Affordable Quotes for Ford Explorer Sport Trac Insurance in Fort Worth

Insurance for Ford Explorer Sport TracFinding the cheapest insurance for a Ford Explorer Sport Trac in Texas can turn out to be difficult, but you can learn the following methods to find lower rates.

There are both good and bad ways to buy auto insurance and we’ll show you the absolute fastest way to price shop coverage on a Ford and obtain the lowest possible price either online or from Fort Worth insurance agents.

The companies shown below are ready to provide price quotes in Fort Worth, TX. If several companies are displayed, we suggest you visit several of them to find the most competitive auto insurance rates.

Auto insurance is not optional

Even though it’s not necessarily cheap to insure a Ford in Fort Worth, maintaining insurance may be required and benefits you in several ways.

First, most states have mandatory insurance requirements which means you are required to buy specific minimum amounts of liability coverage if you drive a vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you have a loan on your Explorer Sport Trac, almost all lenders will have a requirement that you carry insurance to guarantee their interest in the vehicle. If coverage lapses or is canceled, the bank may buy a policy for your Ford at a significantly higher premium and force you to reimburse them the higher price.

Third, insurance protects not only your Ford Explorer Sport Trac but also your financial assets. It also can pay for medical expenses for you, your passengers, and anyone else injured in an accident. Liability insurance, one of your policy coverages, will also pay attorney fees if you are sued as the result of your driving. If you have damage to your Ford as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will cover the repair costs.

The benefits of insuring your Explorer Sport Trac are without a doubt worth the cost, especially with large liability claims. According to a 2015 survey, the average American driver is currently overpaying as much as $800 each year so it’s very important to do a rate comparison every year to be sure current rates are still competitive.

Coverage analysis

The price information below showcases a range of coverage prices for Ford Explorer Sport Trac models. Knowing how insurance premiums are figured is important for making smart buying decisions.

Ford Explorer Sport Trac Insurance Rates in Fort Worth, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer Sport Trac XLT 2WD $232 $404 $514 $30 $154 $1,334 $111
Explorer Sport Trac Limited 2WD $266 $404 $514 $30 $154 $1,368 $114
Explorer Sport Trac XLT 4WD $266 $404 $514 $30 $154 $1,368 $114
Explorer Sport Trac Limited 4WD $300 $492 $514 $30 $154 $1,490 $124
Explorer Sport Trac Limited AWD $300 $492 $514 $30 $154 $1,490 $124
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Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Rates do not factor in zip code location which can affect premium rates substantially.

Take advantage of these price cutting discounts

Car insurance companies do not advertise their entire list of discounts very clearly, so we researched both the well known and also the lesser-known discounts that you may qualify for. If you aren’t receiving every discount you deserve, you are paying more than you should be.Auto insurance discounts

One last thing about discounts, most discounts do not apply to the whole policy. Most only reduce the cost of specific coverages such as comp or med pay. Even though the math looks like you can get free auto insurance, that’s just not realistic.

The information below illustrates the difference between Ford Explorer Sport Trac insurance costs with and without discounts applied to the policy premium. The premium estimates are based on a female driver, no driving violations, no at-fault accidents, Texas state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, homeowner, marriage, multi-policy, and claim-free discounts applied.

A few of the larger companies and their possible discounts include:

If you want the cheapest Ford Explorer Sport Trac rate quotes, ask each company how you can save money. Some of the discounts discussed earlier may not be available in Fort Worth. To choose insurers who offer online Ford Explorer Sport Trac insurance quotes in Fort Worth, click this link.

Special considerations

When selecting your policy, there really is not a cookie cutter policy. Each situation is unique.Higher deductibles save money

For instance, these questions might point out if your situation might need professional guidance.

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and can provide invaluable advice.