Ford Explorer Insurance Quotes in Las Vegas

Discount Ford Explorer insuranceSad but true, most consumers have stayed with the same insurance company for over three years, and almost half have never quoted rates to find lower-cost coverage. Nevada insurance shoppers could cut their rates by roughly $545 a year by just comparing quotes, but they just don’t understand the rate savings if they bought a different policy.

If saving money is your primary concern, then the best way to save on Ford Explorer insurance is to do a yearly price comparison from companies who sell auto insurance in Las Vegas. This can be done by following these guidelines.

One thing to point out is to try to compare the same amount of coverage on each price quote and and to look at as many auto insurance providers as possible. Doing this enables a fair rate comparison and a good representation of prices.

Buying affordable car insurance in Las Vegas is quite easy. If you currently have car insurance, you will most likely be able to find better prices using these techniques. Nevertheless, Nevada consumers must learn the methods companies use to calculate their prices because rates fluctuate considerably.

When quoting auto insurance, remember that quoting more will enable you to find better pricing.

The companies shown below provide quotes in Nevada. If your goal is to find cheaper car insurance in Las Vegas, we recommend you compare several of them to get the cheapest price.

Facts and figures for Ford Explorer insurance

The price information shown next covers different coverage costs for Ford Explorer models. Being able to understand how rates are established is important for drivers to make decisions on which coverage to buy.

Ford Explorer Insurance Rates in Las Vegas, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $166 $260 $348 $20 $104 $898 $75
Explorer Eddie Bauer 2WD $166 $260 $348 $20 $104 $898 $75
Explorer XLT 4WD $166 $260 $348 $20 $104 $898 $75
Explorer XLT AWD $166 $260 $348 $20 $104 $898 $75
Explorer Eddie Bauer 4WD $188 $318 $348 $20 $104 $978 $82
Explorer Eddie Bauer AWD $188 $318 $348 $20 $104 $978 $82
Explorer Limited 2WD $188 $318 $348 $20 $104 $978 $82
Explorer Limited 4WD $188 $318 $348 $20 $104 $978 $82
Explorer Limited AWD $188 $318 $348 $20 $104 $978 $82
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Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Premium amounts do not factor in specific garaging location which can alter rates greatly.

Car insurance premiums based on gender

The diagram below illustrates the difference between Ford Explorer auto insurance rates for male and female drivers. The premium estimates are based on no claims or violations, comprehensive and collision coverage, $100 deductibles, drivers are single, and no additional discounts are factored in.

Price comparison of only insuring for liability

The illustration below visualizes the comparison of Ford Explorer insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data assumes no accidents, no driving violations, $500 deductibles, drivers are single, and no other discounts are factored in.

Deciding between full coverage and liability only

There is no definitive formula of when to stop paying for full coverage, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than around 10% of the settlement you would receive from your company, then you might consider buying liability only.

For example, let’s say your Ford Explorer replacement value is $6,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $5,000 after the deductible is paid. If it’s costing you more than $500 annually for your policy with full coverage, then you may want to consider only buying liability coverage.

There are a few cases where removing full coverage is not advised. If you still have a loan on your vehicle, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not consider dropping full coverage.

Auto insurance discounts help lower rates for Ford Explorer insurance in Las Vegas

Some companies don’t list the complete list of policy discounts very clearly, so the following list contains some of the best known and also the more inconspicuous credits available to bring down your rates.Auto insurance discounts

Remember that most of the big mark downs will not be given to your bottom line cost. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because you may think you could get a free auto insurance policy, nobody gets a free ride.

The chart below shows the difference between Ford Explorer car insurance costs with and without policy discounts. The data is based on a male driver, no driving violations, no at-fault accidents, Nevada state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, marriage, claim-free, safe-driver, and homeowner discounts applied.

Some of the insurance companies that may offer these discounts possibly include:

Before you buy a policy, ask every insurance company which credits you are entitled to. Some credits may not apply in your area. If you would like to see a list of companies who offer free Ford Explorer insurance quotes in Las Vegas, click here.

Auto insurance just makes sense

Even though it’s not necessarily cheap to insure a Ford in Las Vegas, insurance is mandatory in Nevada but it also protects more than you think.

The benefits of carrying enough insurance are without a doubt worth the cost, particularly for liability claims. According to a survey of 1,000 drivers, the average driver is wasting up to $750 every year so it’s very important to do a rate comparison each time the policy renews to make sure the price is not too high.

Las Vegas car insurance companies ranked

Selecting the top car insurance provider is difficult considering how many different companies sell coverage in Nevada. The ranking data listed below could help you pick which companies you want to consider when comparing rate quotes.

Top Car Insurance Companies in Las Vegas
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
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Data Source: Best Car Insurance Companies

What is the best insurance coverage?

When choosing coverage, there is no cookie cutter policy. Everyone’s needs are different so your insurance needs to address that.Higher deductibles save money
These are some specific questions might point out if your situation may require specific advice.

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

When to get advice from an insurance agency

Many drivers just prefer to buy from a licensed agent and there is nothing wrong with that. One of the great benefits of getting free rate quotes online is that drivers can save money and get the lowest rates and still choose a local agent.

After completing this short form, the coverage information is transmitted to local insurance agents who want to provide quotes for your coverage. You don’t have to find an agent as quotes are delivered to you. You’ll get the best rates and a licensed agent to talk to. In the event you want to get a rate quote from a specific company, you can always find their quoting web page and submit a quote form there.

Picking a insurance company requires more thought than just the price. Any agent in Las Vegas should be forthright in answering these questions:

If you want to use a reputable insurance agent or broker, it’s helpful to know the different agency structures and how they function. Agents in Las Vegas can be categorized as either exclusive or independent.

Exclusive Agents

Agents in the exclusive channel are contracted to one company such as AAA, Allstate, State Farm, or Farmers Insurance. They generally cannot place coverage with different providers so always compare other rates. Exclusive insurance agents receive a lot of sales training on their company’s products which helps overcome the inability to quote other rates.

Shown below are exclusive insurance agencies in Las Vegas that are able to give price quote information.

11700 W Charleston Blvd #175Las Vegas, NV 89135(702) 870-3663View Map

4045 Spencer St #114Las Vegas, NV 89119(702) 735-0926View Map

Ste B3, 3220 S Durango DrLas Vegas, NV 89117(702) 901-8787View Map

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Independent Insurance Agents

Agents that elect to be independent can sell policies from many different companies so as a result can place your coverage through many companies and find you cheaper rates. If your premiums go up, your policy is moved internally without you having to go to a different agency.

When comparing rates, you need to include a few independent agents for the best price selection.

Listed below is a short list of independent insurance agents in Las Vegas willing to provide rate quotes.

9960 W Cheyenne Ave #240Las Vegas, NV 89129(702) 965-3680View Map

US Bank Financial Center, 2300 West Sahara Avenue, Suite 800Las Vegas, NV 89102(702) 996-6434View Map

1958 Village Center Cir #5Las Vegas, NV 89134(702) 733-0330View Map

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