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

Your odds of finding affordable insurance for a Ford Explorer in New Hampshire hinges on things like the mileage of your daily commute, the insurance company you are currently insured with, and citations or violations on your driving record. Drivers in New Hampshire pay an average of $580 a year for Explorer insurance, but that price is an estimation assuming a 50-year-old single female that purchased full coverage including both comprehensive and collision and $1,000 physical damage deductibles.

There is a very good chance that you are not 50 and possibly not even female, maybe you are married instead of single, or maybe you prefer to not insure for full coverage. Have just a small change in policy rating variables can precipitate large changes in the price of a policy.

This example demonstrates why your best chance at finding cheap insurance prices for your Ford is to just take the time to compare rates yourself. Price quotes are quick and you will receive price comparisons from the best auto insurance companies that sell coverage in New Hampshire.

Insure Your Ford for Less

The trim level of your Explorer has an effect on price, so the price you will be charged to insure a Explorer XLT 2WD trim level will be $46 cheaper than the cost to insure the higher-priced 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, $1000 deductibles, and New Hampshire minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Estimates do not factor in specific location information which can affect prices greatly.

Deciphering which company offers the most affordable insurance rates for a Ford Explorer may require more work in order to find the lowest price quote. Each insurer uses their own calculation to establish rates, so let’s take a look at the insurance companies with the overall cheapest rates in New Hampshire.

Find Cheaper Car Insurance for Your Explorer

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Concord has some of the lowest car insurance rates in New Hampshire at around $691 each year. Travelers, Patriot, USAA, and Vermont Mutual also are some of the best New Hampshire car insurance companies.

In the above example, if you have coverage with Vermont Mutual and switched to Travelers, you could earn a yearly price reduction of approxmiately $169. Policyholders with Amica might save as much as $185 a year, and Encompass insureds might lower prices by up to $330 a year.

It’s important to note that these prices are averaged for all insureds and vehicles and and are not calculated with a specific rating modification for a Ford Explorer. So the auto insurance company that has the cheapest price for you may not even be shown in the above list. That’s why you need to compare as many prices as possible using your own driver information and specific vehicle type.

Does it make sense to buy full coverage?

Finding the cheapest insurance for a Ford Explorer in New Hampshire should be important to most drivers, and one good way to pay lower rates for insurance is to buy liability only. The diagram below shows the difference between insurance rates with full physical damage coverage compared to only buying liability only. The premium estimates are based on a clean driving record, no at-fault accidents, $500 deductibles, drivers are single, and no discounts are applied to the premium.

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As an average for all age groups, physical damage coverage on your policy costs an additional $1,356 per year over and above liability coverage. At some point, about every driver wonders if you should buy full coverage at all. There is no exact formula for eliminating full coverage, but there is a guideline you can consider. If the yearly cost of full coverage is more than about 10% of replacement cost minus your deductible, then you might consider buying liability only.

For example, let’s assume your vehicle’s book value is $5,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would get paid by your company is $4,000 after the deductible is paid. If you are paying more than $400 annually for full coverage, then you might want to think about dropping full coverage.

Insurance rates are higher with tickets and accidents

The common sense way to receive good insurance premiums in New Hampshire for an Explorer is to drive cautiously and avoid accidents and keep your driving record clean. The information below highlights how traffic violations and fender-benders raise insurance rates for each different age category. The data assumes a married male driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 1761,1917,2337],[‘Age 30’, 917,1073,1495],[‘Age 40’, 895,1049,1471],[‘Age 50’, 823,977,1401],[‘Age 60’, 809,961,1385],[‘Age 70’, 945,1101,1521]]);var options = {title: ‘Effect of Violations and Accidents on New Hampshire Ford Explorer Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Ford Explorer in New Hampshire’,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);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the example above, the average cost of an auto insurance policy in New Hampshire per year with no violations or accidents is $1,025. Receive one speeding ticket and the average cost rises to $1,180, an increase of $155 each year. Then include one accident along with the one speeding ticket and the annual cost of insurance for a Ford Explorer goes up to an average of $1,602. That’s an increase of $577, or $48 per month, just for not being more responsible behind the wheel!

Which car insurance company is best?

If you are looking for the best auto insurance, some of the largest companies to start with are Progressive, Geico, State Farm, and Allstate. When combined, they make up about 50% of all car insurance policies written. All offer liability and physical damage insurance, but each one has a unique set of features, discounts, and options that may influence which company you choose. The next table rates some of the ratings and options that are available.