Best Cheap Insurance for a Ford Explorer in West Virginia

The likelihood of finding cheap auto insurance for a Ford Explorer in West Virginia relies on a lot of factors such as whether you are a new or experienced driver, your credit history, and deductibles for comprehensive and collision coverage. West Virginia drivers pay on average $960 per year to buy Ford Explorer insurance, but that rate is a valuation based on cost data for a 50-year-old married female driver who purchased comprehensive and collision coverage and $250 physical damage deductibles.

There is a very good chance that you are not a 50-year-old female, possibly single instead of married, or possibly you just want cheap liability coverage. Just a slight change in rating variables or coverage information can make a large difference in the amount insurance costs for a Ford Explorer.

Every insurance policy is unique to the driver, so the only way to find cheap insurance prices for your Ford is to make a habit of comparing prices at least once a year. It only takes a couple of minutes and you will get price quotes from some of the most affordable companies that insure vehicles in West Virginia.

Cheapest Ford Explorer Insurance Rates

Vehicle trim level tends to have a direct effect on the annual cost of coverage, so the price you will be charged to insure a Explorer XLT 2WD trim level will cost $98 less than the cost to insure the more expensive Explorer Limited AWD version, as shown by the rates below.

Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and West Virginia minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Rate quotes do not factor in vehicle garaging location which can increase or decrease auto insurance rates significantly.

Trying to buy cheap auto insurance is not easy, and finding out which company quotes the cheapest insurance rates for a Ford Explorer will require even more rate comparisons. Each auto insurer uses their own calculation for setting prices, so we’ll go over the insurance companies with the overall best prices in West Virginia.

Keep in mind that West Virginia insurance rates are impacted by many factors that will increase or decrease the cost of having a policy. Simply turning a year older, buying higher coverage limits, or getting a reckless driving citation may generate price changes resulting in some rates now being much cheaper than others.

Compare Cheap Insurance Quotes for Your Explorer

Click Here to Start Your Quote

Erie may have some of the best car insurance rates in West Virginia at around $904 per year. The Hartford, State Auto, Westfield, and USAA also qualify as some of the cheapest West Virginia insurance companies.

In the rate table above, if you are a customer of Westfield and switched to Erie, you could see an annual savings of in the neighborhood of $410. Policyholders with USAA may save as much as $422 a year, and Progressive customers might reduce rates by $575 a year.

Understand that those premiums are averages for all types of insureds and vehicles and and are not figured with a specific rating modification for a Ford Explorer. So the insurer that is best suited for you may not even be in the list of companies shown earlier. That point stresses why you need to get rate quotes from many companies using your own driver and vehicle profiles.

Get discount West Virginia auto insurance

Insurance providers that sell the best cheap insurance for a Ford Explorer in West Virginia may also provide price discounts that could lower prices by 35% or more if you can meet the requirements. A list of insurance companies and their offered discounts are outlined below.

• Progressive has savings for continuous coverage, online signing, multi-vehicle, online quote discount, multi-policy, homeowner, and good student.
• SAFECO offers discounts including safe driver, teen safety rewards, anti-theft, drive less, bundle discounts, and anti-lock brakes.
• American Family discounts include Steer into Savings, multi-vehicle, TimeAway discount, good driver, bundled insurance, good student, and defensive driver.
• MetLife policyholders can earn discounts including claim-free, multi-policy, good student, defensive driver, good driver, and accident-free.
• GEICO may have discounts that include daytime running lights, emergency military deployment, driver training, five-year accident-free, anti-theft, federal employee, and multi-policy.
• The Hartford includes discounts for driver training, bundle, good student, air bag, vehicle fuel type, anti-theft, and defensive driver.

The chart below shows the difference between car insurance costs with and without discounts being applied to the rates. The price estimates are based on a male driver, no claims or driving citations, West Virginia state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with claim-free, accident-free, passive restraint, safe-driver, anti-theft, and defensive driving course discounts applied. When these discounts are applied, the the average yearly reduction on insurance for a Ford Explorer is 28% or $516.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 3135,2251],[‘Age 30’, 1665,1205],[‘Age 40’, 1615,1169],[‘Age 50’, 1477,1069],[‘Age 60’, 1435,1035],[‘Age 70’, 1775,1275]]);var options = {title: ‘Insurance Premium Comparison 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: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Ford Explorer in West Virginia’,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);}

What aren’t you shopping around?

West Virginia insurance rates are impacted by many things that will increase or decrease the price you pay for coverage. Simply having a birthday, increasing deductibles, or getting a ticket for careless driving may cause policy rate changes resulting in some rates now being affordable when they were higher priced. In addition, car insurance companies amend premium rates every year in order to offset underwriting gains or losses. Significantly higher losses may result in higher prices, while profitable underwriting can cause more affordable Explorer insurance rates.

The data below shows the company with the cheapest car insurance in West Virginia for a 45-year-old female driver with no prior claims, no tickets, and great credit. If we compare prices based on her current situation, Erie quotes the lowest car insurance rates in West Virginia at $904 a year. This is $876 less than the average price paid by West Virginia drivers of $1,780. The Hartford, State Auto, Westfield, and USAA are also included in the cheapest West Virginia auto insurance companies.

google.charts.setOnLoadCallback(drawWVWitcqcibChart);function drawWVWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Erie’, 904, ‘#5E9216’],[‘The Hartford’, 1060, ‘#4E7912’],[‘State Auto’, 1253, ‘#41640F’],[‘Westfield’, 1314, ‘#36530C’],[‘USAA’, 1326, ‘#2D450A’]]);var options = {title: ‘Best Car Insurance Rates 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:1426,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 we will pretend the driver in the first example a claim surcharge, bad credit, and a speeding citation. Because every insurance company has their own formula to set their prices, getting updated rate quotes most likely will result in a different set of cheap West Virginia auto insurance companies as shown below.

google.charts.setOnLoadCallback(drawWVWcqcibChart);function drawWVWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘The Hartford’, 1696, ‘#F58700’],[‘Nationwide’, 1706.1, ‘#CC7000’],[‘State Farm’, 1708.3, ‘#AA5D00’],[‘Encompass’, 1782, ‘#8D4D00’],[‘GEICO’, 1843.6, ‘#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:1943.6,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);}

The Hartford now has the cheapest rate in West Virginia with Nationwide, State Farm, Encompass, and GEICO now rounding out the top five. This demonstrates why consumers need to take the time to shop around when trying to get the most economical car insurance rates for a Ford Explorer. Auto insurance prices can be determined by many different factors and can decrease or increase without notice, so the lowest-price company three years ago may now be an over-priced policy.

How to find the best cheap insurance for a Ford Explorer in West Virginia

The list below summarizes many penny-pinching suggestions that can help West Virginia drivers find low-cost coverage.

• Avoid price increases by not filing claims
• Save money by bundling your home and auto policies
• Save money by insuring older vehicles for liability only
• Drivers with good credit often pay less
• Safer vehicles cost less to insure
• Raise physical damage deductibles
• Compare rates and switch if you can find a better deal

The last suggestion is certainly significant, as was noted in the prior article. Car insurance rates change constantly, so drivers shouldn’t be reluctant to change insurance companies if you can find a cheaper rate.

Having brand loyalty is commendable, but we do not recommend it if it’s costing you a fortune every year. Take a couple minutes and compare rates to find cheaper car insurance for a Ford Explorer.