Discount Ford Explorer insuranceHow long has it been since the last time you looked for cheaper Ford Explorer insurance in Aurora? Trying to find better insurance prices for a new or used Ford Explorer in Colorado can be difficult, but you can learn the following methods to save time. There are both good and bad ways to find car insurance online and you need to know the proper way to get price quotes on a Ford and locate the lowest price either online or from Aurora insurance agents.

If you're already insured or just want to save money, follow these tips to lower your rates without having to cut coverage. Getting quotes for the cheapest protection in Aurora is not that difficult. Smart buyers only need to know the least time-consuming way to compare prices from many different companies online.

Affordable rates with discounts

Some companies don't always publicize the complete list of policy discounts in an easy-to-find place, so the list below gives a summary of a few of the more common and also the more inconspicuous discounts you could be receiving when you buy Aurora car insurance online. If they aren't giving you every credit you qualify for, you could be saving more on your car insurance.

Remember that many deductions do not apply to the entire policy premium. Some only apply to individual premiums such as liability, collision or medical payments. So even though it sounds like adding up those discounts means a free policy, it's just not the way it works.

To view companies that provide some of the discounts listed above in Aurora, follow this link.

The quickest method we recommend to compare car insurance company rates for Ford Explorer insurance in Aurora is to understand most insurance companies have advanced systems to give rate comparisons. The only thing you need to do is provide information like whether or not you need a SR-22, if it has an anti-theft system, if you have an active license, and how many miles driven. That information gets transmitted to all major companies and you receive quotes with very little delay.

To compare rates for your Ford Explorer now, click here and find out if you can get cheaper insurance in Aurora.

The providers in the list below are our best choices to provide comparison quotes in Aurora, CO. If multiple companies are listed, we recommend you click on several of them in order to get a fair rate comparison.

Ford Explorer Insurance Rates in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $234 $368 $368 $22 $110 $1,102 $92
Explorer Eddie Bauer 2WD $264 $368 $358 $22 $108 $1,120 $93
Explorer XLT 4WD $214 $298 $358 $22 $108 $1,000 $83
Explorer XLT AWD $296 $516 $426 $26 $128 $1,392 $116
Explorer Eddie Bauer 4WD $330 $536 $358 $22 $108 $1,354 $113
Explorer Eddie Bauer AWD $266 $464 $338 $20 $100 $1,188 $99
Explorer Limited 2WD $216 $288 $460 $28 $138 $1,130 $94
Explorer Limited 4WD $214 $362 $396 $24 $118 $1,114 $93
Explorer Limited AWD $378 $672 $474 $28 $142 $1,694 $141
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Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Rate information does not factor in your specific Aurora location which can decrease or increase coverage rates greatly.

Policy deductibles

The hardest decision when buying coverage is what deductibles to buy. The following insurance rates lay out the rate difference when you select higher and lower deductibles. The first set of prices uses a $100 comprehensive and collision deductible and the second rate table uses a $500 deductible.

Ford Explorer insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $302 $448 $352 $20 $106 $1,253 $104
Explorer Eddie Bauer 2WD $302 $448 $352 $20 $106 $1,253 $104
Explorer XLT 4WD $302 $448 $352 $20 $106 $1,253 $104
Explorer XLT AWD $302 $448 $352 $20 $106 $1,253 $104
Explorer Eddie Bauer 4WD $342 $546 $352 $20 $106 $1,391 $116
Explorer Eddie Bauer AWD $342 $546 $352 $20 $106 $1,391 $116
Explorer Limited 2WD $342 $546 $352 $20 $106 $1,391 $116
Explorer Limited 4WD $342 $546 $352 $20 $106 $1,391 $116
Explorer Limited AWD $342 $546 $352 $20 $106 $1,391 $116
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Ford Explorer insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $220 $304 $352 $20 $106 $1,002 $84
Explorer Eddie Bauer 2WD $220 $304 $352 $20 $106 $1,002 $84
Explorer XLT 4WD $220 $304 $352 $20 $106 $1,002 $84
Explorer XLT AWD $220 $304 $352 $20 $106 $1,002 $84
Explorer Eddie Bauer 4WD $250 $368 $352 $20 $106 $1,096 $91
Explorer Eddie Bauer AWD $250 $368 $352 $20 $106 $1,096 $91
Explorer Limited 2WD $250 $368 $352 $20 $106 $1,096 $91
Explorer Limited 4WD $250 $368 $352 $20 $106 $1,096 $91
Explorer Limited AWD $250 $368 $352 $20 $106 $1,096 $91
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Premium costs do not factor in Aurora location which can increase or decrease price quotes substantially.

Based on the above data, using a $100 deductible will cost you approximately $23 more each month or $276 annually than selecting the higher $500 deductible. Since the policyholder would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you normally go more than 17 months between claims, you would most likely save money by going with a higher deductible. Here is an example of how this calculation is made.

Average monthly premium for $100 deductibles: $111
Average monthly premium for $500 deductibles (subtract): - $88
Monthly savings from raising deductible: $23
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $23
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

An important thing to remember is that increasing deductibles to save money means you will have to cover more of the damage yourself when you file a claim. You need to make sure you have some money saved in order to pay the deductible.

Learn How to Lower Your Insurance Costs

It's important that you understand the different types of things that help determine the level of your policy premiums. If you have a feel for what determines premiums, this empowers consumers to make smart changes that may reward you with big savings. Lots of factors are considered when you quote your car insurance policy. A few of the factors are predictable like your driving record, but other criteria are not quite as obvious like where you live or your commute time.

The list below includes some of the things utilized by car insurance companies to help set premiums.

Allowing your coverage to lapse raises prices - Not having insurance can get your license suspended and companies may charge more for letting your insurance lapse. Not only will you pay higher rates, failure to provide proof of insurance can result in a steep fine or even jail time.

Single drivers take more risk - Being married helps lower the price when shopping for auto insurance. Having a spouse is viewed as being more mature and insurance companies like that married couples file fewer claims.

Pay more for higher performance vehicles - The performance level of the car you need to insure makes a huge difference in your auto insurance rates. Since the Ford Explorer is a standard SUV, insuring your vehicle will cost slightly more as compared to the average rate in Aurora. Low performance passenger cars generally have the cheapest insurance rates, but other factors influence the final cost greatly.

Cheaper auto insurance rates for being claim-free - Companies in Colorado award the best rates to people who are not frequent claim filers. If you file claims often, you can pretty much guarantee higher rates. Insurance coverage is intended to be relied upon for major claims that would cause financial hardship.

Proper usage rating affects costs - The higher the mileage driven annually the higher the price you pay to insure it. Most insurance companies charge rates based upon how the vehicle is primarily used. Cars and trucks that sit idle most of the time can be on a lower rate level than vehicles that are driven to work every day. It's a good idea to make sure your auto insurance declarations sheet is showing the correct usage, because it can save money. Improper usage on your Explorer is just wasting money.

Lower rates with a multi-policy discount - Most insurers give better rates to buyers who carry more than one policy such as combining an auto and homeowners policy. Even with this discount applied, consumers should still shop around to make sure you are getting the best deal.

Occupation stress can affect premiums - Jobs like real estate brokers, social workers and stock brokers generally have higher premium rates attributed to intense work-related stress and lengthy work days. On the other hand, jobs such as professors, athletes and homemakers have the lowest average rates.

Liability protection limits on your policy - A critical coverage on your policy, liability insurance is the coverage that protects you if ever you are determined to be liable for damages from an accident. Liability insurance provides legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.

Claims statistics for a Ford Explorer - Insurers analyze historical claim data to calculate a price that will offset losses. Models that tend to have higher number or severity of losses will have higher premium rates.

The table below demonstrates the insurance loss data for Ford Explorer vehicles. For each coverage category, the statistical loss for all vehicles averaged together equals 100. Values that are 100 or less suggest a positive loss record, while values over 100 show a trend for more claims or a tendancy for claims to be larger.

Ford Explorer Insurance Loss Statistics

Specific Ford Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Ford Explorer 4dr 2WD 80 90 79 75 70 82
Ford Explorer 4dr 4WD 94 94 97 75 70 85
BETTER
AVERAGE
WORSE

Statistics from IIHS.org for 2013-2015 Model Years

When to get advice from an insurance agent

Some people just prefer to talk to a local agent and that is a smart decision Professional agents can help you build your policy and help file insurance claims. An additional benefit of comparing auto insurance online is that you can find cheap auto insurance rates and still buy from a local agent.

Find insurance agent in AuroraBy using this short form, your insurance data is submitted to participating agents in Aurora who will gladly provide quotes for your business. You won't need to do any legwork due to the fact that quote results will go instantly to you. If you need to compare prices for a specific company, don't hesitate to go to their quote page to submit a rate quote request.

Choosing a company should include more criteria than just the premium amount. These are some questions you should get answers to.

Compare rates from both independent and exclusive auto insurance agents

If you need to find a local agent, you should know the types of insurance agents and how they function. Aurora agents may be either independent agents or exclusive agents. Either type can write policy coverage, but it's important to point out how they are different since it can affect which agent you choose.

Exclusive Agencies

Exclusive agencies have only one company to place business with such as Farmers Insurance, State Farm, or Allstate. These agents are not able to shop your coverage around so you need to shop around if the rates are high. Exclusive insurance agents are well schooled on their products and sales techniques and that can be a competitive advantage. Drivers often purchase coverage from exclusives mostly because of the prominent brand name rather than having the cheapest rates.

Below are Aurora exclusive insurance agents that are able to give price quote information.

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Independent Auto Insurance Agents

Independent agents are not limited to a single company so they can write business with an assortment of companies enabling the ability to shop coverage around. If your agent finds better pricing, they simply move the coverage in-house and that require little work on your part.

When comparing auto insurance prices, you absolutely need to get rate quotes from multiple independent agents in order to have the best price comparison. They also have the ability to place coverage with less well-known companies which can save you money.

The following is a list of independent insurance agencies in Aurora willing to provide price quotes.

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Three reasons to not skimp on car insurance

Even though it's not necessarily cheap to insure a Ford in Aurora, insurance is a good idea for several reasons.

The benefits of insuring your Explorer outweigh the cost, particularly when you have a large claim. But the average American driver overpays more than $700 annually so compare rates at least once a year to ensure rates are inline.

Cheaper car insurance premiums are possible

When getting Aurora car insurance quotes online, do not buy less coverage just to save a little money. There are many occasions where someone dropped physical damage coverage only to regret that it was a big mistake. Your objective should be to find the BEST coverage at the lowest possible cost.

Drivers who switch companies do it for a number of reasons such as not issuing a premium refund, poor customer service, policy cancellation and denial of a claim. Regardless of your reason for switching companies, finding a new company can be easy and end up saving you some money.

Budget-friendly car insurance in Aurora can be sourced both online and from local insurance agents, so you need to quote Aurora car insurance with both to have the best chance of lowering rates. Some insurance providers do not provide price quotes online and usually these regional carriers only sell coverage through independent agents.

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