Discount Ford Explorer insuranceHow long has it been since the last time you looked for lower-priced Ford Explorer insurance in Henderson? Finding the cheapest insurance for a Ford Explorer in Nevada can normally be difficult, but you can learn the following methods and make it easy.

There are both good and bad ways to compare insurance rates and we'll show you the best way to price shop coverage on a Ford and get the cheapest rates either online or from Henderson insurance agents.

Five Tips to Get More Affordable Henderson Insurance Costs

Many things are part of the calculation when quoting car insurance. Some of the criteria are obvious such as your driving record, but other factors are less obvious such as whether you are married or your vehicle rating.

Annual mileage impacts prices - The more miles you rack up on your Ford each year the higher your rates will be. A lot of companies charge rates based upon how you use the vehicle. Cars that are left in the garage cost less to insure than cars that get driven a lot. It's always a good idea to double check that your car insurance declarations sheet is showing how each vehicle is driven, because improper ratings can cost you money. Having the wrong rating on your Explorer is just wasting money.

How your age affects premiums - Youthful drivers in Nevada tend to be more careless when at the wheel of a vehicle so they pay higher car insurance rates. If you've ever had to add a young driver onto your car insurance can cause a big jump in price. More mature drivers have been proven to be more responsible, cause fewer claims and accidents, and are safer drivers.

Pay more out-of-pocket - The deductibles you choose are how much you are required to spend out-of-pocket before your car insurance pays a claim. Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. A few examples of covered claims would be a windshield broken by a bird, animal collisions, and having a roll-over accident. The more expense you choose to pay out-of-pocket, the better rate you will receive.

Liability coverage limits should be high - The liability coverage on your policy provides coverage if ever you are ruled to be at fault for causing damage or personal injury in an accident. Your policy's liability insurance provides legal defense coverage which can cost a lot. Liability is cheap compared to insuring for physical damage coverage, so drivers should make sure they buy enough to cover all assets.

Discounts for multiple policies - Some insurance companies allow lower prices to people who have multiple policies with them, otherwise known as a multi-policy discount. Discounts can amount to 10 percent or more. Even if you're getting this discount it's always a smart idea to compare other Henderson Explorer insurance rates to guarantee you are still saving the most. Drivers may still find a better deal by insuring with multiple companies.

Ford Explorer insurance loss data - Insurers take into consideration historical loss data for every vehicle when they calculate premium costs for each model. Vehicles that the statistics show to have a trend towards higher claim severity or frequency will cost more to insure.

The table below outlines the historical loss data for Ford Explorer vehicles. For each coverage type, the claim probability for all vehicles averaged together is represented as 100. Percentage numbers below 100 indicate a favorable loss history, while values that are above 100 indicate more frequent losses or tendency to have larger claims.

Ford Explorer Insurance Claim Statistics

Vehicle Make and 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

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

The majority of larger companies like State Farm, GEICO and Progressive give prices for coverage directly from their websites. This process is very simple because you just enter your coverage preferences into the form. Once you submit the form, their quoting system automatically retrieves your driving and credit reports and returns a price quote based on many factors.

Getting online rates for Ford Explorer insurance in Henderson makes comparing rates easy, and it's absolutely necessary to do this if you want to find lower-cost rates.

To compare rates now, take a look at the companies shown below. If you have coverage now, it's recommended you enter the insurance coverages identical to your current policy. Doing this assures you're receiving comparison quotes for the exact same coverage.

The companies in the list below provide price comparisons in Nevada. If several companies are displayed, it's a good idea that you click on several of them to get the most competitive price.

Ford Explorer Insurance Price Estimates in Henderson, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $164 $256 $416 $24 $124 $984 $82
Explorer Eddie Bauer 2WD $234 $380 $372 $22 $112 $1,120 $93
Explorer XLT 4WD $266 $394 $308 $18 $92 $1,078 $90
Explorer XLT AWD $204 $326 $290 $18 $86 $924 $77
Explorer Eddie Bauer 4WD $258 $454 $400 $24 $120 $1,256 $105
Explorer Eddie Bauer AWD $152 $232 $318 $18 $96 $816 $68
Explorer Limited 2WD $214 $372 $372 $22 $112 $1,092 $91
Explorer Limited 4WD $260 $394 $314 $18 $94 $1,080 $90
Explorer Limited AWD $184 $310 $416 $24 $124 $1,058 $88
Get Your Own Custom Quote Go

Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Rate information does not factor in garaging location in Henderson which can increase or decrease insurance rates significantly.

Auto insurance premiums by gender

The example below shows the comparison of Ford Explorer insurance costs for male and female drivers. The premiums are based on no violations or claims, full physical damage coverage, $100 deductibles, drivers are single, and no discounts are factored in.

Comparison of policy deductibles

One of the most common auto insurance questions is which comprehensive and collision deductibles to buy. The following tables can help you understand how much more you'll pay between low and high physical damage deductibles. The first rate quote example uses a $250 physical damage deductible and the second price table uses a $500 deductible.

Ford Explorer insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $238 $330 $308 $18 $92 $1,011 $84
Explorer Eddie Bauer 2WD $238 $330 $308 $18 $92 $1,011 $84
Explorer XLT 4WD $238 $330 $308 $18 $92 $1,011 $84
Explorer XLT AWD $238 $330 $308 $18 $92 $1,011 $84
Explorer Eddie Bauer 4WD $268 $402 $308 $18 $92 $1,113 $93
Explorer Eddie Bauer AWD $268 $402 $308 $18 $92 $1,113 $93
Explorer Limited 2WD $268 $402 $308 $18 $92 $1,113 $93
Explorer Limited 4WD $268 $402 $308 $18 $92 $1,113 $93
Explorer Limited AWD $268 $402 $308 $18 $92 $1,113 $93
Get Your Own Custom Quote Go
Ford Explorer insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $194 $266 $308 $18 $92 $878 $73
Explorer Eddie Bauer 2WD $194 $266 $308 $18 $92 $878 $73
Explorer XLT 4WD $194 $266 $308 $18 $92 $878 $73
Explorer XLT AWD $194 $266 $308 $18 $92 $878 $73
Explorer Eddie Bauer 4WD $218 $324 $308 $18 $92 $960 $80
Explorer Eddie Bauer AWD $218 $324 $308 $18 $92 $960 $80
Explorer Limited 2WD $218 $324 $308 $18 $92 $960 $80
Explorer Limited 4WD $218 $324 $308 $18 $92 $960 $80
Explorer Limited AWD $218 $324 $308 $18 $92 $960 $80
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Prices do not factor in specific garaging location which can change coverage rates substantially.

Using the premium rates above, we can conclude that using a $250 deductible will cost you about $12 more each month or $144 for a full year than selecting the higher $500 deductible. Due to the fact that you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you have at a minimum 21 months between claim filings, you would probably save some money by selecting a higher deductible.

How to calculate deductible break even period

Average monthly premium for $250 deductibles: $89
Average monthly premium for $500 deductibles (subtract): - $77
Monthly savings from raising deductible: $12
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $12
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

Can you really save if you switch?

Nevada consumers can't escape the ads that promise big savings for switching from companies such as State Farm, GEICO and Progressive. They all state the claim about how much you will save if you get a free Henderson car insurance quote and switch your policy.

It sounds good, but how can they all give you a lower rate on Ford Explorer insurance in Henderson? This is the trick they use.

Companies have specific criteria for the type of driver that earns them the most money. For instance, a desirable risk might be a married male, has a low-risk occupation, and insures a new vehicle. Any new insured who matches that profile will get low auto insurance rates and is almost guaranteed to save money with a new company.

Potential customers who do not fit this ideal profile must pay a more expensive rate which leads to the driver buying from a lower-cost company. The wording the ads use say "drivers that switch" not "everyone who quotes" can get the lowest rates when switching. That's the way insurance companies can confidently claim big savings.

This really drives home the point why you really should compare price quotes frequently. It is just not possible to predict the company that will have the lowest Ford Explorer insurance in Henderson.

Protect your Ford Explorer and other assets

Despite the fact that insurance is not cheap in Henderson, maintaining insurance may be required for several reasons.

First, almost all states have mandatory liability insurance requirements which means you are required to carry a specific level of liability insurance coverage in order to be legal. In Nevada these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you bought your car with a loan, more than likely the lender will make it mandatory that you have comprehensive coverage to ensure the loan is repaid in case of a total loss. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Ford for a much higher rate and force you to pay for it.

Third, insurance safeguards not only your Ford Explorer but also your financial assets. It also can pay for medical transport and hospital expenses for you, your passengers, and anyone else injured in an accident. As part of your policy, liability insurance also pays for attorney fees and expenses if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, your policy will pay to repair the damage minus the deductible amount.

The benefits of insuring your Explorer are definitely more than the cost, especially when you need to use it. According to a recent study, the average American driver overpays as much as $850 per year so you should quote rates at every policy renewal to be sure current rates are still competitive.

Get cheaper Ford Explorer insurance in Henderson with discounts

Some insurance providers don't always list the complete list of policy discounts in a way that's easy to find, so the list below details both the well known and the more hidden credits available to you. If you don't get every credit available, you're paying more than you need to.Cheaper auto insurance with discounts

One thing to note about discounts is that most discount credits are not given to the overall cost of the policy. A few only apply to specific coverage prices like comprehensive or collision. If you do the math and it seems like you can get free auto insurance, company stockholders wouldn't be very happy.

If you would like to see a list of providers that offer discounts in Nevada, click here to view.

What if I want to buy from local Henderson auto insurance agents?

Some consumers just want to buy from a licensed agent and often times that is recommended Agents can answer important questions and help file insurance claims. The biggest benefit of comparing insurance prices online is that you can obtain cheaper prices and still buy from a local agent. And supporting neighborhood insurance agencies is important especially in Henderson.

For easy comparison, once you complete this simple form, the coverage information is emailed to participating agents in Henderson who will give competitive quotes for your coverage. There is no need to find an agent since price quotes are sent to the email address you provide. If you need to get a rate quote from one company in particular, just visit that company's website and fill out their quote form.

Finding the right provider needs to be determined by more than just a low price. Before buying a policy in Henderson, get answers to these questions.

The best insurance company isn't always the cheapest

Lower-priced auto insurance in Henderson can be purchased both online as well as from insurance agents, so you should compare both to have the best chance of lowering rates. A few companies don't offer rates over the internet and many times these regional insurance providers prefer to sell through independent agencies.

Drivers switch companies for a variety of reasons including being labeled a high risk driver, denial of a claim, questionable increases in premium or high rates after DUI convictions. No matter why you want to switch, finding a great new company is less work than it seems.

In this article, we presented a lot of information how to reduce Ford Explorer insurance car insurance rates online in Henderson. It's most important to understand that the more rate quotes you have, the higher your chance of finding affordable Ford Explorer insurance quotes. You may even discover the biggest savings come from a small local company.

Even more information is located at these sites: