Save Money on Ford Explorer Insurance in Atlanta

Buying the most affordable Atlanta Ford Explorer insurance quotes can appear to be impossible for vehicle owners new to comparison shopping over the internet. With such a large number of agents and insurers available, how are we expected to possibly compare the different rates to find the cheapest price possible?

Unbelievable but true according to a study a large majority of auto insurance policyholders kept buying from the same company for at least four years, and nearly 40% of drivers have never even shopped around for lower-cost coverage. Most drivers in Georgia could save $1,000 each year, but most tend to underestimate how much savings they would realize if they switched.

Ford Explorer insurance discounts in Atlanta

Not many people think insurance is cheap, but there may be some discounts that can dramatically reduce your bill. Some of these discounts will be visible at the time you complete a quote, but some discounts are required to be specially asked for prior to getting the savings.

• Use Seat Belts – Requiring all passengers to use a seat belt can save up to 15% off PIP or medical payments premium.
• Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to complete a driver education course as it will make them better drivers and lower rates.
• Military Deployment Discount – Having a deployed family member could be rewarded with lower rates.
• Discount for Good Grades – Excelling in school could provide a savings of up to 20% or more. Many companies even apply the discount to college students up until you turn 25.
• Discount for Life Insurance – Insurance carriers who offer life insurance give a small discount if you purchase a life policy as well.
• Accident-Free Discounts – Atlanta drivers who stay claim-free can save substantially as opposed to policyholders that have many claims.
• Passive Restraints – Factory options such as air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
• Employee of Federal Government – Active or former government employment could cut as much as 10% off with certain companies.
• Online Discount – A few auto insurance companies will give you a small discount shop Atlanta car insurance on their website.
• 55 and Retired – Drivers over the age of 55 may receive lower premium rates.

As a footnote on discounts, most discount credits are not given to the overall cost of the policy. Most only apply to specific coverage prices like collision or personal injury protection. So even though they make it sound like adding up those discounts means a free policy, you won’t be that lucky.

A few companies that have most of the discounts above may include but are not limited to:

• Progressive
• GEICO
• State Farm
• Esurance
• The Hartford

Before buying, ask all the companies how you can save money. Some discounts listed above might not be offered in Atlanta. For a list of companies that have a full spectrum of discounts in Atlanta, click here.

Cheapest Ford Explorer insurance rate quotes in Atlanta

Most companies like State Farm, GEICO and Progressive allow consumers to get insurance quotes on the web. Getting quotes for Ford Explorer insurance in Atlanta is fairly simple as you just type in your coverage information into the form. After you submit the form their system gets information on your driving record and credit history and returns a price quote based on the information you submitted.

Quoting online for Ford Explorer insurance in Atlanta makes it easy to compare insurance prices and it is imperative to have as many quotes as possible if you want to get the best rate on car insurance.

To quickly find out if lower rates are available, compare rates now from the companies shown below. If you currently have coverage, we recommend you replicate deductibles and limits just like they are on your policy. Doing this guarantees you will be getting rate quotes based on similar coverages.

The companies in the list below provide quotes in Georgia. If multiple providers are shown, we suggest you click on several of them to get the cheapest price.

Data rating is based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Rate quotes do not factor in specific Atlanta garaging location which can alter coverage rates noticeably.

Higher deductibles lower rates

One common question asked by Atlanta drivers is what deductibles to buy. The comparison tables below outline the cost difference between low and high physical damage deductibles. The first set of prices uses a $100 deductible and the second set of rates uses a $500 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Estimates do not factor in garaging location in Atlanta which can impact prices noticeably.

Based on this data, using a $100 deductible will cost you approximately $26 more each month or $312 each year than selecting the higher $500 deductible. Since the policyholder would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you go at least 15 months between claims, you would probably save some money by selecting a higher deductible.

How accidents and violations affect rates

The illustration below illustrates how traffic citations and at-fault accidents raise Ford Explorer insurance costs for each different age category. The premiums assume a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.

Car insurance cost for men versus women in Atlanta

The chart below shows the difference between Ford Explorer insurance premiums for male and female drivers. The premiums assume no claims or violations, comprehensive and collision coverage, $500 deductibles, drivers are not married, and no discounts are applied.

How Insurers Determine Ford Explorer Insurance Premiums

Many factors are considered when you get a price on insurance. Some factors are common sense like a motor vehicle report, but some are not as apparent such as whether you are married or your financial responsibility.

Shown below are a few of the things that factor into your premiums.

• Put fewer miles on your vehicle – Driving more miles in a year’s time the more it will cost to insure it. A lot of insurance companies rate vehicles based on how the vehicle is used. Autos that have low annual miles qualify for better rates than those used for commuting. An improperly rated Explorer may be costing you higher rates. It’s a good idea to make sure your auto insurance declarations sheet is showing the correct usage, because improper ratings can cost you money.
• Youthful drivers pay high rates – Beginning drivers in Georgia have been known to be less responsible when driving with friends therefore auto insurance rates are much higher. If you’ve ever had to add a inexperienced driver onto your auto insurance can increase premiums substantially. More experienced drivers are more responsible, tend to file fewer claims, and are safer drivers.
• Where you reside – Being located in a rural area may provide you with better prices if you are looking for the lowest rates. Fewer drivers on the road means less chance of accidents in addition to lower liability claims Drivers who live in large Georgia cities regularly have congested traffic and a longer drive to work. Spending more time driving can result in more accidents.
• Don’t buy extra coverages that may not be needed – There are many extra add-on coverages that you can get tricked into buying on your auto insurance policy. Insurance for things like rental car reimbursement, accidental death, and motor club memberships are probably not needed. These may sound like a good investment at first, but if you’ve never needed them in the past remove them from your policy.
• Traffic violations are costly – Just one ticket can increase the cost of insurance forty percent or more. Attentive drivers pay lower auto insurance prices than their less careful counterparts. Drivers who have received serious citations like DUI or reckless driving may find that they have to to submit a SR-22 form with the DMV in their state in order to prevent a license revocation.
• Claims statistics for a Ford Explorer – Auto insurance companies analyze the history of losses when determining insurance rates. Vehicles that historically have higher losses will cost more to insure.

  The table below outlines the insurance loss data used by companies for Ford Explorer vehicles. For each policy coverage type, the statistical loss for all vehicles, as a total average, is set at 100. Numbers that are below 100 mean the vehicle has better than average losses, while percentage values above 100 indicate frequent claims or an increased probability of a larger loss.

  Ford Explorer Insurance Claim Statistics

  Vehicle Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Ford Explorer 4dr 2WD	80	90	79	75	70	82
  Ford Explorer 4dr 4WD	94	94	97	75	70	85

  BETTER

  AVERAGE

  WORSE

  Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Car insurance can get complicated

When it comes to adequate coverage for your vehicles, there really is no “perfect” insurance plan. Your financial needs are unique.

For example, these questions can help discover if your insurance needs would benefit from professional advice.

• What exactly is covered by my policy?
• Should I buy full coverage?
• What is medical payments coverage?
• Are combined or split liability limits better?
• Can my teen drive my company car?
• How high should my uninsured/underinsured coverage be in Georgia?

If you can’t answer these questions, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Buying auto insurance from Atlanta insurance agents

Many drivers would prefer to talk to an insurance agent and doing so can bring peace of mind One of the best bonuses of getting online price quotes is you may find lower rates and still have a local agent. Putting coverage with small agencies is important especially in Atlanta.

For easy comparison, once you complete this short form, your information is transmitted to companies in Atlanta who will return price quotes for your coverage. It simplifies rate comparisons since you won’t have to find an agent because prices are sent to you directly. You can get cheaper auto insurance rates AND an agent nearby. If you need to get a rate quote from one company in particular, you would need to go to their quote page and fill out the quote form the provide.

Picking the best insurer should include more criteria than just the quoted price. These questions are important to ask:

• Do they specialize in personal lines auto insurance in Atlanta?
• Do they have designations such as AIC, CPCU, or CIC?
• What discounts might you be missing?
• Are aftermarket or OEM parts used to repair vehicles?
• Do clients work directly with the agent or are most inquiries handled by a CSR?
• Which companies do they recommend if they are an independent agency?
• Are they properly licensed to sell insurance in Georgia?

Upon receiving good answers to any questions you have and a low price estimate, most likely you have located an provider that is a good match to properly service your auto insurance policy.

Why do I need car insurance?

Even though Atlanta Explorer insurance rates can get expensive, paying for car insurance is mandatory in Georgia but it also protects more than you think.

• Almost all states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific level of liability protection in order to get the vehicle licensed. In Georgia 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.
• If you bought your vehicle with a loan, most banks will make it mandatory that you have insurance to ensure they get paid if you total the vehicle. If you default on your policy, the bank may buy a policy for your Ford at a significantly higher premium and require you to reimburse them for it.
• Insurance protects not only your vehicle but also your assets. It will also reimburse you for all forms of medical expenses that are the result of an accident. Liability insurance, one of your policy coverages, also covers legal expenses in the event you are sued. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.

The benefits of having car insurance are without a doubt worth the cost, specifically if you ever have a liability claim. Today the average American driver is currently overpaying as much as $869 every year so compare rates at every policy renewal to save money.

A little work can save a LOT of money

More affordable car insurance in Atlanta is available on the web as well as from insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance companies may not offer rates over the internet and many times these small, regional companies sell through independent agencies.

You just read many ways to lower your Ford Explorer insurance premium rates in Atlanta. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may even discover the lowest premium rates come from a smaller regional carrier.

People switch companies for any number of reasons including policy non-renewal, denial of a claim, policy cancellation and unfair underwriting practices. It doesn’t matter why you want to switch switching car insurance companies is not as difficult as it may seem.

More tips and info about car insurance is available by following these links:

• Choosing a Car for Your Teen (State Farm)
• Who Has the Cheapest Atlanta Auto Insurance for Real Estate Agents? (FAQ)
• Who Has Cheap Atlanta Car Insurance Rates for a Hyundai Santa Fe? (FAQ)
• What Auto Insurance is Cheapest for a Honda CR-V in Atlanta? (FAQ)
• Who Has Cheap Car Insurance Rates for Drivers Under 25 in Atlanta? (FAQ)
• How Much are Auto Insurance Rates for 17 Year Olds in Atlanta? (FAQ)
• Who Has Affordable Auto Insurance for a Nissan Rogue in Atlanta? (FAQ)
• Who Has Cheap Car Insurance for Electric Cars in Atlanta? (FAQ)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
• Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
• Eight Auto Insurance Myths (Insurance Information Institute)