Affordable Insurance for a Ford Explorer in Seattle

Insurance rates Ford Explorer in SeattleWish you could get out of an overpriced car insurance policy? It’s quite common and there are lots of Seattle residents who feel the same.

It’s shocking but most car insurance customers kept their coverage with the same car insurance company for at least the last four years, and almost half have never compared rates with other companies. With the average car insurance premium being $1,200, Washington drivers could cut their rates by almost 40% a year just by getting comparison quotes, but most tend to underestimate the rate savings if they switched to a more affordable policy. Since you have so many insurance providers from which to choose, it is very difficult to choose the lowest price insurance company.

Discounts for lower-cost car insurance rates

The price of auto insurance can be rather high, but companies offer discounts that could drop your premiums quite a bit. Some trigger automatically when you complete an application, but a few must be specially asked for before you get the savings.Cheaper car insurance with discounts

Consumers should know that some of the credits will not apply to the whole policy. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Despite the appearance that having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

Popular car insurance companies and some of their more popular discounts are outlined below.

If you want inexpensive Seattle car insurance quotes, ask every prospective company how many discounts you can get. Savings may not apply to policies in your state. For a list of insurance companies that provide some of the discounts listed above in Seattle, click here.

Finding cheaper insurance rates is a fairly straight forward process. The only requirement is to take a couple of minutes comparing rate quotes online with multiple companies.

Getting free rates online is quite simple, and it takes the place of having to physically go to insurance agents’ offices. Quoting and buying Ford Explorer insurance online reduces the need to sit down with an agent unless you have a complicated situation and need the personal advice of a local agency. It is possible to price shop your coverage online and have a local agent actually service the policy.

The companies shown below can provide price quotes in Seattle, WA. If several companies are displayed, we recommend you visit as many as you can in order to get a fair rate comparison.

Ford Explorer Insurance Costs in Seattle, WA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $244 $426 $384 $22 $114 $1,190 $99
Explorer Eddie Bauer 2WD $198 $320 $282 $16 $84 $900 $75
Explorer XLT 4WD $160 $198 $386 $22 $116 $882 $74
Explorer XLT AWD $290 $376 $386 $22 $116 $1,190 $99
Explorer Eddie Bauer 4WD $260 $422 $304 $18 $90 $1,094 $91
Explorer Eddie Bauer AWD $154 $236 $300 $18 $90 $798 $67
Explorer Limited 2WD $180 $304 $334 $20 $100 $938 $78
Explorer Limited 4WD $234 $354 $304 $18 $90 $1,000 $83
Explorer Limited AWD $136 $236 $334 $20 $100 $826 $69
Get Your Own Custom Quote Go

Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Information does not factor in specific zip code location which can increase or decrease prices greatly.

Should you raise deductibles?

The diagram below illustrates how your choice of deductibles and can impact Ford Explorer insurance rates for different age groups. The data is based on a married female driver, comprehensive and collision coverage, and no discounts are factored in.

Buying from auto insurance agents

A lot of people would prefer to go talk to an agent and doing so can bring peace of mind Most agents will help you protect your assets and help you file claims. The best thing about comparing rate quotes online is you can get better rates but also keep your business local. Putting coverage with local insurance agents is important particularly in Seattle.

Seattle insurance agentsAfter filling out this short form, your coverage information is submitted to local insurance agents in Seattle that give free quotes for your insurance coverage. You never need to find an agent since rate quotes are delivered directly to your email. If you want to compare rates from a specific company, feel free to visit that company’s website and submit a quote form there.

Exclusive agents vs. Independent agents

When finding a good Seattle insurance agent, you need to know there are two different agency structures and how they can quote your rates. Agents in Seattle are considered either independent (non-exclusive) or exclusive. Either type can sell car insurance policies, but it is a good idea to know the subtle differences since it may influence the type of agent you choose.

Independent Insurance Agents

These agents are not required to write business for one company and that allows them to write policies with lots of companies and help determine which has the cheapest rates. If prices rise, the agent simply finds a different carrier and you can keep the same agent. If you need cheaper car insurance rates, we recommend you compare quotes from several independent insurance agents to have the most options to choose from.

Listed below are Seattle independent agents that can give you free price quotes.

6055 California Ave SWSeattle, WA 98136(206) 932-2500View Map

9627 Aurora Ave NSeattle, WA 98103(206) 527-0888View Map

5191 S Spencer StSeattle, WA 98118(206) 965-8140View Map

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Exclusive Insurance Agencies

Agents of this type write business for a single company such as Allstate, Farmers Insurance, State Farm, and AAA. These agents are unable to place coverage with different providers so they have no alternatives for high prices. Exclusive agencies receive a lot of sales training on their products and sales techniques which helps offset the inability to provide other markets.

Shown below are exclusive insurance agents in Seattle that are able to give comparison quotes.

9750 Greenwood Ave N #104Seattle, WA 98103(206) 784-5151View Map

6011 California Ave SWSeattle, WA 98136(206) 933-8812View Map

444 NE Ravenna Blvd #104Seattle, WA 98115(206) 985-2528View Map

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Deciding on an auto insurance agent requires you to look at more than just the bottom line cost. Any good agent in Seattle should know the answers to these questions.

Cheaper insurance is a realistic goal

When searching for affordable Ford Explorer insurance quotes, it’s not a good idea to reduce needed coverages to save money. There are a lot of situations where drivers have reduced comprehensive coverage or liability limits and found out when filing a claim they didn’t purchase enough coverage. The proper strategy is to purchase plenty of coverage at the best cost but still have enough coverage for asset protection.

We just showed you many ways to lower your Ford Explorer insurance car insurance rates in Seattle. The key concept to understand is the more times you quote, the higher the chance of saving money. You may even find the biggest savings come from a small mutual company. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as State Farm and Allstate.

Much more information about insurance in Washington is located on the following sites: