Who Has Cheap Insurance for a Ford Explorer in Alaska?
Enter your Alaska zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 11, 2019
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Your chances of finding cheap insurance for a Ford Explorer in Alaska depends upon a calculation that uses factors like the number of years you have been driving, if you have a coverage lapse, and the level of deductible you choose. Drivers in Alaska will pay around $910 per year to buy Ford Explorer insurance, but that amount is a valuation using cost data for a 30-year-old married male driver that has full physical damage coverage and $100 policy deductibles.
It’s highly likely you are not 30 and possibly not even male, single instead of married, and you possibly have other drivers on your policy that need factored in. Each driver’s needs are different, and that demonstrates why the most reliable method for finding the cheapest rates for your Ford is to compare rates from as many companies as possible. Comparing quotes is easy and you will be able to see rates from some of the most affordable companies that offer coverage in Alaska.
Your Ford’s trim level will influence the cost of coverage, so the rate you pay to insure a Explorer XLT 2WD trim level will be $104 cheaper than the price to insure the more costly Explorer Limited AWD trim level, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Explorer XLT 2WD||$234||$348||$272||$16||$82||$952||$79|
|Explorer Eddie Bauer 2WD||$234||$348||$272||$16||$82||$952||$79|
|Explorer XLT 4WD||$234||$348||$272||$16||$82||$952||$79|
|Explorer XLT AWD||$234||$348||$272||$16||$82||$952||$79|
|Explorer Eddie Bauer 4WD||$264||$422||$272||$16||$82||$1,056||$88|
|Explorer Eddie Bauer AWD||$264||$422||$272||$16||$82||$1,056||$88|
|Explorer Limited 2WD||$264||$422||$272||$16||$82||$1,056||$88|
|Explorer Limited 4WD||$264||$422||$272||$16||$82||$1,056||$88|
|Explorer Limited AWD||$264||$422||$272||$16||$82||$1,056||$88|
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Alaska minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Rates do not factor in zip code location which can alter auto insurance rates considerably.
Trying to buy reasonably-priced insurance is tough enough, and figuring out which insurers offer the lowest-priced insurance rates for a Ford Explorer will involve a little more work.
Each insurer has a unique approach to determine premium rates, so we’ll go over the insurance companies with the most affordable rates in Alaska.
|Rank||Company||Cost Per Year|
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Umialik offers some of the lowest car insurance rates in Alaska at around $892 a year. USAA, State Farm, Progressive, and GEICO would also make the list of some of the cheapest Alaska car insurance companies.
As illustrated above, if you are currently insured with Progressive and switched to Umialik, you may realize an annual savings of in the vicinity of $368. Insureds with GEICO may save as much as $1,070 a year, and Allstate customers might lower prices by up to $1,505 a year.
To see if your current coverage is too expensive, click here to begin a quote or visit several of the following companies.
Enter your zip code below to view companies that have cheap auto insurance rates.
Be aware that those prices are averages across all ages of drivers and types of vehicles and and are not figured with a specific rating modification for a Ford Explorer. So the insurer that has the cheapest price for you may not even be included in the chart above. That underscores the importance of why you need to compare rates from multiple companies using your own driver and vehicle profiles.
Comparison of full coverage and liability-only policies
Finding cheap insurance for a Ford Explorer in Alaska is important to the majority of people, and one common way to pay less for insurance is to not buy comprehensive and collision coverage. The illustration below shows the difference between car insurance costs with and without physical damage coverage. The rates are based on no claims or driving violations, $250 deductibles, drivers are not married, and no discounts are factored in.
As an average for all age groups, physical damage coverage on your policy costs an additional $1,582 per year over and above liability coverage. At some point, about every driver wonders if physical damage coverage is worth the money. There isn’t a written rule of when to drop physical damage coverage on your policy, but there is a general convention. If the annual cost of having full coverage is 10% or more of the settlement you would receive from your company, then it might be time to buy liability only.
Here’s why you should compare rates often
Alaska insurance rates are determined by lots of factors that control the price you have to pay. Improving your credit rating, marrying your spouse, or having an accident can cause premium changes that can make some companies more affordable than others. Not only may things change on your end, but auto insurance companies file new Alaska car insurance rates every year to adjust for gains or losses. Higher than usual claims can cause high rates, while a better claims history may result in cheaper Explorer insurance rates.
The graph below compares the cheapest car insurance in Alaska for a 45-year-old male driver with a good driving record, no prior claims, and a good credit history. If we estimate prices based on his current risk profile, Umialik may have the best car insurance rates in Alaska at $892 a year. This is $651 less than the average price paid by Alaska drivers of $1,543. USAA, State Farm, Progressive, and GEICO are the rest of the most affordable Alaska auto insurance companies.
In the next rate comparison, we’ll give the driver in the first chart an accident surcharge, a little lower credit rating, and a few blemishes on his driving record. Due to the fact that every auto insurer has a proprietary method for establishing rates, comparing rates will most likely result in a substantially altered list of cheap Alaska auto insurance companies as shown below.
State Farm now has the cheapest auto insurance in Alaska with USAA, Progressive, Umialik, and Safeco now being in the top five. This example proves why it is critical to shop around with many companies when trying to find the lowest insurance quotes for a Ford Explorer. Prices are calculated by many factors and can change substantially, so the best price the last time you shopped around may now be an over-priced policy.
How to find cheap insurance for a Ford Explorer in Alaska
The list below details many money-saving ideas that can help Alaska drivers buy the cheapest coverage.
- Pay less by remaining claim-free
- Bundle home and auto and save
- Good credit can save money
- Raise comprehensive and collision coverage deductibles
- Buy vehicles with five-star safety ratings
- Remove physical damage coverage on older vehicles
- Compare quotes from other companies often
That last idea is very important, as we pointed out in this article. Rates change frequently, so don’t be hesitant to switch carriers if a more affordable price is available.
Being loyal to a particular company is commendable, but is isn’t recommended if it’s costing you a fortune every year. Now is a great time to shop around to find cheaper auto insurance for a Ford Explorer.
Who has the cheapest Ford Explorer insurance quotes?
There are a variety of different ways to shop around for insurance in Alaska, but the three most common ways are through a non-exclusive or independent agent, a captive (or exclusive) agency like State Farm or Auto-Owners, or direct either online or via phone. You can use whichever you prefer, but buyers should know the differences in how they give price quotes.
Independent insurance agencies can place your business with multiple companies and can provide price quotes from all of them. They can quote with many companies and compare multiple rates, which can give you improved odds of finding cheaper coverage. If your agent finds better pricing, the business is moved internally which prevents you from having to switch agents.
A captive or exclusive agent is limited to one insurance company, two of the more popular are Allstate and Liberty Mutual agents. These guys and gals cannot place coverage with different providers, so you will not be able to compare multiple prices.
Consumers who buy insurance direct bypass local insurance agents and buy buying direct from a company like Progressive or Geico. Shopping direct may be good for people who have limited assets and know more than average about the limitations of their policy.
So comparing independent agents, exclusive agents, and direct, which one works best to find cheap insurance for a Ford Explorer in Alaska? It would be obvious to point out buying from a direct car insurance company results in the best prices since no commissions are paid to an agent, but in reality, that argument does not hold true. We could also assume that an independent agency can save the most money due to more options, but that is not necessarily true either. In a lot of cases, exclusive agencies may have prices well below independent agents AND direct companies.
Due to the large number of rating factors, the best method to get the cheapest rates is to get quotes and compare the rates. Smart shoppers will get quotes from all three to get a good idea who is cheapest. For a list of companies with some of the cheapest Alaska insurance rates, click here to view.
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