Buying economical car insurance for a Ford Explorer in California can be really easy, but it depends on a lot of different factors such as whether you are a homeower, if you have a tendency to file claims, and the level of deductible you choose. Drivers pay approximately $1,193 each year to insure their Explorer, but that figure is an approximation calculated based on a 30-year-old married male driver with full comprehensive and collision coverage and $500 deductibles.
When making auto insurance estimates, the issue arises that you may not be 30 years old (or even male), you might be single instead of married, or maybe you need higher liability limits than the state minimum. Just a slight change in policy rating criteria or coverages can make a large difference in the coverage rate.
Everone’s needs are different, and this illustrates why the only way to find the cheapest coverage for your Ford is to do a thorough rate comparison. It takes less than five minutes and you can get rates from the cheapest companies around.
Your vehicle’s trim level tends to have a direct impact on the cost of insurance, so the price you pay to insure a Explorer XLT 2WD will be $118 cheaper than the cost to insure the higher-end Explorer Limited AWD version, as shown by the rates below.
| 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 |
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, multi-vehicle, and safe-driver. Price estimates do not factor in vehicle location which can raise or lower auto insurance rates considerably.
Which car insurance company is best in California?
Choosing the best auto insurance company can be rather challenging considering how many companies there are in Bakersfield. The company rank data below could help you select which coverage providers you want to consider comparing prices from. These ratings are only comprised of large insurance companies, so companies without a large exposure are not factored into this list.
Top 10 Major Auto Insurers in Bakersfield Ranked by Value
- USAA
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
- Nationwide
Top 10 Major Auto Insurers in Bakersfield Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
The illustration below shows how different deductible levels can change premium costs when quoting cheap insurance for a Ford Explorer. The information is based on a married male driver, full physical damage coverage, and no other discounts are factored in.
The chart above illustrates that a 40-year-old driver could save $322 a year by increasing from a $100 deductible to a $500 deductible, or save $488 by changing to a $1,000 deductible. Even younger insureds, like the 20-year-old example, could drop their prices as much as $1,062 every year just by choosing larger deductibles. When increasing deductibles, it’s a good idea to have enough funds in savings to offset the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
Compare quotes and save
Bakersfield car insurance rates are determined by lots of factors that control the policy premium. Getting older, adding a teenager to your policy, or having an at-fault accident may generate price changes that can make some companies more affordable than competitors. Not only may your risk profile change, but insurance companies modify pricing every year to adjust for gains or losses. Significantly higher claims can cause additional price hikes, while profitable underwriting can cause cheaper Explorer insurance rates.
To illustrate this example, the graph below shows which companies have the cheapest car insurance in Bakersfield, CA for a 45-year-old male driver with no prior claims, no tickets, and good financial standing. If we estimate prices based on his current situation, USAA may have the lowest car insurance rates in Bakersfield at $1,132 a year. This is $519 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are the remaining cheapest Bakersfield, CA auto insurance companies.
The chart below compares rates after we give the driver in the first example a claim, poor credit, and a traffic citation. Due to the fact that each insurance company uses their own formula for filing rates in each state, comparing insurance quotes may now present a different list of the cheapest car insurance companies in Bakersfield as shown below.
Grange now has the cheapest rate in Bakersfield, CA with Mercury, Progressive, GEICO, and Allied now rounding out the top five. This demonstrates why California drivers need to shop around with many companies to get the most affordable insurance quotes for a Ford Explorer.
Auto insurance prices can be determined by many factors and can increase or decrease at any time, so the cheapest option six months ago may now be quite expensive.
How to find economical auto insurance for a Ford Explorer
The list below details some penny-pinching suggestions that can help you get cheaper auto insurance.
- Buy a safer vehicle
- Raise deductibles
- Earn discounts for being claim-free
- Bundle home or renters insurance to earn a discount on car insurance
- Do not pay for full coverage if not needed
- Higher credit ratings may save you money
- Keep rates low by comparing prices once a year
The final tip is very valuable, as we emphasized in this write-up. Prices charged by car insurance companies change frequently, so don’t hesitate to buy a policy from a new company if you can find a cheaper rate. Loyalty to a specific company is fine, but it isn’t a good idea if that dedication is costing several hundred dollars every year. Take a few minutes and shop around to find cheaper auto insurance for a Ford Explorer in Bakersfield.
The insurance agencies listed below can help you determine which policy is best, since lots of drivers aren’t clear which coverage they need and would like to get some professional advice when comparing insurance rates for an Explorer. It can be complicated to find the cheapest rate yourself, and insurance agents can give peace of mind knowing you have enough protection.
To locate a Bakersfield car insurance agency close to where you live, click the button link following the list.
California Canyon Insurance Agency
B, 4900 California Ave #210 – Bakersfield, CA 93309 – (661) 377-2978
Mike Brazzell – State Farm Insurance Agent
3721 Columbus St – Bakersfield, CA 93306 – (661) 872-7770
Jim Windes – State Farm Insurance Agent
3512 Coffee Rd d – Bakersfield, CA 93308 – (661) 588-1001