Best Ford Explorer Insurance in Arlington

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Insurance rates Ford Explorer in ArlingtonIt's astonishing, but the vast majority of drivers have stayed with the same insurance company for at least four years, and nearly half have never compared rates from other carriers. Texas consumers could save $1,766 a year just by comparing rates, but they feel it's too difficult to compare rate quotes.

If you want to find the absolute lowest rates, then the best way to quote cheaper car insurance rates is to start comparing prices regularly from insurers who sell auto insurance in Arlington.

  1. Read and learn about how car insurance works and the things you can control to prevent rate increases. Many things that cause rate increases like at-fault accidents, speeding tickets, and a low credit rating can be amended by making minor driving habit or lifestyle changes.
  2. Compare rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can give quotes from one company like GEICO and Allstate, while agents who are independent can quote prices for a wide range of companies.
  3. Compare the new quotes to your current policy premium and determine if there is any savings. If you find a lower rate and change companies, verify that coverage does not lapse between policies.
  4. Tell your current agent or company to cancel your current coverage. Submit a completed policy application and payment for the new policy. Immediately upon receiving it, keep your new certificate verifying coverage with your registration paperwork.

One bit of advice is to try to compare the same deductibles and limits on each quote and and to get rates from as many companies as possible. Doing this provides an accurate price comparison and a complete rate analysis.

All the larger auto insurance companies like Progressive, GEICO, Allstate and State Farm make it easy to get insurance quotes online. The process is fairly simple as you just enter your personal and coverage information into the form. Once entered, their quoting system will obtain information on your driving record and credit history and generates pricing information. Quoting online for Ford Explorer insurance in Arlington makes comparing rates easy, and it's necessary to get many rate quotes if you want to find a better rate.

To quickly get comparison pricing now, compare quotes from the companies shown below. If you have your current policy handy, we recommend you copy the coverage information as shown on your current policy. Doing this assures you will have rate quotes for exact coverage.

The companies in the list below provide price quotes in Arlington, TX. If you want to find cheap car insurance in TX, we suggest you click on several of them to get the best price comparison.

Data for Ford Explorer insurance

The rate table displayed below highlights a range of insurance coverage prices for Ford Explorer models. Understanding more about how policy rates are figured can be of help when making decisions on the best policy coverages.

Ford Explorer Insurance Rates in Arlington, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $206 $338 $430 $26 $128 $1,128 $94
Explorer Eddie Bauer 2WD $206 $338 $430 $26 $128 $1,128 $94
Explorer XLT 4WD $206 $338 $430 $26 $128 $1,128 $94
Explorer XLT AWD $206 $338 $430 $26 $128 $1,128 $94
Explorer Eddie Bauer 4WD $232 $412 $430 $26 $128 $1,228 $102
Explorer Eddie Bauer AWD $232 $412 $430 $26 $128 $1,228 $102
Explorer Limited 2WD $232 $412 $430 $26 $128 $1,228 $102
Explorer Limited 4WD $232 $412 $430 $26 $128 $1,228 $102
Explorer Limited AWD $232 $412 $430 $26 $128 $1,228 $102
Get Your Own Custom Quote Go

Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Premium amounts do not factor in the specific area where the vehicle is garaged which can impact premiums greatly.

How high should deductibles be?

The hardest decision when buying coverage is what deductibles to buy. The following tables outline the rate fluctuation when you buy lower versus higher deductibles. The first price estimate table uses a $250 comprehensive and collision deductible and the second set of prices uses a $500 deductible.

Ford Explorer insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $294 $408 $382 $22 $114 $1,245 $104
Explorer Eddie Bauer 2WD $294 $408 $382 $22 $114 $1,245 $104
Explorer XLT 4WD $294 $408 $382 $22 $114 $1,245 $104
Explorer XLT AWD $294 $408 $382 $22 $114 $1,245 $104
Explorer Eddie Bauer 4WD $332 $496 $382 $22 $114 $1,371 $114
Explorer Eddie Bauer AWD $332 $496 $382 $22 $114 $1,371 $114
Explorer Limited 2WD $332 $496 $382 $22 $114 $1,371 $114
Explorer Limited 4WD $332 $496 $382 $22 $114 $1,371 $114
Explorer Limited AWD $332 $496 $382 $22 $114 $1,371 $114
Get Your Own Custom Quote Go
Ford Explorer insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $240 $328 $382 $22 $114 $1,086 $91
Explorer Eddie Bauer 2WD $240 $328 $382 $22 $114 $1,086 $91
Explorer XLT 4WD $240 $328 $382 $22 $114 $1,086 $91
Explorer XLT AWD $240 $328 $382 $22 $114 $1,086 $91
Explorer Eddie Bauer 4WD $270 $400 $382 $22 $114 $1,188 $99
Explorer Eddie Bauer AWD $270 $400 $382 $22 $114 $1,188 $99
Explorer Limited 2WD $270 $400 $382 $22 $114 $1,188 $99
Explorer Limited 4WD $270 $400 $382 $22 $114 $1,188 $99
Explorer Limited AWD $270 $400 $382 $22 $114 $1,188 $99
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Table data does not factor in your specific Arlington location which can raise or lower coverage rates substantially.

Based on this data, we can arrive at the conclusion that using a $250 deductible will cost you approximately $15 more each month or $180 annually across all Ford Explorer models than opting for the higher $500 deductible. Since the policyholder would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you have at a minimum 17 months between claim filings, you would more than likely save some money if you choose a higher deductible.

The example below illustrates how choosing a deductible and can impact Ford Explorer yearly insurance costs for different age categories. The rates are based on a single female driver, comp and collision included, and no discounts are factored in.

Insurance rates based on gender

The information below compares Ford Explorer yearly insurance costs for male and female drivers. The price estimates are based on no violations or accidents, full coverage, $500 deductibles, single status, and no discounts are applied to the premium.

Should you buy full coverage?

The diagram below illustrates the comparison of Ford Explorer yearly insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The costs are based on no claims or driving citations, $1,000 deductibles, single marital status, and no other discounts are factored in.

When to stop buying comprehensive and collision coverage

There isn't a written rule of when to phase out comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.

For example, let's pretend your Ford Explorer claim settlement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, you would only receive $2,000 after the policy deductible has been paid. If it's costing in excess of $200 annually for your policy with full coverage, then you might want to think about dropping full coverage.

There are some conditions where only buying liability is not a good idea. If you still have a loan on your vehicle, you are required to maintain full coverage to protect the lienholder's interest in the vehicle. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should maintain full coverage.

Why you need insurance for your Explorer

Despite the high insurance cost for a Ford Explorer in Arlington, maintaining insurance is a good idea for several reasons.

First, most states have mandatory insurance requirements which means the state requires a minimum amount of liability if you want to drive legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you have a loan on your Ford Explorer, almost all lenders will make it a condition of the loan that you buy insurance to guarantee their interest in the vehicle. If you do not keep the policy in force, the bank may insure your Ford for a lot more money and require you to reimburse them for it.

Third, insurance safeguards not only your Ford Explorer but also your assets. Insurance will also pay for all forms of medical expenses for not only you but also any passengers injured in an accident. Liability coverage will also pay attorney fees if someone files suit against you as the result of an accident. If your vehicle suffers damage from an accident or hail, your auto insurance policy will pay all costs to repair after the deductible has been paid.

The benefits of having auto insurance definitely exceed the cost, especially with large liability claims. According to a 2015 survey, the average American driver is overpaying more than $810 a year so shop around at every renewal to make sure the price is not too high.

Auto insurance specifics

Learning about specific coverages of auto insurance can be of help when determining 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. Listed below are the normal coverages found on the average auto insurance policy.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like rehabilitation expenses, nursing services and doctor visits. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like damage from getting keyed, damage from a tornado or hurricane and vandalism. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle's value is low it's probably time to drop comprehensive insurance.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle's damage.

Since many Texas drivers only carry the minimum required liability limits (Texas limits are 30/60/25), their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision coverage

Collision coverage covers damage to your Explorer resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as driving through your garage door, colliding with a tree, damaging your car on a curb, scraping a guard rail and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to raise the deductible on your Explorer in order to get cheaper collision rates.

Coverage for liability

This protects you from damage or injury you incur to people or other property in an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 30/60/25 that translate to a $30,000 limit per person for injuries, a total of $60,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability coverage pays for claims such as medical expenses, loss of income, medical services, pain and suffering and repair bills for other people's vehicles. How much liability should you purchase? That is up to you, but it's cheap coverage so purchase as much as you can afford. Texas requires drivers to carry at least 30/60/25 but you should consider buying better liability coverage.

The illustration below demonstrates why minimum state limits may not be enough.

Which car insurance company is best in Arlington?

Choosing the top insurance provider can be rather challenging considering how many different insurance companies sell coverage in Arlington. The information below could help you analyze which car insurance providers to look at comparing rate quotes with.

Top 10 Arlington Car Insurance Companies Overall

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Top 10 Arlington Car Insurance Companies Ranked by Customer Service

  1. USAA
  2. Travelers
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Safeco Insurance
  7. Progressive
  8. State Farm
  9. The Hartford
  10. The General

One last thing about your coverage

We've covered a lot of tips how to find lower-cost Ford Explorer insurance in Arlington. The key thing to remember is the more you quote Arlington car insurance, the better likelihood of getting affordable Arlington car insurance quotes. Drivers may even discover the lowest premium rates are with the least-expected company. These companies may often insure only within specific states and give better rates compared to the large companies like Progressive and GEICO.

As you restructure your insurance plan, it's not a good idea to buy poor coverage just to save money. There are many occasions where someone dropped physical damage coverage and learned later that their decision to reduce coverage ended up costing them more. Your aim should be to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

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