Best Ways to Save on Kansas City Ford Explorer Sport Trac Insurance

Insurance rates Ford Explorer Sport Trac in Kansas CityWould 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.

Ford Explorer Sport Trac Insurance Rates in Kansas City, MO
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
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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.

Ford Explorer Sport Trac insurance prices with $250 deductibles
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
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Ford Explorer Sport Trac insurance prices with $500 deductibles
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
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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.

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.

Find insurance agent in Kansas CityBy 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.

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.

21 Linwood BlvdKansas City, MO 64111(816) 753-0777View Map

851 NW 45th St #301Kansas City, MO 64116(816) 841-9494View Map

6300 WalnutKansas City, MO 64113(816) 361-4200View Map

More Kansas City agents

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.

214 NE Barry RdKansas City, MO 64155(816) 454-0400View Map

406 W 34th St #802Kansas City, MO 64111(816) 931-3341View Map

5920 Wilson AveKansas City, MO 64123(816) 470-9050View Map

More Kansas City agents

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.

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