Best Insurance for a Ford Explorer in Charlotte

Do you want to save money by finding more competitive Ford Explorer insurance in Charlotte? Wish you could get out of an overpriced car insurance policy? It’s quite common and you’re not the only one.

Insurance quote for Ford Explorer in CharlotteEveryone knows that car insurance companies don’t want their customers to go rate shopping. Insureds who shop rates annually will most likely move their business because there is a good chance of finding a more affordable policy premium. A recent survey found that drivers who shopped around every year saved $850 each year compared to other drivers who never shopped around.

If finding the lowest rates on car insurance is the reason you’re here, then understanding how to find companies and compare cheaper coverage can help make the process easier and more efficient.

Steps to finding cheaper Ford Explorer insurance in Charlotte

The preferred way to find cheaper quotes for auto insurance rates is to do a yearly price comparison from providers who sell insurance in Charlotte.

Step 1: Read and learn about policy coverages and the measures you can control to keep rates low. Many risk factors that increase rates such as accidents, traffic violations, and a not-so-good credit history can be rectified by making small lifestyle or driving habit changes.

Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can provide rates from a single company like Progressive and State Farm, while independent agencies can give you price quotes for many different companies.

Step 3: Compare the new rate quotes to your existing coverage to see if a cheaper rate is available. If you find better rates, make sure there is no coverage gap between policies.

The most important part of shopping around is to use the same liability limits and deductibles on each price quote and and to get rates from as many companies as feasibly possible. This ensures an apples-to-apples comparison and a good representation of prices.

Numerous car insurance companies battle for your hard-earned dollar, so it’s not easy to compare every insurer to find the absolute lowest cost out there.

It is always a good idea to quote other rates before your policy renews because insurance prices are usually higher with each renewal. Just because you had the best deal on Ford Explorer insurance in Charlotte six months ago you can probably find a lower rate today. Ignore everything you know about car insurance because you’re going to learn the fastest way to save on car insurance.

How to get free Ford Explorer insurance quotes online

To find the best insurance prices, there are several ways of comparing rate quotes from local Charlotte insurance companies. The easiest way by far to find cheaper Ford Explorer rates is to jump online and get quotes.

Comparison shopping price quotes online is easy and it replaces the need to spend time driving to and from local insurance agencies. The ability to quote Ford Explorer insurance online eliminates the middleman unless you’re the type of person who wants the professional assistance that only an agent can give. Drivers can comparison shop online and have a local agent actually service the policy.

Keep in mind that comparing a wide range of rates will enable you to find better pricing.

The providers in the list below are our best choices to provide price comparisons in Charlotte, NC. If you wish to find the cheapest car insurance in Charlotte, we suggest you compare several of them to get a more complete price comparison.

Cheaper rates by taking advantage of discounts

Some companies do not advertise all their discounts in a way that’s easy to find, so the next list breaks down some of the more common as well as the least known discounts you could be receiving when you buy Charlotte car insurance online.Save money with discounts

You can save money using discounts, but most of the big mark downs will not be given to the whole policy. A few only apply to specific coverage prices like collision or personal injury protection. So even though you would think all the discounts add up to a free policy, you won’t be that lucky. Any amount of discount will help lower the amount you have to pay.

The illustration below shows the comparison of Ford Explorer insurance rates with and without discounts applied to the policy premium. The rate quotes are based on a male driver, no accidents, no driving violations, North Carolina state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, claim-free, marriage, safe-driver, and multi-car discounts applied.

Companies and the discounts they provide are detailed below.

When quoting, ask each company or agent which discounts you qualify for. Discounts might not apply in Charlotte. If you would like to see a list of providers with discount insurance rates in Charlotte, click here.

Facts and figures for Ford Explorer insurance

The premium information shown below outlines estimates of insurance rates for Ford Explorer models. Being able to understand how insurance rates are calculated can benefit drivers when making informed decisions when comparing rate quotes.

Ford Explorer Insurance Rates in Charlotte, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $206 $360 $324 $20 $96 $1,006 $84
Explorer Eddie Bauer 2WD $206 $360 $324 $20 $96 $1,006 $84
Explorer XLT 4WD $206 $360 $324 $20 $96 $1,006 $84
Explorer XLT AWD $206 $360 $324 $20 $96 $1,006 $84
Explorer Eddie Bauer 4WD $232 $438 $324 $20 $96 $1,110 $93
Explorer Eddie Bauer AWD $232 $438 $324 $20 $96 $1,110 $93
Explorer Limited 2WD $232 $438 $324 $20 $96 $1,110 $93
Explorer Limited 4WD $232 $438 $324 $20 $96 $1,110 $93
Explorer Limited AWD $232 $438 $324 $20 $96 $1,110 $93
Get Your Own Custom Quote Go

Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Premium amounts do not factor in Charlotte location which can raise or lower coverage rates significantly.

Car insurance deductibles

One common question asked by Charlotte drivers is which deductibles should you choose. The rates shown below summarize the differences in premium rates when you buy lower versus higher deductibles. The first table uses a $250 deductible and the second set of prices uses a $1,000 deductible.

Ford Explorer insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $192 $266 $250 $14 $74 $821 $68
Explorer Eddie Bauer 2WD $192 $266 $250 $14 $74 $821 $68
Explorer XLT 4WD $192 $266 $250 $14 $74 $821 $68
Explorer XLT AWD $192 $266 $250 $14 $74 $821 $68
Explorer Eddie Bauer 4WD $218 $324 $250 $14 $74 $905 $75
Explorer Eddie Bauer AWD $218 $324 $250 $14 $74 $905 $75
Explorer Limited 2WD $218 $324 $250 $14 $74 $905 $75
Explorer Limited 4WD $218 $324 $250 $14 $74 $905 $75
Explorer Limited AWD $218 $324 $250 $14 $74 $905 $75
Get Your Own Custom Quote Go

Ford Explorer insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $118 $168 $250 $14 $74 $624 $52
Explorer Eddie Bauer 2WD $118 $168 $250 $14 $74 $624 $52
Explorer XLT 4WD $118 $168 $250 $14 $74 $624 $52
Explorer XLT AWD $118 $168 $250 $14 $74 $624 $52
Explorer Eddie Bauer 4WD $134 $204 $250 $14 $74 $676 $56
Explorer Eddie Bauer AWD $134 $204 $250 $14 $74 $676 $56
Explorer Limited 2WD $134 $204 $250 $14 $74 $676 $56
Explorer Limited 4WD $134 $204 $250 $14 $74 $676 $56
Explorer Limited AWD $134 $204 $250 $14 $74 $676 $56
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Price estimates do not factor in your specific Charlotte location which can alter auto insurance rates substantially.

Based on this data, we can arrive at the conclusion that using a $250 deductible could cost the average driver approximately $18 more each month or $216 every year across all Ford Explorer models than quoting the higher $1,000 deductible. Because you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have at least 42 months between claims, you would probably be better off if you choose a higher deductible.

Calculation for raising deductibles

Average monthly premium for $250 deductibles: $72
Average monthly premium for $1,000 deductibles (subtract): – $54
Monthly savings from raising deductible: $18
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $18
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 42 months

One big caveat is that a higher deductible level results in a higher out-of-pocket expense if you have a claim. You need enough savings in order to pay the deductible for vehicle repair.

Ford Explorer insurance costs by gender and age

The illustration below illustrates the difference between Ford Explorer insurance costs for male and female drivers. The premium estimates are based on no claims or driving violations, full physical damage coverage, $100 deductibles, single status, and no additional discounts are factored in.

Local agents and auto insurance

A small number of people still prefer to buy from a licensed agent and that is a personal choice. One of the best bonuses of comparing rate quotes online is you can get cheap auto insurance rates and still have a local agent. Buying from and supporting small agencies is still important in Charlotte.

Insurance agents in CharlotteTo find an agent, once you fill out this simple form, your insurance coverage information is instantly submitted to participating agents in Charlotte that provide free Charlotte car insurance quotes for your coverage. You don’t have to search for any insurance agencies since price quotes are sent directly to your email. You can get cheaper auto insurance rates without having to waste a lot of time. If for some reason you want to get a price quote from a specific auto insurance provider, just jump over to their website and fill out the quote form the provide.

Independent or Exclusive: It’s your choice

When looking for a good insurance agency, you should know the types of insurance agents and how they can quote your rates. Agents in Charlotte can either be independent or exclusive.

Independent Agents (or Brokers)

Independent agents can sell policies from many different companies so as a result can place your coverage with lots of companies and get the cheapest rates. To transfer your coverage to a different company, they can switch companies in-house and you don’t have to do anything. When comparing auto insurance prices, we recommend you get several quotes from multiple independent agents to have the best price comparison.

Listed below are Charlotte independent agents that can give you cheap rate quotes.

13850 Ballantyne Corporate Pl #500Charlotte, NC 28277(704) 369-5270View Map

3121 Springbank Ln FCharlotte, NC 28226(704) 752-8233View Map

9620 Monroe RdCharlotte, NC 28270(704) 644-3058View Map

View more Charlotte agents

Exclusive Agents

Agents of this type generally can only insure with one company and examples are Allstate and State Farm. Exclusive agencies are unable to provide rate quotes from other companies so they really need to provide good service. Exclusive insurance agents receive extensive training on sales techniques and that allows them to sell at a higher price point.

Below is a list of exclusive agents in Charlotte who can help you get rate quotes.

Brian McCaw – State Farm Insurance Agent
5950 Fairview Rd #220Charlotte, NC 28210(704) 554-0144View Map

8633 Monroe Rd dCharlotte, NC 28212(704) 535-2292View Map

2730 E W.T. Harris Blvd #202Charlotte, NC 28213(704) 535-3700View Map

View more Charlotte agents

Deciding on an insurance agent should depend on more than just a cheap quote. These are some valid questions you should ask.

Do I need special coverages?

When it comes to coverage online or from an agent, there really isn’t a “perfect” insurance plan. Everyone’s needs are different.Auto insurance savings

For example, these questions might help in determining whether your personal situation may require specific advice.

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Get Ford Explorer Insurance More Affordably

Many different elements are taken into consideration when you quote your car insurance policy. Some of the criteria are obvious like an MVR report, although some other factors are not as apparent such as your marital status or how safe your car is.

Why you need quality insurance for your Explorer

Despite the high insurance cost for a Ford Explorer in Charlotte, car insurance may be required and benefits you in several ways.

The benefits of carrying enough insurance outweigh the cost, particularly if you ever have a claim. According to a recent study, the average American driver is overpaying over $820 a year so compare rates each time the policy renews to ensure rates are inline.

Quote more to save more

There are still a few companies who may not offer internet price quotes and most of the time these small, regional companies only sell through independent agents. Cheaper insurance in Charlotte is definitely available from both online companies in addition to local insurance agencies, and you should be comparing both in order to have the best chance of saving money.

Drivers leave their current company for a variety of reasons including denial of a claim, being labeled a high risk driver, unfair underwriting practices and even poor customer service. No matter why you want to switch, switching companies is less work than it seems.

As you prepare to switch companies, never skimp on critical coverages to save a buck or two. There have been many cases where drivers have reduced liability coverage limits and found out when filing a claim they didn’t purchase enough coverage. Your goal should be to buy the best coverage you can find at an affordable rate while still protecting your assets.

Steps to finding cheaper Ford Explorer insurance in Charlotte

If you want to find the absolute lowest rates, then the best way to get the cheapest Ford Explorer insurance in Charlotte is to start comparing prices regularly from companies who sell auto insurance in North Carolina. You can compare rates by following these steps.

  1. Get an understanding of the different coverages in a policy and the modifications you can make to prevent rate increases. Many rating criteria that drive up the price such as traffic violations and a negative credit score can be remedied by making minor changes to your lifestyle.
  2. Obtain price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can provide rates from one company like Progressive or State Farm, while independent agents can quote rates from many different companies. Compare rates now
  3. Compare the new rate quotes to your current policy to see if a cheaper price is available in Charlotte. If you find a lower rate and switch companies, ensure there is no coverage lapse between policies.

The most important part of this process is that you use similar deductibles and liability limits on each quote and and to get price estimates from as many companies as you can. Doing this enables a level playing field and the best price selection.

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