It's a known fact that auto insurance companies don't want policyholders to compare prices from other companies. Consumers who shop around for cheaper price quotes will most likely move their business because the odds are good of finding more affordable rates. A recent study showed that drivers who did price comparisons regularly saved about $865 a year as compared to drivers who never shopped around.
If finding the cheapest price for auto insurance is the reason you're here, learning how to get rate quotes and compare insurance rates can help make the process easier.
The best way we recommend to save on auto insurance rates in Santa Ana is to start comparing rates regularly from providers that sell auto insurance in California. Drivers can shop around by following these steps.
- Step 1: Get a basic knowledge of how auto insurance works and the things you can change to prevent rate increases. Many risk factors that increase rates such as speeding tickets, careless driving and a lousy credit rating can be rectified by making minor changes in your lifestyle.
- Step 2: Get rate quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give prices from a single company like GEICO or Farmers Insurance, while independent agencies can provide prices from many different companies. Find a Santa Ana insurance agent
- Step 3: Compare the quotes to your current policy premium to determine if you can save on Explorer Sport Trac insurance. If you find a lower rate, verify that coverage does not lapse between policies.
- Step 4: Provide adequate notice to your current company to cancel your current auto insurance policy. Submit a down payment along with a signed application to your new insurance company. As soon as you can, put the proof of insurance paperwork along with your vehicle registration.
One bit of advice is to use the same deductibles and limits on each quote and and to look at as many car insurance companies as possible. Doing this enables a fair rate comparison and the best price selection.
If you currently have a car insurance policy, you will definitely be able to reduce premiums using the ideas you're about to read. Locating the best rates in Santa Ana is actually very simple if you learn how to start. Although California consumers must comprehend how the larger insurance companies sell insurance online.
How do Car Insurance Companies Determine Ford Explorer Sport Trac Insurance Premiums?
Multiple criteria are used when quoting car insurance. Most are fairly basic such as your driving record, but some are not as apparent like your continuous coverage or your vehicle rating.
The itemized list below are some of the major factors utilized by car insurance companies to help set your rates.
Lower rates with a multi-policy discount - Many companies afford better rates to policyholders that have more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, it's in your best interest to compare other Santa Ana Explorer Sport Trac insurance rates to help guarantee you have the best rates.
Experienced drivers pay less - Older, more experienced drivers are more cautious drivers, are lower risk to insure, and are generally more financially stable. Young drivers are known to be more careless when driving so car insurance rates are higher.
The data below uses these variables: single driver, full coverage with $500 deductibles, and no discounts or violations.
Consider raising comp and collision deductibles - The deductibles you choose tell how much you are required to spend before your car insurance pays a claim. Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some examples of covered claims are collision with another vehicle, damage caused by hail, and damage caused by road hazards. The more damage repair cost you are required to pay out-of-pocket, the bigger discount you will receive.
City dwellers may pay more - Being located in areas with lower population has definite advantages when trying to find low car insurance rates. City drivers tend to have more auto accidents and more severe claims. Fewer drivers and short commutes translates into fewer accidents and lower theft and vandalism rates.
When should you file claims? - If you file a lot of claims don't be surprised to see higher rates. Insurance companies in California provide lower rates to policyholders who are claim-free. Your car insurance is designed for major claims that would cause financial hardship.
Having a spouse brings a discount - Walking down the aisle may earn you lower rates when buying car insurance. Having a significant other demonstrates that you tend to be more mature than a single person and it's statistically proven that married drivers get in fewer accidents.
Poor credit score equals high premiums - Having a bad credit score can be a huge factor in calculating your car insurance rates. If your credit rating leaves room for improvement, you could be paying less to insure your Ford Explorer Sport Trac by improving your credit score. People with excellent credit scores tend to be more responsible as compared to drivers with poor credit.
Ford Explorer Sport Trac coverage analysis
The premium information shown below covers detailed analysis of insurance premium costs for Ford Explorer Sport Trac models. Learning how insurance quotes are determined can aid in making smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Explorer Sport Trac XLT 2WD | $286 | $534 | $574 | $34 | $172 | $1,600 | $133 |
| Explorer Sport Trac Limited 2WD | $328 | $534 | $574 | $34 | $172 | $1,642 | $137 |
| Explorer Sport Trac XLT 4WD | $328 | $534 | $574 | $34 | $172 | $1,642 | $137 |
| Explorer Sport Trac Limited 4WD | $370 | $650 | $574 | $34 | $172 | $1,800 | $150 |
| Explorer Sport Trac Limited AWD | $370 | $650 | $574 | $34 | $172 | $1,800 | $150 |
| Get Your Own Custom Quote Go | |||||||
Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Prices do not factor in vehicle garaging location which can affect insurance rates considerably.
Ford Explorer Sport Trac insurance premiums by gender and age
The diagram below visualizes the comparison of Ford Explorer Sport Trac insurance costs for male and female drivers. The premiums assume no claims or driving citations, comp and collision included, $100 deductibles, drivers are single, and no discounts are applied.
How much more does full coverage cost?
The chart below visualizes the comparison of Ford Explorer Sport Trac insurance prices with and without physical damage coverage. The premiums are based on a clean driving record, no at-fault accidents, $100 deductibles, single marital status, and no discounts are factored in.
Are you wasting money paying for full coverage?
There is no clear-cut rule for eliminating physical damage insurance, but there is a general school of thought. If the annual cost of coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.
For example, let's pretend your Ford Explorer Sport Trac replacement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $4,000 after paying the physical damage deductible. If you are paying more than $400 a year for physical damage coverage, then it could be time to drop full coverage.
There are some circumstances where buying only liability insurance is not recommended. If you still owe a portion of the original loan, you are required to maintain full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not remove full coverage.
Companies offer many discounts on Ford Explorer Sport Trac insurance in Santa Ana
Some insurance providers don't always list their entire list of discounts in a way that's easy to find, so we break down both well-publicized as well as some of the hidden ways to save on insurance.
- Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and qualify for as much as a 10% discount.
- Responsible Driver Discount - Drivers who avoid accidents could pay up to 40% less as compared to drivers with claims.
- Sign Early and Save - Some larger companies reward drivers for renewing your policy before your current coverage expires. You can save around 10% with this discount.
- Pay Now and Pay Less - If you pay your entire premium ahead of time as opposed to paying monthly you may reduce your total bill.
- Student in College - Children who live away from home at college and leave their car at home may qualify for this discount.
- Air Bag Discount - Vehicles equipped with air bags could see savings up to 30%.
Consumers should know that many deductions do not apply to your bottom line cost. Most only apply to specific coverage prices like liability and collision coverage. Despite the fact that it seems like you could get a free insurance policy, companies don't profit that way.
The chart below shows the comparison of Ford Explorer Sport Trac insurance costs with and without discounts being applied to the rates. The data assumes a male driver, no tickets, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, marriage, homeowner, multi-policy, and claim-free discounts applied.
Insurance companies that may include many of the previously listed discounts are:
Before you buy a policy, ask each company or agent which discounts they offer. Some of the discounts discussed earlier might not be offered on policies in Santa Ana. To choose companies with the best Ford Explorer Sport Trac insurance discounts in Santa Ana, click here to view.
California auto insurance company ratings
Picking the top insurance provider can be rather challenging considering how many choices you have in Santa Ana. The rank data shown next may help you analyze which providers you want to consider buying from.
Top 10 Santa Ana Car Insurance Companies Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
Top 10 Santa Ana Car Insurance Companies by A.M. Best Rank
- USAA - A++
- Travelers - A++
- State Farm - A++
- GEICO - A++
- Esurance - A+
- Nationwide - A+
- Allstate - A+
- Mercury Insurance - A+
- Progressive - A+
- Titan Insurance - A+
Compare car insurance rates regularly to save
People leave their current company for a number of reasons such as delays in paying claims, high prices, an unsatisfactory settlement offer or policy non-renewal. No matter why you want to switch, switching companies is pretty easy and you might even save some money in the process.
You just read many ways to shop for Ford Explorer Sport Trac insurance online. It's most important to understand that the more companies you get auto insurance rates for, the better your comparison will be. Consumers may even find the most savings is with a company that doesn't do a lot of advertising.
Cheap Ford Explorer Sport Trac insurance in Santa Ana can be sourced online as well as from independent agents in Santa Ana, and you should be comparing both so you have a total pricing picture. A few companies do not offer price quotes online and most of the time these regional carriers only sell through local independent agents.
More tips and info about car insurance is located by following these links:
- Winter Driving (Insurance Information Institute)
- Who Has Cheap Santa Ana Car Insurance Rates for Postal Workers? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Drivers with a DUI in Santa Ana? (FAQ)
- Who Has the Cheapest Santa Ana Auto Insurance Quotes for a Honda CR-V? (FAQ)
- How Much is Auto Insurance for Teenage Males in Santa Ana? (FAQ)
- Teen Driving Statistics (GEICO)
- How Can I Save Money on Auto Insurance? (Insurance Information Institute)
- Tools for Teen Driving Safety (State Farm)