Cheap Insurance for a Ford Explorer in Oregon

Your chances of finding affordable car insurance for a Ford Explorer in Oregon is contingent on a complex equation that considers factors like the safety rating for your Explorer, the insurance company you are currently insured with, and if your driving record is clean. Oregon drivers pay an average of $890 every 12 months to insure an Explorer, but that cost is that uses a 40-year-old single female that includes comprehensive and collision coverage and $1,000 deductibles.

It’s highly likely you are not a 40-year-old female, you might be married instead of single, and you need different coverage limits than the sample rates. Auto insurance is unique to every driver, so the best method for finding the most affordable coverage for your Ford is to compare rates from as many companies as possible. Comparing quotes is easy and you can get prices from some of the cheapest companies that insure vehicles in Oregon.

Compare Ford Explorer Insurance Rates

The trim level of your vehicle impacts the coverage cost, so the price you pay to insure a Explorer XLT 2WD trim level will be $72 less expensive the price to insure the more expensive Explorer Limited AWD model, as shown in the table below.

Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oregon minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Information does not factor in zip code location which can revise coverage rates substantially.

Oregon car insurance companies

Choosing a good quality company can be difficult considering how many different companies there are to choose from in Oregon. The company rank data shown next could help you decide which insurers to look at comparing rates with. These ratings are only made up of companies with a national presence, so companies that have a smaller presence will not be included in these rankings.

Top 10 Major Auto Insurance Companies in Oregon Ranked by Customer Satisfaction

1. USAA – 94%
2. AAA Insurance – 91%
3. Nationwide – 90%
4. State Farm – 90%
5. GEICO – 89%
6. The Hartford – 89%
7. The General – 88%
8. 21st Century – 88%
9. Allstate – 88%
10. Liberty Mutual – 88%

Top 10 Major Auto Insurance Companies in Oregon Ranked by Claims Service

1. State Farm
2. Esurance
3. AAA Insurance
4. Progressive
5. GEICO
6. Liberty Mutual
7. Allstate
8. The Hartford
9. The General
10. 21st Century

Top Companies for Ford Explorer Insurance in Oregon

Discounts on cheap insurance for a Ford Explorer in Oregon

<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/car-insurance-ford-explorer-or.jpg" alt="Cheaper Oregon car insurance for an Explorer” />Auto insurance companies that provide coverage for a Ford Explorer may additionally offer special discounts that could reduce prices by 40% or more if you are eligible for them. Popular car insurance companies and some of the discounts are:

• Farmers Insurance has savings for business and professional, bundle discounts, alternative fuel, mature driver, good student, and electronic funds transfer.
• State Farm may have discounts that include multiple autos, student away at school, defensive driving training, Steer Clear safe driver discount, and good driver.
• Liberty Mutual has discounts for exclusive group savings, new move discount, preferred payment discount, newly retired, good student, multi-policy, and new vehicle discount.
• MetLife offers premium reductions for defensive driver, accident-free, multi-policy, claim-free, good student, and good driver.
• Progressive offers discounts including homeowner, online quote discount, multi-vehicle, online signing, and good student.

The example below illustrates the difference between insurance rates with and without discounts applied to the premium. Data assumes a female driver, no claims or driving citations, Oregon state minimum liability limits, full coverage, and $100 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second shows the rates with vehicle safety, defensive driving course, homeowner, passive restraint, marriage, and anti-theft discounts applied. When taking advantage of discounts, the the amount saved on car insurance for a Ford Explorer is 28% or $579.

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Liability only or full coverage

Finding cheap insurance for a Ford Explorer in Oregon is the goal of the majority of people, and one good way to lower the cost of insurance is to not pay for full coverage. The example below shows the comparison of premium costs with liability coverage only compared to full coverage. The rates are based on no accidents or driving violations, $1,000 deductibles, drivers are single, and no discounts are factored in.

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As an overall average, comprehensive and collision coverage on your policy costs $1,612 per year more than just buying liability only. Many drivers may wonder if paying for full coverage is a waste of money. There is no set rule of when to stop paying for physical damage coverage, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is more than 10% of the replacement cost minus the deductible, then it may be the right time to buy liability only.

How to find cheap insurance for a Ford Explorer in Oregon

It’s not impossible to find cheaper rates, and here are some of the recommended money-saving suggestions that can help Oregon drivers locate low-cost coverage.

• Improve your credit score
• Raise physical damage deductibles
• Safe vehicles generally have lower rates
• Do not get traffic citations
• Do not get into accidents
• Compare quotes from other companies often

The last tip in the list is certainly vital, as we pointed out in this write-up. Prices charged by car insurance companies adjust frequently, so drivers shouldn’t hesitate to change insurance companies if a cheaper price is available.

Having brand loyalty is commendable, but we do not recommend it if your bullheadedness ends up costing you a lot of money. Now is a great time to compare rates to find cheaper auto insurance for a Ford Explorer.

Best rates: Allstate, Progressive, State Farm, or Geico

If you’re looking for the best auto insurance, four companies you’ll want quotes from are Allstate, Progressive, State Farm, and Geico. The next table compares and contrasts ratings for price, service, and claims, in additional to some of the optional coverages offered by each one.