Auto Insurance Rate Quotes for a Ford Explorer Sport Trac in Sacramento

If you want to save the most money, the best way to quote cheaper car insurance rates in Sacramento is to compare quotes annually from providers in California.

• Step 1: It will benefit you to learn about the different coverages in a policy and the measures you can take to keep rates down. Many risk factors that increase rates like speeding tickets, accidents and poor credit history can be rectified by being financially responsible and driving safely. Keep reading for instructions to help prevent expensive coverage and find additional discounts.
• Step 2: Compare rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can provide rates from a single company like Progressive and State Farm, while agents who are independent can quote prices from multiple insurance companies.
• Step 3: Compare the new rate quotes to the premium of your current policy to see if a cheaper rate is available. If you can save money and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.

One bit of advice is that you’ll want to make sure you compare the same coverage limits and deductibles on each price quote and and to analyze as many different insurance providers as possible. Doing this helps ensure a level playing field and a better comparison of the market.

It’s an obvious conclusion that auto insurance companies want to prevent you from shopping around. People who shop for lower prices are likely to buy a different policy because they have a good chance of finding good coverage at a lower price. Surprisingly, a recent survey revealed that consumers who regularly compared price quotes saved over $865 a year as compared to drivers who don’t regularly compare prices.

If finding budget-friendly car insurance in Sacramento is your ultimate target, then knowing how to compare insurance premiums can help simplify the process.

Most companies like State Farm, Allstate and GEICO give coverage prices on their websites. The process is fairly straightforward as you just type in your coverage preferences into a form. When complete, the system automatically orders your driving and credit reports and gives you a price quote based on the data you entered. This makes it simple to compare prices and it’s absolutely necessary to get many rate quotes in order to find the cheapest possible prices on car insurance.

In order to find out how much you can save on car insurance, compare rates now from the companies shown below. If you currently have coverage, we recommend you complete the form with the limits and deductibles identical to your current policy. This guarantees you are getting a fair comparison using the exact same coverages.

The companies shown below are ready to provide free rate quotes in California. If multiple companies are listed, it’s highly recommended you get rates from several of them to find the most affordable car insurance rates.

Three good reasons to insure your Ford Explorer Sport Trac

Even though Sacramento Explorer Sport Trac insurance rates can get expensive, paying for car insurance serves several important purposes.

• Most states have mandatory liability insurance requirements which means the state requires specific minimum amounts of liability in order to drive the car legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
• If you bought your Ford with a loan, it’s most likely the lender will have a requirement that you carry insurance to guarantee loan repayment. If you let the policy lapse, the bank may buy a policy for your Ford for a much higher rate and force you to pay a much higher amount than you were paying before.
• Car insurance protects not only your car but also your financial assets. It will also cover most medical and hospital costs for both you and anyone you injure as the result of an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit in the event you are sued. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.

The benefits of insuring your car are without a doubt worth the cost, particularly if you ever have a claim. Unknowingly, the average driver is overpaying more than $820 a year so compare quotes from several companies every year to make sure the price is not too high.

Ford Explorer Sport Trac insurance analysis

The coverage information displayed next outlines different insurance costs for Ford Explorer Sport Trac models. Being more informed about how car insurance prices are established can help guide drivers when making smart buying decisions.

Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Information does not factor in specific location information which can alter insurance rates greatly.

Choosing deductibles

One of the most common car insurance questions is how high should your deductibles be. The following tables sum up how much more rates are when you select higher and lower comp and collision deductibles. The first price estimate table uses a $250 deductible for comprehensive and collision coverage and the second set of rates uses a $1,000 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Premium costs do not factor in specific Sacramento garaging location which can lower or raise rates considerably.

Based on the figures above, using a $250 deductible could cost the average driver approximately $29 more each month or $348 a year across all Ford Explorer Sport Trac models than quoting the higher $1,000 deductible. Since the policyholder 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 more than 26 months between claim filings, you would come out ahead going with the higher deductible.

Full coverage rates compared to liability-only

The example below compares Ford Explorer Sport Trac insurance costs with full physical damage coverage and with liability coverage only. The premiums assume no violations or claims, $1,000 deductibles, drivers are not married, and no discounts are factored in.

Should you be buying full coverage?

There is no specific rule for phasing out physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than around 10% of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.

For example, let’s say your Ford Explorer Sport Trac replacement value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would get paid by your company is $6,000 after the deductible is paid. If you are paying in excess of $600 annually for comprehensive and collision coverage, then you might consider buying liability only.

There are some conditions where eliminating full coverage is not a good idea. If you haven’t satisfied your loan, you have to carry full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not opt for liability only.

Verify you’re applying every discount

Insurance is neither fun to buy or cheap, but there could be available discounts that you may not know about. A few discounts will automatically apply when you complete an application, but some discounts are required to be asked for before being credited.

• Discounts for Safe Drivers – Insureds who avoid accidents can pay as much as 50% less than drivers with accidents.
• Student Discounts – Being a good student may save as much as 25% on a Sacramento auto insurance quote. Most companies allow this discount well after school through age 25.
• Drive Less and Save – Fewer annual miles on your Ford can earn slightly better insurance rates than normal.
• Multiple Vehicles – Insuring several vehicles with one company could earn a price break for each car.
• New Car Discount – Buying a new car instead of a used Explorer Sport Trac may earn a small discount since new model year vehicles have better safety ratings.
• Resident Student – Youth drivers who are enrolled in a college that is more than 100 miles from Sacramento and won’t have access to an insured vehicle can be insured at a reduced rate.
• No Charge for an Accident – This one isn’t a discount, but companies like Allstate, Progressive, and GEICO will allow you to have one accident before they charge you more for coverage as long as you don’t have any claims for a specific time period.
• Discounts for Federal Employees – Federal government employees can save as much as 8% with a few insurance companies.

You should keep in mind that most discount credits are not given to your bottom line cost. Some only apply to individual premiums such as comp or med pay. Even though the math looks like you can get free auto insurance, companies don’t profit that way.

The illustration below compares Ford Explorer Sport Trac auto insurance costs with and without discounts. The prices are based on a female driver, no violations or accidents, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, homeowner, safe-driver, marriage, and multi-car discounts applied.

Some of the insurance companies that may offer these benefits possibly include:

• American Family
• Farm Bureau
• State Farm
• Travelers
• The Hartford
• GEICO
• Progressive

If you need lower rates, check with all companies you are considering the best way to save money. A few discounts might not apply in your area. To choose insurance companies with the best discounts in Sacramento, click this link.