Cheap Insurance Quotes for a Ford Explorer in Vermont

Whether or not you can find the cheapest coverage for a Ford Explorer in Vermont hinges on a lot of factors like if you are married or single, your profession, and if you have a history of accidents. Drivers pay on average $590 annually for Explorer insurance, but that rate is an estimation rating a 50-year-old single male driver that includes full coverage including both comprehensive and collision and $1,000 policy deductibles.

There is a high likelihood that you are not a 50-year-old male, possibly married instead of single, or you have a violation or two on your driving record. Have just a small change in rating criteria could end up with a large change in the amount insurance costs for a Ford Explorer.

Every driver has a different risk profile, so the most reliable method for finding the cheapest insurance price for your Ford is to get into the habit of shopping around regularly. In less than five minutes you will receive prices from the best companies that insure Ford vehicles in Vermont.

Find Cheaper Ford Explorer Insurance

Your vehicle’s trim level tends to have a direct effect on the coverage cost, so the price you pay to insure a Explorer XLT 2WD trim level will be $48 lower than the price to insure the high end Explorer Limited AWD trim level, as shown in the prices below.

Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Vermont minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Premium amounts do not factor in the specific area where the vehicle is garaged which can modify price quotes noticeably.

Trying to find cost effective insurance is not most people’s favorite thing to do, and figuring out which company has the lowest-priced auto insurance rates for a Ford Explorer will take additional perseverance. Every auto insurer uses a different method to determine premium rates, so let’s take a look at the lowest cost auto insurance companies in Vermont.

We do need to point out that Vermont auto insurance rates are determined by lots of factors which can substantially decrease or increase the price you pay. Getting older, moving to a new city, or getting a reckless driving citation may cause policy rate changes that may make certain companies more expensive than before.

Best Insurance Companies for Your Explorer

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Safeco quotes some of the lowest car insurance rates in Vermont at around $463 each year. California Casualty, USAA, The Hartford, and Travelers also rank well as some of the lowest-priced Vermont car insurance companies.

In the above rates, if you currently buy coverage from The Hartford and switched to Safeco, you could realize annual savings of upwards of $176. Insureds with Travelers might save as much as $245 a year, and Unitrin customers might cut rates by $275 a year.

To see if you’re overpaying, click here to get a free quote or feel free to get quotes from the companies below.

Remember that these policy prices are averages across all ages of drivers and types of vehicles and are not factoring in a specific rating modification for a Ford Explorer. So the car insurance company that fits you best may not even be included in the above rate chart. That emphasizes why you need to compare rates from multiple companies using your own personal information and vehicle type.

Violations and accidents raise rates

A great way to score affordable auto insurance rates in Vermont for an Explorer is to drive attentively and avoid accidents and keep your driving record clean. The illustration below shows how traffic citations and at-fault claims can impact insurance costs for each age group. The data is based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 1377,1539,2993],[‘Age 30’, 959,1119,2573],[‘Age 40’, 955,1111,2565],[‘Age 50’, 841,1001,2453],[‘Age 60’, 801,961,2415],[‘Age 70’, 859,1017,2475]]);var options = {title: ‘Impact of Tickets and Accidents on Vermont Ford Explorer Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Ford Explorer in Vermont’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data charted above shows the average cost of an auto insurance policy in Vermont per year with no accidents or violations is $965. Factor in one speeding ticket and the average cost surges to $1,125, an increase of $159 each year. Now add in two accidents along with the one speeding ticket and the 12-month cost of auto insurance for a Ford Explorer increases to an average of $2,579. That’s an increase of $1,614, or $134 per month, just for not keeping your driving record clean!

The illustration below demonstrates how deductibles can increase or decrease annual premium costs when researching cheap insurance for a Ford Explorer. The data is based on a single female driver, comp and collision included, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2301,2115,1909,1711],[‘Age 30’, 1609,1473,1313,1161],[‘Age 40’, 1487,1365,1223,1085],[‘Age 50’, 1305,1197,1069,951],[‘Age 60’, 1257,1153,1035,919],[‘Age 70’, 1459,1341,1209,1083]]);var options = {title: ‘Deductibles and Ford Explorer Insurance Rates in Vermont’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Ford Explorer’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

In the chart above, a 40-year-old driver could reduce rates by $236 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $354 by switching to a $1,000 deductible. Even younger insureds, like the age 20 example, can cut $590 every year just by choosing larger deductibles.

If you make the decision to raise deductibles, it is important to have enough savings to be able to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.