Cheap Insurance for a Ford Explorer Sport Trac in Riverside

Inconceivable but true, most consumers in California kept their policy with the same company for over three years, and nearly the majority have never compared rates from other carriers. Many drivers in America could save $859 every year, but they just don’t want to compare rates and save money.

Discount Ford Explorer Sport Trac insuranceIt takes a few minutes, but the best way to find affordable auto insurance rates in Riverside is to do a yearly price comparison from companies in California. Rate comparisons can be done by following these guidelines.

Step 1: Spend some time learning about how companies price auto insurance and the things you can control to lower rates. Many rating criteria that cause high rates like traffic tickets, fender benders, and an unacceptable credit score can be remedied by making minor driving habit or lifestyle changes.

Step 2: Request rate estimates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can give quotes from one company like GEICO or Allstate, while independent agents can quote prices from many different companies.

Step 3: Compare the quotes to the price on your current policy to determine if switching companies saves money. If you find better rates and make a switch, ensure coverage does not lapse between policies.

Step 4: Provide proper notification to your current company of your intent to cancel your current car insurance policy and submit the required down payment along with the signed application to your new agent or company. Once the paperwork is finalized, place your new proof of insurance certificate along with the vehicle’s registration papers.

An important part of this process is to make sure you enter the same liability limits and deductibles on each quote request and and to get prices from every company you can. Doing this provides a fair rate comparison and a thorough price selection.

If you have a policy now, you will most likely be able to shop for the lowest rates using the concepts you’re about to learn. Buying more affordable insurance coverage in Riverside is not as confusing as people think. But California car owners must learn the way insurance companies determine premium rates because rates fluctuate considerably.

The most recommended method to compare car insurance rates for Ford Explorer Sport Trac insurance in Riverside is to know auto insurance companies actually pay money for the chance to give you rate quotes. All consumers are required to do is give them some information including marital status, if the vehicle is leased, your credit rating estimate, and deductibles desired. That information gets transmitted to many of the top insurers and they return cost estimate within a short period of time.

To start a quote now, click here and see if a lower rate is available in Riverside.

The providers in the list below are our best choices to provide price quotes in California. If multiple companies are shown, it’s a good idea that you visit two to three different companies to get the most affordable price.

Ford Explorer Sport Trac insurance rates and statistics

The rate information shown next showcases detailed analysis of insurance costs for Ford Explorer Sport Trac models. Having a better understanding of how auto insurance premiums are established can help customers make decisions on the best policy coverages.


Ford Explorer Sport Trac Insurance Rates in Riverside, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer Sport Trac XLT 2WD $184 $298 $442 $26 $132 $1,082 $90
Explorer Sport Trac Limited 2WD $210 $298 $442 $26 $132 $1,108 $92
Explorer Sport Trac XLT 4WD $210 $298 $442 $26 $132 $1,108 $92
Explorer Sport Trac Limited 4WD $238 $362 $442 $26 $132 $1,200 $100
Explorer Sport Trac Limited AWD $238 $362 $442 $26 $132 $1,200 $100
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Rate quotes do not factor in vehicle garaging location which can change prices significantly.

Higher deductibles save money

A question often asked by Riverside drivers is at what level do you set your deductibles. The following insurance rates summarize how much more you’ll pay when you choose different coverage deductibles. The first pricing table uses a $250 physical damage coverage deductible and the second rate chart uses a $1,000 deductible.


Ford Explorer Sport Trac insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer Sport Trac XLT 2WD $298 $472 $442 $26 $132 $1,395 $116
Explorer Sport Trac Limited 2WD $342 $472 $442 $26 $132 $1,439 $120
Explorer Sport Trac XLT 4WD $342 $472 $442 $26 $132 $1,439 $120
Explorer Sport Trac Limited 4WD $386 $576 $442 $26 $132 $1,587 $132
Explorer Sport Trac Limited AWD $386 $576 $442 $26 $132 $1,587 $132
Get Your Own Custom Quote Go

Ford Explorer Sport Trac insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer Sport Trac XLT 2WD $184 $298 $442 $26 $132 $1,082 $90
Explorer Sport Trac Limited 2WD $210 $298 $442 $26 $132 $1,108 $92
Explorer Sport Trac XLT 4WD $210 $298 $442 $26 $132 $1,108 $92
Explorer Sport Trac Limited 4WD $238 $362 $442 $26 $132 $1,200 $100
Explorer Sport Trac Limited AWD $238 $362 $442 $26 $132 $1,200 $100
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Premium amounts do not factor in specific Riverside garaging location which can influence premiums considerably.

Based on the above data, using a $250 deductible costs approximately $29 more each month or $348 every year than buying the higher $1,000 deductible. Since you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have more than 26 months between claim filings, you would come out ahead by going with a higher deductible. The illustration below shows how we made this calculation.

Average monthly premium for $250 deductibles: $124
Average monthly premium for $1,000 deductibles (subtract): – $95
Monthly savings from raising deductible: $29
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $29
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 26 months

One important note is that raising deductibles to save money means you will have to pay more when you do file a claim. That will require some extra funds in the event you need to pay more for the deductible.

The chart below highlights how deductible selection and can affect Ford Explorer Sport Trac insurance costs for different categories of driver ages. The data assumes a single female driver, comp and collision included, and no discounts are applied.

Comparison of car insurance rates by age and gender

The diagram below illustrates the difference between Ford Explorer Sport Trac car insurance rates for male and female drivers. The premium estimates are based on no accidents, no driving violations, comp and collision included, $500 deductibles, drivers are single, and no other discounts are factored in.

Neighborhood insurance agents

Certain consumers still prefer to sit down and talk to an agent and there is nothing wrong with that. A nice benefit of comparing car insurance online is that you can find lower auto insurance rates but also keep your business local. And buying from local agents is definitely important in Riverside.

Once you complete this short form, your coverage information is emailed to local insurance agents who will give you bids and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to find an agent since price quotes are sent to the email address you provide. You’ll get the best rates without a big time investment. If you want to get a comparison quote from a specific company, don’t hesitate to find their quoting web page and fill out the quote form the provide.

Best car insurance agent in Riverside

When searching for a local agent, you must know there are a couple types of agencies that you can choose from. Agencies in Riverside can either be exclusive agents or independent agents.

Independent Car Insurance Agents

These type of agents do not have single company limitations and that gives them the ability to insure amongst many companies and find you the best rates. If your agent finds better pricing, an independent agent can move your coverage and you don’t have to switch agencies.

When shopping rates, we highly recommend that you compare prices from several independent insurance agents to maximize your price options. Most also have access to smaller companies which can save you money.

Listed below is a list of independent insurance agents in Riverside that can possibly get you free price quotes.

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Exclusive Agencies

Exclusive agencies can usually just insure with one company like AAA, Allstate, and State Farm. These agents are not able to place coverage with different providers so it’s a take it or leave it situation. Exclusive agents are trained well on their company’s products which helps overcome the inability to quote other rates. Some insured continue to buy from the same agent for years mostly because of the prominent brand name rather than low rates.

Below is a list of exclusive insurance agencies in Riverside that are able to give price quote information.

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Deciding on an insurance agency should depend on more than just the bottom line cost. Get answers to these questions too.