How long has it been since you compared quotes for lower-priced Ford Explorer insurance in Evansville? Nobody that owns a car likes paying for auto insurance, particularly when their premiums are through the roof.
It's hard to fathom, but nearly 70% of customers have purchased from the same company for four years or more, and nearly the majority have never quoted auto insurance rates at all. With the average premium in Indiana being $1,389, drivers could pocket 55% a year by just comparing rate quotes, but they don't know the amount of money they would save if they bought a different policy. With drivers having so many auto insurance companies to choose from, it's difficult to choose the lowest price insurer.
Finding the cheapest car insurance coverage in Evansville can be made easier if you know where to look. If you are already insured or are just looking to switch companies, take advantage of these tips to find the best rates and still have adequate protection. Comparison shoppers just need to use how to compare different rates on the web.
Take advantage of these five discounts
Car insurance can cost a lot, but you can get discounts to cut the cost considerably. Certain credits will be shown at the time of purchase, but some need to be asked for prior to receiving the credit.
- Life Insurance Discount - Not every insurance company offers life insurance, but if they do you may earn a break if you buy life insurance from them.
- Theft Deterrent Discount - Anti-theft and alarm system equipped vehicles are less likely to be stolen and earn discounts up to 10% off your Evansville auto insurance quote.
- Data Collection Discounts - Insureds who allow their company to spy on vehicle usage by using a telematics device in their vehicle such as Allstate's Drivewise and State Farm's In-Drive system may see discounts if they show good driving skills.
- Professional Memberships - Belonging to qualifying employment or professional organizations can get you a small discount on your next insurance statement.
- New Car Discount - Insuring a vehicle that is new can get you a discount since newer models are generally safer.
Just know that most discounts do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like all the discounts add up to a free policy, it's just not the way it works.
Auto insurance companies who might offer some of the above discounts include:
When comparing rates, check with every company what discounts are available to you. Savings might not be offered on policies in Evansville. If you would like to see a list of insurance companies with the best Ford Explorer insurance discounts in Evansville, click here to view.
Getting cheap Ford Explorer insurance pricing doesn't have to be difficult. You just need to invest a little time comparing price quotes from online providers.
Getting quotes online is very simple and it takes the place of having to call or drive to different Evansville agent offices. The fact that you can get quotes online makes this process obsolete unless you have a complicated situation and need the trained guidance that can only be provided by a licensed insurance agent. Although you can compare the best prices online and have a local agent actually service the policy.
The companies shown below offer free quotes in Evansville, IN. If multiple companies are listed, we suggest you visit several of them to get the most competitive price.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Explorer XLT 2WD||$134||$188||$280||$16||$84||$702||$59|
|Explorer Eddie Bauer 2WD||$210||$294||$286||$16||$86||$892||$74|
|Explorer XLT 4WD||$196||$298||$380||$22||$114||$1,010||$84|
|Explorer XLT AWD||$130||$186||$286||$16||$86||$704||$59|
|Explorer Eddie Bauer 4WD||$172||$288||$294||$18||$88||$860||$72|
|Explorer Eddie Bauer AWD||$154||$244||$264||$16||$80||$758||$63|
|Explorer Limited 2WD||$138||$212||$290||$18||$86||$744||$62|
|Explorer Limited 4WD||$152||$230||$280||$16||$84||$762||$64|
|Explorer Limited AWD||$268||$502||$340||$20||$102||$1,232||$103|
|Get Your Own Custom Quote Go|
Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Rate quotes do not factor in specific location information which can alter coverage prices substantially.
Raise deductibles and save
The illustration below shows how choosing a deductible and can affect Ford Explorer premium costs for different ages of insureds. The price estimates are based on a single female driver, comp and collision included, and no policy discounts are applied.
Local insurance agents
Some consumers still prefer to buy from a licensed agent and often times that is recommended Experienced insurance agents can answer important questions and help in the event of a claim. An additional benefit of comparing insurance prices online is that you can obtain the lowest rates and still have an agent to talk to.
To make it easy to find an agent, after completing this simple form, your coverage information is emailed to local insurance agents in Evansville that can provide free Evansville auto insurance quotes and help you find cheaper coverage. You won't need to contact any insurance agencies since price quotes are sent to you instantly. In the event you want to compare rates from a specific insurance company, just search and find their rate quote page and submit a quote form there.
Finding a good company is decision based upon more than just a cheap price. The questions below may impact your decision as well.
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
- Does the company allow you to choose your own collision repair facility?
- Which members of your family are coverage by the policy?
- Do they have cheaper tiers of coverage?
- Is the agency involved in supporting local community causes?
Do you need an independent or exclusive car insurance agent?
If you are wanting to find an insurance agent, it's helpful to know the different agency structures and how they can write your policy. Car insurance agents in Evansville may be either exclusive agents or independent agents. Either type can sell affordable car insurance policies, but it is important to understand the difference between them since it could factor into the type of agent you choose.
These type of agents can only quote rates from one company such as State Farm, Allstate, and Farm Bureau. These agents are unable to provide rate quotes from other companies so they really need to provide good service. Exclusive insurance agents are very knowledgeable on their products and sales techniques which helps them sell insurance even at higher premiums.
Below is a list of exclusive insurance agencies in Evansville willing to provide price quotes.
Jerry Smith - State Farm Insurance Agent
4800 University Dr Ste B - Evansville, IN 47712 - (812) 425-6338 - View Map
Independent agents are not locked into one company so they can quote policies amongst many companies and find you cheaper rates. If prices rise, your policy is moved internally and you won't have to switch agencies.
When searching for an agent, you need to include price quotes from a few independent agents to maximize your price options.
Shown below are Evansville independent insurance agencies that can give you price quote information.
Auto insurance does more than just repair your car
Despite the high cost, insurance is required for several reasons.
- The majority of states have mandatory insurance requirements which means the state requires specific minimum amounts of liability insurance in order to get the vehicle licensed. In Indiana these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a lien on your Ford, most lenders will make it mandatory that you carry insurance to protect their interest in the vehicle. If the policy lapses, the bank may insure your Ford for a much higher rate and make you pay a much higher amount than you were paying before.
- Insurance protects both your assets and your vehicle. It will also cover medical transport and hospital expenses incurred in an accident. Liability insurance will also pay for a defense attorney if you are sued as the result of your driving. If you have damage to your Ford as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will cover the damage repairs after a deductible is paid.
The benefits of carrying enough insurance are definitely more than the cost, especially if you ever need it. On average, a vehicle owner in Evansville overpays as much as $820 a year so you should quote rates at least once a year to be sure current rates are still competitive.
Information about specific coverages
Learning about specific coverages of your insurance policy helps when choosing the best coverages for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are the normal coverages available from insurance companies.
Liability auto insurance
This coverage will cover damages or injuries you inflict on people or other property in an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/10 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $10,000 for damage to vehicles and property.
Liability can pay for things like bail bonds, medical services, pain and suffering, legal defense fees and medical expenses. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford. Indiana state minimum liability requirements are 25/50/10 but drivers should carry higher limits.
Uninsured Motorist or Underinsured Motorist insurance
Uninsured or Underinsured Motorist coverage provides protection when the "other guys" either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and also any damage incurred to your Ford Explorer.
Because many people have only the minimum liability required by law (which is 25/50/10), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.
Insurance for medical payments
Med pay and PIP coverage reimburse you for expenses like ambulance fees, prosthetic devices, nursing services, rehabilitation expenses and surgery. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible
Comprehensive coverage (or Other than Collision)
Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims like falling objects, hitting a bird, vandalism, theft and hail damage. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
This coverage will pay to fix damage to your Explorer resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims such as driving through your garage door, colliding with another moving vehicle, crashing into a ditch, damaging your car on a curb and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It's also possible to increase the deductible on your Explorer to save money on collision insurance.
A conclusion for your insurance search
We just covered a lot of ways to compare Ford Explorer insurance prices in Evansville. The most important thing to understand is the more rate comparisons you have, the better chance you'll have of finding the cheapest Ford Explorer rate quotes. Drivers may even discover the best prices are with a company that doesn't do a lot of advertising. Some small companies can often provide lower rates in certain areas than their larger competitors like Progressive or GEICO.
More affordable insurance in Evansville can be bought online in addition to many Evansville insurance agents, and you should compare rates from both in order to have the best price selection to choose from. There are still a few companies who do not provide rates over the internet and most of the time these smaller providers sell through independent insurance agencies.
Additional learning opportunities
- Tread Depth and Tire Safety (State Farm)
- Who Has Cheap Auto Insurance for a Kia Forte in Indiana? (FAQ)
- What is the Cheapest Auto Insurance in Anderson, Indiana? (FAQ)
- What Insurance is Cheapest for a Jeep Grand Cherokee in Indiana? (FAQ)
- What is Full Coverage? (Allstate)
- Teen Driving Statistics (iihs.org)
- Parking Tips to Reduce Door Dings (State Farm)
- Auto Crash Statistics (Insurance Information Institute)