Best Ways to Save on Durham Ford Explorer Sport Trac Insurance

Tired of not being able to afford to pay insurance each month? You’re in the same situation as most other consumers in North Carolina.

Unimaginable but true, most consumers have purchased from the same company for four years or more, and nearly half have never shopped around. Consumers in North Carolina can save up to 10% each year, but they just don’t understand how easy it is to compare rate quotes online.

Companies like State Farm, Farmers Insurance, GEICO and Allstate increase brand awareness with ad campaigns and it is challenging if not impossible to not get sucked in by the cute commercials and find the best price available.

It’s a good habit to shop coverage around yearly because insurance rates go up and down regularly. Even if you got the lowest rate on Ford Explorer Sport Trac insurance in Durham two years ago there may be better deals available now. Forget all the misinformation about insurance because you’re going to learn the easiest way to find better rates and still maintain coverage.

The are a couple different ways to get quotes from companies that offer insurance in North Carolina. The recommended way to find the lowest rates is to use the internet to compare rates.

Getting rates online is very simple and it makes it obsolete to drive around to different Durham agent offices. The ability to buy insurance online has made agencies unnecessary unless you want the advice and guidance of a licensed agent. It is possible with some companies get the lowest quotes online but have a local agent actually write the policy. When price shopping your coverage, comparing a wide range of rates helps locate the best rates. Some companies don’t provide Durham Explorer Sport Trac insurance quotes over the internet, so it’s necessary to compare rates on coverage from those companies, too.

The companies shown below are our best choices to provide price quotes in Durham, NC. To find cheap car insurance in North Carolina, we recommend you visit as many as you can to get a more complete price comparison.

Facts and figures for Ford Explorer Sport Trac insurance

The premium information shown next outlines a range of insurance coverage prices for Ford Explorer Sport Trac models. Having a good grasp of how insurance prices are calculated can assist in making smart choices when comparing insurance quotes.

Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Information does not factor in specific garaging location which can change insurance rates significantly.

Insurance rate increases from tickets or accidents

The example below demonstrates how speeding tickets and at-fault accidents can influence Ford Explorer Sport Trac insurance costs for different age categories. The prices are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.

Full coverage versus liability only rates

The example below visualizes the comparison of Ford Explorer Sport Trac car insurance costs with full physical damage coverage compared to only buying liability only. The premiums assume no claims, a clean driving record, $100 deductibles, single marital status, and no additional discounts are factored in.

When to stop buying full coverage

There is no definitive formula of when to exclude physical damage insurance, but there is a guideline you can consider. If the yearly cost of full coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you might want to think about dropping full coverage.

For example, let’s say your Ford Explorer Sport Trac replacement cost is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company would pay you is $4,000 after paying the physical damage deductible. If you are paying over $400 annually for full coverage, then it might be time to buy liability only.

There are some circumstances where only buying liability is not a good plan. If you have an outstanding loan on your vehicle, you have to maintain full coverage in order to satisfy the requirements of the loan. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should keep full coverage in place.

Auto insurance quotes from local neighborhood Durham car insurance agents

A lot of people just prefer to get professional advice from a licensed agent. A good thing about comparing auto insurance online is that you can obtain lower rates and still buy from a local agent. Buying from local agents is important especially in Durham.

To find an agent, once you fill out this short form, your information is submitted to companies in Durham that give free quotes for your coverage. It’s much easier because you don’t need to visit any agencies because prices are sent immediately to your email address. You can find the lowest rates and a licensed agent to talk to. If you want to get a comparison quote from one company in particular, you just need to search and find their rate quote page and fill out the quote form the provide.

If you would like to find a reliable insurance agent, it’s helpful to know the types of agencies and how they differ in how they can insure your vehicles. Auto insurance agents are classified as either exclusive agents or independent agents.

Independent Agents (or Brokers)

Agents of this type are not employed by any specific company and that gives them the ability to insure with multiple insurance companies depending on which coverage is best. If they quote lower rates, your agent can switch companies which is easy for the insured. When shopping rates, you absolutely need to get several quotes from several independent agencies in order to compare the most rates.

Listed below is a small list of independent insurance agents in Durham that can possibly get you price quotes.

More Durham agents

Exclusive Auto Insurance Agencies

Agents in the exclusive channel work for only one company and examples are AAA, Allstate, State Farm, or Farmers Insurance. Exclusive agencies are unable to provide prices from multiple companies so always compare other rates. They are usually quite knowledgeable on their company’s products which helps them sell insurance even at higher premiums.

Below is a list of exclusive agencies in Durham that are able to give price quote information.

More Durham agents

Finding a good insurance agency requires you to look at more than just the premium amount. Any agent in Durham should have no problem answering these questions:

• When do they do a full risk review?
• Do they feel the quoted coverages are adequate?
• Is working in the agency their full-time job?
• Is there any savings for paying the full premium?
• Is the agent CPCU or CIC certified?
• How will an accident affect your rates?
• What company holds the largest book of business for them?

Once you have reasonable responses to any questions you may have and cheaper Explorer Sport Trac insurance quotes, you have narrowed it down to an auto insurance agent that meets the requirements to insure your vehicles. Just keep in mind consumers can terminate coverage when you choose so don’t feel that you are obligated to any specific company for the full term.

How to find a good Durham auto insurance company

Selecting the top car insurance company can be challenging considering how many choices drivers have in North Carolina. The company information in the next section may help you analyze which insurers to look at when comparing rate quotes.

Top 10 Durham Car Insurance Companies by A.M. Best Rank

1. Travelers – A++
2. USAA – A++
3. GEICO – A++
4. State Farm – A++
5. Titan Insurance – A+
6. Esurance – A+
7. Progressive – A+
8. Nationwide – A+
9. The Hartford – A+
10. Allstate – A+

Top 10 Durham Car Insurance Companies Ranked by Claims Service

1. Travelers
2. Nationwide
3. Allstate
4. State Farm
5. Liberty Mutual
6. GEICO
7. American Family
8. Esurance
9. Titan Insurance
10. AAA Insurance