Find Affordable Ford Explorer Insurance in Boston

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A recent insurance study revealed that the vast majority of insurance customers have remained with the same insurance company for well over three years, and practically 40% of insurance customers have never compared rate quotes at all. Massachusetts drivers could save an average of roughly $588 each year just by comparing rates, but they feel it's too difficult to compare rates and save money.

Insurance quote for Ford Explorer in BostonReally, the only way to get affordable auto insurance rates is to start doing a yearly price comparison from insurers in Boston. You can compare prices by completing these steps.

  • First, get an understanding of how insurance works and the measures you can take to prevent rate increases. Many risk factors that are responsible for high rates like distracted driving and your credit history can be controlled by improving your driving habits or financial responsibility. Keep reading for additional tips to prevent rate hikes and get bigger discounts that may have been overlooked.
  • Second, compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from one company like Progressive or Allstate, while independent agencies can give you price quotes for a wide range of companies.
  • Third, compare the new rate quotes to your current policy and determine if cheaper Explorer coverage is available. If you can save money and change companies, verify that coverage does not lapse between policies.
  • Fourth, tell your current company of your intention to cancel your current auto insurance policy. Submit a completed application and payment to the newly selected company. Once the application is submitted, keep your new proof of insurance paperwork with your registration paperwork.

An important part of this process is to use similar deductibles and liability limits on every quote request and and to get price quotes from as many companies as feasibly possible. Doing this enables the most accurate price comparison and plenty of rates choose from.

All the larger auto insurance companies like State Farm, Allstate and GEICO give prices for coverage online. Comparing Ford Explorer insurance rates online is pretty easy as all you need to do is type in your coverage information into the form. When the form is submitted, the system sends out for credit information and your driving record and returns a price based on the data you entered. Getting online rate quotes for Ford Explorer insurance in Boston makes it a lot easier to compare rates and it's necessary to have as many quotes as possible in order to get a better rate.

To save time and find out how much you can save on auto insurance, take a look at the companies shown below. To compare your current rates, we recommend you copy your coverages identical to your current policy. This makes sure you will be getting a fair comparison using the exact same coverages.

The following companies can provide free quotes in Massachusetts. If you want to find cheap car insurance in Boston, we suggest you visit two to three different companies to get the cheapest price.

Insurance coverage analysis

The coverage table shown next highlights different insurance premium costs for Ford Explorer models. Having a better understanding of how insurance quotes are established can help drivers make decisions on which insurance to purchase.

Ford Explorer Insurance Rates in Boston, MA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $124 $192 $320 $18 $96 $750 $63
Explorer Eddie Bauer 2WD $124 $192 $320 $18 $96 $750 $63
Explorer XLT 4WD $124 $192 $320 $18 $96 $750 $63
Explorer XLT AWD $124 $192 $320 $18 $96 $750 $63
Explorer Eddie Bauer 4WD $140 $232 $320 $18 $96 $806 $67
Explorer Eddie Bauer AWD $140 $232 $320 $18 $96 $806 $67
Explorer Limited 2WD $140 $232 $320 $18 $96 $806 $67
Explorer Limited 4WD $140 $232 $320 $18 $96 $806 $67
Explorer Limited AWD $140 $232 $320 $18 $96 $806 $67
Get Your Own Custom Quote Go

Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Table data does not factor in specific Boston garaging location which can decrease or increase coverage prices greatly.

Deductible comparison

When buying auto insurance, a common question is how high or low should comp and collision deductibles be. The comparison tables below may help you to understand the price difference of buying low and high insurance deductibles. The first table uses a $100 deductible for comp and collision and the second set of prices uses a $1,000 deductible.

Ford Explorer insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $288 $426 $334 $20 $100 $1,193 $99
Explorer Eddie Bauer 2WD $288 $426 $334 $20 $100 $1,193 $99
Explorer XLT 4WD $288 $426 $334 $20 $100 $1,193 $99
Explorer XLT AWD $288 $426 $334 $20 $100 $1,193 $99
Explorer Eddie Bauer 4WD $324 $520 $334 $20 $100 $1,323 $110
Explorer Eddie Bauer AWD $324 $520 $334 $20 $100 $1,323 $110
Explorer Limited 2WD $324 $520 $334 $20 $100 $1,323 $110
Explorer Limited 4WD $324 $520 $334 $20 $100 $1,323 $110
Explorer Limited AWD $324 $520 $334 $20 $100 $1,323 $110
Get Your Own Custom Quote Go
Ford Explorer insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $160 $224 $334 $20 $100 $838 $70
Explorer Eddie Bauer 2WD $160 $224 $334 $20 $100 $838 $70
Explorer XLT 4WD $160 $224 $334 $20 $100 $838 $70
Explorer XLT AWD $160 $224 $334 $20 $100 $838 $70
Explorer Eddie Bauer 4WD $180 $274 $334 $20 $100 $908 $76
Explorer Eddie Bauer AWD $180 $274 $334 $20 $100 $908 $76
Explorer Limited 2WD $180 $274 $334 $20 $100 $908 $76
Explorer Limited 4WD $180 $274 $334 $20 $100 $908 $76
Explorer Limited AWD $180 $274 $334 $20 $100 $908 $76
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Table data does not factor in vehicle location which can increase or decrease coverage rates noticeably.

Based on these figures, using a $100 deductible will cost you roughly $32 more each month or $384 for a full year than quoting the higher $1,000 deductible. Since you would have to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you usually have more than 28 months between claim filings, you would most likely save money if you opt for a higher deductible.

How much more does full coverage cost in Boston?

The illustration below illustrates the comparison of Ford Explorer car insurance rates with liability coverage only compared to full coverage. The rates are based on no accidents, no driving violations, $100 deductibles, marital status is single, and no discounts are taken into consideration.

When to stop buying physical damage coverage

There is no clear-cut formula to eliminate full coverage on your policy, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.

For example, let's assume your Ford Explorer replacement cost is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $8,000 after you pay the deductible. If you are paying in excess of $800 a year for full coverage, then it might be time to buy liability only.

There are some conditions where removing full coverage is not a good idea. If you have an outstanding loan on your vehicle, you are required to maintain full coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not opt for liability only.

Are auto insurance agents obsolete?

Some people just prefer to buy from a licensed agent and that can be a great decision Licensed agents can help determine the best coverages and help you file claims. A good thing about getting free rate quotes online is the fact that drivers can get lower rates but also keep your business local. And supporting local insurance agencies is still important in Boston.

Insurance agents in BostonOnce you complete this quick form, your information is sent to companies in Boston who will return price quotes for your insurance coverage. You won't need to contact any insurance agencies due to the fact that quote results will go to you. If you want to get a comparison quote for a specific company, you just need to visit that company's website and fill out the quote form the provide.

Exclusive and independent Boston auto insurance agents

If you want to use a reliable insurance agency, it's important to understand the types of agencies and how they differ in how they can insure your vehicles. Agents are categorized either independent or exclusive depending on the company they work for. Either can sell and service insurance coverage, but it's good to learn how they differ since it can affect which type of agent you select.

Independent Agents (or Brokers)

Independent insurance agents do not write with just one company and that gives them the ability to insure through lots of different companies enabling the ability to shop coverage around. If they find a cheaper price, they simply move your policy to a different company and you don't have to switch agencies.

When comparing rate quotes, you definitely need to get rate quotes from a couple of independent agencies to have the most options to choose from.

Featured below are independent agents in Boston who may be able to give you price quotes.

506 Main St - Medford, MA 02155 - (781) 391-7100 - View Map

120 Middlesex Ave - Somerville, MA 02145 - (617) 666-0222 - View Map

Sbhu Life Insurance Agency: Weinstein Keith
28 State St # 25 - Boston, MA 02109 - (617) 570-9519 - View Map

More Boston agents

Exclusive Insurance Agencies

Exclusive agents can only write with one company and examples are State Farm, AAA, Farmers Insurance or Allstate. They generally cannot compare other company's rates so keep that in mind. These agents are well schooled on their products and sales techniques which aids in selling service over price.

Below are Boston exclusive insurance agents that can give you rate quotes.

571 Dudley St Ste A - Boston, MA 02125 - (617) 442-9490 - View Map

125 High St - Boston, MA 02110 - (617) 443-9300 - View Map

More Boston agents

Choosing an car insurance agent requires you to look at more than just the price. Here are some questions you might want to ask.

  • What are their preferred companies if they are an independent agency?
  • Are they properly licensed to sell insurance in Massachusetts?
  • When do they do policy reviews?
  • Is there a Errors and Omissions policy in force?
  • How experienced are they in personal risk management?
  • Will the quote change when the policy is issued?
  • In the event of vehicle damage, can you pick the collision repair facility?
  • What insurance companies do they work with in Boston?