Scraping up a payment for overpriced Ford Explorer Sport Trac insurance in Bakersfield can take a big chunk out of your savings and possibly require postponing other expenditures. Comparison shopping can be a smart way to ensure you are getting the best deal.
It’s an obvious statement that car insurance companies want to keep you from comparing prices. Insureds who get comparison quotes at least once a year are highly likely to buy a different policy because they stand a good chance of finding a lower-priced policy. A recent survey revealed that people who compared rates once a year saved approximately $860 a year as compared to drivers who don’t regularly compare prices.
If saving money on auto insurance in Bakersfield is your target objective, then having a grasp of how to shop and compare cheaper coverage can make it easier for you to save money.
Steps to buying discount Ford Explorer Sport Trac insurance in Bakersfield
Truthfully, the best way to get discount auto insurance rates in Bakersfield is to annually compare prices from insurers that insure vehicles in California. You can compare prices by following these guidelines.
- Spend a few minutes and learn about the coverage provided by your policy and the factors you can control to prevent expensive coverage. Many rating criteria that result in higher rates such as at-fault accidents and a low credit score can be rectified by improving your driving habits or financial responsibility. Keep reading for more details to keep prices down and get bigger discounts that may have been overlooked.
- Compare rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from a single company like GEICO and Allstate, while independent agencies can provide price quotes from multiple sources.
- Compare the new quotes to the premium of your current policy to determine if switching companies saves money. If you can save money, make sure there is no lapse in coverage.
- Provide adequate notice to your current company of your intention to cancel your current car insurance policy. Submit a completed policy application and payment to the new company. As soon as you receive it, place your new certificate of insurance with your vehicle’s registration.
An important note is that you’ll want to make sure you compare the same coverage limits and deductibles on each quote request and and to look at as many companies as you can. This helps ensure an accurate price comparison and many rates to choose from.
Online insurance companies like GEICO, Progressive and Allstate all claim big savings with ad campaigns and it is challenging if not impossible to sift through the bull and find the best price available.
The quickest way to get policy rate comparisons for Ford Explorer Sport Trac insurance in Bakersfield is to understand auto insurance companies allow for online access to give free rates quotes. All consumers are required to do is give the companies some data like the year, make and model of vehicles, how much coverage you want, if you went to college, and distance driven. That rating data is instantly provided to multiple companies and you receive quotes instantly.
To compare cheap Ford Explorer Sport Trac insurance rates now, click here and enter the information requested.
The auto insurance companies shown below offer comparison quotes in California. If more than one company is shown, we suggest you visit as many as you can to get the best price comparison.
Data for Ford Explorer Sport Trac insurance
The data table shown below covers different insurance policy prices for Ford Explorer Sport Trac models. Being more informed about how insurance rates are calculated can help customers make decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Explorer Sport Trac XLT 2WD | $284 | $554 | $500 | $30 | $150 | $1,518 | $127 |
| Explorer Sport Trac Limited 2WD | $326 | $554 | $500 | $30 | $150 | $1,560 | $130 |
| Explorer Sport Trac XLT 4WD | $326 | $554 | $500 | $30 | $150 | $1,560 | $130 |
| Explorer Sport Trac Limited 4WD | $370 | $672 | $500 | $30 | $150 | $1,722 | $144 |
| Explorer Sport Trac Limited AWD | $370 | $672 | $500 | $30 | $150 | $1,722 | $144 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Price estimates do not factor in specific zip code location which can influence premiums greatly.
Raise deductibles and save
One frequently asked question is what deductibles to buy. The comparison tables below may help to illustrate the differences in premium rates when you choose different coverage deductibles. The first set of prices uses a $100 deductible and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Explorer Sport Trac XLT 2WD | $332 | $564 | $442 | $26 | $132 | $1,521 | $127 |
| Explorer Sport Trac Limited 2WD | $380 | $564 | $442 | $26 | $132 | $1,569 | $131 |
| Explorer Sport Trac XLT 4WD | $380 | $564 | $442 | $26 | $132 | $1,569 | $131 |
| Explorer Sport Trac Limited 4WD | $430 | $686 | $442 | $26 | $132 | $1,741 | $145 |
| Explorer Sport Trac Limited AWD | $430 | $686 | $442 | $26 | $132 | $1,741 | $145 |
| Get Your Own Custom Quote Go | |||||||
| 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 Custom Quote Go | |||||||
Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Table data does not factor in specific location information which can raise or lower coverage rates substantially.
Based on the figures above, using a $100 deductible will cost you about $28 more each month or $336 a year than requesting 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 have at a minimum 14 months between claim filings, you would probably be better off if you elect the higher deductible.
The example below shows how different deductible levels and can impact Ford Explorer Sport Trac insurance rates for different insured age categories. The data assumes a married male driver, comp and collision included, and no additional discounts are factored in.
Comparison of car insurance rates by gender
The example below shows the comparison of Ford Explorer Sport Trac car insurance rates for male and female drivers. The data is based on no claims or violations, full physical damage coverage, $250 deductibles, drivers are single, and no discounts are factored in.
Protect more than your Ford vehicle
Even though it can be expensive, insurance may be required and benefits you in several ways.
- Just about all states have mandatory liability insurance requirements which means you are required to buy specific limits of liability insurance coverage in order to get the vehicle licensed. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your Explorer Sport Trac has a loan, it’s guaranteed your bank will make it a condition of the loan that you have full coverage to ensure the loan is repaid in case of a total loss. If coverage lapses or is canceled, the lender will be forced to insure your Ford at a much higher premium rate and require you to reimburse them for the expensive policy.
- Insurance protects both your Ford and your assets. It will also reimburse you for all forms of medical expenses for yourself as well as anyone injured by you. One policy coverage, liability insurance, will also pay attorney fees if anyone sues you for causing an accident. If mother nature or an accident damages your car, comprehensive (other-than-collision) and collision coverage will pay to restore your vehicle to like-new condition.
The benefits of buying enough insurance more than offset the price you pay, especially if you ever need it. The average driver in America is overpaying more than $830 a year so smart consumers compare quotes every year to ensure rates are competitive.
What Impacts Ford Explorer Sport Trac Insurance Prices?
Lots of factors are part of the calculation when pricing auto insurance. A few of the factors are predictable such as your driving record, although some other factors are less apparent such as whether you are married or how safe your car is.
The list below includes a few of the things used by your company to calculate your rates.
- Cars with good safety ratings save money – Safe vehicles cost less to insure. The safest vehicles reduce injuries and lower rates of occupant injuries translates directly to fewer claims and lower rates for you.
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Mature drivers are lower risk – Older insureds have been proven to be more responsible, tend to cause fewer accidents, and usually have better credit. Beginning drivers have a tendency to be more careless in a vehicle and because of this, their car insurance rates are much higher.
The data below is based on a single driver, full coverage with $500 deductibles, and no discounts or violations.
- Increase coverage deductibles and save – Comprehensive and collision coverage deductibles define how much you are required to spend if a claim is determined to be covered. Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. A few examples of covered claims are a windshield broken by a bird, vandalism, or theft of your vehicle. The more expense the insured has to pay upfront, the less your company will charge you for insurance.
- Liability protection claims can be big – The liability section of your policy will protect you when a jury decides you are liable for damages caused by your negligence. Your liability coverage provides legal defense which can cost thousands of dollars. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not cut corners here.
Which auto insurance company is best in California?
Finding a high-quality insurance company can be a challenge considering how many choices you have in Bakersfield. The rank data below could help you choose which car insurance providers you want to consider comparing rate quotes with.
Top 10 Bakersfield Car Insurance Companies Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
Top 10 Bakersfield Car Insurance Companies Overall
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Affordable auto insurance is out there
While you’re price shopping online, never reduce coverage to reduce premium. There have been many cases where someone sacrificed collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your aim should be to buy the best coverage you can find at the best possible price, but do not skimp to save money.
You just learned many ideas to save on Ford Explorer Sport Trac insurance in Bakersfield. The most important thing to understand is the more providers you compare, the better your comparison will be. You may even discover the biggest savings come from a lesser-known regional company. Some small companies may cover specific market segments cheaper as compared to the big name companies such as Allstate or State Farm.
Steps to finding low-cost Ford Explorer Sport Trac insurance in Bakersfield
It takes a little time, but the best way to find affordable quotes for Ford Explorer Sport Trac insurance in Bakersfield is to start doing an annual price comparison from insurers in California. Rate comparisons can be done by completing these steps.
- First, read and learn about how companies set rates and the modifications you can make to keep rates in check. Many factors that cause high rates like speeding tickets, careless driving and a less-than-favorable credit history can be eliminated by making minor changes in your lifestyle.
- Second, request price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only give prices from a single company like GEICO and State Farm, while independent agents can provide rate quotes for many different companies.
- Third, compare the price quotes to the premium of your current policy to determine if you can save on Explorer Sport Trac insurance. If you find a lower rate and buy the policy, make sure there is no lapse in coverage.
The critical component of shopping around is that you’ll want to make sure you compare the same amount of coverage on each quote and and to get quotes from as many different companies as possible. Doing this enables a fair price comparison and the most accurate and complete price analysis.
To read more, link through to the resources below:
- What are my Rights when Filing a Claim? (Insurance Information Institute)
- Who Has Affordable Car Insurance Rates for 4×4 Vehicles in Bakersfield? (FAQ)
- What Auto Insurance is Cheapest for Drivers Over Age 50 in Bakersfield? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Uber Drivers in Bakersfield? (FAQ)
- What Car Insurance is Cheapest for Homeowners in Bakersfield? (FAQ)
- Who Has Affordable Bakersfield Auto Insurance Quotes After a Speeding Ticket? (FAQ)
- Who Has Affordable Car Insurance Rates for a Subaru Outback in Bakersfield? (FAQ)
- How Much is Bakersfield Auto Insurance for Infrequent Drivers? (FAQ)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Information for Teen Drivers (GEICO)
- Keeping Children Safe in Crashes Video (iihs.org)
- Rearview cameras reduce backing crashes (Insurance Institute for Highway Safety)