Cheapest Ford Explorer Insurance in Santa Ana

Looking for cheaper Ford Explorer insurance in Santa Ana? Searching for the cheapest insurance for your Ford Explorer in California can normally be an all-consuming task, but you can follow our car insurance buying tips to find lower rates. There is a right way and a wrong way to compare car insurance rates so we're going to tell you the proper way to price shop coverage for your Ford and find the best price possible.

Consumers need to do price comparisons periodically because car insurance rates go up and down regularly. Just because you found the lowest rate on Ford Explorer insurance in Santa Ana last year you may be paying too much now. Don't believe everything you read about Explorer insurance out there, but in this article, you're going to get some great ways to slash your car insurance rates in Santa Ana.

Choosing the best rates in Santa Ana is actually quite simple. If you have insurance now or are shopping for new coverage, use these tips to buy cheaper auto insurance while maintaining coverages. Comparison shoppers just need to know the most efficient way to shop their coverage around over the internet.

The quickest method we recommend to compare insurance rates in your area is to realize most of the bigger providers allow for online access to quote your coverage. To get started, all you need to do is give them rating details like if it has an alarm system, your job, marital status, and how old drivers are. That rating information is sent automatically to insurance companies and they return cost estimate with very little delay.

To find the cheapest Ford Explorer insurance rates, click here and enter your coverage details.

The companies in the list below can provide quotes in Santa Ana, CA. If the list has multiple companies, we recommend you get price quotes from several of them to find the cheapest car insurance rates.

Insurance analysis for a Ford Explorer

The rate table shown next highlights estimates of insurance coverage prices for Ford Explorer models. Being aware of how rate quotes are calculated is important for drivers to make informed purchases.

Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Table data does not factor in your specific Santa Ana location which can increase or decrease coverage prices significantly.

Analysis of deductible levels

When buying insurance, a common question is how high or low should comp and collision deductibles be. The tables below may help to illustrate the differences in premium rates between low and high policy deductibles. The first data table uses a $250 deductible for physical damage and the second set of rates uses a $1,000 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Premium amounts do not factor in specific Santa Ana garaging location which can modify premium rates greatly.

Using the data above, we can ascertain that using a $250 deductible would cost the average driver about $31 more each month or $372 each year averaged for all Explorer models than quoting the higher $1,000 deductible. Because you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average at least 24 months between claim filings, you would save more money by selecting a higher deductible.

Tickets and at-fault accidents raise rates

The information below highlights how speeding tickets and at-fault collisions can raise Ford Explorer car insurance costs for each age group. The data assumes a single female driver, full coverage, $500 deductibles, and no other discounts are factored in.

Ford Explorer insurance premiums by gender and age

The information below compares Ford Explorer auto insurance costs for male and female drivers. The rate quotes are based on no violations or accidents, comp and collision included, $250 deductibles, drivers are single, and no discounts are applied to the premium.

Does full coverage make sense?

The example below illustrates the difference between Ford Explorer auto insurance rates with full physical damage coverage and with liability coverage only. The premiums are based on no violations or claims, $250 deductibles, single status, and no discounts are applied to the premium.

When to stop buying physical damage coverage

There is no specific rule to exclude physical damage coverage on your policy, but there is a general guideline. If the annual cost of your full coverage insurance is 10% or more of any settlement you would receive from your insurance company, then it might be time to buy liability only.

For example, let's pretend your Ford Explorer replacement cost is $5,000 and you have $1,000 deductibles. If your vehicle is severely damaged, you would only receive $4,000 after you pay the deductible. If you are currently paying more than $400 annually for physical damage coverage, then you might want to consider buying only liability coverage.

There are some cases where removing full coverage is not a good idea. If you still owe a portion of the original loan, you have to maintain full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not drop full coverage.

Why you need to buy car insurance

Despite the high insurance cost for a Ford Explorer in Santa Ana, maintaining insurance is required in California but it also protects you in many ways.

First, most states have compulsory liability insurance requirements which means you are required to carry a specific minimum amount of liability insurance coverage if you don't want to risk a ticket. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you have a loan on your Ford Explorer, it's guaranteed your bank will force you to carry insurance to guarantee their interest in the vehicle. If you default on your policy, the lender may insure your Ford for a much higher rate and require you to pay a much higher amount than you were paying before.

Third, car insurance protects not only your Ford but also your financial assets. It will also pay for all forms of medical expenses for yourself as well as anyone injured by you. Liability insurance also pays expenses related to your legal defense if you are named as a defendant in an auto accident. If mother nature or an accident damages your car, collision and comprehensive coverages will pay to have it repaired.

The benefits of having insurance definitely exceed the price paid, particularly if you ever have a claim. According to a 2015 survey, the average American driver is overpaying more than $855 a year so it's very important to do a rate comparison each time the policy renews to ensure rates are inline.

Insurance coverage options for a Ford Explorer

Learning about specific coverages of a insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for immediate expenses for things like EMT expenses, doctor visits and prosthetic devices. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as damage to your Ford Explorer.

Due to the fact that many California drivers have only the minimum liability required by law (15/30/5 in California), it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Coverage for collisions

This coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like backing into a parked car, crashing into a ditch, colliding with a tree and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible on your Explorer to bring the cost down.

Comprehensive insurance

This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hitting a deer, vandalism and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Liability auto insurance

This coverage will cover damage or injury you incur to other people or property. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 15/30/5 which stand for a limit of $15,000 per injured person, $30,000 for the entire accident, and property damage coverage for $5,000.

Liability coverage pays for claims such as pain and suffering, bail bonds and structural damage. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible. California state minimum liability requirements are 15/30/5 but it's recommended drivers buy better liability coverage.

The chart below demonstrates why buying low liability limits may not be high enough to adequately cover claims.

Quote more and you will save more

While you're price shopping online, it's very important that you do not skimp on coverage in order to save money. There have been many situations where someone sacrificed liability limits or collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy enough coverage at an affordable rate, but do not sacrifice coverage to save money.

Cheap Ford Explorer insurance in Santa Ana is possible on the web and from local agencies, and you need to price shop both to have the best rate selection. Some car insurance companies may not provide rate quotes online and most of the time these regional carriers only sell coverage through independent insurance agents.

We covered many ways to get a better price on Ford Explorer insurance in Santa Ana. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. Drivers may even discover the biggest savings come from the smaller companies.

How to buy discount Ford Explorer insurance in Santa Ana

If you want to save the most money, the best way to find affordable Ford Explorer insurance in Santa Ana is to compare quotes annually from providers in California.

Step 1: Take a few minutes and learn about policy coverages and the changes you can make to lower rates. Many things that drive up the price such as tickets, at-fault accidents, and a lousy credit rating can be rectified by making minor changes in your lifestyle.

Step 2: Compare rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only provide price estimates from a single company like GEICO and State Farm, while agents who are independent can provide price quotes from multiple sources.

Step 3: Compare the quotes to the premium of your current policy and see if you can save money. If you find a lower rate quote and decide to switch, ensure there is no coverage lapse between policies.

Step 4: Notify your current company to cancel your current policy. Submit payment along with a signed and completed policy application for your new policy. Don't forget to place the new certificate verifying coverage somewhere easily accessible.

A valuable tip to remember is to make sure you enter similar limits and deductibles on each price quote and and to compare every insurance company. Doing this helps ensure a fair rate comparison and the best price quote selection.

Even more information can be found at these sites:

• Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)
• What Insurance is Cheapest for a Learners Permit in Santa Ana? (FAQ)
• Who Has the Cheapest Auto Insurance for Single Moms in Santa Ana? (FAQ)
• Who Has Cheap Santa Ana Car Insurance Quotes for Teenage Females? (FAQ)
• Who Has Affordable Auto Insurance for Ride Shares in Santa Ana? (FAQ)
• Who Has the Cheapest Auto Insurance Quotes for Hybrid Vehicles in Santa Ana? (FAQ)
• Who Has the Cheapest Auto Insurance for a Kia Forte in Santa Ana? (FAQ)
• Vehicle Size and Weight FAQ (iihs.org)
• Top Signs Your Brakes are Giving Out (State Farm)
• Things to Know Before you Cancel Insurance (Allstate)
• Electronic Stability Control FAQ (iihs.org)