Do you want to learn to get low-cost insurance rates in San Diego, CA? San Diego consumers have a choice when looking for the lowest priced Ford Explorer Sport Trac insurance. They can either spend hours calling around trying to get quotes or use the internet to make rate comparisons.
There are both good and bad ways to compare insurance rates so you’re going to learn the proper way to price shop coverage for a new or used Ford and find the lowest price either online or from San Diego insurance agents.
A recent insurance study revealed that most insurance policyholders have purchased from the same company for over three years, and about 40% of consumers have never compared rates with other companies. California consumers could save $500 each year just by getting comparison quotes, but they don’t believe how much they could save if they swap their current policy for a cheaper one.
Smart consumers take time to price shop coverage yearly because prices change quite often. Despite the fact that you may have had the best rates on Ford Explorer Sport Trac insurance in San Diego six months ago there is a good chance you can find better rate quotes now. Forget all the misinformation about insurance because you’re about to learn the only way to lower your annual insurance bill.
Our goal is to familiarize you with how to get online quotes and also pocket some savings If you have a current car insurance policy, you will most likely be able to shop for the lowest rates using the tips covered below. Vehicle owners just have to use the proper way to compare company rates from many different companies.
The quickest method to compare rate quotes for Ford Explorer Sport Trac insurance in San Diego is to realize most of the larger companies allow for online access to provide you with a free rate quote. All consumers are required to do is give the companies some data such as how much school you completed, if the vehicle is leased, how many miles driven, and the year, make and model of vehicles. Your rating data gets transmitted to multiple top-rated companies and they return rate quotes very quickly.
To find the cheapest Ford Explorer Sport Trac insurance rates, click here and complete the quick form.
The companies shown below provide quotes in California. If multiple providers are shown, we recommend you click on several of them to get a more complete price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Explorer Sport Trac XLT 2WD | $208 | $374 | $464 | $28 | $138 | $1,212 | $101 |
| Explorer Sport Trac Limited 2WD | $294 | $464 | $464 | $28 | $138 | $1,388 | $116 |
| Explorer Sport Trac XLT 4WD | $182 | $292 | $464 | $28 | $138 | $1,104 | $92 |
| Explorer Sport Trac Limited 4WD | $374 | $564 | $450 | $26 | $134 | $1,548 | $129 |
| Explorer Sport Trac Limited AWD | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Information does not factor in your specific San Diego location which can alter insurance rates noticeably.
Higher deductibles lower rates
When buying auto insurance, a common question is how high should the deductibles for physical damage be. The premium rates below help summarize the rate differences when you choose different physical damage coverage deductibles. The first price estimate table uses a $100 physical damage coverage deductible and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Explorer Sport Trac XLT 2WD | $332 | $564 | $442 | $26 | $132 | $1,521 | $127 |
| Explorer Sport Trac Limited 2WD | $380 | $564 | $442 | $26 | $132 | $1,569 | $131 |
| Explorer Sport Trac XLT 4WD | $380 | $564 | $442 | $26 | $132 | $1,569 | $131 |
| Explorer Sport Trac Limited 4WD | $430 | $686 | $442 | $26 | $132 | $1,741 | $145 |
| Explorer Sport Trac Limited AWD | $430 | $686 | $442 | $26 | $132 | $1,741 | $145 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Explorer Sport Trac XLT 2WD | $184 | $298 | $442 | $26 | $132 | $1,082 | $90 |
| Explorer Sport Trac Limited 2WD | $210 | $298 | $442 | $26 | $132 | $1,108 | $92 |
| Explorer Sport Trac XLT 4WD | $210 | $298 | $442 | $26 | $132 | $1,108 | $92 |
| Explorer Sport Trac Limited 4WD | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| Explorer Sport Trac Limited AWD | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Prices do not factor in specific garaging location which can lower or raise coverage rates greatly.
Based on the data above, we can derive that using a $100 deductible could cost the average driver approximately $41 more each month or $492 annually than selecting the higher $1,000 deductible. Since you would pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you go at a minimum 22 months between claims, you would come out ahead if you elect the higher deductible. The table below shows the way this decision is made.
| Average monthly premium for $100 deductibles: | $136 |
| Average monthly premium for $1,000 deductibles (subtract): | – $95 |
| Monthly savings from raising deductible: | $41 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $41 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 22 months |
One big caveat is that raising deductibles to save money means you will have to pay more if you have a claim. You need to have enough disposable savings in the event you need to pay the higher deductible in order to repair your vehicle.
Auto insurance premiums based on gender
The illustration below shows the difference between Ford Explorer Sport Trac insurance rates for male and female drivers. The prices are based on no claims or driving citations, full physical damage coverage, $1,000 deductibles, drivers are single, and no discounts are applied.
Everyone needs different car insurance coverages
When buying coverage for your personal vehicles, there really isn’t a “best” method to buy coverage. Your needs are unique to you so this has to be addressed.
For instance, these questions could help you determine whether or not you would benefit from an agent’s advice.
- What states are considered no-fault?
- Are rock chip repairs covered?
- Am I better off with higher deductibles on my Ford Explorer Sport Trac?
- At what point should I drop full coverage?
- Will filing a claim cost me more?
- If I use my vehicle for business use is it covered?
- Is my business laptop covered if it gets stolen from my vehicle?
- Do I really need UM/UIM coverage?
If it’s difficult to answer 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, simply complete this short form or click here for a list of car insurance companies in your area. It only takes a few minutes and can provide invaluable advice.
Independent or exclusive insurance agents
Certain consumers just want to get professional advice from a licensed agent. Professional insurance agents can help determine the best coverages and help file insurance claims. A good thing about comparing rates online is that you can obtain the best rates and still have an agent to talk to. And providing support for local insurance agents is important especially in San Diego.
Once you complete this quick form, the coverage information is emailed to participating agents in San Diego who can give free rate quotes for your insurance coverage. It simplifies rate comparisons since you won’t have to leave your computer due to the fact that quote results will go straight to your inbox. If you want to compare rates for a specific company, feel free to find their quoting web page and submit a quote form there.
If you prefer to buy car insurance from a reliable insurance agency, there are a couple of different types of agencies and how they differ in how they can insure your vehicles. Agents are either independent (non-exclusive) or exclusive. Both can write car insurance policies, but we need to point out how they are different since it may influence your selection of an agent.
Independent Agencies or Brokers
Independent insurance agents can quote rates with many companies so they can quote policies through many different car insurance companies and find you the best rates. If your premiums go up, they simply move the coverage in-house without you having to go to a different agency. When comparing car insurance rates, you need to get some free quotes from at least one independent agent to maximize your price options. Many write coverage with companies you’ve never heard of that may have much lower rates than larger companies.
The following are independent agents in San Diego that can possibly get you price quotes.
- Nationwide Insurance: Keith Jackson Insurance Agency Inc
1081 Camino del Rio S Ste 210 – San Diego, CA 92108 – (916) 742-6995 – View Map - Alcott Insurance
3945 Idaho St – San Diego, CA 92104 – (619) 293-3800 – View Map - Nationwide Insurance: Richard Turner Insurance Agency
3443 Camino del Rio S #221 – San Diego, CA 92108 – (619) 296-6222 – View Map
Exclusive Car Insurance Agents
Agents that choose to be exclusive write business for a single company and examples are Allstate, AAA, Farmers Insurance, and State Farm. They generally cannot provide other company’s prices so they have no alternatives for high prices. They are highly trained on the products they sell and that enables them to sell even at higher rates. Some people will only buy insurance from these agents partially due to the brand instead of buying on price only.
Listed below is a list of exclusive insurance agents in San Diego willing to provide comparison quotes.
- Mike Morrell – State Farm Insurance Agent
2207 Garnet Ave a – San Diego, CA 92109 – (858) 273-3001 – View Map - Matt Kalla – State Farm Insurance Agent
4148 Voltaire St – San Diego, CA 92107 – (619) 223-1629 – View Map - Mike Foley – State Farm Insurance Agent
5210 Balboa Ave, Ste A1 – San Diego, CA 92117 – (858) 277-1400 – View Map
Choosing the best car insurance agent is decision based upon more than just a low price. Ask your prospective agent these questions:
- Will the agent or a CSR service your policy?
- Do they make recommendations based only on price?
- Where would glass claims be handled in San Diego?
- Do they prorate repair cost based on vehicle mileage?
- Is every driver in your family covered?
- Is there any savings for paying the full premium?
- In the event of vehicle damage, can you pick the collision repair facility?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
After receiving good feedback in addition to an acceptable price estimate, it’s possible that you found an insurance agent that is reputable and can service your policy.