Do you want an efficient way to compare more affordable Ford Explorer insurance in Reno? Have you had enough of paying out the nose to make your auto insurance payment? You are in the same boat as many other Nevada drivers.

Insurance quote for Ford Explorer in RenoRemarkably, a study showed that nearly 70% of customers have remained with the same auto insurance company for at least four years, and roughly 40% of drivers have never compared rates from other carriers. Nevada consumers could save themselves almost $550 a year just by shopping around, but they mistakenly think it's difficult to compare other rate quotes.

Popular companies such as Progressive, State Farm and GEICO constantly blast consumers with ads and it is difficult to sift through the bull and effectively compare rates to find the best deal.

If you are already insured, you should be able to buy cheaper auto insurance using this strategy. Choosing the most cost-effective auto insurance policy in Reno is actually quite simple. But Nevada drivers must understand how big insurance companies charge you for coverage because it varies considerably.

The quickest way to compare insurance rates in your area takes advantage of the fact most of the bigger providers allow for online access to quote your coverage. The only thing you need to do is provide details such as if you're married, an estimate of your credit level, what your job is, and driver details. Those rating factors is then submitted to insurance carriers in your area and you should receive rate quotes within a short period of time.

To compare multiple company affordable Ford Explorer insurance rates now, click here and complete the quick form.

The companies in the list below have been selected to offer free rate quotes in Reno, NV. If multiple companies are listed, we recommend you click on several of them to get a more complete price comparison.

Ford Explorer Insurance Cost Estimates in Reno, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $238 $330 $308 $18 $92 $986 $82
Explorer Eddie Bauer 2WD $204 $324 $348 $20 $104 $1,000 $83
Explorer XLT 4WD $166 $260 $348 $20 $104 $898 $75
Explorer XLT AWD $166 $260 $324 $20 $96 $866 $72
Explorer Eddie Bauer 4WD $130 $214 $296 $18 $88 $746 $62
Explorer Eddie Bauer AWD $170 $276 $296 $18 $88 $848 $71
Explorer Limited 2WD $142 $248 $324 $20 $96 $830 $69
Explorer Limited 4WD $258 $494 $348 $20 $104 $1,224 $102
Explorer Limited AWD $152 $232 $318 $18 $96 $816 $68
Get Your Own Custom Quote Go

Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Rates do not factor in Reno location which can increase or decrease premium rates greatly.

Ford Explorer liability-only versus full coverage

The information below shows the difference between Ford Explorer car insurance costs with full physical damage coverage compared to only buying liability only. The price estimates are based on no claims, a clean driving record, $500 deductibles, married female driver, and no discounts are applied.

Deciding between full coverage and liability only

There is no specific rule to stop buying full coverage, but there is a guideline you can use. If the annual cost of having full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.

For example, let's say your Ford Explorer claim settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would get paid by your company is $7,000 after paying the physical damage deductible. If you are paying in excess of $700 annually for physical damage coverage, the it may be a good time to stop paying for full coverage.

There are some circumstances where only buying liability is not financially feasible. If you still owe a portion of the original loan, you have to carry full coverage to satisfy the loan requirements. Also, if you can't afford to buy a different vehicle in case of an accident, you should keep full coverage in place.

Protect your Ford vehicle and other assets

Despite the high insurance cost for a Ford Explorer in Reno, maintaining insurance is not optional due to several reasons.

The benefits of insuring your car definitely exceed the price paid, specifically if you ever have a liability claim. But the average driver in Nevada is overpaying over $830 a year so shop around each time the policy renews to be sure current rates are still competitive.

Why Your Insurance Prices might be higher

Smart consumers have a good feel for the factors that go into determining the rates you pay for auto insurance. If you know what positively or negatively impacts your premiums, this helps enable you to make changes that could help you find much lower annual insurance costs. Lots of things are considered when you get your auto insurance bill. Some are pretty understandable such as traffic violations, but some are more obscure like your continuous coverage or your vehicle rating.

Companies offer many types of discounts on Ford Explorer insurance in Reno

Car insurance companies do not list all available discounts in an easy-to-find place, so the next list breaks down both well-publicized as well as some of the hidden car insurance savings.Car insurance discounts

Policy discounts save money, but some of the credits will not apply to the entire policy premium. Some only apply to individual premiums such as medical payments or collision. Despite the appearance that you would end up receiving a 100% discount, companies don't profit that way.

If you would like to choose from a list of companies who offer cheap Ford Explorer insurance quotes in Reno in Reno, click here.

Insurance can be complex

When it comes to choosing your policy, there really isn't a "best" method to buy coverage. Coverage needs to be tailored to your specific needs.Drive safe and save

For example, these questions can aid in determining if you might need an agent's assistance.

If you don't know the answers to these questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Car insurance is available from local insurance agents

Many people still like to buy from a local agent and that is recommended in a lot of cases The best thing about getting online price quotes is that you can find cheap car insurance rates but still work with a licensed agent. And supporting local insurance agencies is important particularly in Reno.

Insurance agents in RenoTo help locate an agent, after submitting this short form, your insurance data is instantly submitted to local insurance agents that can give you free Reno auto insurance quotes to get your business. You never need to contact an agency because prices are sent straight to your inbox. Get lower rates without requiring a lot of work. If you need to get a rate quote from a specific company, don't hesitate to navigate to their website and give them your coverage information.

Picking an provider needs to be determined by more than just the price. The questions below may impact your decision as well.

Cheaper insurance rates are possible

When searching for the cheapest Ford Explorer rate quotes, it's a bad idea to buy less coverage just to save a little money. In too many instances, consumers will sacrifice liability coverage limits and learned later that a couple dollars of savings turned into a financial nightmare. The goal is to buy enough coverage at the best cost, but do not skimp to save money.

Cost effective Ford Explorer insurance can be purchased online and also from your neighborhood Reno agents, so you should be comparing quotes from both to have the best selection. A few companies may not provide price quotes online and usually these small, regional companies sell through independent insurance agencies.

Consumers change insurance companies for many reasons like delays in responding to claim requests, extreme rates for teen drivers, high prices and policy non-renewal. No matter why you want to switch, finding a great new company is less work than it seems.

Helpful resources