Ford Explorer Sport Trac Insurance Rate Quotes in Atlanta

Discount Ford Explorer Sport Trac insuranceWant to know how to find more affordable car insurance rates in Atlanta, GA? Atlanta buyers have lots of choices when searching for low-cost Ford Explorer Sport Trac insurance. They can either waste time contacting agents trying to get quotes or save time using the internet to get rate quotes. There are both good and bad ways to shop for car insurance so we’re going to tell you the quickest way to quote coverages for a Ford and locate the best price possible either online or from Atlanta insurance agents.

Locating the most cost-effective auto insurance policy in Atlanta is quite easy. If you have a current auto insurance policy, you will be able to lower your rates using these techniques. Drivers only need an understanding of the tricks to compare rate quotes from many different companies.

Auto insurance policy discounts for Ford Explorer Sport Trac insurance in Atlanta

The price of auto insurance can be rather high, but you might already qualify for some discounts that could drop your premiums quite a bit. Certain discounts will be applied at quote time, but a few must be requested specifically in order for you to get them.

Keep in mind that most discounts do not apply to all coverage premiums. Most only cut specific coverage prices like collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, auto insurance companies aren’t that generous.

A few popular companies and some of their more popular discounts are included below.

Check with each company or agent what discounts are available to you. A few discounts may not be available in Atlanta. To find insurance companies who offer discounts in Georgia, follow this link.

The companies shown below provide free quotes in Atlanta, GA. If several companies are displayed, we suggest you visit two to three different companies to get a more complete price comparison.

Ford Explorer Sport Trac Insurance Rates in Atlanta, GA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer Sport Trac XLT 2WD $294 $518 $532 $32 $158 $1,534 $128
Explorer Sport Trac Limited 2WD $146 $226 $378 $22 $114 $886 $74
Explorer Sport Trac XLT 4WD $144 $220 $370 $22 $110 $866 $72
Explorer Sport Trac Limited 4WD $392 $512 $516 $30 $154 $1,604 $134
Explorer Sport Trac Limited AWD $164 $268 $370 $22 $110 $934 $78
Get Your Own Custom Quote Go

Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Estimates do not factor in specific location information which can alter auto insurance rates considerably.

Age, gender, and Ford Explorer Sport Trac insurance

The diagram below shows the difference between Ford Explorer Sport Trac insurance premiums for male and female drivers. The data is based on no accidents or driving violations, full physical damage coverage, $1,000 deductibles, drivers are not married, and no other discounts are factored in.

Comparison of policy deductibles

The chart below shows how choosing a deductible and can raise or lower Ford Explorer Sport Trac insurance prices for each age group. The premiums assume a married female driver, full physical damage coverage, and no other discounts are factored in.

Full coverage rates compared to liability-only

The example below shows the difference between Ford Explorer Sport Trac insurance costs with full coverage and liability only. The rate quotes are based on no claims or driving citations, $1,000 deductibles, single female driver, and no policy discounts are applied.

When to drop comp and collision

There is no exact rule to stop buying comp and collision coverage, but there is a general guideline. If the yearly cost of full coverage is more than around 10% of replacement cost minus your deductible, then it could be time to drop full coverage.

For example, let’s pretend your Ford Explorer Sport Trac claim settlement value is $7,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most you would receive is $6,000 after paying the physical damage deductible. If you are currently paying more than $600 annually for your policy with full coverage, then you might consider buying liability only.

There are some cases where removing full coverage is not advised. If you still have a lienholder on your title, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if you can’t afford to buy a different vehicle in case of an accident, you should not consider dropping full coverage.

Find Cheaper Insurance with These Tips

Lots of factors are part of the calculation when pricing auto insurance. Some factors are common sense such as traffic violations, but other factors are less obvious such as your credit history or how financially stable you are. One of the most helpful ways to save on insurance is to to have a grasp of the rating factors that play a part in calculating insurance rates. When consumers understand what determines premiums, this enables you to make decisions that could help you find lower premium levels.

Shown below are just a few of the factors used by your company to calculate premiums.

Auto insurance agents can help

Some people still like to buy from a licensed agent and that is just fine! Insurance agents are trained risk managers and give you someone to call. The biggest benefit of price shopping on the web is that drivers can save money and get cheap car insurance quotes and still have a local agent.

Insurance agents in AtlantaAfter filling out this simple form, the quote information is sent to insurance agents in Atlanta who will give you quotes for your business. There is no need to even leave your home because prices are sent to the email address you provide. If you wish to get a price quote from a specific car insurance provider, you would need to navigate to their website and fill out the quote form the provide.

Choosing the best company is decision based upon more than just the price. The following questions are important to ask.

When narrowing the list to find a reputable insurance agent or broker, it can be helpful to understand the different types of agents and how they can quote your rates. Agents are considered either independent or exclusive depending on the company they work for. Either type can do a good job, but it is a good idea to know the difference between them because it can influence buying decisions.

Exclusive Insurance Agents

These type of agents can only provide one company’s prices like Allstate, Farmers Insurance or State Farm. Exclusive agents cannot provide rate quotes from other companies so you might not find the best rates. Exclusive agents are very knowledgeable on their products and sales techniques which aids in selling service over price. Some consumers prefer to purchase coverage from exclusives mainly due to the prominent brand name and solid financial strength.

The following are exclusive agents in Atlanta that are able to give price quotes.

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Independent Car Insurance Agencies

Independent insurance agents often have affiliation with several companies so they can quote policies with a variety of different insurance companies and find the cheapest rate. To move your coverage to a new company, the business is moved internally and you don’t have to switch agencies.

When comparison shopping, we recommend you include at a minimum one independent agency for maximum quote selection. They also have the ability to place coverage with companies you’ve never heard of that may have much lower rates than larger companies.

Below are independent insurance agents in Atlanta willing to provide rate quotes.

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Three main reasons to buy car insurance

Despite the high cost of buying insurance for a Ford Explorer Sport Trac in Atlanta, paying for car insurance is required in Georgia but it also protects you in many ways.

The benefits of buying car insurance are without a doubt worth the cost, particularly if you ever have a claim. According to a recent study, the average American driver overpays more than $750 every year so we recommend shopping around at every renewal to ensure rates are inline.

Get the best coverage at the lowest price

Consumers who switch companies do it for a number of reasons such as being labeled a high risk driver, poor customer service, policy cancellation or even an unsatisfactory settlement offer. Regardless of your reason, finding the right insurance provider is easier than you think.

We’ve covered a lot of techniques to save on Ford Explorer Sport Trac insurance in Atlanta. It’s most important to understand that the more you quote Atlanta auto insurance, the better your comparison will be. Drivers may even discover the biggest savings come from an unexpected company.

Cheaper insurance in Atlanta can be bought both online and with local Atlanta insurance agents, and you should compare rates from both in order to have the best price selection to choose from. There are still a few companies who do not provide rates over the internet and most of the time these small, regional companies only sell coverage through local independent agents.

Even more information can be found at these sites: