Find Affordable Ford Explorer Insurance in Columbus

Feel like you’re a prisoner to high-priced Ford Explorer insurance in Columbus? You’re preaching to the choir because there are many Columbus drivers thinking the same thing.

Amazingly, almost 70% of drivers have remained with the same car insurance company for at least four years, and virtually 40% of consumers have never even shopped around for cheap coverage. Many consumers in Ohio can save $700 each year just by shopping around, but they just assume it’s a time-consuming process to go online and compare rates.

How to buy low-cost Ford Explorer insurance in Columbus

It takes a little time, but the best way to get the cheapest car insurance rates in Columbus is to compare prices once a year from providers who provide car insurance in Ohio. Price quotes can be compared by following these steps.

Step 1: Try to learn a little about how companies set rates and the measures you can control to lower rates. Many risk factors that cause rate increases like at-fault accidents and an unacceptable credit history can be eliminated by making minor driving habit or lifestyle changes. Read the full article for the details to find cheap rates and find available discounts that you may qualify for.

Step 2: Compare rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can give quotes from one company like GEICO and Allstate, while agents who are independent can quote prices for many different companies.

Step 3: Compare the new rate quotes to your existing policy and determine if cheaper Explorer coverage is available. If you find better rates, verify that coverage does not lapse between policies.

One key aspect when comparing rates is that you’ll want to make sure you compare the same deductibles and limits on every quote and and to look at as many companies as possible. Doing this ensures a fair price comparison and a complete price analysis.

Numerous auto insurance companies battle for your hard-earned dollar, so it’s not easy to compare every insurer to get the best rate on Ford Explorer insurance in Columbus.

It’s a good habit to do price comparisons before your next renewal because car insurance prices change frequently. Just because you had the best rates on Ford Explorer insurance in Columbus at your last renewal other companies may now be cheaper. Ignore everything you know about car insurance because you’re going to get a crash course in how to use online quotes to save on car insurance.

If you’re already insured, you will surely be able to find the best rates using the tips covered below. Locating the most cost-effective insurance policy in Columbus is quite easy if you know the best way to do it. But Ohio consumers do need to understand how companies calculate your insurance rates because it varies considerably.

Cheapest Ford insurance prices in Columbus

The following companies can provide free rate quotes in Columbus, OH. If multiple companies are listed, we recommend you compare several of them in order to find the cheapest rates.

Data for Ford Explorer insurance

The rate table shown below covers detailed analysis of policy rates for Ford Explorer models. Having a good grasp of how insurance policy premiums are formulated is important for drivers to make decisions on the best policy to buy.

Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Rates do not factor in vehicle garaging location which can modify price quotes significantly.

Policy deductibles

The hardest decision when buying coverage is how high should the physical damage coverage deductibles be. The comparison tables below sum up the differences in premium rates between high and low comp and collision deductibles. The first rate comparisons uses a $250 deductible for comp and collision and the second set of prices uses a $1,000 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Prices do not factor in specific Columbus garaging location which can alter coverage prices greatly.

We can estimate from the data above that using a $250 deductible will cost you roughly $17 more each month or $204 annually than buying the higher $1,000 deductible. Because you would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have at a minimum 44 months between claim filings, you would save more money if you elect the higher deductible. The table below illustrates a better example of how we made this calculation.

One thing to be aware of is that increasing deductibles to save money means you will have to pay more out-of-pocket when you have a comprehensive or collision claim. You will want to have access to more funds in the event you need to pay the deductible to have repairs made.

Discounts can help lower rates on Ford Explorer insurance in Columbus

Car insurance can be pricey, but discounts can save money and there are some available to help bring down the price. Certain discounts will be triggered automatically at the time you complete a quote, but lesser-known reductions have to be specifically requested before being credited.

• Military Discounts – Being on active deployment in the military may qualify for rate reductions.
• Club Memberships – Affiliation with qualifying employment or professional organizations could earn you a nice discount on your next renewal.
• Discounts for Multiple Vehicles – Purchasing coverage when you have all your vehicles on one policy may reduce the rate for each vehicle.
• Columbus Homeowners Pay Less – Just owning your own home can help you save on car insurance due to the fact that maintaining a home means you have a higher level of financial diligence.
• Discount for New Cars – Insuring a new Explorer can save up to 30% due to better safety requirements for newer vehicles.
• Defensive Driver Discount – Successfully completing a course in driver safety is a good idea and can lower rates if you qualify.
• Discount for Life Insurance – Larger companies have lower prices if you buy auto and life insurance together.

We need to note that most discount credits are not given to the overall cost of the policy. Most cut the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like all those discounts means the company will pay you, you’re out of luck.

The illustration below shows the difference between Ford Explorer insurance costs with and without discounts applied to the policy rates. The premium estimates are based on a female driver, no claims, a clean driving record, Ohio state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, multi-policy, marriage, claim-free, and homeowner discounts applied.

Large car insurance companies and some of the premium reductions they offer are shown below.

• State Farm may have discounts that include defensive driving training, multiple policy, student away at school, accident-free, and good student.
• American Family policyholders can earn discounts including multi-vehicle, mySafetyValet, early bird, TimeAway discount, Steer into Savings, good driver, and good student.
• GEICO has discounts for defensive driver, five-year accident-free, anti-theft, daytime running lights, multi-policy, emergency military deployment, and multi-vehicle.
• 21st Century offers discounts for student driver, driver training, teen driver, air bags, defensive driver, and 55 and older.
• Progressive includes discounts for homeowner, multi-policy, online signing, multi-vehicle, online quote discount, and continuous coverage.

When getting a coverage quote, ask all companies you are considering how many discounts you can get. Some of the discounts discussed earlier might not be offered in Columbus. To see a list of insurers that offer some of these discounts in Ohio, click this link.

How to know if you need help

When buying coverage, there really is no one-size-fits-all type of policy. Your situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine if your insurance needs could use an agent’s help.

• Does my car insurance cover rental cars?
• Exactly who is provided coverage by my policy?
• How much liability do I need to cover my assets?
• Am I covered if I hit a deer?
• At what point should I drop full coverage?
• Is my teen driver covered when they drive my company car?
• What is high-risk coverage and where do I buy it?
• When can my company non-renew my policy?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Do I need an insurance agent?

Many people still like to go talk to an agent and we recommend doing that A good thing about comparing insurance online is you can get the best rates and still choose a local agent. Buying from and supporting local insurance agencies is still important in Columbus.

Once you complete this short form, your insurance data is instantly submitted to local insurance agents who will gladly provide quotes for your insurance coverage. It’s much easier because you don’t need to even leave your home because prices are sent directly to you. You can most likely find cheaper rates AND an agent nearby. If you want to get a comparison quote from a specific insurance company, feel free to search and find their rate quote page to submit a rate quote request.

Shown below is a short list of auto insurance companies in Columbus that may be willing to give rate quotes for Ford Explorer insurance in Columbus.

More Columbus agents

Finding a good provider requires you to look at more than just the quoted price. Before buying a policy in Columbus, get answers to these questions.

• Do you need full coverage on every vehicle?
• Do they carry Errors and Omissions coverage?
• Which companies can they place coverage with?
• Do they have a Better Business Bureau rating in Columbus?
• How long has the business existed?
• Do you qualify for any additional discounts?
• Do they offer accident forgiveness?
• Is vehicle mileage a factor when determining depreciation for repairs?

Once you have received positive responses and locked in a price quote, most likely you have located an provider that can be trusted to provide insurance coverage.

What is YOUR best insurance company?

When you buy Columbus car insurance online, it’s a bad idea to buy less coverage just to save a little money. There are many occasions where drivers have reduced liability coverage limits only to regret they didn’t have enough coverage. Your objective should be to buy a smart amount of coverage at the lowest possible cost, not the least amount of coverage.

Cheaper Ford Explorer insurance in Columbus is available on the web and from local agencies, so you need to shop Columbus car insurance with both in order to have the best chance of saving money. Some insurance providers may not provide internet price quotes and these small, regional companies only sell coverage through independent agencies.

In this article, we presented some good ideas how you can get a better price on Ford Explorer insurance in Columbus. The most important thing to understand is the more quotes you get, the better your chances of lowering your car insurance rates. You may even be surprised to find that the best rates are with a smaller regional carrier. They may cover specific market segments cheaper than their larger competitors like GEICO and State Farm.

Steps to buying discount Ford Explorer insurance in Columbus

If you want to find the absolute lowest rates, then the best way to quote cheaper Ford Explorer insurance is to start comparing prices yearly from insurers in Columbus.

1. Take a little time to learn about car insurance and the things you can control to keep rates low. Many rating criteria that cause rate increases like traffic violations, accidents, and an unfavorable credit rating can be amended by being financially responsible and driving safely.
2. Obtain price quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give rate quotes from one company like GEICO or Allstate, while independent agents can provide price quotes from multiple companies.
3. Compare the quotes to the price on your current policy to see if you can save by switching companies. If you find a lower rate and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.

One thing to remember is to try to compare similar coverage information on every quote and and to get price quotes from as many car insurance companies as possible. Doing this guarantees a level playing field and a thorough price selection.

Even more information can be found by following these links:

• Information for Teen Drivers (GEICO)
• Who Has Affordable Car Insurance Rates for Drivers Over Age 50 in Columbus? (FAQ)
• Who Has Affordable Columbus Car Insurance for Felons? (FAQ)
• Who Has Affordable Auto Insurance for Lyft Drivers in Columbus? (FAQ)
• How Much is Auto Insurance for High Risk Drivers in Columbus? (FAQ)
• Who Has the Cheapest Car Insurance Rates for Drivers Over Age 70 in Columbus? (FAQ)
• How to Avoid Staged Accidents (State Farm)
• Senior Drivers (Insurance Information Institute)
• Understanding your Policy (NAIC.org)
• New head restraint design cuts injuries (Insurance Institute for Highway Safety)