Would you like an easy way to compare lower-priced Ford Explorer Sport Trac insurance in Kansas City? Did you fall for a flashy sales pitch and buy an under-performing, overpriced car insurance policy? Say no more because there are many people just like you.
It’s an obvious statement that car insurance companies want to prevent you from shopping around. People who shop around for cheaper rates will, in all likelihood, switch to a new company because there is a significant possibility of finding better rates. A recent survey discovered that drivers who routinely compared rates saved an average of $865 annually compared to those who don’t make a habit of comparing rates.
If finding the cheapest price for insurance in Kansas City is your objective, then knowing the best ways to find and compare insurance can help make the process easier. Many insurers compete for your hard-earned dollar, and it can be difficult to compare rates and get the definite lowest rate on Ford Explorer Sport Trac insurance in Kansas City.
It is always a good idea to compare prices before your policy renews because insurance prices fluctuate regularly. Despite the fact that you may have had the best price on Ford Explorer Sport Trac insurance in Kansas City two years ago you may be paying too much now. Block out anything you think you know about car insurance because we’re going to demonstrate the best methods to reduce your cost while improving coverage.
If you already have coverage or just want to save money, you can learn to reduce premiums while maintaining coverages. Finding the cheapest insurance coverage in Kansas City is quite easy. Drivers just have to learn the quickest method to buy insurance from many different companies online.
Low Cost car insurance in Kansas City, MO
The car insurance companies shown below provide price comparisons in Kansas City, MO. To get the best auto insurance in Kansas City, it’s a good idea that you compare several of them in order to find the most competitive rates.
Ford Explorer Sport Trac insurance statistics and information
The rate information below showcases detailed analysis of insurance prices for Ford Explorer Sport Trac models. Having a good grasp of how premiums are determined is important for making smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Explorer Sport Trac XLT 2WD | $196 | $392 | $322 | $20 | $96 | $1,026 | $86 |
| Explorer Sport Trac Limited 2WD | $224 | $392 | $322 | $20 | $96 | $1,054 | $88 |
| Explorer Sport Trac XLT 4WD | $224 | $392 | $322 | $20 | $96 | $1,054 | $88 |
| Explorer Sport Trac Limited 4WD | $254 | $476 | $322 | $20 | $96 | $1,168 | $97 |
| Explorer Sport Trac Limited AWD | $254 | $476 | $322 | $20 | $96 | $1,168 | $97 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Rates do not factor in vehicle garaging location which can raise or lower coverage prices considerably.
Physical damage deductibles: Should you raise them?
One frequently asked question is how low should you set your deductibles. The rates below sum up the costs and benefits when you select higher and lower comp and collision deductibles. The first set of rates uses a $250 deductible for comprehensive and collision coverage and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Explorer Sport Trac XLT 2WD | $180 | $286 | $266 | $16 | $80 | $853 | $71 |
| Explorer Sport Trac Limited 2WD | $206 | $286 | $266 | $16 | $80 | $879 | $73 |
| Explorer Sport Trac XLT 4WD | $206 | $286 | $266 | $16 | $80 | $879 | $73 |
| Explorer Sport Trac Limited 4WD | $232 | $346 | $266 | $16 | $80 | $965 | $80 |
| Explorer Sport Trac Limited AWD | $232 | $346 | $266 | $16 | $80 | $965 | $80 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Explorer Sport Trac XLT 2WD | $146 | $230 | $266 | $16 | $80 | $738 | $62 |
| Explorer Sport Trac Limited 2WD | $168 | $230 | $266 | $16 | $80 | $760 | $63 |
| Explorer Sport Trac XLT 4WD | $168 | $230 | $266 | $16 | $80 | $760 | $63 |
| Explorer Sport Trac Limited 4WD | $188 | $280 | $266 | $16 | $80 | $830 | $69 |
| Explorer Sport Trac Limited AWD | $188 | $280 | $266 | $16 | $80 | $830 | $69 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Price estimates do not factor in vehicle location which can increase or decrease rates considerably.
We can derive from the above data that using a $250 deductible costs approximately $10 more each month or $120 for a full year than choosing the higher $500 deductible. Because you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you normally go more than 25 months between claim filings, you would come out ahead if you choose the higher deductible.
The diagram below demonstrates how choosing different deductibles and can influence Ford Explorer Sport Trac annual premium costs for different ages of insureds. The rate quotes are based on a married male driver, comp and collision included, and no discounts are factored in.
Gender-based car insurance premiums in Kansas City
The chart below shows the difference between Ford Explorer Sport Trac insurance prices for male and female drivers. The premium estimates are based on no accidents, no driving violations, full coverage, $100 deductibles, single marital status, and no discounts are applied to the premium.
Full coverage rates compared to liability-only
The illustration below shows the comparison of Ford Explorer Sport Trac insurance costs with liability coverage only compared to full coverage. The data is based on no violations or accidents, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.
Guidelines for dropping full coverage
There is no exact rule to drop physical damage insurance, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is more than about 10% of the settlement you would receive from your company, then you may need to consider dropping full coverage.
For example, let’s say your Ford Explorer Sport Trac book value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company will settle for is $7,000 after the policy deductible has been paid. If you are paying in excess of $700 a year for your policy with full coverage, then it could be time to drop full coverage.
There are some situations where dropping full coverage is not in your best interest. If you haven’t satisfied your loan, you have to keep full coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not drop full coverage.
Ford Explorer Sport Trac insurance discounts in Kansas City
Buying insurance is not cheap, but you might be missing out on some discounts that could drop your premiums quite a bit. Some trigger automatically when you quote, but some discounts are required to be requested specifically before they will apply.
- Save with a New Car – Insuring a new Explorer Sport Trac can be considerably cheaper because newer vehicles are generally safer.
- Anti-lock Brakes – Cars, trucks, and SUVs equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
- Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
- Federal Employees – Being employed by or retired from a federal job could qualify for a slight premium decrease but check with your company.
- Distant College Student Discount – Children who are enrolled in higher education away from home and won’t have access to an insured vehicle can receive lower rates.
- Payment Discounts – By paying your policy upfront rather than paying monthly you can avoid monthly service charges.
- Drive Less and Save – Low mileage vehicles may enable drivers to earn lower insurance rates due to less chance of an accident.
- Driver’s Education for Students – Teen drivers should successfully complete driver’s ed class as it can save substantially.
- E-sign – A few insurance companies may give you up to $50 for signing up on the web.
- Bundled Policy Discount – If you can combine your auto and home policy with the same insurance company you will save 10% to 20% off each policy.
Discounts reduce rates, but you should keep in mind that many deductions do not apply to your bottom line cost. Most only cut individual premiums such as liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, it’s just not the way it works. Any qualifying discounts should help lower your premiums.
The illustration below visualizes the comparison of Ford Explorer Sport Trac insurance costs with and without discounts. The prices are based on a female driver, no claims or driving citations, Missouri state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, safe-driver, marriage, claim-free, and multi-car discounts applied.
Some of the insurance companies that may have most of these discounts are:
Double check with all companies you are considering what discounts are available to you. Depending on the company, some discounts might not apply in your area.
Local Kansas City insurance agencies
Many drivers still prefer to talk to an insurance agent and there is nothing wrong with that. Good insurance agents can answer important questions and help in the event of a claim. One of the benefits of getting online price quotes is you may find lower car insurance rates and still have an agent to talk to.
By using this form (opens in new window), your insurance coverage information is sent to companies in Kansas City that provide free Kansas City car insurance quotes to get your business. You won’t even need to contact any agents as quotes are delivered immediately to your email address. If for some reason you want to compare rates from a specific company, just visit that company’s website and give them your coverage information.
Selecting an company should include more criteria than just the price. The questions below may impact your decision as well.
- Is every driver in your family covered?
- Will you get a loaner vehicle if you car is being repaired?
- Are they giving you every discount you deserve?
- How long has the business existed?
- Can they help ensure a fair claim settlement?
- How is replacement cost determined on your vehicle?
- Where would glass claims be handled in Kansas City?
Not all auto insurance agents are the same
When searching for a good insurance agency, you must know there are a couple types of agencies and how they operate. Auto insurance agents can be described as either independent agents or exclusive agents. Either type can handle auto insurance, but it’s good to learn the differences because it may have an impact on buying decisions.
Exclusive Insurance Agencies
Exclusive agencies are contracted to one company such as AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents cannot compare other company’s rates so they have to upsell other benefits. Exclusive insurance agents receive a lot of sales training on the products they sell which helps them sell insurance even at higher premiums.
Listed below are Kansas City exclusive insurance agents willing to provide comparison quotes.
American Family Insurance – Keith Powell Agency Inc.
21 Linwood Blvd – Kansas City, MO 64111 – (816) 753-0777 – View Map
Farmers Insurance – Alisha Elliott
851 NW 45th St #301 – Kansas City, MO 64116 – (816) 841-9494 – View Map
Debbie Baker Krough – State Farm Insurance Agent
6300 Walnut – Kansas City, MO 64113 – (816) 361-4200 – View Map
Independent Auto Insurance Agents
Independent insurance agents do not work for one specific company so they can write business through many different auto insurance companies and help determine which has the cheapest rates. If you want to switch companies, the business is moved internally and the insured can keep the same agent. If you are comparing rate quotes, we recommend you compare prices from multiple independent agents to get the best comparison.
Listed below is a list of independent agents in Kansas City that are able to give price quotes.
Antioch Insurance Agency
214 NE Barry Rd – Kansas City, MO 64155 – (816) 454-0400 – View Map
McLaughlin Insurance Agency
406 W 34th St #802 – Kansas City, MO 64111 – (816) 931-3341 – View Map
Fusion Insurance Agency
5920 Wilson Ave – Kansas City, MO 64123 – (816) 470-9050 – View Map
A conclusion for your auto insurance search
Cheaper auto insurance in Kansas City can be sourced on the web and also from your neighborhood Kansas City agents, so get free Kansas City car insurance quotes from both of them to have the best selection. Some insurance providers do not offer rates over the internet and usually these regional carriers provide coverage only through independent agents.
We just covered some good ideas how you can find cheaper Ford Explorer Sport Trac insurance in Kansas City. The key concept to understand is the more quotes you get, the better your chances of lowering your rates. You may even be surprised to find that the best price on auto insurance is with some of the smallest insurance companies. They can often insure niche markets at a lower cost as compared to the big name companies such as Progressive and GEICO.
How to save money on Ford Explorer Sport Trac insurance in Kansas City
It takes a little time, but the best way to find cheaper Ford Explorer Sport Trac insurance is to annually compare prices from insurers in Kansas City.
Step 1: Try to learn a little about how insurance companies determine prices and the changes you can make to lower rates. Many risk factors that result in higher rates such as careless driving and bad credit can be rectified by making minor driving habit or lifestyle changes.
Step 2: Compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only quote rates from one company like GEICO and State Farm, while independent agencies can provide price quotes for many different companies.
Step 3: Compare the quotes to your existing rates and determine if there is any savings. If you can save money, ensure coverage does not lapse between policies.
Step 4: Provide written notification to your current company of your intention to cancel your current auto insurance policy. Submit a completed policy application and payment for the new policy. Once received, place the new proof of insurance paperwork in your vehicle.
The most important part of shopping around is that you use the same amount of coverage on every quote and and to analyze as many different companies as possible. This ensures a fair price comparison and a thorough price selection.
For more information, feel free to visit the resources below:
- Understanding Your Insurance Deductible (Insurance Information Institute)
- What Insurance is Cheapest for a Learners Permit in Kansas City? (FAQ)
- What Insurance is Cheapest for a Jeep Wrangler in Kansas City? (FAQ)
- How Much are Car Insurance Quotes for Good Students in Kansas City? (FAQ)
- Vehicle Insurance in the U.S. (Wikipedia)
- Determining Auto Insurance Rates (GEICO)
- How to shop for a safer car (Insurance Institute for Highway Safety)