How long has it been since the last time you looked for more competitive car insurance rates in Los Angeles, CA? Los Angeles buyers have a choice when searching for affordable Ford Explorer Sport Trac insurance. You can either waste hours driving around to compare prices or use the internet to compare rates. There are both good and bad ways to shop for car insurance so we’re going to tell you the absolute fastest way to quote coverages on a Ford and find the cheapest rates either online or from Los Angeles insurance agents.
If you have a policy now or are just looking to switch companies, you can learn to lower your rates while maximizing coverage. The purpose of this post is to instruct you on the best way to quote coverages. Shoppers just need to know the quickest method to find the lowest price from multiple carriers.
Finding Ford Explorer Sport Trac insurance in Los Angeles, California
The companies shown below can provide comparison quotes in Los Angeles, CA. If several companies are displayed, we suggest you get rate quotes from several of them to get the most affordable price.
Rates and data analysis
The rate table shown next highlights a range of prices for Ford Explorer Sport Trac models. Being more informed about how auto insurance prices are formulated can benefit drivers when making smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Explorer Sport Trac XLT 2WD | $242 | $382 | $442 | $26 | $132 | $1,224 | $102 |
| Explorer Sport Trac Limited 2WD | $278 | $382 | $442 | $26 | $132 | $1,260 | $105 |
| Explorer Sport Trac XLT 4WD | $278 | $382 | $442 | $26 | $132 | $1,260 | $105 |
| Explorer Sport Trac Limited 4WD | $314 | $464 | $442 | $26 | $132 | $1,378 | $115 |
| Explorer Sport Trac Limited AWD | $314 | $464 | $442 | $26 | $132 | $1,378 | $115 |
| Get Your Own Customized Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Rate information does not factor in specific location which can modify coverage rates considerably.
Auto insurance rates by age and gender
The diagram below visualizes the comparison of Ford Explorer Sport Trac insurance costs for male and female drivers. The rates are based on no claims, a clean driving record, comprehensive and collision coverage, $500 deductibles, drivers are single, and no discounts are applied to the premium.
Should you buy full coverage?
The illustration below illustrates the comparison of Ford Explorer Sport Trac car insurance costs with full physical damage coverage compared to only buying liability only. Data assumes no tickets, no at-fault accidents, $100 deductibles, drivers are not married, and no discounts are taken into consideration.
Are you wasting money on full coverage?
There isn’t a steadfast formula of when to exclude full coverage, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.
For example, let’s assume your Ford Explorer Sport Trac settlement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would receive is $4,000 after paying the physical damage deductible. If it’s costing you more than $400 a year for comprehensive and collision coverage, then it might be time to consider dropping full coverage.
There are a few cases where buying only liability insurance is not advised. If you still have a lienholder on your title, you must maintain physical damage coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle in case of an accident, you should keep full coverage on your policy.
You may need advice from an insurance agency
A small number of people would prefer to have an agent’s advice and that is not a bad decision Most agents can make sure you are properly covered and give you someone to call. A good thing about getting online price quotes is that you can find cheaper premium rates but still work with a licensed agent.
By using this simple form, the quote information is sent to insurance agents in Los Angeles that can provide free Los Angeles car insurance quotes to get your business. It simplifies rate comparisons since you won’t have to even leave your home as quotes are delivered directly to your email. If you have a need to get a price quote for a specific company, just search and find their rate quote page and submit a quote form there.
Picking the best provider needs to be determined by more than just a cheap price. Below are some questions you should ask.
- Does the company allow you to choose your own collision repair facility?
- What kind of financial rating does the company have?
- Do they see any coverage gaps in your plan?
- Does the agency have a good rating with the Better Business Bureau?
- Can they help ensure a fair claim settlement?
- Are there any extra charges for paying monthly?
- Is the agency involved in supporting local community causes?
- When do they do a full risk review?
If you’re trying to find a good insurance agency, you should know the different types of agencies and how they function. Los Angeles agents can be categorized as either exclusive or independent agents depending on their company appointments. Either type can sell and service insurance coverage, but it is a good idea to know the differences because it may have an impact on which agent you choose.
Exclusive Insurance Agents
Exclusive insurance agents work for only one company and some examples include AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agents are unable to provide prices from multiple companies so it’s a take it or leave it situation. Exclusive agencies receive extensive training in insurance sales which can be an advantage. A lot of people buy from the same agent for years partially due to the prominence of the brand rather than having the cheapest rates.
Below is a short list of exclusive insurance agents in Los Angeles that are able to give comparison quotes.
- Allstate Insurance: Carmina San Jose
628 N Vermont Ave Ste 12 – Los Angeles, CA 90004 – (213) 383-5120 – View Map - Glenda Greene – State Farm Insurance Agent
3824 Crenshaw Blvd – Los Angeles, CA 90008 – (323) 293-9990 – View Map - Sean Cheng State Farm Insurance Agency
767 N Hill St,109 – Los Angeles, CA 90012 – (213) 621-2526 – View Map
Independent Agents (or Brokers)
Agents that choose to be independent are not limited to a single company and that gives them the ability to insure with a variety of different insurance companies and help determine which has the cheapest rates. If your agent finds better pricing, the business is moved internally and the insured can keep the same agent.
If you are trying to find cheaper rates, we recommend you get several quotes from independent agents for the best price selection. Most can insure with different regional companies that may have much lower rates than larger companies.
Shown below are independent agents in Los Angeles willing to provide price quotes.
- Susman Insurance Agency
11611 San Vicente Blvd #515 – Los Angeles, CA 90049 – (310) 820-5200 – View Map - Ken Donaldson Insurance Agency
6108 Venice Blvd – Los Angeles, CA 90034 – (310) 451-4943 – View Map - JSB Insurance Services, Inc.
1801 S La Cienega Blvd Ste 201 – Los Angeles, CA 90035 – (310) 402-0020 – View Map