Best Cheap Insurance Quotes for a Ford Explorer in Delaware

Our content editors always give us grief that when writing about car insurance, the words cheap or affordable shouldn’t be used anywhere in the article. Despite the oxymoron, cheap auto insurance for a Ford Explorer does not exist. But don’t let us ruin your dream, because we are going to show you some ways you can find and buy car insurance that is easier on your budget.

The chances of buying cheaper auto insurance for a Ford Explorer in Delaware hinges on a large number of factors like whether or not your vehicle has good safety ratings, if you have prior claims, and any past driving violations you may have had. Delaware drivers on average will pay $1,300 each year to insure a Ford Explorer, but that price is based on cost data for a 40-year-old married male with both comprehensive and collision coverage and $100 deductibles.

Chances are that you aren’t exactly 40 years old or even a male, possibly single instead of married, or you just prefer to insure for liability only. Even a slight change in rating criteria can result in a massive change in rates.

Everone’s needs are different, and this illustrates why the way we recommend to find the cheapest insurance price for your Ford is to get into the habit of shopping around regularly.

Insure Your Ford for Less

The trim level of your Ford tends to have a direct effect on the cost of insurance, so the price you will be charged to insure a Explorer XLT 2WD trim level will be $144 less than the insurance cost for the more costly Explorer Limited AWD trim level, as shown by the rates below.

Cost estimates assume married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Delaware minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Rate quotes do not factor in specific Delaware garaging location which can influence insurance rates substantially.

Establishing which companies quote the cheapest insurance rates for a Ford Explorer calls for a little more sweat than just picking a company at random.

Each insurer has their own unique process for determining prices, so to begin we’ll rank the insurance companies with the overall cheapest rates in Delaware. Keep in mind that Delaware insurance rates are influenced by many factors which can substantially decrease or increase the price you have to pay. Improving your credit score, buying a home instead of renting, or getting a reckless driving citation can produce rate changes that can cause some rates to be more affordable than competitors.

Find the Cheapest Auto Insurance for Your Explorer

Compare Rates and Save

USAA may offer some of the most affordable car insurance rates in Delaware at around $866 per year. Travelers, Nationwide, California Casualty, and Atlantic States also make the cut as some of the cheapest Delaware car insurance companies.

As the example above demonstrates, if you have coverage with California Casualty and switched to Travelers, you may realize a yearly price reduction of around $222. Insureds with Atlantic States might save as much as $247 a year, and Titan policyholders might cut rates by $301 a year.

Remember that these prices are averages for all drivers and vehicles and are not factoring in a specific rate value for a Ford Explorer. So the car insurance company that is best suited for you may not even be featured in the above list. That points out the importance of why you need to get quotes using your own individual information.

Cost comparison with and without full coverage

Finding the best cheap insurance for a Ford Explorer in Delaware should be important to most vehicle owners, and one of the best ways to find cheap insurance is to buy only liability coverage. The information below illustrates the comparison of car insurance rates with full coverage and liability only. Data assumes a clean driving record, no at-fault accidents, $500 deductibles, single marital status, and no discounts are applied.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $500 Deductibles’, ‘Liability Only’],[‘Age 20’, 3905,1435],[‘Age 30’, 2065,787],[‘Age 40’, 2019,729],[‘Age 50’, 1839,681],[‘Age 60’, 1779,671],[‘Age 70’, 2179,897]]);var options = {title: ‘Full Coverage Rates Compared to Liability Only Rates’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Ford Explorer in Delaware’,minValue: 0,format: ‘$###,###’},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(‘qcibfcl’));chart.draw(data, options);}

If averaged for all ages, physical damage insurance costs $2,298 per year over and above liability coverage. Many drivers may wonder if it’s worth it to buy full coverage. There is no definitive formula of when to exclude full coverage, but there is a general guideline. If the yearly cost of full coverage is more than 10% of any settlement you would receive from your insurance company, then you might consider buying liability only.

There are a few situations where dropping full coverage is not a good plan. If you still owe a portion of the original loan, you must maintain physical damage coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not buy liability only.

Why you should be shopping around

Delaware insurance rates are calculated based on many things that may substantially change the policy premium. Simply having a birthday, increasing deductibles, or getting a speeding ticket can trigger changes in premium that can now make some companies cheaper than competitors.

Also, auto insurance companies change their prices every year in order to offset underwriting gains or losses. Significantly higher losses may result in higher rates, while profitable underwriting may result in lower-priced Explorer insurance rates.

To illustrate this example, the graph below shows rates for the cheapest car insurance in Delaware for a 40-year-old male driver with no prior accidents, a clean driving record, and good credit. If we estimate prices based on his personal profile, USAA may offer the most affordable car insurance rates in Delaware at $848 each year. This is $1,157 less than the average premium paid by Delaware drivers of $2,005. Travelers, Nationwide, Atlantic States, and California Casualty are the remaining best Delaware auto insurance companies.

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In this next rate comparison, we will give the driver from the first example a claim, a lower credit rating, and a stop sign violation. Due to the fact that every insurance company has a unique approach for determining rates, comparing rates may now show a different list of the cheapest Delaware car insurance companies as shown below.

google.charts.setOnLoadCallback(drawDEWcqcibChart);function drawDEWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Travelers’, 1626, ‘#C75000’],[‘GEICO’, 1636.8, ‘#A54200’],[‘Donegal Mutual’, 1664.3, ‘#893700’],[‘National Grange Mutual’, 1719.3, ‘#722D00’],[‘USAA’, 1772, ‘#5F2500’]]);var options = {title: ‘Best Rates for Imperfect Drivers’,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:1872,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);}

Travelers now has the best price on car insurance in Delaware with GEICO, Donegal Mutual, National Grange Mutual, and USAA also having competitive pricing. This example illustrates why it is crucial to compare lots of rates when trying to find the most affordable car insurance quotes for a Ford Explorer. Insurance rates can be altered by many risk factors and can decrease or increase without notice, so the best company when you bought your policy may now be one of the higher cost companies.

How to find the cheapest auto insurance for a Ford Explorer

The list below shows some of the recommended money-saving suggestions that can help drivers locate cheap car insurance.

• Having at-fault accidents will increase rates
• Don’t waste money on full coverage for older vehicles
• Higher credit scores can equal lower rates
• Multi-policy discounts save money
• Drive safe vehicles
• Compare rates and switch if you can find a better deal

That last idea is very necessary, as we discussed in the prior information. Auto insurance prices in Delaware can be adjusted at any time, so you should be ready to change insurance companies if a cheaper price is available.

We understand brand loyalty, but is isn’t recommended if that stubbornness costs you a wad of cash every year. If you have a few minutes, compare rates and find cheaper car insurance for a Ford Explorer.

Who has the cheapest Ford Explorer insurance quotes?

There are a variety of different ways to compare insurance quotes in Delaware, but the most common ways are from an exclusive insurance agent like Liberty Mutual or Allstate, a non-exclusive or independent agent, or direct online or over the phone from a company like Geico or Progressive. Each way has the same basic process, but insurance shoppers should know the differences in how they provide price quotes.

Independent insurance agencies can place your business with multiple companies and can get policy pricing from all of them. They are not limited to a single company and can provide you with more rates, which can help you get better odds of saving money. If they find a lower price, your policy is moved internally and you do not have to find a new agent.

An agent who is captive is only able to give rates for one insurance company, two examples are State Farm and Auto-Owners agents. Exclusive agents are unable to provide a range of price quotes, so drivers will want to get other quotes as well.

Buying from a direct company means forego the middleman (the agent) and buy direct online or over the phone from a company like Progressive or Geico. Shopping for insurance direct may be good for consumers who have an average risk profile and have an above average understanding of what coverage options they need.

When shopping for insurance, which way works best to buy the best cheap insurance for a Ford Explorer in Delaware? The majority of insurance shoppers assume that buying from a direct company results in the best prices because you bypass the agent, but that generally is not the case. We could also say that going through an independent agent is the best way to go since they can quote with many companies, but that is not necessarily true either. And occasionally, the exclusive agents have extremely competitive rates that are the cheapest.

Since insurance rates vary so much, the best way to get the lowest rate is to get quotes and compare. We highly recommend getting prices from all three in order to have the best selection to choose from. For a list of companies with cheap rates in Delaware, click here to view.