Affordable Quotes for Ford Explorer Insurance in Virginia Beach

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A recent study showed that nearly 70% of consumers have stayed with the same insurance company for a minimum of four years, and just short of a majority have never compared rate quotes at all. Virginia Beach drivers could save approximately 45% every year, but they don't know the big savings they would realize if they just switched companies.

Insurance quote for Ford Explorer in Virginia BeachTruthfully, the best way to get low-cost Ford Explorer insurance is to compare prices regularly from insurance carriers who can sell car insurance in Virginia Beach. This can be done by following these steps.

  1. Spend a few minutes and learn about the coverage provided by your policy and the changes you can make to drop your rates. Many policy risk factors that cause rate increases such as accidents, traffic tickets, and a substandard credit history can be amended by making lifestyle changes or driving safer.
  2. Request rate estimates from direct, independent, and exclusive agents. Exclusive and direct companies can only give rate quotes from one company like Progressive or Allstate, while independent agents can provide prices for many different companies.
  3. Compare the price quotes to your existing coverage and determine if cheaper Explorer coverage is available in Virginia Beach. If you can save money and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.
  4. Notify your company or agent of your decision to cancel the current policy. Submit the application along with any required down payment to your new agent or company. Once received, place your new proof of insurance certificate above your visor, in the console, or in the glove compartment.

A good tip to remember is that you'll want to make sure you compare similar deductibles and liability limits on every quote and and to get price quotes from all possible companies. This helps ensure the most accurate price comparison and a thorough price selection.

Locating the most cost-effective car insurance policy in Virginia Beach is much easier if you have a good place to start. If you currently have car insurance, you will definitely be able to cut your premiums using these tips. Smart shoppers just have to use the proper way to get comparison quotes using one simple form.

The most recommended method to compare car insurance rates for Ford Explorer insurance in Virginia Beach utilizes the fact auto insurance companies pay for the opportunity to provide you with a free rate quote. To begin a comparison, all you need to do is give them some information like the year, make and model of vehicles, the ages of drivers, if the car is leased, and your general credit rating. Your insurance information is submitted instantly to insurance companies and they return quotes almost instantly.

To start a rate quote now, click here and enter the information requested.

The companies shown below have been selected to offer price comparisons in Virginia. In order to find the best cheap auto insurance in Virginia, it's highly recommended you compare several of them to get a more complete price comparison.

Get cheaper Ford Explorer insurance in Virginia Beach with discounts

Some providers don't always advertise every available discount in an easy-to-find place, so we researched some of the more common as well as some of the hidden credits available to you.Car insurance discounts

  • Passive Restraints - Options like air bags or automatic seat belts can get savings of 25 to 30%.
  • Bundle and Save - If you can bundle your auto and home insurance with one insurance company you may earn at least 10 to 15 percent or more.
  • Discount for Home Ownership - Just being a homeowner can save you money because maintaining a house demonstrates responsibility.
  • Full Payment Discount - If you pay your entire premium ahead of time rather than paying monthly you can avoid monthly service charges.
  • Discounts for Safe Drivers - Accident-free drivers may receive a discount up to 45% than their less cautious counterparts.
  • Waiver for an Accident - Not really a discount, but certain companies will forgive one accident before your rates go up if your claims history is clear for a particular time prior to the accident.
  • Driver's Education for Students - Have your child complete a driver education course if it's offered in school.
  • College Student Discount - Youth drivers who are enrolled in a college that is more than 100 miles from Virginia Beach and won't have access to an insured vehicle can be insured at a reduced rate.

Consumers should know that most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So even though they make it sound like adding up those discounts means a free policy, that's just not realistic.

The diagram below illustrates the difference between Ford Explorer auto insurance costs with and without discounts. The prices are based on a male driver, no claims or violations, Virginia state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, multi-policy, safe-driver, multi-car, and claim-free discounts applied.

A few of the larger companies and some of the discounts include:

  • State Farm may offer discounts for good driver, anti-theft, Drive Safe & Save, multiple policy, driver's education, and accident-free.
  • Liberty Mutual offers premium reductions for newly married, safety features, multi-car, newly retired, preferred payment discount, and exclusive group savings.
  • American Family includes discounts for bundled insurance, good student, multi-vehicle, early bird, air bags, accident-free, and defensive driver.
  • Progressive has discounts for homeowner, good student, continuous coverage, multi-vehicle, online signing, and multi-policy.
  • Farmers Insurance offers discounts including teen driver, good student, homeowner, business and professional, alternative fuel, bundle discounts, and mature driver.
  • Auto-Owners Insurance may include discounts for multiple vehicles, paid in full, multi-policy, good student, safe driver, mature driver, and company car.
  • SAFECO policyholders can earn discounts including anti-theft, homeowner, accident prevention training, safe driver, and teen safety rewards.

Before purchasing a policy, check with each company or agent to give you their best rates. Some of the earlier mentioned discounts may not be available in every state. To see providers that have a full spectrum of discounts in Virginia, click this link.

Rates and data analysis

The price information below outlines estimates of coverage costs for Ford Explorer models. Learning a little about how premiums are calculated can assist in making smart choices when buying a policy.

Ford Explorer Insurance Rates in Virginia Beach, VA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $190 $322 $270 $16 $80 $878 $73
Explorer Eddie Bauer 2WD $190 $322 $270 $16 $80 $878 $73
Explorer XLT 4WD $190 $322 $270 $16 $80 $878 $73
Explorer XLT AWD $190 $322 $270 $16 $80 $878 $73
Explorer Eddie Bauer 4WD $214 $392 $270 $16 $80 $972 $81
Explorer Eddie Bauer AWD $214 $392 $270 $16 $80 $972 $81
Explorer Limited 2WD $214 $392 $270 $16 $80 $972 $81
Explorer Limited 4WD $214 $392 $270 $16 $80 $972 $81
Explorer Limited AWD $214 $392 $270 $16 $80 $972 $81
Get Your Own Custom Quote Go

Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Virginia minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Premium amounts do not factor in the specific area where the vehicle is garaged which can affect auto insurance rates greatly.

Where to set your deductibles

One common question asked by Virginia Beach drivers is how high should the deductibles for physical damage be. The tables below may help to conceptualize how much more you'll pay when you buy lower versus higher policy deductibles. The first set of rates uses a $250 physical damage deductible and the second rate table uses a $1,000 deductible.

Ford Explorer insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $198 $276 $258 $16 $78 $851 $71
Explorer Eddie Bauer 2WD $198 $276 $258 $16 $78 $851 $71
Explorer XLT 4WD $198 $276 $258 $16 $78 $851 $71
Explorer XLT AWD $198 $276 $258 $16 $78 $851 $71
Explorer Eddie Bauer 4WD $224 $336 $258 $16 $78 $937 $78
Explorer Eddie Bauer AWD $224 $336 $258 $16 $78 $937 $78
Explorer Limited 2WD $224 $336 $258 $16 $78 $937 $78
Explorer Limited 4WD $224 $336 $258 $16 $78 $937 $78
Explorer Limited AWD $224 $336 $258 $16 $78 $937 $78
Get Your Own Custom Quote Go
Ford Explorer insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $122 $174 $258 $16 $78 $648 $54
Explorer Eddie Bauer 2WD $122 $174 $258 $16 $78 $648 $54
Explorer XLT 4WD $122 $174 $258 $16 $78 $648 $54
Explorer XLT AWD $122 $174 $258 $16 $78 $648 $54
Explorer Eddie Bauer 4WD $138 $210 $258 $16 $78 $700 $58
Explorer Eddie Bauer AWD $138 $210 $258 $16 $78 $700 $58
Explorer Limited 2WD $138 $210 $258 $16 $78 $700 $58
Explorer Limited 4WD $138 $210 $258 $16 $78 $700 $58
Explorer Limited AWD $138 $210 $258 $16 $78 $700 $58
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Prices do not factor in specific zip code location which can affect coverage rates noticeably.

Based on this data, we can arrive at the conclusion that using a $250 deductible would cost the average driver about $19 more each month or $228 for a full year than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average more than 39 months between claim filings, you would probably be better off if you choose a higher deductible.

Ford Explorer insurance premiums by gender and age

The example below visualizes the comparison of Ford Explorer auto insurance rates for male and female drivers. The costs are based on no claims or violations, full physical damage coverage, $100 deductibles, drivers are not married, and no discounts are applied to the premium.

Full coverage versus liability-only in Virginia Beach

The information below visualizes the comparison of Ford Explorer premium costs with full physical damage coverage and with liability coverage only. The costs are based on no claims or driving violations, $1,000 deductibles, single status, and no policy discounts are applied.

When to drop comprehensive and collision coverage

There is no exact rule to delete physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than about 10% of any settlement you would receive from your insurance company, then it could be time to drop full coverage.

For example, let's say your Ford Explorer book value is $6,000 and you have $1,000 deductibles. If your vehicle is totaled, you would only receive $5,000 after paying your policy deductible. If you are paying more than $500 annually for your policy with full coverage, then you may need to consider dropping full coverage.

There are some conditions where only buying liability is not a good idea. If you still owe money on your vehicle, you have to maintain full coverage as part of the loan requirements. Also, if you don't have enough money to buy a different vehicle if your current one is damaged, you should not drop full coverage.