Buying competitive coverage for a Ford Explorer in Georgia is dependent upon a lot of things such as driver age, the likelihood of your vehicle being stolen, and driving violations. Drivers will pay around $1,635 annually for Explorer insurance, but that price is an approximation using a 30-year-old single female driver with full physical damage coverage and $100 deductibles.
When estimating a car insurance rate like we just did, the issue is that you aren’t exactly 30 years old or even a female, maybe you are married instead of single, and maybe you want higher deductibles. Even a slight difference in rating factors or requested coverage amount can result in a massive change in the price of a policy.
Not every driver requires the same auto insurance coverages, so the best way to find the cheapest rates for your Ford is to just take the time to compare rates yourself.
The trim level of your Ford tends to impact the coverage cost, so the price you will be charged to insure a Explorer XLT 2WD trim level will be $182 cheaper than the insurance cost for the high end Explorer Limited AWD trim level, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Explorer XLT 2WD | $376 | $618 | $532 | $32 | $158 | $1,716 | $143 |
| Explorer Eddie Bauer 2WD | $376 | $618 | $532 | $32 | $158 | $1,716 | $143 |
| Explorer XLT 4WD | $376 | $618 | $532 | $32 | $158 | $1,716 | $143 |
| Explorer XLT AWD | $376 | $618 | $532 | $32 | $158 | $1,716 | $143 |
| Explorer Eddie Bauer 4WD | $424 | $752 | $532 | $32 | $158 | $1,898 | $158 |
| Explorer Eddie Bauer AWD | $424 | $752 | $532 | $32 | $158 | $1,898 | $158 |
| Explorer Limited 2WD | $424 | $752 | $532 | $32 | $158 | $1,898 | $158 |
| Explorer Limited 4WD | $424 | $752 | $532 | $32 | $158 | $1,898 | $158 |
| Explorer Limited AWD | $424 | $752 | $532 | $32 | $158 | $1,898 | $158 |
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Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Premium costs do not factor in specific Atlanta garaging location which can change coverage prices considerably.
Selecting the highest-rated insurance provider can be rather challenging considering how many choices you have in Georgia. The company information displayed below may help you pick which coverage providers to look at when looking for cheaper rates. These rankings are only made up of companies that insure vehicles across America, so companies that may only write in Georgia are not included in the list.
Top 10 Large Auto Insurance Providers in Atlanta Ranked by A.M. Best Rating
- Travelers – A++
- USAA – A++
- GEICO – A++
- State Farm – A++
- Titan Insurance – A+
- Esurance – A+
- Progressive – A+
- The Hartford – A+
- Allstate – A+
- Nationwide – A+
The illustration below shows how choosing a deductible can affect yearly insurance costs when trying to find cheap insurance for a Ford Explorer. Data assumes a single male driver, comp and collision included, and no discounts are taken into consideration.
As shown above, a 40-year-old driver could lower rates by $336 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $510 by switching to a $1,000 deductible. Younger drivers, like the Age 20 chart data, have the ability to save $1,092 each year just by choosing larger deductibles.
When increasing deductibles, it is essential to have plenty of money set aside to enable you to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.
Why are you paying too much for Explorer insurance?
Atlanta auto insurance rates are calculated based on many things that may substantially change your annual premium. Turning one year older, buying a home instead of renting, or getting a ticket for running a stop sign can trigger rate changes resulting in some companies being cheaper than others. Additionally, insurers change prices as often as every three months in order to remain profitable. Significantly higher claims can cause rate increases, while less frequent claims can produce more affordable Explorer insurance rates.
To illustrate this point, the graph below shows a variety of companies that have the cheapest car insurance in Atlanta, GA for a 35-year-old male driver with a clear driving record, no claims, and solid credit. If we compare prices based on his current rating profile, Auto-Owners may offer the most affordable car insurance rates in Atlanta at $1,125 per year. This is $404 less than the average premium paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and Georgia Farm Bureau are the remaining best Atlanta, GA auto insurance companies.
The chart below compares rates after we give the driver from the above example a couple of claims, slightly worse credit, and a few traffic violations. Due to the fact that every auto insurer has a different formula for determining rates, comparing insurance quotes may now result in a different set of cheap Atlanta auto insurance companies as shown below.
The Hartford now has the best auto insurance rate in Atlanta, GA with Travelers, Safeco, Mercury, and State Farm now rounding out the top five. This demonstrates why drivers need to compare as many rates as possible when trying to find cheap car insurance quotes for a Ford Explorer.
Insurance prices are made up of many factors and change dramatically, so the best option the last time you compared rates may now be quite expensive.
How to find cheaper auto insurance for a Ford Explorer
The list below summarizes many penny-pinching solutions that can help drivers quote cheaper coverage.
- Do not get into accidents
- Raise deductibles
- Ensure your driving record is clean
- Assess whether full coverage is needed
- Get cheaper liability coverage by choosing a safer vehicle
- Pay cheaper rates with good credit scores
- Shop around for cheaper prices
That last tip is notably valuable, as we pointed out in the prior article. Auto insurance rates fluctuate constantly, so drivers shouldn’t be reluctant to change to a new company if a better deal can be had. Brand loyalty is not necessarily bad, but it’s not recommended if that inflexibility results in costing you a small fortune year after year. If you have a few minutes, now is a great time to shop around and find cheaper insurance for a Ford Explorer in Atlanta.
The agencies below can help you decide which auto insurance policy fits you best, as some people have coverage questions and would like to get some professional advice when shopping around for cheaper insurance for an Explorer. It can be hard to find the cheapest car insurance policy, so getting advice from a licensed Georgia insurance agent can give you satisfaction knowing your coverage gives you sufficient coverage for your assets. To locate an Atlanta insurance agent close to you, click the button at the bottom of the list or click here to compare price quotes now.
Perimeter Insurance Agency
5855 Buford Hwy NE # E – Atlanta, GA 30340 – (770) 452-8881
Allstate Insurance: Arlisher Jones
1176 Ralph David Abernathy Blvd SW – Atlanta, GA 30310 – (404) 752-7056
Aaron Frazier – State Farm Insurance Agent
NE, 4246 Peachtree Rd NE #7 – Atlanta, GA 30319 – (404) 233-4847
Dale Massey – State Farm Insurance Agent
4605 Roswell Rd NE – Atlanta, GA 30342 – (404) 257-8880