Cheapest Insurance Quotes for a Ford Explorer in Kansas

Because the topic is car insurance, the words cheap or affordable should not appear as a descriptor for auto insurance rates. Be that as it may, cheap auto insurance for a Ford Explorer can seem impossible to find. But don’t despair, because we can show you some ways you can get auto insurance that you can fit into your budget.

The chances that you’ll find cheaper insurance for a Ford Explorer in Kansas depends on lots of different rating factors such as annual miles driven, if you have a coverage lapse, and your motor vehicle report. Drivers pay around $770 each year for Explorer insurance, but that cost is an estimation that uses rate data for a 30-year-old married female that has full coverage including both comprehensive and collision and $500 physical damage deductibles.

Odds are that you aren’t exactly 30 years old or even a female, maybe you are single instead of married, or maybe you prefer to not insure for full coverage. Everone’s needs are different, and this illustrates why the most reliable method for finding cheap insurance rates for your Ford is to quote often and with as many companies as possible.

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Your Ford’s trim level can impact price, so the rate you pay to insure a Explorer XLT 2WD trim level will be $74 less than the price to insure the higher-end Explorer Limited AWD version, as shown by the rates below.

Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Kansas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Premium amounts do not factor in the specific area where the vehicle is garaged which can decrease or increase coverage rates substantially.

Figuring out which companies have the best auto insurance rates for a Ford Explorer calls for a little more sweat in order to find the best policy. Each company uses their own method to determine premium rates, so let’s look at the rankings for the auto insurance companies with the overall best prices in Kansas.

Best Auto Insurance Prices for Your Explorer

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USAA normally has some of the most affordable car insurance rates in Kansas at around $750 a year. The Hartford, Auto-Owners, Allied, and Travelers also are some of the best Kansas car insurance companies.

In the above example, if you currently have coverage with The Hartford and switched to USAA, you might realize savings of about $65. Drivers with Auto-Owners might save as much as $303 a year, and Allied customers might reduce prices by as much as $315 a year.

Bear in mind that those rates are averaged across all ages of drivers and types of vehicles and are not factoring in a specific rating modification for a Ford Explorer. So the auto insurance company that has the cheapest price for you may not even be featured in the rate chart shown above. That’s why you need to compare rates from as many companies as possible using your own driver and vehicle profiles.

Does it make sense to buy full coverage?

Finding the cheapest insurance for a Ford Explorer in Kansas is important to the majority of drivers, and one good way to pay lower rates for insurance is to not pay for full coverage. The chart below illustrates the comparison of insurance premiums with liability coverage only compared to full coverage. The premium estimates are based on a clean driving record, no claims, $500 deductibles, drivers are single, and no discounts are taken into consideration.

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If all age groups are averaged, full coverage on your policy costs $1,630 per year more than carrying just liability coverage. Many people question if paying for full coverage is worth it. There is no set guideline for dropping physical damage coverage on your policy, but there is a general guideline. If the annual cost of coverage is more than 10% of replacement cost minus your deductible, then it might be time to consider dropping full coverage.

For example, let’s assume your vehicle’s claim settlement value is $10,500 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company would pay you is $9,500 after paying your policy deductible. If you are paying more than $950 annually to have full coverage, then it may be the right time to buy liability only.

There are some scenarios where only buying liability is not in your best interest. If you still have a lienholder on your title, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should keep full coverage on your policy.

Which major car insurance company is best?

When it comes to buying insurance for an Explorer, four companies to take a look at are Progressive, Geico, Allstate, and State Farm. If you put them all together, they insure almost 50% of all car insurance policies in America. All of them have somewhat different options that may influence your buying decision. The table below breaks down some of the different features that may be available in Kansas.

Find the cheapest insurance for a Ford Explorer in Kansas

Below you’ll find some of the recommended penny-pinching ideas that can help Kansas drivers find lower-cost coverage.

• Pay for smaller claims out-of-pocket
• Avoid getting tickets or violations
• Drivers with good credit ratings often pay less
• Do not get into accidents that are your fault
• Get cheaper liability coverage by choosing a safer vehicle
• Comparison shop frequently

The last tip in the list is particularly crucial, as was stressed in the prior information. Rates can change considerably based on profitability, so drivers shouldn’t be reluctant to buy from a different company if you find a cheaper price. Having brand loyalty is commendable, but it’s not recommended if that loyalty results in overpaying hundreds of dollars year after year. Now is a great time to compare rates to find cheaper car insurance for a Ford Explorer.