Best Cheap Insurance for a Ford Explorer in Pennsylvania
Finding the cheapest auto insurance for a Ford Explorer in Pennsylvania depends upon dozens of factors like how experienced of a driver you are, the likelihood of vehicle theft, and deductible levels for physical damage coverage. Drivers in Pennsylvania pay on average $990 annually to insure their Explorer, but that cost is a valuation calculated based on a 30-year-old single female driver with full coverage and $1,000 policy deductibles.
More than likely, you are not 30 and possibly not even female, married instead of single, or maybe you have a teen driver on your policy that needs to be considered. What seems to be a minor change in input factors can precipitate large changes in the cost of insurance for a Ford Explorer.
Auto insurance rates are unique for each driver, so the way we recommend to find cheap insurance prices for your Ford is to make a habit of comparing prices at least once a year. In just a couple of minutes you will receive price comparisons from top-rated car insurance companies that offer coverage in Pennsylvania.
Your Ford’s trim level tends to have a direct effect on the yearly cost, so the price you pay to insure a Explorer XLT 2WD will be $82 cheaper than the price to insure the high end Explorer Limited AWD version, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Explorer XLT 2WD||$174||$272||$444||$26||$134||$1,050||$88|
|Explorer Eddie Bauer 2WD||$174||$272||$444||$26||$134||$1,050||$88|
|Explorer XLT 4WD||$174||$272||$444||$26||$134||$1,050||$88|
|Explorer XLT AWD||$174||$272||$444||$26||$134||$1,050||$88|
|Explorer Eddie Bauer 4WD||$196||$332||$444||$26||$134||$1,132||$94|
|Explorer Eddie Bauer AWD||$196||$332||$444||$26||$134||$1,132||$94|
|Explorer Limited 2WD||$196||$332||$444||$26||$134||$1,132||$94|
|Explorer Limited 4WD||$196||$332||$444||$26||$134||$1,132||$94|
|Explorer Limited AWD||$196||$332||$444||$26||$134||$1,132||$94|
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Premium amounts do not factor in Pennsylvania location which can influence coverage rates considerably.
Finding decent, budget insurance is not the easiest thing to do, and finding out which companies offer the lowest-priced auto insurance rates for a Ford Explorer requires even more diligence.
Every auto insurer uses a slightly different approach for setting prices, so we’ll take a look at the most affordable auto insurance companies in Pennsylvania.
Find the Cheapest Car Insurance for Your Explorer
|Rank||Company||Cost Per Year|
|17||Mutual Benefit Group||$1,411|
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General Casualty has some of the most affordable car insurance rates in Pennsylvania at around $740 a year. USAA, Erie, Travelers, and Penn National are also some of the lowest-priced Pennsylvania auto insurance companies.
As illustrated above, if you are a customer of Travelers and switched to General Casualty, you may see annual savings of approximately $63. Policyholders with Penn National may save as much as $68 a year, and Auto-Owners customers might reduce prices by as much as $253 a year.
Remember that these premium estimates are averaged for all drivers and vehicles in Pennsylvania and do not factor in a specific rate factor for a Ford Explorer. So the car insurance company that can offer the best rates for your situation may not even be in the company chart above. That helps illustrate why you need to get rate quotes using your own specific driver information and vehicle.
Discounts on the best cheap insurance for a Ford Explorer in Pennsylvania
Insurers that sell policies for a Ford Explorer could also offer policy discounts that could reduce prices by 35% or more if you qualify. The best auto insurance companies and a partial list of their discounts can be read below.
- Progressive policyholders can earn discounts including homeowner, multi-policy, online signing, online quote discount, and multi-vehicle.
- AAA offers premium reductions for multi-policy, anti-theft, good driver, good student, pay-in-full, multi-car, and AAA membership discount.
- Farmers Insurance may include discounts for electronic funds transfer, distant student, teen driver, homeowner, and pay in full.
- GEICO offers discounts for driver training, multi-vehicle, military active duty, good student, and federal employee.
- Esurance may offer discounts for multi-policy, good student, paid-in-full, online shopper, online quote, safety device, and DriveSense.
- SAFECO discounts include teen safe driver, teen safety rewards, drive less, anti-theft, bundle discounts, safe driver, and homeowner.
- State Farm includes discounts for accident-free, driver’s education, good driver, good student, anti-theft, and student away at school.
The chart below shows the comparison of insurance costs with and without some available policy discounts. The prices are based on a female driver, a clean driving record, no at-fault accidents, Pennsylvania state minimum liability limits, full coverage, and $500 deductibles.
The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with defensive driving course, accident-free, marriage, passive restraint, multiple policy, and multiple vehicle discounts applied. When taking advantage of discounts, the average amount saved each year on auto insurance for a Ford Explorer is 28% or $456.
Cost difference between full coverage and liability
Finding the best cheap insurance for a Ford Explorer in Pennsylvania should be important to the majority of drivers, and one great way to reduce the cost of insurance is to not pay for full coverage. The diagram below illustrates the difference between auto insurance costs when comparing full coverage to liability only. The information is based on no claims or driving citations, $500 deductibles, single status, and no discounts are applied to the premium.
Averaged for all age groups, comprehensive and collision coverage on your policy costs an additional $1,871 per year more than just insuring for liability. That may make you wonder when is the right time to remove full coverage. There is no definitive rule for eliminating comp and collision coverage, but there is a general convention. If the yearly cost of comp and collision coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.
For example, let’s say your vehicle’s replacement value is $12,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company would pay you is $11,000 after paying the physical damage deductible. If it’s costing you more than $1,100 annually for physical damage coverage, then it’s probably a good time to buy liability coverage only.
Allstate, Geico, State Farm, and Progressive: Who is best?
When shopping for insurance for an Explorer in Pennsylvania, the companies with the most market share are Allstate, Geico, State Farm, and Progressive. Combined they insure 48.5% of all car insurance policies in America. They all have your normal coverages like liability, comprehensive, and collision, but each one offers somewhat different options that shoppers can choose from. The following table ranks some of the different options and features that may be available in your state.
|Percent of customers who recommend||86%||87%||88%||88%|
|Rating from A.M. Best||A+||A++||A++||A+|
|Accident forgiveness coverage||Yes||Yes||No||Yes|
|New car replacement||Yes||No||No||No|
|Emergency roadside assistance||Yes||Yes||Yes||Yes|
|Rating based on usage||Yes||No||Yes||Yes|
|Coverage for Uber and Lyft drivers||Yes||Yes||Yes||Yes|
|Coverage in Pennsylvania||Yes||Yes||Yes||Yes|
|Where to buy||Allstate exclusive agents||Online or through a Geico agent||State Farm exclusive agents||Indpendent agents or online|
|Number of agents||11,000+||150+||18,000+||30,000+|
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Find the best cheap insurance for a Ford Explorer in Pennsylvania
The list below shows many thrifty solutions that can help Pennsylvania drivers quote more affordable coverage.
- Raise physical damage deductibles
- Do not pay for comprehensive and collision coverage on older vehicles
- Do not get tickets
- Good credit can help you save money
- Prevent rate increases by staying accident-free
- Drive safe vehicles
- Compare rates once a year for cheaper prices
The last tip is remarkably important, as was stressed in this article. Coverage prices can change considerably based on profitability, so don’t be tentative to buy from a different company if a more affordable price is available. Many drivers prefer to stick with one company, but it’s not recommended if it’s costing you money that could be going to better use. Now is a great time to shop around and find cheaper car insurance for a Ford Explorer.
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