Save Money on Ford Explorer Insurance in Atlanta

Buying the most affordable Atlanta Ford Explorer insurance quotes can appear to be impossible for vehicle owners new to comparison shopping over the internet. With such a large number of agents and insurers available, how are we expected to possibly compare the different rates to find the cheapest price possible?

Discount Ford Explorer insuranceUnbelievable but true according to a study a large majority of auto insurance policyholders kept buying from the same company for at least four years, and nearly 40% of drivers have never even shopped around for lower-cost coverage. Most drivers in Georgia could save $1,000 each year, but most tend to underestimate how much savings they would realize if they switched.

Ford Explorer insurance discounts in Atlanta

Not many people think insurance is cheap, but there may be some discounts that can dramatically reduce your bill. Some of these discounts will be visible at the time you complete a quote, but some discounts are required to be specially asked for prior to getting the savings.

As a footnote on discounts, most discount credits are not given to the overall cost of the policy. Most only apply to specific coverage prices like collision or personal injury protection. So even though they make it sound like adding up those discounts means a free policy, you won't be that lucky.

A few companies that have most of the discounts above may include but are not limited to:

Before buying, ask all the companies how you can save money. Some discounts listed above might not be offered in Atlanta. For a list of companies that have a full spectrum of discounts in Atlanta, click here.

Cheapest Ford Explorer insurance rate quotes in Atlanta

Most companies like State Farm, GEICO and Progressive allow consumers to get insurance quotes on the web. Getting quotes for Ford Explorer insurance in Atlanta is fairly simple as you just type in your coverage information into the form. After you submit the form their system gets information on your driving record and credit history and returns a price quote based on the information you submitted.

Quoting online for Ford Explorer insurance in Atlanta makes it easy to compare insurance prices and it is imperative to have as many quotes as possible if you want to get the best rate on car insurance.

To quickly find out if lower rates are available, compare rates now from the companies shown below. If you currently have coverage, we recommend you replicate deductibles and limits just like they are on your policy. Doing this guarantees you will be getting rate quotes based on similar coverages.

The companies in the list below provide quotes in Georgia. If multiple providers are shown, we suggest you click on several of them to get the cheapest price.

Ford Explorer Insurance Rates in Atlanta, GA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $242 $390 $476 $28 $142 $1,278 $107
Explorer Eddie Bauer 2WD $162 $272 $444 $26 $134 $1,038 $87
Explorer XLT 4WD $324 $568 $512 $30 $154 $1,588 $132
Explorer XLT AWD $304 $420 $394 $24 $118 $1,260 $105
Explorer Eddie Bauer 4WD $240 $404 $444 $26 $134 $1,248 $104
Explorer Eddie Bauer AWD $332 $502 $402 $24 $120 $1,380 $115
Explorer Limited 2WD $336 $590 $476 $28 $142 $1,572 $131
Explorer Limited 4WD $296 $528 $444 $26 $134 $1,428 $119
Explorer Limited AWD $336 $590 $476 $28 $142 $1,572 $131
Get Your Own Custom Quote Go

Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Rate quotes do not factor in specific Atlanta garaging location which can alter coverage rates noticeably.

Higher deductibles lower rates

One common question asked by Atlanta drivers is what deductibles to buy. The comparison tables below outline the cost difference between low and high physical damage deductibles. The first set of prices uses a $100 deductible and the second set of rates uses a $500 deductible.

Ford Explorer insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $338 $502 $394 $24 $118 $1,401 $117
Explorer Eddie Bauer 2WD $338 $502 $394 $24 $118 $1,401 $117
Explorer XLT 4WD $338 $502 $394 $24 $118 $1,401 $117
Explorer XLT AWD $338 $502 $394 $24 $118 $1,401 $117
Explorer Eddie Bauer 4WD $382 $612 $394 $24 $118 $1,555 $130
Explorer Eddie Bauer AWD $382 $612 $394 $24 $118 $1,555 $130
Explorer Limited 2WD $382 $612 $394 $24 $118 $1,555 $130
Explorer Limited 4WD $382 $612 $394 $24 $118 $1,555 $130
Explorer Limited AWD $382 $612 $394 $24 $118 $1,555 $130
Get Your Own Custom Quote Go
Ford Explorer insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $248 $340 $394 $24 $118 $1,124 $94
Explorer Eddie Bauer 2WD $248 $340 $394 $24 $118 $1,124 $94
Explorer XLT 4WD $248 $340 $394 $24 $118 $1,124 $94
Explorer XLT AWD $248 $340 $394 $24 $118 $1,124 $94
Explorer Eddie Bauer 4WD $278 $414 $394 $24 $118 $1,228 $102
Explorer Eddie Bauer AWD $278 $414 $394 $24 $118 $1,228 $102
Explorer Limited 2WD $278 $414 $394 $24 $118 $1,228 $102
Explorer Limited 4WD $278 $414 $394 $24 $118 $1,228 $102
Explorer Limited AWD $278 $414 $394 $24 $118 $1,228 $102
Get Your Own Custom Quote Go

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Estimates do not factor in garaging location in Atlanta which can impact prices noticeably.

Based on this data, using a $100 deductible will cost you approximately $26 more each month or $312 each year than selecting the higher $500 deductible. Since the policyholder would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you go at least 15 months between claims, you would probably save some money by selecting a higher deductible.

How accidents and violations affect rates

The illustration below illustrates how traffic citations and at-fault accidents raise Ford Explorer insurance costs for each different age category. The premiums assume a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.

Car insurance cost for men versus women in Atlanta

The chart below shows the difference between Ford Explorer insurance premiums for male and female drivers. The premiums assume no claims or violations, comprehensive and collision coverage, $500 deductibles, drivers are not married, and no discounts are applied.

How Insurers Determine Ford Explorer Insurance Premiums

Many factors are considered when you get a price on insurance. Some factors are common sense like a motor vehicle report, but some are not as apparent such as whether you are married or your financial responsibility.

Shown below are a few of the things that factor into your premiums.

Car insurance can get complicated

When it comes to adequate coverage for your vehicles, there really is no "perfect" insurance plan. Your financial needs are unique.

For example, these questions can help discover if your insurance needs would benefit from professional advice.

If you can't answer these questions, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Buying auto insurance from Atlanta insurance agents

Many drivers would prefer to talk to an insurance agent and doing so can bring peace of mind One of the best bonuses of getting online price quotes is you may find lower rates and still have a local agent. Putting coverage with small agencies is important especially in Atlanta.

Insurance agents in AtlantaFor easy comparison, once you complete this short form, your information is transmitted to companies in Atlanta who will return price quotes for your coverage. It simplifies rate comparisons since you won't have to find an agent because prices are sent to you directly. You can get cheaper auto insurance rates AND an agent nearby. If you need to get a rate quote from one company in particular, you would need to go to their quote page and fill out the quote form the provide.

Picking the best insurer should include more criteria than just the quoted price. These questions are important to ask:

Upon receiving good answers to any questions you have and a low price estimate, most likely you have located an provider that is a good match to properly service your auto insurance policy.

Why do I need car insurance?

Even though Atlanta Explorer insurance rates can get expensive, paying for car insurance is mandatory in Georgia but it also protects more than you think.

The benefits of having car insurance are without a doubt worth the cost, specifically if you ever have a liability claim. Today the average American driver is currently overpaying as much as $869 every year so compare rates at every policy renewal to save money.

A little work can save a LOT of money

More affordable car insurance in Atlanta is available on the web as well as from insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance companies may not offer rates over the internet and many times these small, regional companies sell through independent agencies.

You just read many ways to lower your Ford Explorer insurance premium rates in Atlanta. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may even discover the lowest premium rates come from a smaller regional carrier.

People switch companies for any number of reasons including policy non-renewal, denial of a claim, policy cancellation and unfair underwriting practices. It doesn't matter why you want to switch switching car insurance companies is not as difficult as it may seem.

More tips and info about car insurance is available by following these links: