How long has it been since you compared more affordable car insurance rates in Raleigh, NC? Raleigh drivers have options when trying to find the lowest priced Ford Explorer insurance. They can either spend hours calling around trying to get quotes or leverage the internet to get rate quotes.
There is a better way to find car insurance online and you need to know the proper way to price shop coverage for a Ford and get the lowest price from Raleigh insurance agents and online providers.
Our objective in writing this article is to instruct you on how auto insurance companies operate and also save some money in the process If you currently have auto insurance, you stand a good chance to be able to get lower rates using the concepts you're about to learn. Comparison shoppers just need to use the proper way to compare prices online.
Cheap companies for Ford Explorer insurance in North Carolina
The companies shown below are our best choices to provide free quotes in Raleigh, NC. If several companies are displayed, it's highly recommended you visit several of them in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Explorer XLT 2WD||$186||$262||$254||$16||$76||$794||$66|
|Explorer Eddie Bauer 2WD||$166||$262||$282||$16||$84||$810||$68|
|Explorer XLT 4WD||$92||$142||$240||$14||$72||$560||$47|
|Explorer XLT AWD||$122||$182||$240||$14||$72||$630||$53|
|Explorer Eddie Bauer 4WD||$116||$200||$282||$16||$84||$698||$58|
|Explorer Eddie Bauer AWD||$212||$372||$302||$18||$90||$994||$83|
|Explorer Limited 2WD||$196||$322||$336||$20||$100||$974||$81|
|Explorer Limited 4WD||$276||$386||$326||$20||$98||$1,106||$92|
|Explorer Limited AWD||$132||$234||$302||$18||$90||$776||$65|
|Get Your Own Custom Quote Go|
Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Rates do not factor in specific zip code location which can increase or decrease auto insurance rates noticeably.
Irresponsible driving raises your rates
The chart below illustrates how traffic citations and at-fault collisions can increase Ford Explorer auto insurance rates for different age categories. The rates are based on a single male driver, comp and collision included, $1,000 deductibles, and no discounts are applied.
These six discounts can reduce Ford Explorer insurance rates
Auto insurance is not inexpensive, but companies offer discounts that can help lower your rates. Certain reductions will be credited when you purchase, but some need to be manually applied in order for you to get them.
- Smart Student Discounts - Getting good grades may save you up to 25%. You can use this discount normally until age 25.
- College Student - Children living away from Raleigh attending college and don't have a car can be insured at a reduced rate.
- Paperless Signup - A few auto insurance companies may give you up to $50 simply for signing digitally online.
- Telematics Data Discounts - Drivers that enable driving data collection to look at driving patterns by installing a telematics device such as Progressive's Snapshot could possibly reduce rates if they exhibit good driving behavior.
- Discounts for Safe Drivers - Drivers who don't get into accidents could pay up to 40% less compared to rates paid by drivers with frequent claims.
- Senior Citizen Discount - Drivers over the age of 55 could receive a small discount on rates.
Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the entire cost. Most cut specific coverage prices like comp or med pay. If you do the math and it seems like it's possible to get free car insurance, you aren't that lucky.
To locate insurers with the best Ford Explorer insurance discounts in Raleigh in North Carolina, click this link.
Are insurance agents of importance?
Many drivers would prefer to get advice from a local agent and that is just fine! Licensed agents are trained to spot inefficiencies and will help you if you have claims. One of the best bonuses of comparing auto insurance online is that you can find the lowest rates and still choose a local agent. Putting coverage with local agencies is still important in Raleigh.
To make it easy to find an agent, after completing this short form, your insurance data is sent to local insurance agents that provide free Raleigh auto insurance quotes to get your business. You don't have to drive around since price quotes are sent to your email. If for some reason you want to quote rates from one company in particular, don't hesitate to jump over to their website and give them your coverage information.
Independent or Exclusive: It's your choice
If you want a local insurance agency, it's important to understand the types of insurance agents and how they can service your needs differently. Agents are categorized either independent agents or exclusive agents depending on their employer. Either type can handle auto insurance, but it's worth mentioning how they differ since it could factor into the type of agent you choose.
Independent Agencies or Brokers
Agents that choose to be independent can sell policies from many different companies and that allows them to write policies with many different companies and get the cheapest rates. If your premiums go up, your agent can just switch to a different company and you stay with the same agent. If you are comparing auto insurance prices, we recommend you include price quotes from independent agents to have the most options to choose from. Many write coverage with smaller mutual companies which can save you money.
The following is a partial list of independent agencies in Raleigh who may provide pricing information.
- ACF Insurance Services, Inc.
4634 Capital Blvd - Raleigh, NC 27604 - (919) 878-7786 - View Map
- Young Insurance Associates, Inc
2609 Atlantic Ave #107 - Raleigh, NC 27604 - (919) 322-4186 - View Map
- Carolina Capital Insurance Group
1100 Logger Ct., Bldg. D-101 - Raleigh, NC 27609 - (919) 747-9002 - View Map
These agents can only place business with one company and some examples include Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot give you multiple price quotes so always compare other rates. Exclusive agents are very knowledgeable on their company's products which helps them sell on service rather than price. Many people use the same agent primarily because of the brand name and the convenience of having a single billing for all their coverages.
Below is a short list of exclusive agents in Raleigh who can help you get price quotes.
- Alex Burt - State Farm Insurance Agent
3021 Berks Way #102 - Raleigh, NC 27614 - (919) 435-1417 - View Map
- Allstate Insurance: Lauri W. Fair
9101 Leesville Rd Ste 111 - Raleigh, NC 27613 - (919) 846-3901 - View Map
- Cecil Burt - State Farm Insurance Agent
6837 Falls of Neuse Rd #104 - Raleigh, NC 27615 - (919) 846-8006 - View Map
Choosing the best auto insurance agent should depend on more than just the bottom line cost. Any agent in Raleigh should be forthright in answering these questions:
- How long has their agency been open in Raleigh?
- If your car is totalled, how to they determine the replacement cost?
- Is assistance available after office hours?
- Are they in the agency full-time?
- Is their price quote a firm figure or are their hidden costs?
Save $406 a year! What?
North Carolina drivers can't escape the ads for the lowest price insurance by companies like Progressive, Allstate and GEICO. They all seem to advertise claims that people will save if you just switch to them.
How do they all sell you cheaper insurance coverage? You have to listen carefully.
Insurance providers have specific guidelines for the type of driver that earns them a profit. For example, this type of insured could be married and over the age of 30, has no driving citations, and drives a vehicle with a low ISO rating. A customer that meets those criteria will get a cheap rate quote in Raleigh and will probably pay quite a bit less when switching companies.
Consumers who don't measure up to the ideal profile will be charged a more expensive rate and the prospect going elsewhere. The trick is to say "drivers that switch" not "everyone that quotes" save that much. That is how insurance companies can state the savings.
This really emphasizes why drivers must do a price quote comparison at every renewal. Because without a comparison, you cannot know which insurance companies will have better car insurance rates than you're paying now.
Your situation helps dictate your coverage
Always remember that when buying the right insurance coverage for your personal vehicles, there really isn't a one size fits all plan. Everyone's needs are different and your auto insurance should be unique as well. For example, these questions might point out whether your personal situation might need professional guidance.
- Do I need replacement cost coverage?
- Will filing a claim cost me more?
- If my car is totalled with they pay enough to replace it?
- Am I covered if I break a side mirror?
- Am I covered if I back into my garage door?
- Do they offer discounts for home and auto coverage?
- Why am I required to get a high-risk car insurance policy?
- What exactly is covered by my policy?
If you don't know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. If you don't have a local agent, complete this form or you can also visit this page to select a carrier It's fast, doesn't cost anything and you can get the answers you need.
Insurance coverage considerations
Knowing the specifics of insurance helps when choosing the best coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Listed below are the normal coverages found on the average insurance policy.
Comprehensive coverage (or Other than Collision)
This coverage pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims such as theft, hail damage, a broken windshield, a tree branch falling on your vehicle and damage from flooding. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.
Liability auto insurance
Liability coverage will cover damages or injuries you inflict on people or other property that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 30/60/25 which stand for a limit of $30,000 per injured person, $60,000 for the entire accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.
Liability coverage protects against claims such as emergency aid, attorney fees and structural damage. How much coverage you buy is a personal decision, but it's cheap coverage so purchase as large an amount as possible. North Carolina state law requires minimum liability limits of 30/60/25 but you should think about purchasing more liability than the minimum.
Collision coverage protection
This coverage pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.
Collision can pay for things like hitting a parking meter, crashing into a building and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible on your Explorer to get cheaper collision coverage.
Uninsured Motorist or Underinsured Motorist insurance
This provides protection when other motorists are uninsured or don't have enough coverage. Covered claims include medical payments for you and your occupants and also any damage incurred to your Ford Explorer.
Because many people have only the minimum liability required by law (30/60/25), it doesn't take a major accident to exceed their coverage limits. That's why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these coverages are similar to your liability insurance amounts.
Insurance for medical payments
Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like chiropractic care, pain medications, doctor visits and prosthetic devices. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible
More comparisons equals cheaper rates
Cost effective Ford Explorer insurance is attainable both online and with local Raleigh insurance agents, so you should be comparing quotes from both to have the best rate selection. Some companies don't offer the ability to get a quote online and most of the time these small insurance companies only sell coverage through independent agents.
We just covered a lot of ways to shop for Ford Explorer insurance online. It's most important to understand that the more companies you get car insurance rates for, the better chance you'll have of finding low cost Raleigh auto insurance quotes. Consumers could even find that the biggest savings come from some of the lesser-known companies. They may only write in your state and offer lower car insurance rates compared to the large companies like Allstate or State Farm.
More information can be read at these links:
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)
- What Car Insurance is Cheapest in Gastonia, North Carolina? (FAQ)
- Who Has Affordable Auto Insurance for Used Cars in North Carolina? (FAQ)
- Who Has Cheap North Carolina Auto Insurance Rates for Drivers Under 25? (FAQ)
- Who Has Affordable North Carolina Auto Insurance for Young Drivers? (FAQ)
- Who Has Cheap North Carolina Car Insurance Quotes for Good Students? (FAQ)
- What Car Insurance is Cheapest for Seniors in North Carolina? (FAQ)
- What Insurance is Cheapest for First-time Drivers in North Carolina? (FAQ)
- Determining Your Vehicle's Value and Repair Cost (Insurance Information Institute)
- Teen Driving Statistics (GEICO)