Ford Explorer Insurance Quotes in Philadelphia

Do you want to learn to get low-cost Ford Explorer insurance in Philadelphia? Nobody I know gets a kick out of paying for auto insurance, particularly when they could get a better deal.

We don’t have to tell you that insurance companies don’t want policyholders to compare prices from other companies. People who shop around are very likely to move their business because there is a great chance of finding a more affordable policy premium. A recent study showed that people who made a habit of comparing rate quotes saved about $70 a month compared to other drivers who never shopped for cheaper rates.

If finding the best price on Ford Explorer insurance in Philadelphia is your ultimate objective, then learning about the best ways to find and compare insurance rates can make it easier for you to save money.

Many insurers vie for your hard-earned dollar, so it’s not easy to compare every provider to find the absolute lowest price on Ford Explorer insurance in Philadelphia.

It’s smart to quote other rates every six months because auto insurance prices change quite often. Despite the fact that you may have had the best price on Ford Explorer insurance in Philadelphia a couple years back other companies may now be cheaper. You can find a lot of information about Explorer insurance on the internet, but by reading this article, you’re going to learn some great ideas on how to buy auto insurance cheaper in Philadelphia.

If you currently have insurance, you will surely be able to shop for the lowest rates using the ideas presented in this article. Choosing the best insurance company for you in Philadelphia is quite easy if you know the best way to do it. Nevertheless, Pennsylvania consumers need to learn the way companies calculate your policy premium because it can help you find the best coverage.

Affordable Ford insurance rates in Philadelphia

The providers in the list below can provide price quotes in Philadelphia, PA. If multiple companies are shown, we recommend you get rates from several of them in order to get a fair rate comparison.

Ford Explorer insurance rates and statistics

The premium information shown next covers different insurance costs for Ford Explorer models. Being aware of how prices are formulated can assist in making informed purchases.

Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, homeowner, and multi-policy. Table data does not factor in garaging location in Philadelphia which can decrease or increase price quotes considerably.

Policy deductibles

When shopping for auto insurance, a common question is how high should the physical damage coverage deductibles be. The comparisons below can help illustrate the premium difference between low and high coverage deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second price grid uses a $500 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Premium amounts do not factor in the specific area where the vehicle is garaged which can decrease or increase rates considerably.

Based on the data above, we can derive that using a $250 deductible costs an average of $13 more each month or $156 every year averaged for all Explorer models than quoting the higher $500 deductible. Since you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to go more than 19 months between claim filings, you would save more money if you choose a higher deductible.

Males versus Females

The example below illustrates the comparison of Ford Explorer premium costs for male and female drivers. The data is based on no claims, a clean driving record, full physical damage coverage, $100 deductibles, single status, and no discounts are applied.

Should you buy full coverage?

The example below illustrates the difference between Ford Explorer insurance premiums when comparing full coverage to liability only. Data assumes no claims or driving violations, $100 deductibles, single marital status, and no discounts are applied.

Deciding between full coverage and liability only

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 10% or more of the replacement cost minus the deductible, then it may be the right time to buy liability only.

For example, let’s pretend your Ford Explorer claim settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, you would only receive $4,000 after paying the physical damage deductible. If it’s costing you more than $400 a year for full coverage, then it might be time to buy liability only.

There are some situations where eliminating full coverage is not advised. If you have an outstanding loan on your vehicle, you have to maintain full coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not drop full coverage.

Cheap Ford Explorer insurance in Philadelphia

Car insurance companies don’t always list every policy discount very clearly, so the list below details a few of the more common and the more hidden car insurance savings.

• First Accident Forgiveness – Not necessarily a discount, but a handful of insurance companies permit an accident before raising your premiums as long as you don’t have any claims prior to being involved in the accident.
• Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
• Discount for Multiple Policies – If you insure your home and vehicles and insure them with the same company you will save nearly 15% which can help you find cheaper Explorer insurance.
• No Accidents – Good drivers with no accidents can save substantially compared to insureds who have frequent claims or accidents.
• Defensive Driver Discount – Completing a class that teaches defensive driving techniques is a good idea and can lower rates and easily pay for the cost of the class.
• Multi-car Discount – Drivers who insure primary and secondary vehicles with the same car insurance company can reduce the rates for all insured vehicles.
• Senior Discount – If you’re over the age of 55, you may receive lower premium rates.
• Discount for Swiching Early – A few car insurance companies offer discounts for buying a policy before your current expiration date. The savings is around 10%.
• E-sign – Some of the larger companies provide a small discount get Philadelphia car insurance on their website.
• Employee of Federal Government – Being employed by or retired from a federal job may reduce rates when you quote Philadelphia car insurance with some car insurance companies.

Policy discounts save money, but most discount credits are not given to the overall cost of the policy. Most only reduce specific coverage prices like liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, nobody gets a free ride.

The illustration below visualizes the comparison of Ford Explorer premium costs with and without discounts applied to the rates. The premium estimates are based on a male driver, no claims or driving violations, Pennsylvania state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-car, multi-policy, homeowner, and claim-free discounts applied.

Companies and a selection of discounts can be read below.

• State Farm offers premium reductions for safe vehicle, accident-free, student away at school, passive restraint, and anti-theft.
• Farmers Insurance discounts include teen driver, bundle discounts, homeowner, mature driver, switch companies, and early shopping.
• GEICO offers discounts including federal employee, multi-vehicle, anti-lock brakes, good student, membership and employees, seat belt use, and multi-policy.
• American Family includes discounts for air bags, good student, early bird, defensive driver, multi-vehicle, and mySafetyValet.
• Nationwide has discounts for easy pay, business or organization, anti-theft, Farm Bureau membership, multi-policy, good student, and accident-free.
• Progressive may include discounts for multi-vehicle, multi-policy, continuous coverage, online quote discount, good student, homeowner, and online signing.

If you need lower rates, check with each company or agent which discounts you qualify for. Savings may not be offered in Philadelphia. For a list of insurance companies who offer online Ford Explorer insurance quotes in Pennsylvania, follow this link.

Buying insurance from Philadelphia auto insurance agents

Certain consumers still like to get advice from a local agent and that is a personal choice. The best thing about comparing insurance online is that you can find the lowest rates but still work with a licensed agent.

After filling out this form (opens in new window), your insurance data is sent to insurance agents in Philadelphia who will return price quotes for your business. You won’t even need to search for any insurance agencies due to the fact that quote results will go to you directly. You can find the lowest rates without the usual hassles of price shopping. If you wish to get a price quote for a specific company, feel free to navigate to their website to submit a rate quote request.

Finding the right company requires you to look at more than just a cheap price. Any agent in Philadelphia should be forthright in answering these questions:

• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
• Is there a local claims center in Philadelphia?
• Which family members are covered?
• Do they specialize in personal lines coverage in Philadelphia?
• Did they already check your driving record and credit reports?
• Can you use your own choice of collision repair facility?

Shown below is a short list of car insurance companies in Philadelphia that may be able to provide rate quotes for Ford Explorer insurance in Philadelphia.

View more agents

Car insurance 101

Having a good grasp of your insurance policy can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverages found on most insurance policies.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as chiropractic care, hospital visits and dental work. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

Liability coverage provides protection from damage or injury you incur to a person or their property. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 15/30/5 which means $15,000 in coverage for each person’s injuries, a per accident bodily injury limit of $30,000, and a total limit of $5,000 for damage to vehicles and property.

Liability insurance covers things such as pain and suffering, repair bills for other people’s vehicles and medical expenses. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible. Pennsylvania requires drivers to carry at least 15/30/5 but you should think about purchasing more coverage.

The illustration below shows why the minimum limit may not provide you with enough coverage.

UM/UIM Coverage

This gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many Pennsylvania drivers have only the minimum liability required by law (15/30/5), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like sustaining damage from a pot hole, colliding with a tree, crashing into a building, hitting a parking meter and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also bump up the deductible on your Explorer to save money on collision insurance.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, damage from getting keyed, damage from flooding, vandalism and rock chips in glass. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Cheaper auto insurance is a realistic goal

We just presented a lot of tips how to shop for Ford Explorer insurance online. The most important thing to understand is the more times you quote, the higher the chance of saving money. Drivers may even discover the biggest savings come from the least-expected company. These companies may only write in your state and offer lower rates compared to the large companies like State Farm and Allstate.

Affordable Ford Explorer insurance in Philadelphia is possible online and with local Philadelphia insurance agents, so you should compare both to have the best selection. A few companies may not have the ability to get quotes online and many times these small insurance companies work with independent agents.

Even more information is located at these sites:

• Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
• Who Has Affordable Auto Insurance for Retired Military in Philadelphia? (FAQ)
• What Car Insurance is Cheapest for a Chevrolet Traverse in Philadelphia? (FAQ)
• What Car Insurance is Cheapest for Homeowners in Philadelphia? (FAQ)
• What Auto Insurance is Cheapest for Government Employees in Philadelphia? (FAQ)
• Your Car has been Stolen: Now What? (Allstate)
• Teen Driving Statistics (GEICO)
• Car Insurance FAQ (Trusted Choice)
• Safety Features for Your New Car (State Farm)