Who Has the Cheapest Insurance for a Ford Explorer in New Jersey?

When discussing auto insurance, the words “affordable” or “cheap” should never appear anywhere in the article to describe car insurance prices. Please forgive the oxymoron, but cheap car insurance for a Ford Explorer is almost non-existent. Don’t get your dauber down, because we can show you some ways you can still find coverage that may not be cheap, but it is affordable.

The chances that you’ll find cheap car insurance for a Ford Explorer in New Jersey is contingent on a pretty complex algorithm that uses a lot of factors such as when you were born, your current insurance company, and any prior driving offenses. Drivers pay on average $1,610 a year to buy insurance for a Ford Explorer, but that is that rates a 50-year-old single female driver with both comprehensive and collision coverage and $100 deductibles.

Chances are that you are not a 50-year-old female, you might be married instead of single, and maybe you want different deductibles. Car insurance prices are based on the driver profile your best chance at finding cheap insurance prices for your Ford is to make a habit of comparing rates at every renewal. Quotes only take a few minutes and you can get prices from some of the most affordable companies that offer coverage in New Jersey.

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The specific model of Explorer will have an impact the yearly cost, so the rate you pay to insure a Explorer XLT 2WD trim level will be $176 less expensive the price to insure the more expensive Explorer Limited AWD trim level, as shown in the chart below.

Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Table data does not factor in specific garaging location which can lower or raise rates greatly.

Determining which companies quote the cheapest car insurance rates for a Ford Explorer takes more time in order to find the best policy. Each auto insurance company has a different formula for setting rates, so let’s take a look at the overall cheapest car insurance companies in New Jersey.

It’s important to understand that New Jersey car insurance rates are influenced by many factors that can increase the policy premium. Improving your credit score, filing a claim, or having a fender bender may prompt premium changes resulting in some rates now being more affordable than the competition.

Cheap Insurance Rates for Your Explorer

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21st Century generally has some of the cheapest car insurance rates in New Jersey at around $1,100 each year. Travelers, New Jersey Manufacturers, Palisades, and Penn National would also make the list of some of the cheaper New Jersey auto insurance companies.

In the above rates, if you are a policyholder with New Jersey Manufacturers and switched to 21st Century, you might see savings of around $171. New Jersey drivers with Palisades could save as much as $241 a year, and Penn National insureds might reduce rates by $279 a year.

To find the cheapest insurance for a Ford Explorer in New Jersey for your vehicle, click here to start your free quote or click several companies below for low rates.

Remember that these rates are averaged for all drivers and vehicles in New Jersey and and are not calculated with a specific rate value for a Ford Explorer. So the auto insurance company that has the cheapest price for you may not even be shown in the list of companies above. That is why you need to quote rates from as many companies as possible using your own personal information and vehicle type.

Irresponsible driving raises your rates

The common sense way to receive the best car insurance premiums for an Explorer is to be a cautious driver and not receive tickets or have accidents. The diagram below demonstrates how speeding tickets and fender-benders can impact car insurance costs for different age groups. The data assumes a single female driver, comp and collision included, $500 deductibles, and no other discounts are factored in.

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In the example above, the average cost of an auto insurance policy in New Jersey per year with no accidents and a clean driving record is $2,590. Get two speeding tickets and the average cost surges to $3,469, an increase of $879 each year. Now add in two accidents along with the two speeding tickets and the annual cost of car insurance for a Ford Explorer goes up to an average of $6,839. That’s an increase of $4,249, or $354 per month, just for not driving responsibly!

Get discounts on New Jersey insurance rates

Insurers that sell the cheapest insurance for a Ford Explorer in New Jersey may also provide policy discounts that can reduce rates by as much as 35% if you are eligible for them. A few of the larger companies and their possible discounts can be read below.

• State Farm may offer discounts for anti-theft, safe vehicle, multiple policy, multiple autos, and student away at school.
• GEICO policyholders can earn discounts including daytime running lights, anti-lock brakes, good student, air bags, multi-policy, and seat belt use.
• SAFECO offers discounts for drive less, bundle discounts, accident prevention training, multi-car, and anti-lock brakes.
• Farmers Insurance has savings for multi-car, teen driver, youthful driver, good student, early shopping, and mature driver.
• AAA may have discounts that include good driver, education and occupation, multi-car, pay-in-full, anti-theft, AAA membership discount, and good student.
• USAA includes discounts for driver training, loyalty savings, defensive driver, multi-vehicle, safe driver, family discount, and military installation.

The information below illustrates the comparison of premium costs with and without policy discounts. The information is based on a male driver, no violations or accidents, New Jersey state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with safe-driver, anti-theft, defensive driving course, marriage, passive restraint, and accident-free discounts applied. When drivers qualify for the discounts, the average amount saved each year on car insurance for a Ford Explorer is 28% or $841.

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How to get the cheapest insurance for a Ford Explorer in New Jersey

Below you’ll find some penny-pinching suggestions that can help you quote low-cost car insurance.

• Violations like speeding or DUI increase rates
• Vehicles with good safety ratings have lower liability rates
• Increase your policy deductibles
• Good credit can help you save money
• Avoid preventable accidents
• Do not pay for full coverage on older vehicles
• Compare prices frequently to find the best deal

The last idea is particularly critical, as was noted in the article above. Prices charged by companies change a lot, so drivers shouldn’t be resistant to switch carriers if a cheaper rate is available.

Having a favorite company is fine, but is isn’t recommended if that dedication is costing money that could be going to better use. Now is a great time to compare rates to find cheaper car insurance for a Ford Explorer.

Cheapest Ford Explorer insurance quotes

There are many ways to find affordable car insurance in New Jersey, but the most preferred ways are from an exclusive insurance agency such as State Farm or Allstate, an independent insurance agent, or direct either online or via phone. You can use whichever you prefer, but buyers need to know the differences in how they give price quotes.

Independent agencies write for multiple companies and can do rate comparisons with each one. Agents of this type can sell policies from many different companies and can provide you with more rate quotes, which may give you the best chance of finding a lower price. If the agent locates a cheaper price, the agent simply finds a different carrier without you having to go to a different agency.

An exclusive agent is usually just provide rates from one insurance company like Allstate or State Farm agents. They usually cannot quote prices from more than a single company, so drivers will want to get other quotes as well.

If you want to buy car insurance direct, you skip local insurance agents and instead shop from a direct company like Geico. Shopping for car insurance direct may be preferred by consumers who have lower risk management needs and understand what car insurance covers.

So which of the methods works best to find the cheapest insurance for a Ford Explorer in New Jersey? It would be simple to say buying from a direct company yields the cheapest rates since there is no middleman, but in reality, that is not true. We could also say that using an independent agent guarantees the lowest rates due to more options, but that idea is not necessarily true either. In a lot of cases, exclusive agents may have very competitive prices that are well below what direct and independents offer.

Since car insurance rates vary so much, the only real way to get the cheapest rates is to get rate quotes and compare. Experts recommend getting rate quotes from all three in order to find the best price. A great place to start is our list of online companies offering discounts: click here to view.

Best rates: Progressive, Geico, Allstate, or State Farm

If you want the best auto insurance, some of the first companies to look at are Progressive, Geico, Allstate, and State Farm. Between them, they insure about half of all vehicles in the U.S.. They all have slightly different coverage options that may affect your buying decision. The following table shows pricing and service ratings, as well as optional policy coverages that are available for policyholders.