Cheap Insurance for a Ford Explorer in Connecticut

Our staff writers always rib each other than when writing about auto insurance, the word cheap really should not be used anywhere in the article as a descriptor for auto insurance rates. Notwithstanding, cheap auto insurance for a Ford Explorer can seem impossible to find. Don’t get your dauber down, because we are going to show you how you can still get coverage that is more affordable.

Whether or not you can find the cheapest insurance for a Ford Explorer in Connecticut is dependent upon many factors such as how old the Explorer is, what you do for a living, and if you have tickets or violations. Drivers in Connecticut on average pay approximately $730 each year to buy insurance for a Ford Explorer, but that figure is based on a 50-year-old married male that purchased both comprehensive and collision coverage and $1,000 physical damage deductibles.

But there is a high probability that you are not exactly 50 years old and possibly not even male, single instead of married, or maybe you want more liability coverage than is required by law in Connecticut. Car insurance prices are based on the driver profile the most reliable way to find the cheapest insurance price for your Ford is to comparison shop your policy at each renewal.

Find Cheaper Ford Explorer Insurance

The trim level of your Ford will have an impact the annual cost of coverage, so the price to insure a Explorer XLT 2WD model will be $58 lower than the price to insure the more expensive Explorer Limited AWD version, as shown by the rates below.

Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Connecticut minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Table data does not factor in your specific Connecticut location which can lower or raise auto insurance rates substantially.

Choosing the highest-rated auto insurance company is difficult considering how many different companies sell coverage in Connecticut. The ranking information in the next section could help you pick which auto insurers to look at when buying insurance for a Ford Explorer.

These ratings are only comprised of the largest auto insurers in America, so companies that may only write in Connecticut are not included in these rankings. If you wish to compare prices from the insurers below and more, follow this link.

Top 10 Major Auto Insurers Overall in Connecticut

1. The General
2. The Hartford
3. Progressive
4. Travelers
5. State Farm
6. Farmers Insurance
7. Safeco Insurance
8. USAA
9. GEICO
10. 21st Century

Top Companies for Ford Explorer Insurance in Connecticut

Discounts on Connecticut insurance rates

Insurance companies that provide cheap insurance for a Ford Explorer in Connecticut could also offer policy discounts that could lower prices by 35% or more if you meet specific criteria. Larger car insurance companies and a partial list of their discounts are detailed below.

The illustration below shows the difference between insurance costs with and without discounts applied to the policy rates. The premiums assume a male driver, no accidents, no driving violations, Connecticut state minimum liability limits, comp and collision included, and $100 deductibles.

The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with safe-driver, homeowner, multiple policy, marriage, multiple vehicle, and vehicle safety discounts applied. When taking advantage of discounts, the the average yearly reduction on car insurance for a Ford Explorer is 31% or $503.

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The information below highlights how deductible choice can affect annual premium costs when getting quotes for cheap insurance for a Ford Explorer. The rate quotes are based on a married male driver, full physical damage coverage, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3197,2939,2647,2369],[‘Age 30’, 1689,1549,1385,1227],[‘Age 40’, 1627,1499,1349,1203],[‘Age 50’, 1485,1371,1235,1105],[‘Age 60’, 1453,1341,1207,1079],[‘Age 70’, 1673,1551,1411,1279]]);var options = {title: ‘Impact of Deductible Levels on Ford Explorer Insurance Rates in Connecticut’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Ford Explorer’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The chart above illustrates that a 50-year-old driver could reduce rates by $250 a year by switching from a $100 deductible to a $500 deductible, or save $380 by choosing a $1,000 deductible. Younger drivers, like the Age 20 chart data, could save as much as $828 each year just by choosing higher deductibles when buying full coverage.

When increasing deductibles, it is important to have enough funds in savings to pay the extra out-of-pocket expense that comes with higher deductibles.

Geico, Allstate, Progressive, and State Farm: Who is best?

When comparing rates for insurance for an Explorer in Connecticut, the companies with the most market share are Geico, Allstate, Progressive, and State Farm. They all have the same basic coverages, but each one has unique coverages that may influence your buying decision. The data below compares ratings and policy coverage options that are available for policyholders.