Compare Ford Explorer Insurance Quotes in Baltimore

Purchasing the cheapest Baltimore Ford Explorer insurance quotes might appear rather difficult for vehicle owners not familiar with comparing prices over the internet. With dozens of companies competing online, how can anyone effectively compare every auto insurance company to find cheaper auto insurance prices?

It goes without saying that auto insurance companies don’t want their policyholders to compare prices. People who shop rates annually will probably switch companies because they stand a good chance of finding a more affordable policy. A recent study showed that people who shopped around every year saved over $850 each year compared to other drivers who never compared rates.

If finding the most affordable car insurance in Baltimore is your ultimate target, knowing how to find and compare insurance rates can help you succeed in saving money.

You need to do rate comparisons quite often because insurance prices are constantly changing. Even if you think you had the best rates on Ford Explorer insurance in Baltimore at your last renewal you can probably find a better premium rate now. Forget all the misinformation about auto insurance because you’re going to learn how to use online quotes to lower your annual insurance bill.

Get More Affordable Insurance with These Tips

Multiple criteria are used in the calculation when quoting car insurance. Some of the criteria are obvious like your driving record, but other criteria are not quite as obvious such as your credit history or your financial responsibility.

Infrequent drivers can save – The higher the miles on your Ford annually the more you’ll pay to insure your vehicle. Many insurance companies calculate prices based upon how the vehicle is primarily used. Vehicles that have low annual miles can get a lower rate than vehicles that have high annual mileage. Make sure your insurance declarations sheet is rated on how each vehicle is driven, because it can save money. An improperly rated Explorer may be wasting your money.

Liability protection preserves assets – Liability insurance will provide protection when you are determined to be liable for causing damage or personal injury in an accident. It provides for a legal defense which can be incredibly expensive. This coverage is very inexpensive compared to comp and collision, so drivers should make sure they buy enough to cover all assets.

Traffic violations cost more than a fine – Drivers who don’t get tickets have lower premiums as compared to those with violations. Only having one driving citation could increase your next policy renewal substantially. Drivers who have received dangerous violations such as hit and run, DWI or reckless driving convictions may find they need to prove financial responsibility with their state in order to legally drive a vehicle.

The illustration below shows how violations and at-fault accidents increase Ford Explorer car insurance costs for each age group. The rates are based on a single male driver, comp and collision included, $250 deductibles, and no discounts are applied.

Don’t cancel your insurance policy without a new one in place – Not maintaining insurance is a big no-no and you will pay a penalty because you let your coverage have a gap. And not only will insurance be more expensive, the inability to provide proof of insurance may result in a revoked license or a big fine.

Gender and insurance prices – The statistics show that women are safer drivers than men. Now that doesn’t mean females are better drivers. Females and males cause auto accidents in similar percentages, but the male of the species have costlier accidents. Men also get ticketed for serious violations like driving under the influence (DUI).

The illustration below visualizes the comparison of Ford Explorer annual premium costs for male and female drivers. Data assumes no claims or driving citations, full coverage, $1,000 deductibles, drivers are not married, and no other discounts are factored in.

Ford Explorer claim probability – Insurers analyze claim trends for every vehicle to determine a rate that will be profitable for them. Models that the data shows to have a trend towards higher claims will have increased rates. The next table illustrates the insurance loss data used by companies for Ford Explorer vehicles.

For each type of coverage, the claim amount for all vehicles compiled together is considered to be 100. Values under 100 imply a favorable loss record, while percentage numbers above 100 indicate more frequent claims or an increased probability of a larger loss.

Coverage information

The price information displayed next covers a range of insurance premium costs for Ford Explorer models. Having a better idea how auto insurance prices are formulated can be of help when making smart choices when buying a car insurance policy.

Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Maryland minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Rate quotes do not factor in vehicle garaging location which can influence coverage rates greatly.

Policy deductible comparison

When comparing car insurance rates, the most common question is how high should the deductibles for physical damage be. The tables below determine how much more you’ll pay when you choose different coverage deductibles. The first data table uses a $100 deductible and the second data table uses a $500 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Maryland minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Table data does not factor in specific location which can lower or raise coverage prices substantially.

We can derive from the above data that using a $100 deductible costs an average of $26 more each month or $312 each year than buying the higher $500 deductible. Since you would pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you have at a minimum 15 months between claims, you would more than likely save some money if you opt for a higher deductible. The illustration below shows the way you can make your own decision.

One thing to be aware of is that raising deductibles to get cheaper rates means you will have to pay more of your own money when you do file a claim. You should have some non-essential savings in the event you have to pay more to get your vehicle repaired.

The chart below illustrates how your deductible choice and can affect Ford Explorer insurance premiums for different age groups of insureds. The data is based on a single male driver, full physical damage coverage, and no discounts are factored in.

Save money with these discounts

Not too many consumers would say auto insurance is affordable, but you might find some hidden discounts to help offset the cost. A few discounts will automatically apply when you complete an application, but a few must be asked for before you get the savings.

• Good Student – Getting good grades can save 20 to 25%. This discount can apply until age 25.
• Save over 55 – Drivers over the age of 55 may qualify for a small discount on rates.
• Discounts for Seat Belt Usage – Drivers who require all occupants to use a seat belt could save 15% off the PIP or medical payment premium.
• Driver Training Discounts – Taking part in a course that instructs on driving safety could earn you a small percentage discount if you qualify.
• Sign Early and Save – Select insurance companies give a discount for buying a policy prior to the expiration date on your current Explorer insurance policy. This can save 10% or more.
• Service Members Pay Less – Having an actively deployed family member could mean lower rates.
• Telematics Discount – Insureds that choose to allow their auto insurance company to spy on their driving habits remotely such as Drivewise from Allstate or Snapshot from Progressive may see discounts as long as the data is positive.
• College Student Discount – Children who are attending college and do not have access to a covered vehicle can be insured at a reduced rate.
• Multi-Vehicle Discounts – Purchasing coverage when you have primary and secondary vehicles with one company can get a discount for every vehicle.

Policy discounts save money, but some of the credits will not apply to the overall cost of the policy. Most only cut specific coverage prices like liability, collision or medical payments. So when it seems like you could get a free auto insurance policy, nobody gets a free ride. But all discounts will bring down the amount you have to pay.

The information below illustrates the difference between Ford Explorer auto insurance rates with and without policy discounts. The rate quotes are based on a male driver, no driving violations, no at-fault accidents, Maryland state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, safe-driver, multi-policy, multi-car, and claim-free discounts applied.

Larger auto insurance companies and a summarized list of policyholder discounts are shown below.

• State Farm may include discounts for good student, anti-theft, driver’s education, defensive driving training, and accident-free.
• Liberty Mutual offers premium reductions for newly retired, new move discount, teen driver discount, hybrid vehicle, multi-policy, and good student.
• American Family discounts include mySafetyValet, multi-vehicle, air bags, defensive driver, good student, Steer into Savings, and accident-free.
• Progressive policyholders can earn discounts including good student, homeowner, online signing, multi-policy, and continuous coverage.
• Farmers Insurance may have discounts that include teen driver, early shopping, homeowner, mature driver, and bundle discounts.
• Auto-Owners Insurance offers discounts including multi-policy, student away at school, company car, teen driver, safe vehicle, anti-lock brakes, and group or association.
• SAFECO may offer discounts for anti-theft, homeowner, multi-car, anti-lock brakes, bundle discounts, teen safe driver, and accident prevention training.

When getting free Baltimore auto insurance quotes, it’s a good idea to each insurance company the best way to save money. A few discounts may not be available in Baltimore. To find insurance companies who offer auto insurance discounts in Baltimore, click here to view.

Maryland auto insurance companies

Picking a highly-rated auto insurance provider can be rather challenging considering how many different companies insure vehicles in Maryland. The ranking data shown below could help you choose which auto insurers you want to consider comparing rates from.

Top 10 Baltimore Car Insurance Companies Ranked by Claims Service

1. Travelers
2. Nationwide
3. Allstate
4. State Farm
5. Liberty Mutual
6. GEICO
7. American Family
8. Esurance
9. Titan Insurance
10. AAA Insurance

Top 10 Baltimore Car Insurance Companies Ranked by Customer Service

1. USAA
2. Travelers
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Safeco Insurance
7. Progressive
8. State Farm
9. The Hartford
10. The General

Quote more to save more

When you buy Baltimore auto insurance online, do not sacrifice coverage to reduce premiums. In many cases, drivers have reduced liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase a proper amount of coverage for the lowest cost while still protecting your assets.

We just covered quite a bit of information on how to shop for Ford Explorer insurance online. The most important thing to understand is the more companies you get auto insurance rates for, the higher your chance of finding the cheapest Ford Explorer rate quotes. You may even find the best price on car insurance is with a lesser-known regional company.

Cheap Ford Explorer insurance in Baltimore is definitely available both online as well as from independent agents in Baltimore, and you should compare rates from both to have the best chance of lowering rates. A few companies do not offer online quoting and most of the time these small insurance companies sell through local independent agents.

Steps to quoting cheaper Ford Explorer insurance in Baltimore

If saving the most money is your goal, then the best way to get more affordable Ford Explorer insurance in Baltimore is to compare prices once a year from insurers who provide car insurance in Maryland. You can compare rates by following these guidelines.

• First, read and learn about how your policy works and the measures you can take to prevent rate increases. Many rating factors that drive up the price like traffic citations and poor credit can be eliminated by making lifestyle changes or driving safer.
• Second, compare prices from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from one company like GEICO or State Farm, while independent agents can provide prices for a wide range of insurance providers.
• Third, compare the quotes to your existing coverage to see if you can save by switching companies. If you find a better price and decide to switch, make sure coverage is continuous and does not lapse.
• Fourth, notify your current company of your intent to cancel your current coverage and submit payment and a completed application to the newly selected company. Be sure to store the certificate verifying proof of insurance along with your vehicle registration.

One tip to remember is to try to compare the same physical damage deductibles and liability limits on each price quote and to quote with as many carriers as you can. This provides the most accurate price comparison and the best price quote selection.

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