Compare Ford Explorer Sport Trac Insurance Rates in Toledo

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Surprisingly, a recent survey revealed that most auto insurance customers renewed their policy with the same company for at least four years, and almost half have never compared rates from other carriers. Many consumers in Toledo could save 55% a year by just comparing rate quotes, but they just don't want to go online and compare rates.

Discount Ford Explorer Sport Trac insuranceIf you want to find the absolute lowest rates, then the best way to find more affordable Ford Explorer Sport Trac insurance in Toledo is to compare prices regularly from insurance carriers in Ohio.

Step 1: Take a few minutes and learn about how insurance works and the changes you can make to prevent high rates. Many things that cause rate increases such as inattentive driving and a low credit rating can be rectified by making lifestyle changes or driving safer. Keep reading for additional tips to help keep rates affordable and find missing discounts.

Step 2: Compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give prices from a single company like GEICO or Allstate, while independent agencies can quote rates for a wide range of insurance providers.

Step 3: Compare the new quotes to your current policy and see if there is a cheaper rate. If you find a lower rate quote, make sure coverage does not lapse between policies.

One tip to remember is that you'll want to make sure you compare the same amount of coverage on each quote and and to get rate quotes from as many companies as possible. Doing this ensures the most accurate price comparison and the best rate selection.

The providers in the list below are our best choices to provide price comparisons in Ohio. If you want cheaper auto insurance in Toledo, OH, we recommend you get prices from several of them to find the lowest auto insurance rates.

Protect more than your Explorer Sport Trac

Despite the high cost, insurance may not be optional for several reasons.

  • Most states have minimum liability requirements which means it is punishable by state law to not carry a specific level of liability if you don't want to risk a ticket. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you took out a loan on your Explorer Sport Trac, almost every bank will make it a condition of the loan that you buy full coverage to guarantee loan repayment. If you default on your policy, the bank may insure your Ford at a significantly higher premium and require you to fork over the higher premium.
  • Insurance protects not only your vehicle but also your financial assets. Insurance will also pay for hospital and medical expenses for yourself as well as anyone injured by you. One of the most valuable coverages, liability insurance, will also pay attorney fees if you are sued as the result of your driving. If your vehicle suffers damage from an accident or hail, comprehensive and collision coverage will pay to restore your vehicle to like-new condition.

The benefits of insuring your car definitely exceed the price paid, especially for larger claims. But the average American driver is overpaying over $750 every year so compare rate quotes at least once a year to ensure rates are competitive.

Coverage information

The rate table shown next outlines different insurance policy prices for Ford Explorer Sport Trac models. Having a better understanding of how car insurance prices are figured is important to be able to make decisions when shopping around.

Ford Explorer Sport Trac Insurance Rates in Toledo, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer Sport Trac XLT 2WD $96 $166 $218 $12 $66 $558 $47
Explorer Sport Trac Limited 2WD $112 $166 $218 $12 $66 $574 $48
Explorer Sport Trac XLT 4WD $112 $166 $218 $12 $66 $574 $48
Explorer Sport Trac Limited 4WD $126 $202 $218 $12 $66 $624 $52
Explorer Sport Trac Limited AWD $126 $202 $218 $12 $66 $624 $52
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Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Table data does not factor in the specific area where the vehicle is garaged which can raise or lower price quotes considerably.

Physical damage deductibles: Should you raise them?

The hardest decision when buying coverage is what deductibles to buy. The comparison tables below highlight how much more rates are when you select higher and lower coverage deductibles. The first data table uses a $250 deductible for comp and collision and the second price table uses a $500 deductible.

Ford Explorer Sport Trac insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer Sport Trac XLT 2WD $152 $242 $226 $14 $68 $727 $61
Explorer Sport Trac Limited 2WD $176 $242 $226 $14 $68 $751 $63
Explorer Sport Trac XLT 4WD $176 $242 $226 $14 $68 $751 $63
Explorer Sport Trac Limited 4WD $198 $296 $226 $14 $68 $827 $69
Explorer Sport Trac Limited AWD $198 $296 $226 $14 $68 $827 $69
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Ford Explorer Sport Trac insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer Sport Trac XLT 2WD $124 $196 $226 $14 $68 $628 $52
Explorer Sport Trac Limited 2WD $142 $196 $226 $14 $68 $646 $54
Explorer Sport Trac XLT 4WD $142 $196 $226 $14 $68 $646 $54
Explorer Sport Trac Limited 4WD $160 $238 $226 $14 $68 $706 $59
Explorer Sport Trac Limited AWD $160 $238 $226 $14 $68 $706 $59
Get Your Own Custom Quote Go

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Estimates do not factor in specific zip code location which can lower or raise premium rates substantially.

Based on these figures, using a $250 deductible will cost you approximately $9 more each month or $108 every year averaged for all Explorer Sport Trac models than quoting the higher $500 deductible. Due to the fact that you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you have at least 28 months between claims, you would save money if you choose the higher deductible. Here's a better example of how you can make this decision for your own policy.

Average monthly premium for $250 deductibles: $65
Average monthly premium for $500 deductibles (subtract): - $56
Monthly savings from raising deductible: $9
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $9
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 28 months

Toledo insurance discounts for a Ford Explorer Sport Trac

Some insurers don't always list all possible discounts in a way that's easy to find, so we took the time to find both well-publicized and the harder-to-find ways to save on insurance.Discount insurance

  • Defensive Driver Discount - Completing a course in safe driver can save you 5% or more if you qualify.
  • Club Memberships - Participating in qualifying employment or professional organizations is a simple method to lower premiums on your next insurance statement.
  • Pay Now and Pay Less - By making one initial payment rather than paying monthly you could save up to 5%.
  • Senior Citizens - If you qualify as a senior citizen, you may qualify for a slight reduction on a Toledo auto insurance quote.
  • Discount for Multiple Policies - If you can bundle your homeowners and auto insurance and place coverage with the same company they may give you a discount of over 10 percent off each policy depending on the company.
  • Driver's Ed - Cut your cost by having your teen driver enroll and complete driver's education if offered at their school.
  • Paper-free Discount - Many companies give back up to $50 for completing your application over the internet.

You should keep in mind that some credits don't apply to the entire policy premium. A few only apply to the cost of specific coverages such as comp or med pay. So even though they make it sound like you could get a free insurance policy, it's just not the way it works. But any discount should definitely cut your overall premium however.

The information below shows the comparison of Ford Explorer Sport Trac auto insurance costs with and without discounts applied. The information is based on a male driver, no accidents, no driving violations, Ohio state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-policy, homeowner, multi-car, and claim-free discounts applied.

Insurance companies who might offer these benefits include:

Before purchasing a policy, check with each insurance company how many discounts you can get. Savings may not be offered in Toledo. To choose providers with discount insurance rates in Toledo, click here.

Insurance agent or online?

A lot of people would rather buy from a local agent and doing so can bring peace of mind Most agents can help you build your policy and help you file claims. A good thing about price shopping on the web is that drivers can save money and get cheap insurance quotes but also keep your business local.

For easy comparison, once you complete this short form, your information is immediately sent to companies in Toledo that provide free Toledo auto insurance quotes to get your business. It's much easier because you don't need to contact any agents due to the fact that quote results will go directly to you. If you want to get a price quote from a specific insurance company, you can always visit that company's website and give them your coverage information.

Deciding on an provider requires you to look at more than just a cheap price quote. Any good agent in Toledo should know the answers to these questions.

  • Does the agent have a valid license to sell insurance in Ohio?
  • Do they reduce claim amounts on high mileage vehicles?
  • Are they giving you every discount you deserve?
  • What are the financial ratings for the companies they represent?
  • Where would your vehicle be repaired?
  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Is the agency involved in supporting local community causes?
  • Will the company cover a rental car if your car is getting fixed?

Choose the right auto insurance agent

When finding a good insurance agency, you need to know there are two different types of agencies from which to choose. Insurance agencies in Toledo can be categorized as either exclusive or independent agents depending on their company appointments. Both types can sell affordable insurance policies, but it's good to learn the difference in how they write coverage since it can affect the selection process.

Exclusive Insurance Agencies

Exclusive insurance agents can only provide pricing for a single company and some examples include Allstate, State Farm and Farm Bureau. Exclusive agents cannot compare other company's rates so they have no alternatives for high prices. These agents are very knowledgeable on their company's products which helps them sell insurance even at higher premiums. Consumers frequently choose to use a exclusive agent mainly due to the brand legacy rather than low price.

The following are exclusive agents in Toledo who can help you get comparison quotes.

More Toledo agents

Independent Agencies or Brokers

Agents that choose to be independent do not work for one specific company so they can quote policies with many different companies and find you cheaper rates. If prices rise, they can switch companies in-house and the insured can keep the same agent. If you are trying to find cheaper rates, you need to get insurance quotes from at least one independent agent to have the best price comparison. A lot of them also have access to additional companies that you may not be familiar with who may have lower rates.

Listed below are independent agents in Toledo willing to provide rate quotes.

More Toledo agents

The best rates come from being thorough

Insureds switch companies for many reasons like denial of a claim, being labeled a high risk driver, delays in paying claims and even questionable increases in premium. It doesn't matter why you want to switch switching insurance companies is actually quite simple.

The cheapest Ford Explorer Sport Trac insurance in Toledo can be bought on the web as well as from insurance agents, so you need to quote Toledo auto insurance with both to have the best selection. Some insurance companies don't offer online rate quotes and most of the time these regional carriers only sell through independent agents.

We just presented many tips how you can compare Ford Explorer Sport Trac insurance prices in Toledo. It's most important to understand that the more companies you get rates for, the better likelihood of getting the cheapest Ford Explorer Sport Trac rate quotes. You may even discover the lowest prices come from an unexpected company.

Additional information can be found below: