Austin buyers have a choice when searching for the lowest priced Ford Explorer insurance. They can either spend hours contacting agents trying to get quotes or use the internet to get rate quotes.
There is a better way to find auto insurance online so we’re going to tell you the quickest way to quote coverages for a Ford and find the lowest price from Austin insurance agents and online providers.
The purpose of this post is to tell you how to effectively get price quotes and some tips to save money. If you are paying for car insurance now, you will be able to lower your premiums substantially using this strategy. Texas vehicle owners just need to learn the proper methods to shop their coverage around online.
Discount Austin auto insurance quotes
Auto insurance is not an enjoyable expense, but you may qualify for discounts that many people don’t even know exist. Certain credits will be shown at the time of purchase, but some must be specifically requested prior to receiving the credit.
- Low Mileage Discounts – Keeping the miles down on your Ford can earn discounted auto insurancerates on garaged vehicles.
- ABS and Traction Control Discounts – Cars, trucks, and SUVs with ABS braking systems or traction control are much safer to drive and the ABS can save up to 10%.
- Telematics Data – Austin drivers who agree to allow their auto insurance company to spy on vehicle usage remotely like Drivewise from Allstate or In-Drive from State Farm might see lower rates if they have good driving habits.
- Accident Waiver – Not necessarily a discount, but a handful of insurance companies will let one accident slide before your rates go up so long as you are claim-free prior to being involved in the accident.
- Senior Citizen Rates – Drivers that qualify as senior citizens may be able to get a small discount on rates for Explorer insurance.
- Accident Free – Insureds who avoid accidents and claims get the best auto insurance rates in comparison to bad drivers.
- Seat Belt Discounts – Requiring all passengers to fasten their seat belts can save 10% or more off the PIP or medical payment premium.
- Theft Deterent Discount – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and will qualify for a discount on a .
- Home Ownership Discount – Owning a house in Austin can earn you a little savings due to the fact that maintaining a home requires a higher level of personal finance.
You can save money using discounts, but some of the credits will not apply to all coverage premiums. Most cut the cost of specific coverages such as comprehensive or collision. Just because it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.
For a list of companies who offer free auto insurance quotes in Texas, follow this link.
Eight Tips to Get More Affordable Austin Insurance Prices
Lots of things are considered when pricing auto insurance. Some of the criteria are obvious such as your driving history, although some other factors are not as apparent such as your marital status or how financially stable you are.
Shown below are some of the things used by insurance companies to determine premiums.
- Gender is a factor – The statistics show that females tend to be a little less risky than males. Now that doesn’t mean men are worse drivers. Females and males have auto accidents at about the same rate, but males tend to have higher claims. Not only are claims higher, but men get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly.
- Do you have enough liability insurance? – Liability insurance will afford coverage in the event that a court rules you are at fault for damages from an accident. Your liability coverage provides legal defense starting from day one. This coverage is very inexpensive compared to comp and collision, so insureds should have plenty of protection for their assets.
- Use one insurance company and save – Most major insurers allow better rates to people who carry more than one policy such as combining an auto and homeowners policy. Discounts can amount to 10 percent or more. Even if you already get this discount, it’s still a good idea to compare rates to verify if the discount is saving money.
- What type of car do you drive? – The performance level of the car or truck you are insuring makes a big difference in your premium level. The most favorable rates are for low performance passenger models, but your final cost has many other factors. Due to the fact that the Ford Explorer is considered a standard SUV, insuring your vehicle will cost slighty more when compared to the average rates in Austin.
- Prices may be higher where you live – Living in a rural area is a good thing when it comes to auto insurance. Less people translates into fewer accidents in addition to lower liability claims Urban drivers have more auto accidents and a longer drive to work. More time on the road translates into higher accident risk.
- Deter theft and reduce prices – Selecting a car model that has an advanced theft prevention system can get you a discount on your auto insurance. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent auto theft and help lower rates.
- Policy add-ons can waste money – There are quite a few optional add-on coverages that can add up if you aren’t careful. Add-on coverages like personal injury protection, towing, and extra life insurance coverage could be just wasting money. They may seem like a good idea initially, but if they’re wasting money remove them from your policy.
- Maintain auto insurance coverage – Not having insurance is against the law and as a result your rates will increase for letting your insurance lapse for non-payment. Not only will you pay more, not being able to provide proof of insurance could result in a steep fine or even jail time. You may then be required to provide proof of insurance in the form of an SR-22 filing with the Texas motor vehicle department.
Tailor your auto insurance coverage to you
When it comes to buying coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s needs are different.
For example, these questions can aid in determining whether your personal situation might need an agent’s assistance.
- Does liability extend to a camper or trailer?
- What happens if I owe more than my Ford Explorer is worth?
- Should I put collision coverage on all my vehicles?
- Does my personal policy cover me when driving my company car?
- When should I remove comp and collision on my Ford Explorer?
- Can I afford to pay high deductible claims out of pocket?
- Does coverage extend to a rental car in a foreign country?
- Can my teen driver be rated on a liability-only vehicle?
- I have good health insurance, so how much medical payments coverage do I need?
- When does my teenage driver need to be added to my policy?
If you can’t answer these questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can help protect your family.
Learn more about Texas auto insurance
Additional auto insurance information can be found on the Texas Department of Insurance website found here. Texas drivers can discover disciplinary actions, find a variety of consumer forms, learn about insurance regulations, and report car insurance fraud.
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Lower rates by being persistent
We covered some good ideas how you can reduce Ford Explorer insurance premium rates online. It’s most important to understand that the more quotes you get, the better likelihood of getting . You may even discover the lowest premium rates come from a lesser-known regional company.
Cheap Ford Explorer insurance is definitely available online as well as from insurance agents, so you should compare both to have the best chance of lowering rates. Some insurance companies may not offer the ability to get quotes online and most of the time these smaller providers prefer to sell through independent agents.
When searching for , don’t be tempted to reduce coverage to reduce premium. In too many instances, an accident victim reduced liability coverage limits only to find out that saving that couple of dollars actually costed them tens of thousands. The goal is to get the best coverage possible at the best possible price and still be able to protect your assets.