Buying cheaper auto insurance for a Ford Explorer in Massachusetts doesn’t take a lot of effort, but it hinges on many different factors such as how far you commute, where you live, and blemishes on your driving record. Drivers in Massachusetts will pay on average $1,002 each year for Explorer insurance, but that cost is an estimation calculated using a 30-year-old single female driver with full coverage and $1,000 deductibles.
When making auto insurance estimates, the issue arises that you are not 30 years old and maybe not even female, you might be married instead of single, and maybe you want different deductibles. Having even a minor difference in rating variables can result in a massive change in the price of coverage.
Auto insurance requires individual risk assessment, so the way we recommend to find the cheapest coverage for your Ford is to do the rate comparisons yourself. Compare rate quotes now and you will receive prices from the best companies that offer coverage in Massachusetts.
Your vehicle’s trim level impacts the cost of insurance, so the cost to insure a Explorer XLT 2WD trim level will be $82 less than the insurance cost for the more well-appointed Explorer Limited AWD model, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Explorer XLT 2WD||$178||$276||$452||$26||$136||$1,068||$89|
|Explorer Eddie Bauer 2WD||$178||$276||$452||$26||$136||$1,068||$89|
|Explorer XLT 4WD||$178||$276||$452||$26||$136||$1,068||$89|
|Explorer XLT AWD||$178||$276||$452||$26||$136||$1,068||$89|
|Explorer Eddie Bauer 4WD||$200||$336||$452||$26||$136||$1,150||$96|
|Explorer Eddie Bauer AWD||$200||$336||$452||$26||$136||$1,150||$96|
|Explorer Limited 2WD||$200||$336||$452||$26||$136||$1,150||$96|
|Explorer Limited 4WD||$200||$336||$452||$26||$136||$1,150||$96|
|Explorer Limited AWD||$200||$336||$452||$26||$136||$1,150||$96|
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Rates do not factor in Boston location which can increase or decrease rates substantially.
Figuring out which companies have the most affordable auto insurance rates for a Ford Explorer involves a little more effort in order to find the most economical policy.
Each auto insurance company uses a different method to determine premium rates, so to begin we’ll rank the lowest cost auto insurance companies in Boston, MA. It’s a good idea to be aware that Boston, MA auto insurance rates are determined by lots of factors which can significantly increase or decrease the price you have to pay. Simply having a birthday, buying a new vehicle, or getting a ticket for careless driving may cause policy rate changes that can now make some companies more affordable than before.
Lowest Insurance Price Quotes for Your Explorer
|Rank||Company||Cost Per Year|
|2||National Grange Mutual||$831|
|8||Norfolk and Dedham||$1,036|
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State Farm quotes some of the lowest car insurance rates in Boston at around $733 a year. This is $502 less than the average rate paid by Massachusetts drivers of $1,235. National Grange Mutual, GEICO, Commerce Group, and OneBeacon are also some of the cheapest Boston, MA insurance companies.
As shown above, if you buy coverage from OneBeacon and switched to National Grange Mutual, you may realize a yearly price reduction of upwards of $81. Insureds with Progressive might save as much as $168 a year, and Arbella insureds might lower prices by up to $169 a year.
To see how much you can save, click here to get quotes or click through to the companies below.
These rates are averages for all drivers and vehicles and and are not calculated with a specific vehicle garaging location for a Ford Explorer. So the company that is best for you may not even be in the top 21 companies in the list above. That helps illustrate why you need to compare as many prices as possible using your own driver information and specific vehicle type.
Bad driving habits will cost you more
The ideal way to snag affordable auto insurance premiums in Boston for an Explorer is to be an attentive driver and not get tickets or have accidents. The chart below shows how speeding tickets and accidents raise insurance rates for different age categories. The data is based on a married female driver, comp and collision included, $500 deductibles, and no policy discounts are applied.
In the example above, the average cost of auto insurance in Boston per year with no accidents or violations is $1,349. Add in one speeding ticket and the average cost rises to $1,572, an increase of $223 each year. Now throw in one accident along with the one speeding ticket and the 12-month cost of auto insurance for a Ford Explorer increases to an average of $2,184. That’s an increase of $836, or $70 per month, just for not keeping your driving record clean!
Types of discounts on Boston car insurance
Insurance providers that provide coverage for a Ford Explorer may additionally offer premium discounts that can lower rates by as much as 25% or more if you meet specific eligibility requirements. A few of the larger companies and a partial list of their discounts can be found below.
- State Farm offers discounts for accident-free, multiple policy, anti-theft, Drive Safe & Save, and defensive driving training.
- Progressive offers discounts including homeowner, multi-vehicle, multi-policy, online quote discount, good student, continuous coverage, and online signing.
- Progressive discounts include online signing, continuous coverage, multi-policy, multi-vehicle, good student, homeowner, and online quote discount.
- MetLife has discounts for defensive driver, claim-free, good driver, multi-policy, and good student.
- Farm Bureau may offer discounts for driver training, multi-vehicle, renewal discount, 55 and retired, and safe driver.
- GEICO has savings for multi-vehicle, air bags, membership and employees, five-year accident-free, seat belt use, daytime running lights, and anti-theft.
- SAFECO may have discounts that include safe driver, drive less, multi-car, homeowner, teen safety rewards, and teen safe driver.
The information below illustrates the comparison of yearly insurance costs with and without discounts being applied to the rates. The premiums are based on a male driver, no claims or driving violations, Massachusetts state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with safe-driver, accident-free, marriage, anti-theft, claim-free, and vehicle safety discounts applied. When drivers qualify for the discounts, theaverage yearly reduction on auto insurance for a Ford Explorer is 28% or $437.
The diagram below demonstrates how deductible levels can change insurance rates when getting quotes for cheap insurance for a Ford Explorer. The costs are based on a married male driver, full coverage, and no additional discounts are factored in.
The chart above illustrates that a 30-year-old driver could lower rates by $268 a year by changing from a $100 deductible to a $500 deductible, or save $410 by choosing a $1,000 deductible. Even younger drivers, such as the Age 20 example, could shave $800 every year by selecting a higher deductible.
If you make the decision to raise deductibles, it is necessary to have enough savings to offset the extra out-of-pocket expense, which is the one shortcoming of high deductibles.