Do you want to save money by finding the cheapest Ford Explorer Sport Trac insurance in Boston? Did a good deal turn out to be an under-performing, overpriced auto insurance policy? Say no more because there are many Boston consumers feeling the pinch from expensive auto insurance.
Regrettably, the vast majority of consumers kept their coverage with the same auto insurance company for well over three years, and 38% of drivers have never compared quotes from other companies. Massachusetts insurance shoppers could pocket $590 a year just by comparing rates, but most tend to underestimate how much money they would save if they changed companies.
Steps to finding low-cost rates for Ford Explorer Sport Trac insurance in Boston
Truthfully, the best way to get more affordable car insurance rates is to compare prices regularly from insurers in Boston. Drivers can shop around by following these steps.
Step 1: Get an understanding of how insurance works and the things you can control to lower rates. Many risk factors that cause rate increases like traffic violations, accidents, and a bad credit score can be amended by making minor changes in your lifestyle. This article provides more information to prevent expensive rate increases and find additional discounts you may qualify for.
Step 2: Get rate quotes from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like GEICO or Farmers Insurance, while independent agents can provide price quotes for many different companies.
Step 3: Compare the new quotes to your existing rates to see if cheaper Explorer Sport Trac coverage is available. If you find better rates, verify that coverage does not lapse between policies.
Step 4: Notify your agent or company to cancel your current car insurance policy. Submit the signed application along with the required initial payment to the new company. Don’t forget to keep the new certificate verifying proof of insurance above your visor, in the console, or in the glove compartment.
An essential thing to point out is that you’ll want to make sure you compare the same liability limits and deductibles on each quote request and and to get rate quotes from as many car insurance companies as possible. Doing this guarantees the most accurate price comparison and a thorough price selection.
Consumers have many car insurance companies to insure vehicles with, and though it is a good thing to have multiple companies, more options can take longer to find a good deal for Ford Explorer Sport Trac insurance in Boston.
It’s a good idea to compare prices once or twice a year because auto insurance rates fluctuate regularly. Despite the fact that you may have had the best rate on Ford Explorer Sport Trac insurance in Boston a couple years back there is a good chance you can find better prices now. Block out anything you think you know about auto insurance because you’re about to learn how to use online quotes to properly buy coverages while reducing your premium.
When looking for inexpensive Boston car insurance quotes, there are a couple ways of comparing rate quotes from companies that offer car insurance in Massachusetts. By far the easiest way to do a complete rate comparison is simply to get online rate quotes.
It’s so fast and easy to compare rate quotes online that it replaces the need to spend your day driving to and from local insurance agencies. Doing it all online makes this unnecessary unless you want the professional advice of an agent trained in personal lines coverage. If you prefer, some companies allow you to find lower rates online but buy from a local insurance agent.
When comparing car insurance rates, know that getting more free quotes gives you a better chance of getting the best price.
The providers in the list below are our best choices to provide price comparisons in Massachusetts. If you want to find cheap auto insurance in Massachusetts, it’s highly recommended you visit two to three different companies in order to find the most affordable rates.
These discounts can lower Ford Explorer Sport Trac insurance rates
Insurance can cost an arm and a leg, but you might be missing out on some discounts that can drop the cost substantially. A few discounts will be applied at quote time, but less common discounts must be requested specifically before you get the savings. If you are not receiving all the discounts you deserve, you could be getting lower rates.
- Accident-Free Discounts – Insureds who avoid accidents and claims get the best car insurance rates in comparison to drivers with a long claim history.
- Professional Organizations – Being in qualifying employment or professional organizations could earn you a nice discount on your next renewal.
- Accident Forgiveness – Not necessarily a discount, but certain companies will turn a blind eye to one accident without the usual rate increase if you are claim-free for a specific time period.
- Pay Now and Pay Less – If you can afford to pay the entire bill rather than spreading payments over time you may have a lower total premium amount.
- Passive Restraints – Options like air bags or automatic seat belts may earn rate discounts of up to 25% or more.
As a footnote on discounts, some of the credits will not apply to all coverage premiums. Most only reduce the cost of specific coverages such as liability and collision coverage. So even though they make it sound like you would end up receiving a 100% discount, that’s just not realistic. Any amount of discount will lower your policy cost.
The illustration below illustrates the comparison of Ford Explorer Sport Trac yearly insurance costs with and without discounts applied to the policy premium. The rates are based on a female driver, no accidents, no driving violations, Massachusetts state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, claim-free, multi-policy, safe-driver, multi-car, and marriage discounts applied.
Car insurance companies that possibly offer these benefits include:
Before you buy a policy, ask all companies you are considering how many discounts you can get. Depending on the company, some discounts might not be available to policyholders everywhere. To find insurers that offer the discounts shown above in Massachusetts, click here.
Rate information and statistics
The premium table shown next highlights estimates of insurance prices for Ford Explorer Sport Trac models. Learning as much as possible about how policy premiums are calculated can be of help when making smart choices when purchasing an insurance policy.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Explorer Sport Trac XLT 2WD||$228||$392||$344||$20||$104||$1,088||$91|
|Explorer Sport Trac Limited 2WD||$262||$392||$344||$20||$104||$1,122||$94|
|Explorer Sport Trac XLT 4WD||$262||$392||$344||$20||$104||$1,122||$94|
|Explorer Sport Trac Limited 4WD||$296||$478||$344||$20||$104||$1,242||$104|
|Explorer Sport Trac Limited AWD||$296||$478||$344||$20||$104||$1,242||$104|
|Get Your Own Custom Quote Go|
Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Massachusetts minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Rates do not factor in your specific Boston location which can change rates noticeably.
Physical damage deductibles
One of the hardest decisions when shopping for car insurance is which deductible level should you buy. The figures shown below help summarize the price difference when you buy lower versus higher insurance deductibles. The first table uses a $250 comprehensive and collision deductible and the second price chart uses a $1,000 deductible.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Explorer Sport Trac XLT 2WD||$224||$358||$334||$20||$100||$1,061||$88|
|Explorer Sport Trac Limited 2WD||$258||$358||$334||$20||$100||$1,095||$91|
|Explorer Sport Trac XLT 4WD||$258||$358||$334||$20||$100||$1,095||$91|
|Explorer Sport Trac Limited 4WD||$292||$436||$334||$20||$100||$1,207||$101|
|Explorer Sport Trac Limited AWD||$292||$436||$334||$20||$100||$1,207||$101|
|Get Your Own Custom Quote Go|
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Explorer Sport Trac XLT 2WD||$140||$224||$334||$20||$100||$818||$68|
|Explorer Sport Trac Limited 2WD||$160||$224||$334||$20||$100||$838||$70|
|Explorer Sport Trac XLT 4WD||$160||$224||$334||$20||$100||$838||$70|
|Explorer Sport Trac Limited 4WD||$180||$274||$334||$20||$100||$908||$76|
|Explorer Sport Trac Limited AWD||$180||$274||$334||$20||$100||$908||$76|
|Get Your Own Custom Quote Go|
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Premium costs do not factor in specific zip code location which can increase or decrease rates significantly.
Based on the figures above, using a $250 deductible costs about $22 more each month or $264 each year than choosing the higher $1,000 deductible. Because you would be required to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have at least 34 months between claim filings, you would save money if you choose a higher deductible.
How to determine when to raise your deductibles
|Average monthly premium for $250 deductibles:||$94|
|Average monthly premium for $1,000 deductibles (subtract):||– $72|
|Monthly savings from raising deductible:||$22|
|Difference between deductibles ($1,000 – $250):||$750|
|Divide difference by monthly savings:||$750 / $22|
|Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible||34 months|
Annual premiums for males versus females
The information below visualizes the comparison of Ford Explorer Sport Trac car insurance costs for male and female drivers. The rate quotes are based on no accidents or driving violations, full coverage, $1,000 deductibles, single marital status, and no discounts are factored in.
Do I need an agent?
Some consumers would prefer to talk to a local agent and that is just fine! One of the great benefits of price shopping on the web is the fact that drivers can get lower rates and still choose a local agent.
For easy comparison, once you complete this form (opens in new window), your information is instantly submitted to participating agents in Boston who will give you quotes and help you find cheaper coverage. You won’t even need to contact any agents because prices are sent to your email. You can find the lowest rates without a big time investment. In the event you want to compare prices for a specific company, just jump over to their website and fill out the quote form the provide.
Picking an company shouldn’t rely on just the premium amount. A good agent in Boston will have answers to these questions.
- Do they specialize in personal lines auto insurance in Boston?
- Do they have designations such as AIC, CPCU, or CIC?
- Do they offer claims assistance after hours?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Is the agent and/or agency licensed to do business in Massachusetts?
- Do they get extra compensation for selling add-on coverages?
- Do they make recommendations based only on price?
- Which insurance company do they prefer to write with?
Insurance agent types
If you are wanting to purchase insurance from a local agent, there are a couple of different agency structures from which to choose. Insurance agents in Boston may be either independent or exclusive depending on the company they work for.
Exclusive Insurance Agents
Agents that elect to be exclusive generally can only insure with one company such as Allstate and State Farm. Exclusive agents are unable to compare rates from other companies so they have no alternatives for high prices. Exclusive insurance agents are well schooled on their products and sales techniques and that can be a competitive advantage.
The following are exclusive agents in Boston that can give you comparison quotes.
Independent Agents (or Brokers)
These agents do not sell for just one brand so they can insure your vehicles with a variety of different insurance companies depending on which coverage is best. If premiums increase, the business is moved internally and you don’t have to find a new agent.
When comparing rates, it’s recommended you include price quotes from multiple independent agents to get the most accurate price comparison.
The following are Boston independent insurance agents who can help you get price quotes.
452 Bennington St – Boston, MA 02128 – (617) 567-1100 – View Map
After talking to the agent and getting satisfactory answers to these questions and an affordable coverage quote, it’s a good possibility that you have found a car insurance agent that can be relied on to provide insurance coverage. Keep in mind once you purchase a policy you can cancel your policy whenever you want so don’t assume that you are obligated to any specific company for any length of time.
How to know if you need help
When quoting and comparing adequate coverage, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s.
These are some specific questions may help highlight whether you would benefit from an agent’s advice.
- What is UM/UIM insurance?
- When should I have rental car coverage?
- Who sells insurance for high-risk drivers?
- When does my teenage driver need to be added to my policy?
- Do I need replacement cost coverage on my Ford Explorer Sport Trac?
- How long can I keep a teen driver on my policy?
- I don’t drive much so do I pay less?
If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form.
Smart Consumers Can Cut Their Insurance Rates
Consumers need to have an understanding of some of the elements that come into play when calculating the price you pay for insurance. If you understand what impacts premium levels, this enables you to make decisions that could help you find better insurance rates. Many different elements are part of the equation when premium rates are determined. Some are obvious such as traffic violations, but some are less apparent like your continuous coverage or your commute time.
The factors shown below are some of the factors used by companies to determine your rates.
Physical damage deductibles – Physical damage deductibles are how much you are willing to pay out-of-pocket if you file a covered claim. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some instances where coverage would apply would be a windshield broken by a bird, vandalism, and damage caused by road hazards. The larger the amount you’re willing to pay, the lower your rates will be.
Type of vehicle determines base prices – The type of car or truck you need insurance for makes a substantial difference in your rates. The best insurance prices are usually for economy passenger models, but the final cost of insurance is determined by many other factors.
The chart below assumes a married male driver age 20, full coverage with $250 deductibles, and no discounts or violations. The chart compares Ford Explorer Sport Trac insurance rates compared to other vehicles that have different performances.
Filing claims can cost you more – Companies in Massachusetts award lower rates to insureds who do not file claims often. If you file a lot of claims you can definitely plan on either a policy non-renewal or much higher rates. Insurance coverage is meant to be used in the event of larger claims.
Drivers with high credit save on insurance – A driver’s credit rating can be a huge factor in determining your rates. Insureds that have very good credit scores tend to be more responsible and file fewer claims than drivers who have poor credit. If your credit history leaves room for improvement, you may save money insuring your Ford Explorer Sport Trac by repairing your credit.
Annual mileage and car insurance costs – The higher the mileage driven in a year the more it will cost to insure it. Most companies rate vehicles based on their usage. Vehicles that have low annual miles receive lower rates than those used for commuting. It’s a smart idea to ensure your insurance policy states how each vehicle is driven. Having an incorrect usage rating on your Explorer Sport Trac may be costing you.
Do you really need the incidental coverages? – Policies have additional extra coverages that you can get tricked into buying if you aren’t diligent. Add-on coverages like personal injury protection, towing coverage, and extra life insurance coverage may be costing you every month. These coverages may sound good when you first buy your policy, but if you don’t need them remove them and pocket the money.
Teen driver insurance prices – Teen drivers in Massachusetts have a tendency to be easily distracted when behind the wheel so insurance rates are higher. Adding a young driver onto your insurance can really hurt. More experienced drivers are shown to be more cautious, file fewer claims, and are safer drivers.
The following data uses these variables: single driver, full coverage with $250 deductibles, and no discounts or violations.
Protect yourself with liability – Liability insurance is the coverage that protects you if ever you are ruled to be at fault for causing damage or personal injury in an accident. Liability insurance provides you with a defense in court starting from day one. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
Why you need to buy car insurance
Despite the high cost of buying insurance for a Ford Explorer Sport Trac in Boston, maintaining insurance is not optional due to several reasons.
First, most states have compulsory liability insurance requirements which means the state requires a minimum amount of liability coverage if you want to drive legally. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you bought your Explorer Sport Trac with a loan, most lenders will force you to have full coverage to ensure loan repayment if the vehicle is totaled. If the policy lapses, the lender will be forced to insure your Ford at an extremely high rate and require you to fork over the higher premium.
Third, car insurance preserves both your assets and your car. It will also pay for hospital and medical expenses for yourself as well as anyone injured by you. Liability insurance, one of your policy coverages, will also pay attorney fees if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.
The benefits of insuring your car definitely exceed the cost, especially when you need to use it. The average driver in Massachusetts overpays more than $825 a year so compare quotes from several companies once a year at a minimum to ensure rates are competitive.
What is the best auto insurance company in Massachusetts?
Buying coverage from the top company is difficult considering how many companies provide coverage in Boston. The information in the next section may help you select which car insurance providers to look at purchasing coverage from.
Top 10 Boston Car Insurance Companies Overall
- The General
- Mercury Insurance
- Titan Insurance
- The Hartford
- State Farm
- Farmers Insurance
- Safeco Insurance
Quote more to save more
In this article, we presented many ways to lower your Ford Explorer Sport Trac insurance prices in Boston. The most important thing to understand is the more you quote Boston car insurance, the better your chances of lowering your rates. Consumers may even find the lowest prices are with the least-expected company.
Cost effective Ford Explorer Sport Trac insurance is definitely available from both online companies and from local insurance agents, so you need to shop Boston car insurance with both to have the best chance of lowering rates. Some companies don’t offer rate quotes online and usually these small insurance companies sell through independent agencies.
Drivers switch companies for many reasons like extreme rates for teen drivers, questionable increases in premium, high prices or delays in paying claims. It doesn’t matter what your reason, finding a great new company is less work than it seems.
How to quote cheaper Ford Explorer Sport Trac insurance in Boston
If your goal is the lowest price, then the best way to get low-cost Ford Explorer Sport Trac insurance is to make a habit of regularly comparing prices from providers in Boston. Prices can be compared by completing these steps.
- Learn about policy coverages and the modifications you can make to lower rates. Many things that result in higher rates like inattentive driving and poor credit history can be amended by being financially responsible and driving safely.
- Obtain price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only provide price estimates from one company like Progressive and State Farm, while independent agencies can give you price quotes from many different companies. Begin your rate comparison
- Compare the new rates to the price on your current policy to see if cheaper Explorer Sport Trac coverage is available. If you find a lower rate quote, ensure there is no coverage lapse between policies.
- Tell your current agent or company of your intent to cancel your current car insurance policy and submit the application along with any required down payment to the newly selected company. Once the application is submitted, keep the new certificate verifying coverage in an accessible location in your vehicle.
One piece of advice is to make sure you’re comparing the same physical damage deductibles and liability limits on every quote and and to compare as many companies as feasibly possible. This provides an accurate price comparison and the best price selection.
To learn more, take a look at the following helpful articles:
- Get the Right Protection (InsureUonline.org)
- Who Has Affordable Car Insurance Quotes for a Jeep Grand Cherokee in Boston? (FAQ)
- What Car Insurance is Cheapest for Real Estate Agents in Boston? (FAQ)
- Who Has the Cheapest Boston Car Insurance Rates for a Learners Permit? (FAQ)
- Who Has the Cheapest Auto Insurance for Hybrid Vehicles in Boston? (FAQ)
- Who Has Cheap Boston Auto Insurance for Lyft Drivers? (FAQ)
- Collision Coverage (Liberty Mutual)
- Can I Drive Legally without Insurance? (Insurance Information Institute)