If you want to save money, the best way to get cheaper Ford Explorer Sport Trac insurance is to make a habit of comparing prices annually from insurance carriers in Jersey City.
Step 1: Spend some time learning about individual coverages and the factors you can control to keep rates low. Many rating factors that result in higher prices like accidents, careless driving, and an unacceptable credit history can be eliminated by making small lifestyle or driving habit changes.
Step 2: Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only quote rates from a single company like GEICO and State Farm, while agents who are independent can give you price quotes from many different companies.
Step 3: Compare the new quotes to the price on your current policy to see if a cheaper rate is available. If you find a lower rate, make sure coverage is continuous and does not lapse.
Step 4: Provide notification to your current agent or company of your intention to cancel your current policy and submit a down payment along with a signed application to your new company or agent. Immediately upon receiving it, place your new proof of insurance paperwork in an easily accessible location in your vehicle.
A valuable tip to remember is to use the same deductibles and limits on each price quote and and to compare every company you can. This enables a level playing field and the best price selection.
It’s a fact that car insurance companies don’t want their policyholders to compare prices. Insureds who compare rates annually will, in all likelihood, move their business because there is a good probability of finding a lower-priced company. Surprisingly, a recent survey revealed that people who routinely shopped for cheaper coverage saved approximately $3,500 over four years compared to policyholders who never shopped around for cheaper prices.
If finding the cheapest price on car insurance in Jersey City is your ultimate goal, knowing how to choose a company and compare cheaper coverage can make shopping around easier.
The companies shown below have been selected to offer comparison quotes in New Jersey. If you want the best cheap car insurance in NJ, it’s a good idea that you compare several of them to get the best price comparison.
Analysis of coverages
The coverage table displayed below highlights different insurance rates for Ford Explorer Sport Trac models. Learning a little about how policy rates are established can aid in making decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Explorer Sport Trac XLT 2WD | $346 | $694 | $624 | $36 | $188 | $1,888 | $157 |
| Explorer Sport Trac Limited 2WD | $398 | $694 | $624 | $36 | $188 | $1,940 | $162 |
| Explorer Sport Trac XLT 4WD | $398 | $694 | $624 | $36 | $188 | $1,940 | $162 |
| Explorer Sport Trac Limited 4WD | $448 | $844 | $624 | $36 | $188 | $2,140 | $178 |
| Explorer Sport Trac Limited AWD | $448 | $844 | $624 | $36 | $188 | $2,140 | $178 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and New Jersey minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Rate quotes do not factor in specific zip code location which can decrease or increase coverage rates substantially.
Rate comparison of full coverage and liability-only
The information below shows the comparison of Ford Explorer Sport Trac auto insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums assume a clean driving record, no at-fault accidents, $100 deductibles, drivers are not married, and no policy discounts are applied.
Should you buy full coverage or liability only?
There is no written rule for dropping comp and collision coverage, but there is a general school of thought. If the annual cost of having full coverage is about 10% or more of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.
For example, let’s say your Ford Explorer Sport Trac settlement value is $3,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would receive is $2,000 after paying your policy deductible. If it’s costing you more than $200 a year to have full coverage, then it could be time to drop full coverage.
There are a few cases where dropping full coverage is not in your best interest. If you have an outstanding loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should not remove full coverage.
Your car insurance coverage should be tailored to you
When choosing proper insurance coverage for your personal vehicles, there is no one-size-fits-all type of policy. Everyone’s needs are different and your car insurance should be unique as well.
Here are some questions about coverages that might help in determining whether your personal situation could use an agent’s help.
- Is upholstery damage covered by car insurance?
- Can I rent a car in Mexico?
- Are rock-chip repairs free?
- What if I total my Ford Explorer Sport Trac and owe more than it’s worth?
- Should I buy additional glass protection?
- How much underlying liability do I need for an umbrella policy?
- Can I still get insurance after a DUI?
If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.
Buying from auto insurance agents
A small number of people just want to go talk to an agent. Professional insurance agents are very good at helping people manage risk and give you someone to call. One of the great benefits of comparing insurance prices online is that drivers can save money and get lower rates and still buy from a local agent.
After completing this simple form, your insurance data is emailed to companies in Jersey City that can give you free Jersey City car insurance quotes to get your business. It’s much easier because you don’t need to do any legwork because quoted prices will be sent to the email address you provide. If you want to get a comparison quote from a specific company, you just need to navigate to their website and submit a quote form there.
Picking the best company requires more thought than just the bottom line cost. These are some questions you should get answers to.
- Are there any discounts that you might be missing?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Are they primarily personal or commercial lines agents in Jersey City?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- How often do they review coverages?
- Do they get extra compensation for selling add-on coverages?
- Is the coverage adequate for your vehicle?
- Which insurance companies are they affiliated with?
Listed below are agents in Jersey City that are able to give comparison quotes for Ford Explorer Sport Trac insurance in Jersey City.
- Wexford Insurance
45 Laidlaw Ave – Jersey City, NJ 07306 – (201) 659-6050 – View Map - Hemant Jiwnani – State Farm Insurance Agent
2770 John F Kennedy Blvd, FL-1 – Jersey City, NJ 07306 – (201) 653-1770 – View Map - Diaz Insurance Agency
815 Bergenline Ave – Union City, NJ 07087 – (201) 348-1288 – View Map - Farmers Insurance – Mofalc Meinga
447 Central Ave – Jersey City, NJ 07307 – (201) 435-1616 – View Map
If you feel you receive good feedback to your questions and locked in a price quote, you may have found a company that is a good match to properly service your car insurance policy.