Are you at wits end from sacrificing to buy car insurance? You are no different than many other Texas consumers.

Discount Ford Explorer insuranceUnbelievable but true according to a study almost 70% of drivers kept their coverage with the same car insurance company for over three years, and about 40% of consumers have never quoted rates to find cheaper coverage. Consumers in Dallas could cut their rates by nearly $1,800 a year, but they don't invest the time required to compare rates.

Big companies like State Farm, Allstate, GEICO and Progressive persitently shower you with catchy ads and it can be hard to see through the cute green geckos and mayhem and do the work needed to find the best deal.

It's a good habit to compare rates as often as possible because rates change frequently. Even if you think you had the best rate on Ford Explorer insurance in Dallas on your last policy a different company probably has better prices today. Block out anything you think you know about car insurance because we're going to show you how to use the internet to lower your annual insurance bill.

These discounts can lower Ford Explorer insurance rates

Properly insuring your vehicles can get expensive, but you might already qualify for some discounts to help bring down the price. Many discounts should be triggered at the time you complete a quote, but some discounts are required to be asked for before you get the savings. If you aren't receiving every discount you qualify for, you are paying more than you should be.

It's important to understand that most credits do not apply to the whole policy. Some only reduce specific coverage prices like medical payments or collision. Just because it seems like it's possible to get free car insurance, companies don't profit that way.

A few of the larger companies and some of the discounts can be found below.

If you need low cost Dallas auto insurance quotes, ask all companies you are considering to give you their best rates. A few discounts might not be offered on policies in Dallas.

Compare Dallas Ford Explorer insurance price quotes

When price shopping your coverage, comparing a large number of companies helps improve the odds of finding a better price.

The companies in the list below are ready to provide free quotes in Dallas, TX. If your goal is to find the cheapest auto insurance in Dallas, we suggest you get rate quotes from several of them in order to find the cheapest rates.

Ford Explorer Insurance Cost Estimates in Dallas, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $142 $218 $366 $22 $110 $858 $72
Explorer Eddie Bauer 2WD $156 $264 $430 $26 $128 $1,004 $84
Explorer XLT 4WD $326 $502 $514 $30 $154 $1,526 $127
Explorer XLT AWD $256 $414 $366 $22 $110 $1,168 $97
Explorer Eddie Bauer 4WD $208 $332 $358 $22 $108 $1,028 $86
Explorer Eddie Bauer AWD $318 $560 $496 $30 $148 $1,552 $129
Explorer Limited 2WD $378 $496 $500 $30 $150 $1,554 $130
Explorer Limited 4WD $200 $306 $388 $24 $116 $1,034 $86
Explorer Limited AWD $288 $504 $366 $22 $110 $1,290 $108
Get Your Own Custom Quote Go

Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Table data does not factor in vehicle location which can affect auto insurance rates noticeably.

Physical damage deductible comparison

A question often asked by Dallas drivers is which deductibles should you choose. The comparison tables below may aid in understanding the rate difference between high and low coverage deductibles. The first rate estimation uses a $100 deductible and the second rate table uses a $500 deductible.

Ford Explorer insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $328 $486 $382 $22 $114 $1,357 $113
Explorer Eddie Bauer 2WD $328 $486 $382 $22 $114 $1,357 $113
Explorer XLT 4WD $328 $486 $382 $22 $114 $1,357 $113
Explorer XLT AWD $328 $486 $382 $22 $114 $1,357 $113
Explorer Eddie Bauer 4WD $370 $592 $382 $22 $114 $1,505 $125
Explorer Eddie Bauer AWD $370 $592 $382 $22 $114 $1,505 $125
Explorer Limited 2WD $370 $592 $382 $22 $114 $1,505 $125
Explorer Limited 4WD $370 $592 $382 $22 $114 $1,505 $125
Explorer Limited AWD $370 $592 $382 $22 $114 $1,505 $125
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 $240 $328 $382 $22 $114 $1,086 $91
Explorer Eddie Bauer 2WD $240 $328 $382 $22 $114 $1,086 $91
Explorer XLT 4WD $240 $328 $382 $22 $114 $1,086 $91
Explorer XLT AWD $240 $328 $382 $22 $114 $1,086 $91
Explorer Eddie Bauer 4WD $270 $400 $382 $22 $114 $1,188 $99
Explorer Eddie Bauer AWD $270 $400 $382 $22 $114 $1,188 $99
Explorer Limited 2WD $270 $400 $382 $22 $114 $1,188 $99
Explorer Limited 4WD $270 $400 $382 $22 $114 $1,188 $99
Explorer Limited AWD $270 $400 $382 $22 $114 $1,188 $99
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Estimates do not factor in specific zip code location which can raise or lower auto insurance rates significantly.

Based on the data above, we can derive that using a $100 deductible will cost you approximately $25 more each month or $300 for a full year than buying the higher $500 deductible. Since you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you have at a minimum 16 months between claims, you would probably come out ahead by selecting a higher deductible.

Raise deductibles and save

The information below shows how choosing a deductible and can influence Ford Explorer premium costs for different age categories. The rates are based on a single male driver, comp and collision included, and no discounts are taken into consideration.

The Ford Explorer Insurance Rate Equation

It's important that you understand some of the elements that help determine your insurance rates. If you know what positively or negatively impacts your premiums, this empowers consumers to make smart changes that may reward you with lower premium levels. Many different elements are part of the calculation when quoting car insurance. Most are fairly basic like your driving record, but other factors are less apparent such as your marital status or your commute time.

The itemized list below are some of the major factors used by companies to determine your rates.

Do you really need to file that claims? - If you file claims often, don't be surprised to see either policy cancellation or increased premiums. Car insurance companies in Texas give cheaper rates to policyholders that do not abuse their auto insurance. Auto insurance is intended to be relied upon for the bigger claims that can't be paid out-of-pocket.

Drive a fast car and pay more - The make and model of the car you need to insure makes a big difference in your rates. The best insurance prices are generally reserved for lower performance four cylinder passenger models, but other factors influence the final cost greatly. Since the Ford Explorer is classified as a standard SUV, rates will be slightly more when compared to the average rates in Dallas.

Marriage can lower rates - Being married helps lower the price compared to being single. Having a spouse generally demonstrates drivers are more mature and responsible and it's statistically proven that married drivers tend to file fewer claims.

How do annual miles impact costs? - Driving a lot of miles every year the higher your rate. Many insurance companies calculate prices based on how the vehicle is used. Vehicles that do not get driven very much get more affordable rates as compared to vehicles used primarily for driving to work. An incorrectly rated Explorer may be costing you higher rates. Verify your insurance policy states the correct usage for each vehicle, because improper ratings can cost you money.

Better prices with anti-theft devices - Owning a car with anti-theft technology or alarm system can help lower your premiums. Systems that thwart thieves like OnStar, LoJack tracking, and tamper alarms can help prevent car theft and help bring rates down.

Rental and towing coverage may not be needed - Insurance companies have many extra coverages you can purchase when buying insurance. Coverage for things like replacement cost coverage, better glass coverage, and term life insurance may be wasting your money. The coverages may be enticing when deciding what coverages you need, but now you might not need them so consider taking them off your policy.

Ford Explorer statistical loss data - Insurance companies analyze the history of losses to help determine rates. Vehicles that are shown to have a trend towards higher claim severity or frequency will cost more to insure. The next table shows the insurance loss data for Ford Explorer vehicles.

For each coverage category, the claim probability for all vehicles, regardless of make, model or trim level, equals 100. Values that are under 100 mean the vehicle has better than average losses, while values over 100 indicate a higher chance of having a claim or a tendency for losses to be larger than average.

Car Insurance Loss Data for Ford Explorer Models

Specific Ford 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

Data Source: (Insurance Institute for Highway Safety) for 2013-2015 Model Years

When to have guidance from a local insurance agent

Some consumers would prefer to go talk to an agent and that is OK! A nice benefit of getting free rate quotes online is that you can obtain cheap car insurance rates and still choose a local agent. Supporting local agencies is important particularly in Dallas.

Dallas insurance agentsBy using this simple form, your coverage information is immediately sent to local insurance agents who will give you bids and help you find cheaper coverage. You won't need to contact an agency as quotes are delivered immediately to you. You can find the lowest rates and an insurance agent to talk to. If you need to quote rates from a specific car insurance provider, you would need to search and find their rate quote page and give them your coverage information.

When finding a good Dallas insurance agent, it's important to understand the different types of agents that differ in how they can insure your vehicles. Car insurance agencies can either be exclusive or independent agents depending on their company appointments.

Independent Car Insurance Agencies or Brokers

These agents often have affiliation with several companies so they can write business amongst many companies and potentially find a lower price. If they find a cheaper price, the business is moved internally and you won't have to switch agencies. When searching for an agent, you definitely need to include multiple independent agents to maximize your price options.

The following is a list of independent insurance agents in Dallas who may be able to give you price quotes.

5400 E Mockingbird Ln #224 - Dallas, TX 75206 - (214) 843-0772 - View Map

11615 Forest Central Dr #103 - Dallas, TX 75243 - (214) 253-0570 - View Map

6300 Samuell Blvd #05 - Dallas, TX 75228 - (214) 275-8372 - View Map

View more Dallas agents

Exclusive Insurance Agencies

Exclusive agents can usually just insure with one company like Allstate, Farmers Insurance, State Farm, and AAA. Exclusive agents cannot compare other company's rates so you might not find the best rates. Exclusive agencies are trained well on the products they sell which aids in selling service over price.

The following are exclusive insurance agencies in Dallas that can give you comparison quotes.

10455 N Central Expy Ste 105 - Dallas, TX 75231 - (214) 987-2886 - View Map

9543 Losa Dr #111 - Dallas, TX 75218 - (214) 327-9315 - View Map

18217 Midway Rd #134 - Dallas, TX 75287 - (972) 735-9797 - View Map

View more Dallas agents

Choosing an car insurance agent should include more criteria than just a cheap price. Any agent in Dallas should have no problem answering these questions:

After you get positive feedback to any questions you may have as well as offering an affordable quote, it's possible that you found an insurance agency that is a good match to service your policy. Just be aware that you can always terminate coverage when you choose so never feel you are locked into any particular company for the full policy term.

Buying the right Explorer insurance in Texas is an important decision

Despite the high cost, maintaining insurance is required by state law in Texas and it also provides benefits you may not be aware of.

The benefits of buying enough insurance are without a doubt worth the cost, especially for larger claims. Today the average American driver is wasting up to $865 each year so you should quote your policy with other companies once a year at a minimum to save money.

A conclusion for your car insurance search

Some insurance providers do not provide rate quotes online and many times these regional insurance providers provide coverage only through independent agents. Cheaper car insurance in Dallas is available on the web in addition to local insurance agencies, and you should be comparing both so you have a total pricing picture.

We just covered many ways to lower your Ford Explorer insurance premium rates in Dallas. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your prices. You may even find the best price on car insurance is with a small mutual company. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as Progressive and GEICO.

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