Cheap Insurance for a Ford Explorer in Lubbock

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Insurance for Ford ExplorerIf your goal is the lowest price, then the best way to find discount Ford Explorer insurance in Lubbock is to annually compare prices from companies who sell auto insurance in Texas. Drivers can shop around by completing these steps.

  1. Get an understanding of what coverages are included in your policy and the changes you can make to prevent expensive coverage. Many things that cause rate increases such as multiple speeding tickets and a lousy credit rating can be rectified by making lifestyle changes or driving safer. Read the full article for additional tips to find cheap prices and get additional discounts that may have been overlooked.
  2. Quote rates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can provide rates from one company like Progressive or State Farm, while agents who are independent can provide price quotes from multiple companies. View prices
  3. Compare the price quotes to the price on your current policy and see if there is a cheaper rate. If you find a lower rate, make sure coverage does not lapse between policies.
  4. Notify your agent or company of your intent to cancel your current car insurance policy and submit a signed application and payment to your new carrier. Once the paperwork is finalized, place your new certificate verifying coverage in your glove compartment.

An important bit of advice to remember is to compare similar coverage information on every quote and and to analyze as many companies as you can. Doing this provides the most accurate price comparison and the best price selection.

Remarkably, a study showed that nearly 70% of consumers have bought auto insurance from the same company for more than four years, and nearly 40% of drivers have never quoted rates to find cheap coverage. American drivers can cut their rates by nearly $850 a year, but they just assume it's a time-consuming process to compare rates and save money.

Many insurance companies give pricing on the web. The process doesn't take a lot of time as you simply type in your personal and coverage information into a form. Upon sending the form, the company's rating system collects your driving record and credit report and returns a price quote based on the information you submitted.

The ability to get online price quotes for Ford Explorer insurance in Lubbock makes it simple to compare prices and it is important to do this in order to find the most affordable car insurance rates.

If you want to find out how much you can save on car insurance, compare rate quotes from the providers shown below. If you have coverage now, it's recommended you type in coverages and limits exactly as shown on your declarations page. This helps ensure you will get a price comparison for similar coverage.

The companies in the list below have been selected to offer free quotes in Texas. If multiple companies are listed, it's highly recommended you visit several of them to get a more complete price comparison.

Insurance coverage analysis

The data table displayed below covers detailed analysis of coverage prices for Ford Explorer models. Having a better idea how policy premiums are calculated can assist in making smart buying decisions.

Ford Explorer Insurance Rates in Lubbock, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $298 $448 $392 $24 $118 $1,280 $107
Explorer Eddie Bauer 2WD $298 $448 $392 $24 $118 $1,280 $107
Explorer XLT 4WD $298 $448 $392 $24 $118 $1,280 $107
Explorer XLT AWD $298 $448 $392 $24 $118 $1,280 $107
Explorer Eddie Bauer 4WD $336 $544 $392 $24 $118 $1,414 $118
Explorer Eddie Bauer AWD $336 $544 $392 $24 $118 $1,414 $118
Explorer Limited 2WD $336 $544 $392 $24 $118 $1,414 $118
Explorer Limited 4WD $336 $544 $392 $24 $118 $1,414 $118
Explorer Limited AWD $336 $544 $392 $24 $118 $1,414 $118
Get Your Own Custom Quote Go

Price data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Rate information does not factor in vehicle garaging location which can raise or lower rates greatly.

Age-based car insurance rates by gender

The diagram below visualizes the comparison of Ford Explorer insurance costs for male and female drivers. The rates are based on no tickets, no at-fault accidents, full physical damage coverage, $250 deductibles, drivers are single, and no discounts are applied to the premium.

Price comparison of only insuring for liability

The chart below compares Ford Explorer auto insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The costs are based on no claims or violations, $250 deductibles, single status, and no other discounts are factored in.

When to buy liability coverage only

There is no definitive guideline for phasing out full coverage, but there is a general guideline you can use. If the annual cost of coverage is more than 10% of replacement cost minus your deductible, then it may be the right time to buy liability only.

For example, let's pretend your Ford Explorer replacement value is $3,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would receive is $2,000 after the deductible is paid. If it's costing you more than $200 annually to have full coverage, then it might be time to buy liability only.

There are some conditions where dropping full coverage is not financially feasible. If you haven't paid off your loan, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can't afford to buy a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.

When to contact an insurance agent

Many people just prefer to go talk to an agent and that can be a great decision Insurance agents can make sure you are properly covered and help in the event of a claim. One of the great benefits of price shopping on the web is the fact that drivers can get better rates and still buy from a local agent.

To find an agent, once you fill out this quick form, your coverage information is instantly submitted to local insurance agents in Lubbock that can give you free Lubbock auto insurance quotes for your insurance coverage. You never need to search for any insurance agencies due to the fact that quote results will go immediately to your email address. If you wish to compare prices from a specific insurance company, just search and find their rate quote page and complete a quote there.

Finding a good insurer requires more thought than just the bottom line cost. You should also get answers to these questions.

  • Is their price quote a firm figure or are their hidden costs?
  • What is their Better Business Bureau rating?
  • How are claims handled?
  • Do the coverages you're quoting properly cover your vehicle?
  • Which family members are covered?
  • How long have they worked with personal auto insurance coverage?