Truthfully, the best way to find the cheapest price for Ford Explorer insurance in Kansas City is to start comparing prices yearly from companies in Missouri.
First, read about how insurance works and the things you can control to drop your rates. Many rating factors that result in higher rates like accidents, traffic tickets, and a less-than-favorable credit score can be rectified by making minor driving habit or lifestyle changes. This article gives more ideas to help prevent costly coverage and find discounts that may have been missed.
Second, request rate estimates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only quote rates from a single company like GEICO or Farmers Insurance, while independent agencies can provide rate quotes from many different companies.
Third, compare the new quotes to your existing rates to determine if switching companies saves money. If you find a better price and change companies, make sure there is no lapse in coverage.
Fourth, provide proper notification to your current company to cancel your existing policy and submit a completed application and payment for the new coverage. Be sure to store the certificate of insurance along with the vehicle’s registration papers.
One tip to remember is to try to compare identical coverage information on each quote and to quote with as many companies as feasibly possible. Doing this enables a level playing field and a good representation of prices.
Unbelievable but true, most insurance customers kept their policy with the same company for four years or more, and almost 40% of drivers have never compared rates from other carriers. Drivers in Missouri can save hundreds of dollars each year just by shopping around, but they don’t want to take the time to find affordable insurance by shopping around.
Ford Explorer insurance rates and statistics
The coverage information displayed next outlines a range of policy rates for Ford Explorer models. Having a good grasp of how insurance quotes are calculated can assist in making decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Explorer XLT 2WD | $224 | $392 | $322 | $20 | $96 | $1,054 | $88 |
| Explorer Eddie Bauer 2WD | $224 | $392 | $322 | $20 | $96 | $1,054 | $88 |
| Explorer XLT 4WD | $224 | $392 | $322 | $20 | $96 | $1,054 | $88 |
| Explorer XLT AWD | $224 | $392 | $322 | $20 | $96 | $1,054 | $88 |
| Explorer Eddie Bauer 4WD | $254 | $476 | $322 | $20 | $96 | $1,168 | $97 |
| Explorer Eddie Bauer AWD | $254 | $476 | $322 | $20 | $96 | $1,168 | $97 |
| Explorer Limited 2WD | $254 | $476 | $322 | $20 | $96 | $1,168 | $97 |
| Explorer Limited 4WD | $254 | $476 | $322 | $20 | $96 | $1,168 | $97 |
| Explorer Limited AWD | $254 | $476 | $322 | $20 | $96 | $1,168 | $97 |
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Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Rates do not factor in vehicle location which can lower or raise prices considerably.
How Insurance Providers Determine Ford Explorer Insurance Prices
The best way to find cheaper insurance is to take a look at some of the elements that aid in calculating your insurance rates. If you have a feel for what positively or negatively impacts your premiums, this empowers consumers to make smart changes that could result in big savings. Multiple criteria are used when premium rates are determined. Most are fairly basic like an MVR report, but other factors are more obscure such as whether you are married or your vehicle rating.
- Safety first – Vehicles that have high safety ratings cost less to insure. These vehicles result in less severe injuries and any reduction in injury severity means less money paid by your insurance company which can result in lower premiums.
- Rates and occupation – Occupational choices like lawyers, police officers, and dentists usually pay higher average rates in part from intense work situations and extremely grueling work hours. Conversely, jobs like actors, historians and retirees pay lower than average rates.
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Insurance premiums are higher for high performance vehicles – The performance of the car you are trying to find cheaper insurance for makes a big difference in determining your rates. Lower cost passenger cars generally receive the lowest base rates, but there are many factors that impact the final cost.
The following chart is based on a single female driver age 30, full coverage with $100 deductibles, and no discounts or violations. It illustrates Ford Explorer insurance rates compared to other models of vehicles that have a range of performance risks.
- Save money by raising coverage deductibles – Insurance for physical damage, termed comprehensive and collision coverage on your policy, helps pay for damage to your vehicle. Some coverage claims could be a dented fender, vandalism, and having your car stolen. Comp and collision deductibles represent how much money you are required to pay if a claim is determined to be covered. The larger the amount you’re willing to pay, the lower your rates will be.
- Pay more if you have a long commute – Having an address in a rural area is a positive aspect when insuring your vehicles. Less people living in that area translates into fewer accident claims in addition to lower liability claims. Drivers in populated Missouri areas have much more traffic and longer commutes to work. More time commuting translates into higher accident risk.
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Women pay lower rates – The statistics show that men are more aggressive behind the wheel. However, don’t assume that women are BETTER drivers than men. Both genders get in accidents in similar percentages, but the males tend to have more serious accidents. In addition to higher claims, males also receive more costly citations such as DWI and reckless driving. Youthful male drivers have the highest risk to insure and therefore have the most expensive insurance rates.
The chart below shows the difference between Ford Explorer auto insurance costs for male and female drivers. The prices are based on no tickets, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, marital status is single, and no discounts are applied.
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Good drivers pay less – Whether or not you get tickets can have a huge impact on auto insurance premiums. Attentive drivers have lower premiums compared to drivers with tickets. Getting just one speeding ticket can increase the cost of insurance substantially. Drivers who have received severe citations such as DUI or reckless driving might be required by their state to submit a SR-22 form with the DMV in their state in order to keep their license.
The diagram below demonstrates how speeding tickets and at-fault collisions can influence Ford Explorer insurance costs for each age group. The rates are based on a married female driver, full physical damage coverage, $500 deductibles, and no discounts are taken into consideration.
- Liability coverage – Liability coverage provides coverage in the event that you are found liable for physical damage or personal injury to other. Your liability coverage provides legal defense coverage starting from day one. It is affordable coverage compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.
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Insurance loss statistics a Ford Explorer – Insurers study historical loss data when setting rates for each model. Models that the data shows to have high amounts or severity of claims will have higher premium rates.
The information below illustrates the insurance loss data used by companies for Ford Explorer vehicles. For each coverage type, the claim amount for all vehicles as a whole equals 100. Values below 100 suggest losses that are better than average, while values over 100 indicate higher probability of having a loss or a tendency for claims to be larger.
Ford Explorer Insurance Loss 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 BETTERAVERAGEWORSEStatistics from IIHS.org for 2013-2015 Model Years
Kansas City car insurance companies
Ending up with the highest-rated auto insurance provider can be challenging considering how many companies there are in Kansas City. The ranking information in the next section could help you choose which car insurance providers to look at when shopping your coverage around.
Top 10 Kansas City Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 92%
- American Family – 88%
- State Farm – 88%
- Nationwide – 88%
- 21st Century – 88%
- AAA Insurance – 87%
- Liberty Mutual – 87%
- Farmers Insurance – 87%
- The Hartford – 87%
- Progressive – 87%
Top 10 Kansas City Car Insurance Companies Ranked by Claims Service
- Progressive
- Travelers
- Liberty Mutual
- Nationwide
- USAA
- AAA Insurance
- GEICO
- Safeco Insurance
- Mercury Insurance
- Esurance
Affordable coverage is out there
You just learned a lot of ways to compare Ford Explorer insurance rates in Kansas City. The key thing to remember is the more you quote Kansas City auto insurance, the better likelihood of getting affordable Kansas City auto insurance quotes. You may even discover the best price on insurance is with some of the lesser-known companies. They may have significantly lower car insurance rates on certain market segments as compared to the big name companies such as Progressive or GEICO.
As you quote Kansas City auto insurance, don’t be tempted to sacrifice coverage to reduce premiums. In many instances, an insured dropped comprehensive coverage or liability limits and discovered at claim time that it was a big error on their part. Your goal is to buy the best coverage you can find at the best possible price, but don’t skip important coverages to save money.
To read more, feel free to visit the resources below:
- Event Data Recorders FAQ (iihs.org)
- How Much is Kansas City Car Insurance for Felons? (FAQ)
- Who Has Cheap Car Insurance for Homeowners in Kansas City? (FAQ)
- What Auto Insurance is Cheapest for Good Drivers in Kansas City? (FAQ)
- Who Has Affordable Auto Insurance Rates for a Company Car in Kansas City? (FAQ)
- How Much is Kansas City Auto Insurance for Drivers with Good Credit? (FAQ)
- Booster Seat Ratings (iihs.org)
- A Tree Fell on Your Car: Now What? (Allstate)