If you want to save money, the best way to get cheaper Ford Explorer insurance is to compare prices at least once a year from different companies in Cleveland.
- First, try to comprehend coverages and the measures you can take to prevent rate increases. Many rating factors that result in higher rates such as distracted driving and a negative credit score can be remedied by making minor driving habit or lifestyle changes.
- Second, get rate quotes from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from a single company like GEICO and State Farm, while agents who are independent can quote prices for a wide range of insurance providers.
- Third, compare the new quotes to the premium of your current policy to determine if you can save on Explorer insurance. If you find a better price and decide to switch, make sure there is no coverage gap between policies.
- Fourth, give notification to your agent or company to cancel your existing policy. Submit a signed application and payment to the new insurer. As soon as you have the new policy, store the certificate of insurance somewhere easily accessible.
A tip to remember is to use the same level of coverage on every price quote and to quote with as many auto insurance providers as possible. Doing this enables a fair price comparison and a good representation of prices.
Sad but true, most consumers have been with the same company for at least the last four years, and 38% of drivers have never compared rates from other carriers. Cleveland drivers can cut their rates by about $730 a year just by getting comparison quotes, but they just don’t understand how much they could save if they switched to a cheaper policy.
All the larger insurance companies such as 21st Century, Allstate and State Farm make it easy to get price estimates directly from their websites. Getting quotes for Ford Explorer insurance in Cleveland is pretty easy because you just enter your personal and coverage information as requested by the quote form. After you submit the form the system gets your driving record and credit report and returns pricing information based on these factors. Getting online rate quotes for Ford Explorer insurance in Cleveland makes it a lot easier to compare rates and it’s also necessary to get many rate quotes if you are searching for the best rate possible.
To save time and compare rates using this form now, compare rate quotes from the providers shown below. If you have your current policy handy, we recommend that you enter the limits and deductibles identical to your current policy. Doing this guarantees you are getting a rate comparison using the exact same coverages.
The following companies provide free rate quotes in Cleveland, OH. To get cheap car insurance in OH, we recommend you visit several of them to find the lowest auto insurance rates.
Best reasons to buy insurance in Ohio
Despite the fact that insurance is not cheap in Cleveland, buying insurance is most likely required but also gives you several important benefits.
First, the majority of states have compulsory liability insurance requirements which means you are required to carry a specific level of liability coverage in order to get the vehicle licensed. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if your vehicle has a loan, more than likely the lender will stipulate that you have full coverage to protect their interest in the vehicle. If you let the policy lapse, the bank will be required to insure your Ford at a significantly higher premium and require you to pay a much higher amount than you were paying before.
Third, insurance protects both your Ford Explorer and your assets. Insurance will also pay for medical expenses for yourself as well as anyone injured by you. Liability coverage will also pay for a defense attorney if someone files suit against you as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, your insurance policy will pay to repair the damage minus the deductible amount.
The benefits of carrying adequate insurance more than cancel out the cost, especially when you need to use it. As of last year, the average driver in Ohio is overpaying more than $750 every year so it’s very important to do a rate comparison at least once a year to ensure rates are inline.
Facts and figures for Ford Explorer insurance
The premium information shown next covers detailed analysis of insurance premium costs for Ford Explorer models. Learning as much as possible about how auto insurance premiums are calculated can be useful when making decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Explorer XLT 2WD | $222 | $290 | $298 | $18 | $88 | $916 | $76 |
| Explorer Eddie Bauer 2WD | $222 | $290 | $298 | $18 | $88 | $916 | $76 |
| Explorer XLT 4WD | $222 | $290 | $298 | $18 | $88 | $916 | $76 |
| Explorer XLT AWD | $222 | $290 | $298 | $18 | $88 | $916 | $76 |
| Explorer Eddie Bauer 4WD | $252 | $352 | $298 | $18 | $88 | $1,008 | $84 |
| Explorer Eddie Bauer AWD | $252 | $352 | $298 | $18 | $88 | $1,008 | $84 |
| Explorer Limited 2WD | $252 | $352 | $298 | $18 | $88 | $1,008 | $84 |
| Explorer Limited 4WD | $252 | $352 | $298 | $18 | $88 | $1,008 | $84 |
| Explorer Limited AWD | $252 | $352 | $298 | $18 | $88 | $1,008 | $84 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Premium amounts do not factor in specific garaging location which can decrease or increase premiums considerably.
Full coverage rates vs. liability-only in Cleveland
The information below compares Ford Explorer premium costs with full coverage compared to only the Ohio minimum liability coverage. The premium estimates are based on no driving violations, no at-fault accidents, $250 deductibles, drivers are not married, and no discounts are taken into consideration.
Deciding between full coverage and liability only
There is no exact formula for eliminating physical damage coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is about 10% or more of replacement cost minus your deductible, then you might want to consider buying only liability coverage.
For example, let’s assume your Ford Explorer book value is $8,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $7,000 after the policy deductible has been paid. If it’s costing you more than $700 a year for your policy with full coverage, then it might be time to buy liability only.
There are some cases where buying only liability insurance is not recommended. If you have an outstanding loan on your vehicle, you have to keep full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is totaled, you should not buy liability only.
Get lower-cost Ford Explorer insurance in Cleveland with discounts
Insurance is neither fun to buy or cheap, but you can get discounts to help bring down the price. A few discounts will be applied when you quote, but a few must be inquired about before being credited. If they aren’t giving you every credit available, you could be paying more than you need to.
- Theft Deterrent System – Anti-theft and alarm system equipped vehicles can help prevent theft so companies will give you a small discount.
- Telematics Devices – Cleveland drivers who agree to allow driving data submission to spy on driving patterns by using a small device installed in their vehicle such as Progressive’s Snapshot could possibly reduce rates if their driving habits are good.
- Low Mileage – Keeping the miles down on your Ford may allow you to get discounted prices on garaged vehicles.
- Accident Forgiveness Coverage – Not really a discount, but certain companies allow you one accident before raising your premiums if you have no claims prior to the accident.
- Driver’s Ed – It’s a good idea to have your young drivers successfully complete driver’s ed class if it’s offered in school.
- Employee of Federal Government – Active or retired federal employment could qualify for a slight premium decrease with certain companies.
- Good Student Discount – This discount can be rewarded with saving of up to 25%. You can use this discount normally up until you turn 25.
- Homeowners Savings – Just being a homeowner can earn you a little savings since home ownership is proof that your finances are in order.
- Anti-lock Brakes – Cars, trucks, and SUVs that have steering control and anti-lock brakes are safer to drive and will save you 10% or more on Explorer insurance in Cleveland.
Keep in mind that some credits don’t apply to the entire policy premium. Most only reduce individual premiums such as comp or med pay. So despite the fact that it appears all the discounts add up to a free policy, insurance companies wouldn’t stay in business.
The diagram below shows the difference between Ford Explorer premium costs with and without discounts applied to the policy rates. Data assumes a male driver, no tickets, no at-fault accidents, Ohio state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, claim-free, multi-car, homeowner, and safe-driver discounts applied.
Car insurance companies that may include these discounts include:
Double check with all the companies which discounts they offer. A few discounts may not be offered in Cleveland. To see companies that offer the discounts shown above in Ohio, click here to view.
Local neighborhood Cleveland car insurance agents
A lot of people just prefer to have an agent’s advice and that is not a bad decision Agents can answer important questions and help in the event of a claim. A good thing about comparing insurance prices online is you may find better rates but still work with a licensed agent.
After completing this form (opens in new window), your insurance coverage information is sent to companies in Cleveland who will return price quotes to get your business. You won’t even need to leave your house since rate quotes are delivered to you directly. If you need to get a comparison quote from a particular provider, don’t hesitate to visit that company’s website and complete a quote there.
Deciding on an insurer needs to be determined by more than just the bottom line cost. Here are some questions to ask:
- Do the agents have professional certifications like CPCU or CIC?
- Do they have cheaper tiers of coverage?
- Which family members are covered?
- How many years have they been established?
- If independent agents, which companies do they recommend?
- Are there any extra charges for paying monthly?
- Are there any discounts that you might be missing?
Two types of auto insurance agents
When researching a reputable agency, it’s helpful to know the types of agencies that differ in how they can insure your vehicles. Insurance policy providers may be either exclusive or independent. Either type can sell insurance policies, but it’s a good idea to understand how they are different because it can impact the type of agent you choose.
Exclusive Agencies
These agents normally can only provide a single company’s rates and some examples include State Farm or Allstate. Exclusive agents cannot provide rate quotes from other companies so keep that in mind. Exclusive agencies are usually quite knowledgeable on the products they sell which helps overcome the inability to quote other rates.
Below is a list of exclusive insurance agents in Cleveland that can give you rate quotes.
Allstate Insurance: Nanci Cieckiewicz
4719 State Rd – Cleveland, OH 44109 – (216) 739-0990 – View Map
Franklin Myles – State Farm Insurance Agent
3970 Mayfield Rd – Cleveland Heights, OH 44121 – (216) 291-9892 – View Map
Justin Ragor – State Farm Insurance Agent
3878 Rocky River Dr Ste 4 – Cleveland, OH 44111 – (216) 251-5300 – View Map
Independent Insurance Agents
Agents of this type are normally appointed by many insurers and that gives them the ability to insure with multiple insurance companies and potentially find a lower price. If premiums increase, your policy is moved internally and you don’t have to switch agencies. If you are comparing rate quotes, you definitely need to get several quotes from at least one independent agent for the best price selection.
The following are Cleveland independent insurance agencies willing to provide price quotes.
Select Insurance Services Agency, Inc.
12608 State Rd – Cleveland, OH 44133 – (440) 237-8555 – View Map
Insurance Consultants Agency
23980 Chagrin Blvd – Cleveland, OH 44122 – (216) 766-6300 – View Map
MR Insurance Partners Agency, Inc.
3310 Prospect Ave E – Cleveland, OH 44115 – (216) 361-9797 – View Map
Car insurance coverages for a Ford Explorer
Understanding the coverages of your car insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages found on the average car insurance policy.
Auto liability insurance
This coverage protects you from damages or injuries you inflict on a person or their property by causing an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.
Liability can pay for things such as loss of income, attorney fees, repair bills for other people’s vehicles, medical expenses and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford. Ohio state law requires minimum liability limits of 25/50/25 but it’s recommended drivers buy more coverage.
The chart below shows why buying low liability limits may not be enough.
Uninsured Motorist or Underinsured Motorist insurance
This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and also any damage incurred to your Ford Explorer.
Because many people have only the minimum liability required by law (25/50/25), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Collision protection
This pays for damage to your Explorer resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers things like damaging your car on a curb, crashing into a ditch, colliding with a tree and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible on your Explorer to bring the cost down.
Insurance for medical payments
Med pay and PIP coverage reimburse you for expenses like X-ray expenses, ambulance fees, doctor visits and pain medications. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay
Comprehensive coverage (or Other than Collision)
Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims such as damage from a tornado or hurricane, hail damage, rock chips in glass, damage from getting keyed and theft. The maximum amount your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Persistence pays off
When searching for affordable Ford Explorer insurance quotes, never buy less coverage just to save a little money. In many cases, someone sacrificed comprehensive coverage or liability limits only to find out that the few dollars in savings costed them thousands. Your aim should be to buy a smart amount of coverage at the best cost while still protecting your assets.
Budget-conscious Ford Explorer insurance can be bought from both online companies in addition to local insurance agencies, and you need to comparison shop both to have the best chance of lowering rates. A few companies do not offer internet price quotes and many times these smaller providers work with local independent agencies.
To read more, link through to the resources below:
- Credit and Insurance Scores (Insurance Information Institute)
- How Much are Car Insurance Rates for First-time Drivers in Cleveland? (FAQ)
- How Much are Cleveland Auto Insurance Quotes for a Hyundai Elantra? (FAQ)
- What does Personal Injury Protection (PIP) Cover? (Allstate)
- How to Avoid Staged Accidents (State Farm)
- What if I Can’t Find Coverage? (Insurance Information Institute)