Cheap Insurance for a Ford Explorer in Jersey City

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Statistics show that a large majority of auto insurance policyholders have remained with the same auto insurance company for four years or more, and 38% of drivers have never even shopped around for affordable coverage. With the average auto insurance premium being $2,010, New Jersey drivers could save themselves up to 40% a year by just comparing quotes, but they just assume it's a time-consuming process to compare rate quotes.

Insurance rates Ford Explorer in Jersey CityThe easiest way to get more affordable Ford Explorer insurance in Jersey City is to make a habit of regularly comparing prices from companies in New Jersey.

First, read and learn about policy coverages and the things you can control to prevent expensive coverage. Many rating factors that result in higher rates such as getting speeding tickets and your credit history can be controlled by making minor changes in your lifestyle. Later in this article we will cover tips to help reduce premium rates and find hidden discounts.

Second, compare prices from direct, independent, and exclusive agents. Exclusive agents and direct companies can provide rates from one company like Progressive or State Farm, while independent agencies can provide rate quotes from multiple companies. Click to view companies

Third, compare the new rate quotes to your current policy to determine if switching companies saves money. If you find a lower rate quote, make sure there is no lapse between the expiration of your current policy and the new one.

Fourth, give proper notification to your current agent or company of your decision to cancel the current policy. Submit any necessary down payment along with the completed application to the newly selected company. Once coverage is bound, keep the new certificate verifying proof of insurance somewhere easily accessible.

The critical component of shopping around is to make sure you're comparing identical limits and deductibles on every quote request and and to get price quotes from as many companies as you can. Doing this helps ensure an accurate price comparison and plenty of rates choose from.

If you already have coverage or need new coverage, use these tips to shop for the lowest rates and possibly find even better coverage. Our objective is to let you in on how to effectively get price quotes and also save some money in the process You only have to learn the least time-consuming way to shop on the web.

Cheapest car insurance in Jersey City, NJ

The companies shown below offer free rate quotes in Jersey City, NJ. To locate cheap car insurance in Jersey City, NJ, we suggest you visit two to three different companies to get the best price comparison.

Ford Explorer insurance rate analysis

The premium table displayed below outlines a range of insurance costs for Ford Explorer models. Having a good grasp of how insurance rates are formulated is important to be able to make decisions on which coverage to buy.

Ford Explorer Insurance Rates in Jersey City, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $198 $318 $504 $30 $152 $1,202 $100
Explorer Eddie Bauer 2WD $198 $318 $504 $30 $152 $1,202 $100
Explorer XLT 4WD $198 $318 $504 $30 $152 $1,202 $100
Explorer XLT AWD $198 $318 $504 $30 $152 $1,202 $100
Explorer Eddie Bauer 4WD $222 $386 $504 $30 $152 $1,294 $108
Explorer Eddie Bauer AWD $222 $386 $504 $30 $152 $1,294 $108
Explorer Limited 2WD $222 $386 $504 $30 $152 $1,294 $108
Explorer Limited 4WD $222 $386 $504 $30 $152 $1,294 $108
Explorer Limited AWD $222 $386 $504 $30 $152 $1,294 $108
Get Your Own Custom Quote Go

Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Premium amounts do not factor in specific location which can modify premium rates noticeably.

Physical damage deductibles: Should you raise them?

One of the more difficult decisions when buying car insurance is where to set your physical damage deductibles. The rates below help summarize the rate differences between low and high insurance deductibles. The first data table uses a $100 deductible and the second price chart uses a $1,000 deductible.

Ford Explorer insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $414 $614 $480 $28 $144 $1,705 $142
Explorer Eddie Bauer 2WD $414 $614 $480 $28 $144 $1,705 $142
Explorer XLT 4WD $414 $614 $480 $28 $144 $1,705 $142
Explorer XLT AWD $414 $614 $480 $28 $144 $1,705 $142
Explorer Eddie Bauer 4WD $466 $746 $480 $28 $144 $1,889 $157
Explorer Eddie Bauer AWD $466 $746 $480 $28 $144 $1,889 $157
Explorer Limited 2WD $466 $746 $480 $28 $144 $1,889 $157
Explorer Limited 4WD $466 $746 $480 $28 $144 $1,889 $157
Explorer Limited AWD $466 $746 $480 $28 $144 $1,889 $157
Get Your Own Custom Quote Go
Ford Explorer insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $230 $324 $480 $28 $144 $1,206 $101
Explorer Eddie Bauer 2WD $230 $324 $480 $28 $144 $1,206 $101
Explorer XLT 4WD $230 $324 $480 $28 $144 $1,206 $101
Explorer XLT AWD $230 $324 $480 $28 $144 $1,206 $101
Explorer Eddie Bauer 4WD $258 $394 $480 $28 $144 $1,304 $109
Explorer Eddie Bauer AWD $258 $394 $480 $28 $144 $1,304 $109
Explorer Limited 2WD $258 $394 $480 $28 $144 $1,304 $109
Explorer Limited 4WD $258 $394 $480 $28 $144 $1,304 $109
Explorer Limited AWD $258 $394 $480 $28 $144 $1,304 $109
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Table data does not factor in zip code location which can modify premiums considerably.

Using the premium rates above, we can conclude that using a $100 deductible costs an average of $45 more each month or $540 every year across all Ford Explorer models than quoting the higher $1,000 deductible. Because you would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have at a minimum 20 months between claims, you would come out ahead if you choose the higher deductible. Here's an example of how you can make your own decision.

Average monthly premium for $100 deductibles: $150
Average monthly premium for $1,000 deductibles (subtract): - $105
Monthly savings from raising deductible: $45
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $45
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 20 months

Drive responsibly or pay higher rates

The information below illustrates how traffic citations and at-fault fender-benders can raise Ford Explorer yearly insurance costs for different age groups. The rate quotes are based on a married male driver, comp and collision included, $1,000 deductibles, and no other discounts are factored in.

Annual premiums for males versus females in Jersey City

The information below compares Ford Explorer insurance prices for male and female drivers. The information is based on no claims or violations, comp and collision included, $100 deductibles, single marital status, and no policy discounts are applied.

Take policy discounts and save on Ford Explorer insurance in Jersey City

Car insurance is not cheap, but there could be significant discounts to help bring down the price. Certain reductions will be credited at the time of purchase, but once in a while a discount must be asked about before they will apply. If you're not getting every credit available, you are just wasting money.

  • Passive Restraints and Air Bags - Vehicles equipped with air bags or motorized seat belts can receive discounts of 20% or more.
  • Discount for Home Ownership - Just being a homeowner can save a few bucks because it demonstrates responsibility.
  • Early Signing - Select car insurance companies give a discount for buying a new policy before your current coverage expires. You can save around 10% with this discount.
  • Cautious Drivers - Drivers without accidents may save up to 50% more than drivers with accident claims.
  • Multiple Vehicles - Having multiple cars or trucks on one policy can get a discount on all vehicles.
  • Include Life Insurance and Save - If the company offers life insurance, you could get better premium rates if you take out a life policy as well.
  • Seat Belt Discounts - Drivers who require all occupants to fasten their seat belts could save 15% off the medical payments premium.
  • Online Discount - A few larger companies give back up to $50 for buying a policy and signing up on their website.
  • Policy Bundle Discount - If you can bundle your auto and home insurance with one insurance company you will save at least 10% off all policies.
  • Defensive Driver - Completing a class that teaches defensive driving techniques may get you a small discount depending on where you live.

Don't be shocked that some of the credits will not apply to the entire policy premium. A few only apply to individual premiums such as collision or personal injury protection. So even though they make it sound like you can get free auto insurance, nobody gets a free ride.

The diagram below illustrates the comparison of Ford Explorer insurance premiums with and without policy discounts. Data assumes a female driver, no violations or claims, New Jersey state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, marriage, homeowner, claim-free, and multi-policy discounts applied.

A list of companies and a selection of discounts are outlined below.

  • American Family policyholders can earn discounts including accident-free, Steer into Savings, early bird, good student, and bundled insurance.
  • Farm Bureau has savings for multi-policy, driver training, multi-vehicle, 55 and retired, renewal discount, and youthful driver.
  • State Farm offers discounts for defensive driving training, Drive Safe & Save, driver's education, good student, and student away at school.
  • Travelers may offer discounts for student away at school, hybrid/electric vehicle, IntelliDrive, continuous insurance, and new car.
  • The Hartford offers premium reductions for good student, defensive driver, air bag, driver training, vehicle fuel type, and anti-theft.
  • GEICO offers discounts including multi-vehicle, seat belt use, daytime running lights, emergency military deployment, five-year accident-free, driver training, and anti-theft.
  • Progressive includes discounts for online quote discount, multi-policy, homeowner, continuous coverage, good student, and multi-vehicle.

Check with each insurance company how many discounts you can get. Some credits might not be offered on policies in your area. To locate car insurance companies offering car insurance discounts in New Jersey, click this link.

Insurance agent or online?

Many people prefer to have an agent's advice and there is nothing wrong with that. Insurance agents are trained to spot inefficiencies and help file insurance claims. One of the best bonuses of comparing rates online is the fact that you can find the lowest rates and still buy from a local agent.

Insurance agency in Jersey CityOnce you complete this quick form, your information is emailed to local insurance agents in Jersey City who will give competitive quotes for your insurance coverage. There is no need to find an agent because quoted prices will be sent to you directly. If you need to compare rates from a particular provider, don't hesitate to navigate to their website and complete a quote there.

Finding the right insurer requires you to look at more than just the premium amount. Any agent in Jersey City should be willing to answer these questions.

  • What is the agency's Better Business Bureau rating?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • If your car is totaled, how to they determine the replacement cost?
  • What is the financial rating for the quoted company?
  • How long has their agency been open in Jersey City?
  • Do the agents have professional certifications like CPCU or CIC?

Lower rates by being persistent

More affordable auto insurance in Jersey City can be found online as well as from independent agents in Jersey City, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who may not have the ability to get a quote online and most of the time these regional carriers work with independent agents.

We just covered quite a bit of information on how to find affordable Ford Explorer insurance in Jersey City. The key thing to remember is the more companies you get prices for, the better chance you'll have of finding low cost Jersey City car insurance quotes. You may even be surprised to find that the lowest premium rates come from a company that doesn't do a lot of advertising.

While you're price shopping online, it's very important that you do not reduce needed coverages to save money. There are too many instances where someone dropped liability limits or collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The aim is to buy the best coverage you can find at the best possible price.

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