Ford Explorer Insurance Quotes in Los Angeles

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Did budget coverage turn out to be high-priced Ford Explorer insurance in Los Angeles? It's quite common and there are lots of Los Angeles residents who feel the same.

Insurance rates Ford Explorer in Los AngelesSad but true, the vast majority of car insurance customers have stayed with the same insurance company for at least four years, and just under half have never compared car insurance rates at all. Drivers in Los Angeles could save nearly 35% every year by just comparing quotes, but they just don't understand how much savings they would realize if they switched. You have multiple insurers to purchase coverage from, and even though it's nice to be able to choose, it can be more difficult to find the best rates for your vehicles.

You need to compare prices at least once a year because car insurance prices trend upward over time. Just because you had the best price on Ford Explorer insurance in Los Angeles a couple years back other companies may now be cheaper. Ignore everything you know about car insurance because you're going to get a crash course in the right way to remove unneeded coverages and save money.

Locating the best rates in Los Angeles can initially seem challenging. If you have a current auto insurance policy, you stand a good chance to be able to lower your rates using the ideas covered in this article. Smart shoppers just have to use the proper methods to quote multiple rates on the web.

Get cheaper Ford Explorer insurance in Los Angeles with discounts

Companies that sell car insurance don't necessarily list every possible discount very clearly, so below is a list both well-publicized as well as some of the hidden credits that you can use to lower your rates. If they aren't giving you every credit possible, you could be saving more on your car insurance.Discount car insurance

  • Pay Early and Save - By paying your entire bill at once rather than paying in monthly installments you can avoid the installment charge.
  • Service Members Pay Less - Being on active duty in the military may qualify for rate reductions.
  • Auto/Life Discount - Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase a life insurance policy as well.
  • Drivers Education - Make teen driver coverage more affordable by requiring them to enroll in driver's education if it's offered in school.
  • College Student Discount - Any of your kids who live away from home at college and leave their car at home may be able to be covered for less.
  • Renewal Discounts - Some larger companies reward drivers for renewing your policy before your current coverage expires. It can save you around 10%.
  • 55 and Retired - Drivers that qualify as senior citizens may receive a small decrease in premiums.
  • Home Ownership Discount - Just being a homeowner may earn you a small savings because it is proof of financial responsibility.
  • Bundled Policy Discount - If you insure your home and vehicles with one company you may earn at least 10% off all policies.
  • Professional Memberships - Participating in certain professional organizations may earn a discount on your bill.

It's important to note that most discounts do not apply to your bottom line cost. Some only reduce individual premiums such as liability and collision coverage. Despite the appearance that all the discounts add up to a free policy, companies wouldn't make money that way.

The example below illustrates the comparison of Ford Explorer insurance rates with and without some available policy discounts. The premiums are based on a male driver, no claims or violations, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, multi-car, marriage, claim-free, and homeowner discounts applied.

Some companies that may have these money-saving discounts possibly include:

When quoting, ask all companies you are considering which discounts can lower your rates. A few discounts might not apply everywhere. For a list of car insurance companies who offer car insurance discounts in California, click this link.

Most major insurance companies allow you to get prices for coverage from their websites. Getting quotes for Ford Explorer insurance in Los Angeles is quite simple as you just enter your coverage preferences into a form. Once entered, their rating system pulls information on your driving record and credit history and gives you a price quote determined by many factors. Getting online rates for Ford Explorer insurance in Los Angeles streamlines rate comparisons, and it is important to do this in order to get the best rate.

To quickly find out what other companies charge, visit the companies below or click here to submit a quote request to multiple companies at once. If you have a policy now, it's recommended you input your coverages just like they are on your policy. Doing this guarantees you will be getting rate quotes for exact coverage.

The auto insurance companies shown below are ready to provide comparison quotes in Los Angeles, CA. If multiple companies are listed, it's a good idea that you visit several of them to get the best price comparison.

Rates and other information

The premium table below outlines a range of insurance costs for Ford Explorer models. Learning a little about how auto insurance policy rates are figured can be useful when making decisions when shopping around.

Ford Explorer Insurance Rates in Los Angeles, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $278 $382 $442 $26 $132 $1,260 $105
Explorer Eddie Bauer 2WD $278 $382 $442 $26 $132 $1,260 $105
Explorer XLT 4WD $278 $382 $442 $26 $132 $1,260 $105
Explorer XLT AWD $278 $382 $442 $26 $132 $1,260 $105
Explorer Eddie Bauer 4WD $314 $464 $442 $26 $132 $1,378 $115
Explorer Eddie Bauer AWD $314 $464 $442 $26 $132 $1,378 $115
Explorer Limited 2WD $314 $464 $442 $26 $132 $1,378 $115
Explorer Limited 4WD $314 $464 $442 $26 $132 $1,378 $115
Explorer Limited AWD $314 $464 $442 $26 $132 $1,378 $115
Get Your Own Customized Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Rate quotes do not factor in garaging location in Los Angeles which can revise premiums greatly.

Higher deductibles save money

One common question asked by Los Angeles drivers is which deductibles should you choose. The rates below may help you to understand the costs and benefits when you choose different insurance deductibles. The first rate estimation uses a $250 physical damage coverage deductible and the second data table uses a $500 deductible.

Ford Explorer insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $342 $472 $442 $26 $132 $1,439 $120
Explorer Eddie Bauer 2WD $342 $472 $442 $26 $132 $1,439 $120
Explorer XLT 4WD $342 $472 $442 $26 $132 $1,439 $120
Explorer XLT AWD $342 $472 $442 $26 $132 $1,439 $120
Explorer Eddie Bauer 4WD $386 $576 $442 $26 $132 $1,587 $132
Explorer Eddie Bauer AWD $386 $576 $442 $26 $132 $1,587 $132
Explorer Limited 2WD $386 $576 $442 $26 $132 $1,587 $132
Explorer Limited 4WD $386 $576 $442 $26 $132 $1,587 $132
Explorer Limited AWD $386 $576 $442 $26 $132 $1,587 $132
Get Your Own Customized Quote Go
Ford Explorer insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $278 $382 $442 $26 $132 $1,260 $105
Explorer Eddie Bauer 2WD $278 $382 $442 $26 $132 $1,260 $105
Explorer XLT 4WD $278 $382 $442 $26 $132 $1,260 $105
Explorer XLT AWD $278 $382 $442 $26 $132 $1,260 $105
Explorer Eddie Bauer 4WD $314 $464 $442 $26 $132 $1,378 $115
Explorer Eddie Bauer AWD $314 $464 $442 $26 $132 $1,378 $115
Explorer Limited 2WD $314 $464 $442 $26 $132 $1,378 $115
Explorer Limited 4WD $314 $464 $442 $26 $132 $1,378 $115
Explorer Limited AWD $314 $464 $442 $26 $132 $1,378 $115
Get Your Own Customized Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Premium costs do not factor in specific zip code location which can decrease or increase prices considerably.

We can estimate from the data above that using a $250 deductible will cost you approximately $16 more each month or $192 every year than buying the higher $500 deductible. Because you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you usually have more than 16 months between claim filings, you would more than likely save some money going with the higher deductible.

How to calculate deductible break even point

Average monthly premium for $250 deductibles: $127
Average monthly premium for $500 deductibles (subtract): - $111
Monthly savings from raising deductible: $16
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $16
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 16 months

An important thing to remember is that a higher deductible means you will have to cover more of the damage yourself when you file a claim. It will be required that you have some extra savings in order to pay more to get your vehicle repaired.

Illustration showing the impact of accidents and violations

The example below shows how traffic citations and at-fault fender-benders can affect Ford Explorer insurance rates for different ages of insureds. The price estimates are based on a married female driver, full physical damage coverage, $100 deductibles, and no additional discounts are factored in.

Car insurance premiums by gender

The illustration below shows the comparison of Ford Explorer insurance prices for male and female drivers. The premiums assume no claims or driving violations, full coverage, $500 deductibles, single status, and no discounts are applied to the premium.

Insurance agents can help

Always remember that when buying the right insurance coverage, there isn't really a "best" method to buy coverage. You are unique so this has to be addressed.Safe vehicles cost less to insure Here are some questions about coverages that can help discover whether you might need professional guidance.

  • How do I file an SR-22 for a DUI in California?
  • Can I make deliveries for my home business?
  • If my pet gets injured in an accident are they covered?
  • Do I pay less if my vehicle is kept in my garage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Is rental equipment covered for theft or damage?
  • Am I covered when using my vehicle for business?
  • Should I have combined single limit or split liability limits?
  • Where can I find high-risk insurance?
  • What if I don't agree with a claim settlement offer?

If you can't answer these questions but one or more may apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Local Los Angeles insurance agents

Some people just want to get advice from a local agent and that is just fine! Licensed agents are trained to spot inefficiencies and give you someone to call. One of the best bonuses of price shopping on the web is that drivers can save money and get cheap rate quotes and still have an agent to talk to.

After filling out this simple form, your coverage information is submitted to insurance agents in Los Angeles who will gladly provide quotes for your business. You won't need to contact any agents as quotes are delivered straight to your inbox. If for some reason you want to quote rates from a specific company, you would need to go to their quote page and complete a quote there.

Deciding on an insurance company is decision based upon more than just a low price. Any agent in Los Angeles should have no problem answering these questions:

  • Is the agency active in community causes in Los Angeles?
  • Who are their largest clients?
  • If you are a high risk driver, do they have special markets for your coverage?
  • Is assistance available after office hours?
  • How much experience to they have in personal lines coverages?

The following is a list of car insurance companies in Los Angeles that may be willing to give rate quotes for Ford Explorer insurance in Los Angeles.

1145 S Western Ave - Los Angeles, CA 90006 - (323) 733-6680 - View Map

12245 California Route 2 - Los Angeles, CA 90025 - (310) 826-8700 - View Map

3824 Crenshaw Blvd - Los Angeles, CA 90008 - (323) 293-9990 - View Map

875 N Gower St - Los Angeles, CA 90038 - (323) 462-1096 - View Map

More Los Angeles agents

One last note

We covered many tips how you can compare Ford Explorer insurance auto insurance rates in Los Angeles. It's most important to understand that the more providers you compare, the higher the chance of saving money. Consumers may even find the lowest priced car insurance comes from a small local company. They may only write in your state and offer lower premium rates compared to the large companies like GEICO and State Farm.

Some companies don't offer online rate quotes and many times these smaller companies provide coverage only through independent insurance agents. Lower-priced car insurance in Los Angeles is available both online as well as from independent agents in Los Angeles, and you should compare rates from both to have the best selection.

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