Cheapest Insurance Quotes for a Ford Explorer in Montana

Your chances of buying affordable auto insurance for a Ford Explorer in Montana relies on a complicated equation that takes into consideration things like the safety rating for your Explorer, your profession, and deductibles for comprehensive and collision coverage. Montana drivers will pay around $1,830 annually for Explorer insurance, but that price is a ballpark figure rating a 30-year-old single male driver who purchased full physical damage coverage and $500 policy deductibles.

There is a really good chance that you aren’t exactly 30 years old or even a male, you might be married instead of single, and you may just want the cheapest liability coverage you can find. The different assumptions illustrate why the most reliable way to find the most affordable coverage for your Ford is to comparison shop your policy at every renewal or at least every couple of years.

View Ford Explorer Insurance Rates

The specific model of Explorer impacts the yearly cost, so the price you will be charged to insure a Explorer XLT 2WD trim level will be $162 less expensive the cost to insure the higher-end Explorer Limited AWD version, as shown in the prices below.

Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Montana minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Information does not factor in zip code location which can decrease or increase prices noticeably.

Figuring out which company offers the best insurance rates for a Ford Explorer will require more time in order to find a policy that fits your budget. Each auto insurer has a unique formula to establish rates, so we will examine the insurance companies that tend to be cheaper in Montana.

We do need to point out that Montana insurance rates are influenced by many factors that will increase or decrease the price you pay for coverage. Getting older, getting married, or getting a driving violation may prompt premium changes resulting in some companies being much cheaper than others.

Cheap Insurance Rates for Your Explorer

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google.charts.setOnLoadCallback(drawMTT5qcibChart);function drawMTT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘Safeco’, 862, ‘#338FCF’], [‘Progressive’, 951, ‘#2A77AC’], [‘USAA’, 1024, ‘#23638F’], [‘State Farm’, 1069, ‘#1D5277’], [‘MetLife’, 1175, ‘#184463’]]);var options = {title: ‘Top Five Low-Cost Auto Insurance Companies in Montana’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1275,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibt5cic’));chart.draw(view, options);}

Safeco may offer some of the lowest car insurance rates in Montana at around $862 annually. Progressive, USAA, State Farm, and MetLife also rank well as some of the cheaper Montana auto insurance companies.

As illustrated above, if you are a customer of USAA and switched to Safeco, you could realize yearly savings of around $162. Drivers with State Farm could save as much as $207 a year, and MetLife insureds might realize rate reductions of up to $313 a year.

To see how much you can save, click here to get a free quote or quote prices from the following companies.

Understand that those premiums are averages across all types of drivers and the different vehicles they drive and do not take into consideration a specific rate factor for a Ford Explorer. So the insurer that is most affordable for your situation may not even be shown in the above list. That point stresses why you need to get car insurance quotes using your own driver information and specific vehicle type.

Discount Montana auto insurance rates

Insurers that provide the cheapest insurance for a Ford Explorer in Montana may also offer premium discounts that can lower rates by as much as 35% if you qualify for them. A list of insurance companies and some of the discounts are:

• Progressive includes discounts for continuous coverage, online signing, homeowner, online quote discount, good student, multi-vehicle, and multi-policy.
• SAFECO may offer discounts for anti-theft, teen safe driver, homeowner, accident prevention training, teen safety rewards, and bundle discounts.
• American Family discounts include TimeAway discount, bundled insurance, accident-free, air bags, and defensive driver.
• MetLife offers premium reductions for good driver, accident-free, claim-free, defensive driver, multi-policy, good student
• GEICO has savings for anti-lock brakes, daytime running lights, multi-vehicle, seat belt use, and good student.
• The Hartford has discounts for driver training, good student, anti-theft, bundle, vehicle fuel type, and defensive driver.

The example below shows the difference between insurance rates with and without discounts applied to the policy rates. The premiums are based on a female driver, no claims or driving violations, Montana state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with claim-free, anti-theft, defensive driving course, safe-driver, marriage, and passive restraint discounts applied. When these discounts are applied, the the average yearly reduction on insurance for a Ford Explorer is 28% or $868.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 20’, 4611,3313],[‘Age 30’, 3167,2291],[‘Age 40’, 2947,2131],[‘Age 50’, 2575,1863],[‘Age 60’, 2489,1799],[‘Age 70’, 2911,2095]]);var options = {title: ‘Comparison of Insurance Rates for a Ford Explorer’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],hAxis: {title: ‘Annual Insurance Cost for a Ford Explorer in Montana’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

The importance of shopping around

Montana insurance rates are determined by lots of factors that can increase the price you have to pay for coverage. Turning one year older, having a teen driver, or getting caught speeding may prompt premium changes resulting in some rates now being affordable when they were higher priced.

And not only may your rating factors change, but insurers change their prices every year to reflect underwriting profits or losses. Heavier than normal losses may result in rate increases, while profitable underwriting can result in cheaper Explorer insurance rates.

The graph below shows which companies have the cheapest car insurance in Montana for a 40-year-old male driver with no prior claims, no tickets, and excellent credit. If we estimate rates based on his current risk factors, Safeco may have the lowest car insurance rates in Montana at $837 a year. This is $483 less than the average price paid by Montana drivers of $1,320. Progressive, USAA, State Farm, and MetLife round out the rest of the cheapest Montana auto insurance companies.

google.charts.setOnLoadCallback(drawMTWitcqcibChart);function drawMTWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Safeco’, 837, ‘#09836F’],[‘Progressive’, 942, ‘#076D5C’],[‘USAA’, 1044, ‘#055A4C’],[‘State Farm’, 1069, ‘#044B3F’],[‘MetLife’, 1175, ‘#033E34’]]);var options = {title: ‘Best Cheap Auto Insurance for a Ford Explorer’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1275,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}

Now let’s give the driver from the above example a claim or two, poor credit, and an imperfect driving record. Because each company has their own unique process for establishing rates, comparing insurance quotes may now result in a significantly different list of affordable companies as shown below.

google.charts.setOnLoadCallback(drawMTWcqcibChart);function drawMTWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Allied’, 1468.5, ‘#F58700’],[‘Progressive’, 1507.2, ‘#CC7000’],[‘USAA’, 1566, ‘#AA5D00’],[‘State Farm’, 1603.5, ‘#8D4D00’],[‘California Casualty’, 1707.2, ‘#754000’]]);var options = {title: ‘Cheapest Rates After Accident/Violation’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1807.2,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

Allied now has the lowest price on auto insurance in Montana with Progressive, USAA, State Farm, and California Casualty also having competitive pricing. This demonstrates why it is critical to do a thorough rate comparison to get the lowest auto insurance quotes for a Ford Explorer. Rates are impacted by many risk factors and can increase or decrease at any time, so the most economical option the last time you shopped around may now be wasting a lot of money.

Ideas to find economical car insurance for a Ford Explorer

Lowering your rates is not difficult, and here are some of the recommended thrifty solutions that can help drivers locate cheap car insurance.

• Accident-free drivers may qualify for discounts
• Do not pay for full coverage on older vehicles
• Improve your credit score
• Safe vehicles cost less to insure
• Buying home and auto together can help save money
• Shop your coverage around for the best deal

That final tip is extraordinarily significant, as was noted in this article. Prices charged by auto insurers fluctuate constantly, so you should be ready to change to a new company if a cheaper rate is available. Having a favorite company is great, but we do not recommend it if that devotedness results in you overpaying a fortune every year. Spend a few minutes and shop around to find cheaper auto insurance for a Ford Explorer.

Best cheap Ford Explorer insurance quotes

Thanks to technology, there are a lot of ways to find cheap insurance in Montana, but the most prevalent are through a non-exclusive or independent agent, an exclusive insurance agent such as Allstate or Liberty Mutual, or from a direct company like Progressive or Geico. All three ways are similar, but buyers should know the differences in how they function.

Independent insurance agents have contracts with many companies and can provide price quotes from each one. These types of agents are not limited to a single company and can provide multiple price quotes, which can help you get better odds of saving money. If your agent finds better pricing, it’s simple to move the policy which requires no work on your part.

An agent who is captive is usually restricted to one insurance company, examples being Allstate and Liberty Mutual agents. Exclusive agencies are unable to provide multiple price quotes, so they have no alternatives for high prices.

Choosing to buy insurance direct means you forego an independent or exclusive agent and instead buy from a direct company like Esurance. Buying insurance direct is a good choice for consumers who have an average risk profile and know the exclusions of a policy.

Which method is best to find the cheapest insurance for a Ford Explorer in Montana? Our initial answer would be buying from a direct company results in the cheapest rates because you bypass the agent, but in reality, that argument does not hold true. And we’d like to say buying from an independent agent results in the cheapest rates because they can quote many companies, but again, that’s not a true statement. In many circumstances, exclusive agents have extremely competitive rates that cannot be met by either independent or direct companies.

Since insurance prices are based on many different factors, the only true way to find out which one is cheapest is to obtain price quotes and compare them. Take some time and get rate quotes from independent agents, exclusive agents, and direct companies to get a good idea who is cheapest. We compiled a list of companies with some of the cheapest online rates that you can click here to view.