Auto Insurance Quotes for a Ford Explorer in Cincinnati

It’s safe to conclude that car insurance companies want to prevent you from shopping around. Drivers who compare price quotes are likely to switch to a new company because there is a great chance of getting low-cost coverage. A survey found that drivers who make a habit of shopping around saved $3,400 over four years as compared to drivers who didn’t regularly shop around.

If finding the most affordable Ford Explorer insurance in Cincinnati is your target objective, then learning a little about how to choose a company and compare insurance premiums can save time, money, and frustration.

Discount Ford Explorer insuranceIf saving the most money is your goal, then the best way to find lower priced Ford Explorer insurance in Cincinnati is to compare prices at least once a year from insurers who sell auto insurance in Ohio. You can compare rates by following these steps.

A key point to remember is to make sure you’re comparing similar deductibles and liability limits on each price quote and and to compare as many car insurance companies as possible. This enables a fair price comparison and a thorough price selection.

Locating the best rates in Cincinnati is not that difficult as long as you know where to start. If you have a policy now, you will be able to lower your rates using this strategy. Smart buyers just have to know how to compare rate quotes from many different companies online.

Take policy discounts and save on Ford Explorer insurance in Cincinnati

Some providers don’t list every possible discount very well, so we break down both well-publicized and also the lesser-known credits that you can use to lower your rates.

Drivers should understand that some of the credits will not apply to the overall cost of the policy. A few only apply to specific coverage prices like medical payments or collision. Despite the appearance that all those discounts means the company will pay you, nobody gets a free ride.

The illustration below shows the difference between Ford Explorer insurance prices with and without policy discounts. The data assumes a male driver, no accidents, no driving violations, Ohio state minimum liability limits, comp and collision included, and $500 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, claim-free, marriage, and homeowner discounts applied.

A few popular companies and their offered discounts are outlined below.

Double check with every company what discounts are available to you. Some credits may not be available in your area.

Most larger insurance companies like Allstate, GEICO and Progressive provide coverage prices from their websites. Getting Ford Explorer insurance prices online is very simple because you just enter the amount of coverage you want as detailed in the form. After the form is submitted, their system will order your credit score and driving record and generates a price. Getting online rates for Ford Explorer insurance in Cincinnati makes it a lot easier to compare rates and it is imperative to get many rate quotes if you want to find affordable prices.

To save time and compare rates now, compare rate quotes from the providers shown below. If you have a policy now, it’s recommended you copy coverages and limits as close as possible to your current policy. Using the same limits helps guarantee you are getting an apples-to-apples comparison based on the exact same insurance coverage.

The following companies have been selected to offer quotes in Ohio. To locate the cheapest car insurance in Cincinnati, it’s a good idea that you compare several of them in order to get a fair rate comparison.

Analysis of Ford Explorer rates

The information below outlines detailed analysis of coverage costs for Ford Explorer models. Having a good understanding how insurance policy rates are figured can help drivers make informed coverage decisions.

Ford Explorer Insurance Rates in Cincinnati, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $192 $334 $274 $16 $82 $898 $75
Explorer Eddie Bauer 2WD $192 $334 $274 $16 $82 $898 $75
Explorer XLT 4WD $192 $334 $274 $16 $82 $898 $75
Explorer XLT AWD $192 $334 $274 $16 $82 $898 $75
Explorer Eddie Bauer 4WD $216 $406 $274 $16 $82 $994 $83
Explorer Eddie Bauer AWD $216 $406 $274 $16 $82 $994 $83
Explorer Limited 2WD $216 $406 $274 $16 $82 $994 $83
Explorer Limited 4WD $216 $406 $274 $16 $82 $994 $83
Explorer Limited AWD $216 $406 $274 $16 $82 $994 $83
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Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Price estimates do not factor in vehicle location which can revise rates significantly.

Policy deductibles

One of the most common auto insurance questions is the level to set your comp and collision deductibles. The comparisons below may help to illustrate the rate fluctuation when you select higher and lower comp and collision deductibles. The first set of rates uses a $100 comprehensive and collision deductible and the second pricing table uses a $1,000 deductible.

Ford Explorer insurance premium rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $196 $290 $226 $14 $68 $819 $68
Explorer Eddie Bauer 2WD $196 $290 $226 $14 $68 $819 $68
Explorer XLT 4WD $196 $290 $226 $14 $68 $819 $68
Explorer XLT AWD $196 $290 $226 $14 $68 $819 $68
Explorer Eddie Bauer 4WD $220 $352 $226 $14 $68 $905 $75
Explorer Eddie Bauer AWD $220 $352 $226 $14 $68 $905 $75
Explorer Limited 2WD $220 $352 $226 $14 $68 $905 $75
Explorer Limited 4WD $220 $352 $226 $14 $68 $905 $75
Explorer Limited AWD $220 $352 $226 $14 $68 $905 $75
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Ford Explorer insurance premium rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $108 $152 $226 $14 $68 $568 $47
Explorer Eddie Bauer 2WD $108 $152 $226 $14 $68 $568 $47
Explorer XLT 4WD $108 $152 $226 $14 $68 $568 $47
Explorer XLT AWD $108 $152 $226 $14 $68 $568 $47
Explorer Eddie Bauer 4WD $122 $186 $226 $14 $68 $616 $51
Explorer Eddie Bauer AWD $122 $186 $226 $14 $68 $616 $51
Explorer Limited 2WD $122 $186 $226 $14 $68 $616 $51
Explorer Limited 4WD $122 $186 $226 $14 $68 $616 $51
Explorer Limited AWD $122 $186 $226 $14 $68 $616 $51
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Price data assumes 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, claim-free, and multi-policy. Prices do not factor in garaging location in Cincinnati which can decrease or increase premium rates significantly.

Based on the figures above, using a $100 deductible costs roughly $23 more each month or $276 every year than buying the higher $1,000 deductible. Due to the fact that you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you have at least 39 months between claims, you would most likely save money if you choose a higher deductible. Here is an example of how this determination is made.

Average monthly premium for $100 deductibles: $72
Average monthly premium for $1,000 deductibles (subtract): – $49
Monthly savings from raising deductible: $23
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $23
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 39 months

One thing to note is that increasing deductibles to lower your rates results in having to pay to pay more out-of-pocket if you have a claim. You need to make sure you have enough extra savings in the event you have to pay the higher deductible.

Yearly auto insurance costs for men versus women

The example below shows the difference between Ford Explorer insurance costs for male and female drivers. The price estimates are based on no violations or claims, full coverage, $500 deductibles, single marital status, and no discounts are taken into consideration.

Should you buy full coverage?

The chart below compares Ford Explorer auto insurance rates with liability coverage only compared to full coverage. The premiums assume no violations or claims, $100 deductibles, single status, and no discounts are applied to the premium.

Guidelines for dropping full coverage

There isn’t a steadfast formula of when to eliminate full coverage, but there is a broad guideline. If the annual cost of having full coverage is more than 10% of the replacement cost minus the deductible, then you may need to consider dropping full coverage.

For example, let’s assume your Ford Explorer replacement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $7,000 after you pay the deductible. If you are paying more than $700 a year for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.

There are a few cases where eliminating full coverage is not in your best interest. If you have an outstanding loan on your vehicle, you have to keep full coverage to protect the lienholder’s interest. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not eliminate full coverage.

Save Money with These Tips

Many factors are part of the equation when you quote your car insurance policy. Most are fairly basic such as your driving record, but some are more transparent like where you live or your financial responsibility. One of the most helpful ways to save on insurance is to to have a grasp of some of the factors that come into play when calculating the rates you pay for insurance. When you understand what influences your rates, this allows you to make educated decisions that will entitle you to big savings.

Insurance agencies can help

A lot of people prefer to sit down with an agent and that can be a smart move Professional agents are trained risk managers and will help you if you have claims. One of the great benefits of comparing auto insurance online is you can get better rates and still choose a local agent.

For easy comparison, once you complete this form (opens in new window), your insurance data is transmitted to local insurance agents that provide free Cincinnati auto insurance quotes for your coverage. You don’t have to find an agent because quoted prices will be sent to the email address you provide. In the event you want to get a price quote from a specific insurance company, feel free to jump over to their website to submit a rate quote request.

Picking the best company is decision based upon more than just the quoted price. These are valid questions to ask:

If you feel you receive satisfactory answers as well as an affordable premium quote, you may have found an insurance company that meets the criteria to insure your vehicles.

Car insurance is not optional in Ohio

Even though Cincinnati Explorer insurance rates can get expensive, paying for car insurance may be required and benefits you in several ways.

The benefits of having car insurance are definitely more than the cost, particularly for liability claims. According to a survey of 1,000 drivers, the average driver overpays more than $820 a year so shop around once a year at a minimum to make sure the price is not too high.

Auto insurance company ratings

Ending up with a high-quality auto insurance company is hard considering how many different insurance companies sell coverage in Cincinnati. The ranking information in the next section may help you choose which car insurance providers to look at comparing rate quotes with.

Best Auto Insurance Companies in Cincinnati
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Titan Insurance 89 91 83 86% A+ 89.3
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Erie Insurance 92 90 82 88% A+ 88.5
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
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Data Source: Best Car Insurance Companies

A little work can save a LOT of money

You just learned a lot of information how to reduce Ford Explorer insurance premium rates online in Cincinnati. The most important thing to understand is the more times you quote, the better chance you’ll have of finding affordable Ford Explorer insurance quotes. You may even discover the most savings is with a lesser-known regional company. Some small companies can often provide lower prices in certain areas than the large multi-state companies such as GEICO and State Farm.

Cheap Ford Explorer insurance in Cincinnati is possible both online as well as from insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies do not provide online price quotes and usually these regional insurance providers prefer to sell through independent agents.

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