Discount Ford Explorer insuranceDo you want to learn to get more affordable Ford Explorer insurance in Providence? Comparing and finding cheaper premium rates for Ford Explorer insurance in Providence may be difficult for people who have little experience quoting and comparing prices online. Since there are so many companies in the marketplace, it can easily be a chore to find more affordable prices in Rhode Island.

Shockingly, over 70% of Rhode Island drivers kept buying from the same company for four years or more, and just under half have never compared auto insurance rates at all. With the average premium in the United States being $1,847, drivers could save about 47% each year just by getting comparison quotes, but they don't believe how much money they would save if they switched.

It's smart to get comparison quotes occasionally because prices are variable and change quite frequently. Despite the fact that you may have had the best rates on Ford Explorer insurance in Providence a year ago a different company probably has better rate quotes today. Block out anything you think you know about auto insurance because we're going to demonstrate the only way to buy cheaper Ford Explorer insurance in Providence.

When quoting car insurance, remember that comparing a wide range of rates increases the chance that you will find lower pricing. Not every company does online Providence Explorer insurance quotes, so it's important to compare prices from the smaller companies as well.

The following companies are our best choices to provide price quotes in Rhode Island. If the list has multiple companies, we suggest you visit two to three different companies in order to get a fair rate comparison.

Ford Explorer Insurance Rates in Providence, RI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $166 $282 $458 $28 $138 $1,072 $89
Explorer Eddie Bauer 2WD $220 $360 $458 $28 $138 $1,204 $100
Explorer XLT 4WD $244 $370 $390 $24 $116 $1,144 $95
Explorer XLT AWD $198 $298 $390 $24 $116 $1,026 $86
Explorer Eddie Bauer 4WD $304 $518 $458 $28 $138 $1,446 $121
Explorer Eddie Bauer AWD $248 $418 $426 $26 $128 $1,246 $104
Explorer Limited 2WD $450 $630 $532 $32 $160 $1,804 $150
Explorer Limited 4WD $212 $326 $414 $24 $124 $1,100 $92
Explorer Limited AWD $346 $608 $490 $30 $146 $1,620 $135
Get Your Own Custom Quote Go

Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Rhode Island minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Estimates do not factor in specific location information which can increase or decrease insurance rates greatly.

Higher deductibles save money

The example below illustrates how choosing a deductible and can influence Ford Explorer annual premium costs for each different age group. The price estimates are based on a single female driver, full coverage, and no discounts are applied.

Auto insurance protects more than just your car

Despite the high cost, buying auto insurance may be required and benefits you in several ways.

The benefits of buying enough insurance more than cancel out the cost, particularly when you have a large claim. According to a survey of 1,000 drivers, the average driver is overpaying over $869 every year so smart consumers compare quotes every year to make sure the price is not too high.

How Car Insurance Companies Determine Ford Explorer Insurance Rates

Smart consumers have a good feel for a few of the rating criteria that go into determining your policy premiums. If you understand what determines base rates, this allows you to make educated decisions that may reward you with lower rates. Many different elements are considered when premium rates are determined. Most are fairly basic such as your driving record, but others are less apparent like your continuous coverage or how financially stable you are.

The items below are some of the factors used by your company to calculate prices.

Multiple policies with one company can save - Most larger auto insurance companies will award better rates to buyers who buy several policies from them in the form of a multi-policy discount. Even with this discount applied, drivers will still want to get quotes from other companies to help guarantee you have the best rates. You may still be able to save money even if you insure with multiple companies

Type of car determines base premiums - The make and model of the car or truck you are buying insurance for makes a significant difference in determining your rates. The best insurance prices tend to be for low performance passenger vehicles, but there are many factors that impact the final cost. Due to the fact that the Ford Explorer is considered a standard SUV, insuring your vehicle will cost slightly more as compared to the average rate in Providence.

Traffic violations inflate costs - Being a careful driver can have a huge impact on auto insurance premiums. Drivers with clean records have lower premiums compared to bad drivers. Only having one speeding ticket can increase the cost of insurance twenty percent or more. Drivers with severe tickets such as DUI or willful reckless driving are required to file a SR-22 with the DMV in their state in order to keep their license.

Rural vs Urban Areas - Residing in a small town can be a good thing when buying auto insurance. Fewer drivers and short commutes means reduced accidents and also fewer theft and vandalism claims. People in densely populated areas regularly have much more traffic and longer commutes to work. Longer commute distances translates into higher accident risk.

Better auto insurance rates for continuous auto insurance coverage - Allowing your auto insurance policy to lapse can be a guaranteed way to trigger a rate increase. Not only will you pay more, the inability to provide proof of insurance may earn you a fine, jail time, or a revoked license. You could then be forced to submit proof of financial responsibility or a SR-22 with the Rhode Island DMV.

How old are your drivers? - Older people have been proven to be more responsible, tend to cause fewer accidents, and receive fewer citations.Drivers with little experience tend to be easily distracted when driving so auto insurance rates are higher.

More stress means more cost - Did you know your auto insurance rates can be affected by your occupation? Careers like military generals, executives and accountants usually pay higher rates than average because of job stress and incredibly demanding work hours. Conversely, careers such as farmers, historians and performers have the lowest average rates.

Insurance loss data for Ford Explorer vehicles - Companies analyze historical claim data to help set a rate to offset losses. Models that the statistics show to have a trend towards higher claims will have higher rates. The data below shows the insurance loss data used by companies for Ford Explorer vehicles.

For each coverage category, the statistical loss for all vehicles, as an average, is represented as 100. Percentage values below 100 are indicative of better than average losses, while values that are above 100 indicate higher probability of having a loss or an increased chance of larger losses than average.

Car Insurance Loss Data for Ford Explorer Models

Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Ford Explorer 4dr 2WD 80 90 79 75 70 82
Ford Explorer 4dr 4WD 94 94 97 75 70 85

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Get cheaper Ford Explorer insurance in Providence with discounts

Insurance is neither fun to buy or cheap, but you may be missing some discounts that many consumers don't even know exist. Many discounts should be triggered at the time of quoting, but less common discounts must be asked for before you get the savings. If they aren't giving you every credit possible, you are paying more than you should be.Discount insurance

One last thing about discounts, most credits do not apply to the entire cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. So even though you would think having all the discounts means you get insurance for free, it just doesn't work that way.

Some of the larger companies that may offer some of the discounts shown above possibly include:

When getting free Providence car insurance quotes, it's a good idea to each company to apply every possible discount. Some discounts may not be offered in your state. For a list of providers who offer cheap Ford Explorer insurance quotes in Providence, click here.

Will just any policy work for me?

When selecting coverage online or from an agent, there is no perfect coverage plan. Each situation is unique so your insurance needs to address that.Safe vehicles cost less to insure For example, these questions may help highlight whether you will benefit from professional help.

If you can't answer these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

You may need advice from an agent

A lot of people still prefer to buy from a licensed agent. The biggest benefit of comparing rate quotes online is the fact that you can find cheap car insurance rates but still work with a licensed agent.

By using this quick form, your insurance coverage information is sent to local insurance agents who will give you bids for your coverage. It makes it easy because there is no need to visit any agencies due to the fact that quote results will go instantly to you. You can find lower rates without the usual hassles of price shopping. If you have a need to compare prices from one company in particular, you can always jump over to their website and give them your coverage information.

Choosing the best insurance company should depend on more than just the bottom line cost. These are valid questions to ask:

Do you need an independent or exclusive car insurance agent?

If you are searching for a reliable insurance agent, it's helpful to know the types of insurance agents and how they differ in how they quote coverages. Car insurance agencies are categorized either exclusive or independent agents depending on their company appointments.

Exclusive Insurance Agencies

Agents that choose to be exclusive can only quote rates from one company and examples are AAA, State Farm, Farmers Insurance, and Allstate. These agents are not able to compare rates from other companies so they have to upsell other benefits. Exclusive insurance agents receive extensive training on their company's products which helps offset the inability to provide other markets. Consumers often buy insurance from these agents mainly due to high brand loyalty rather than having low rates.

Below are exclusive insurance agents in Providence that can give you price quote information.

More Providence agents

Independent Car Insurance Agents

Independent agents are not restricted to one company so they can insure your vehicles through many companies and possibly get better coverage at lower prices. If prices rise, the business is moved internally and the insured can keep the same agent. When comparing rates, you need to compare prices from at a minimum one independent agency to ensure the widest selection of prices. Most can insure with smaller regional carriers which could offer lower prices.

Shown below is a short list of independent agencies in Providence who can help you get rate quotes.

More Providence agents

Upon getting acceptable answers to your questions and locked in a price quote, you may have just found an insurance agent that is reliable enough to insure your vehicles. Just remember you are able to terminate coverage any time you want so don't assume that you're stuck with a policy for the entire policy term.

Smart consumers save more

You just learned some good ideas how to get a better price on Ford Explorer insurance in Providence. The key concept to understand is the more times you quote, the higher your chance of finding affordable Ford Explorer insurance quotes. Consumers could even find that the best rates are with a lesser-known regional company. Regional companies may have significantly lower car insurance rates on certain market segments compared to the large companies like State Farm and Allstate.

As you go through the steps to switch your coverage, it's a bad idea to skimp on coverage in order to save money. Too many times, consumers will sacrifice uninsured motorist or liability limits and learned later that it was a big mistake. Your aim should be to find the BEST coverage at an affordable rate.

More affordable insurance in Providence is available on the web and from local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers may not provide the ability to get a quote online and these regional insurance providers prefer to sell through independent insurance agencies.

More detailed insurance information is located in these articles: