance policy’s liability coverage is the coverage that protects you when you are responsible for damages caused by your negligence. It provides you with a defense in court to defend your case. Liability is cheap compared to comp and collision, so insureds should have plenty of protection for their assets.

Deter theft and pay less – Selecting a car model with a theft deterrent system can save you some money. Anti-theft devices like OnStar, LoJack tracking, and tamper alarms all hinder your car from being stolen.

Never allow your policy to lapse – Having a lapse in insurance coverage is a sure-fire way to pay more for auto insurance. In addition to paying higher premiums, failure to provide proof of insurance could earn you a hefty fine and possibly a revoked license. You may need to prove you have insurance by filing a SR-22 with the Michigan DMV.

Auto insurance rates and age – Youthful drivers in Michigan are statistically shown to be less responsible when behind the wheel so auto insurance rates are higher. If you’ve ever had to add a teen driver onto your auto insurance can be quite pricey. Older people are proven to be safer behind the wheel, cause fewer claims and accidents, and are safer drivers.

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

Discounts for multiple policies – Many insurance companies afford a discount for people who buy several policies from them. It’s known as a multi-policy discount. Even though this discount sounds good, it’s still a good idea to shop around to help guarantee you have the best rates.

Ford Explorer statistical loss data – Insurance companies use claims history as a tool for profitable underwriting. Models that tend to have high amounts or severity of claims will have higher premium rates. The table below outlines the collected loss data for Ford Explorer vehicles.

For each policy coverage, the claim amount for all vehicles compiled together is considered to be 100. Values that are below 100 indicate better than average losses, while numbers above 100 point to more frequent losses or tendency to have higher losses.

Ford Explorer Insurance Claim Statistics
Specific Ford 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

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

A conclusion for your car insurance search

As you restructure your insurance plan, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many instances, drivers have reduced full coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.

Cheaper car insurance in Detroit is available on the web in addition to local insurance agencies, and you need to price shop both to have the best rate selection. Some insurance companies may not provide the ability to get quotes online and many times these small, regional companies work with local independent agents.

Insureds change insurance companies for a variety of reasons including lack of trust in their agent, high rates after DUI convictions, high prices or poor customer service. Regardless of your reason for switching companies, finding the right car insurance provider can be pretty painless.

Steps to finding the cheapest rates for Ford Explorer insurance in Detroit

If you want to save the most money, the best way to find cheaper Ford Explorer insurance is to do a yearly price comparison from insurers that insure vehicles in Detroit.

The key thing to know about shopping around is that you use identical coverages on every price quote and and to get prices from every insurance company. Doing this provides an accurate price comparison and the best price selection.

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