Ford Explorer Sport Trac Insurance Quotes in San Francisco

Insurance quote for Ford Explorer Sport Trac in San FranciscoThe preferred way to save on Ford Explorer Sport Trac insurance in San Francisco is to make a habit of regularly comparing prices from insurers who provide auto insurance in California.

An important bit of advice to remember is that you’ll want to make sure you compare identical limits and deductibles on each quote request and and to get price quotes from all possible companies. Doing this helps ensure a fair rate comparison and a thorough price selection.

It’s an obvious statement that auto insurance companies want to prevent you from shopping around. People who rate shop once a year are highly likely to buy a new policy because there is a good probability of finding a lower-priced company. A study showed that consumers who regularly compared rates saved an average of $865 a year compared to people who don’t make a habit of comparing rates.

If finding the most affordable insurance is the reason you’re here, then having an understanding of the best way to compare car insurance can help you be more efficient.

Our goal in writing this article help you learn the most effective way to quote insurance and some tricks to saving. If you have coverage now, you will most likely be able to reduce the price you pay using these methods. Smart buyers just need to understand the quickest method to get comparison quotes from many companies at once.

Best companies for competitive Ford Explorer Sport Trac insurance in California

The auto insurance companies shown below offer free quotes in California. If multiple companies are shown, we suggest you click on several of them to get the lowest price.

Coverage analysis

The coverage table shown below outlines detailed analysis of insurance costs for Ford Explorer Sport Trac models. Understanding how insurance rates are determined can help drivers make smart choices when purchasing an auto insurance policy.


Ford Explorer Sport Trac Insurance Rates in San Francisco, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer Sport Trac XLT 2WD $276 $382 $578 $34 $174 $1,444 $120
Explorer Sport Trac Limited 2WD $316 $382 $578 $34 $174 $1,484 $124
Explorer Sport Trac XLT 4WD $316 $382 $578 $34 $174 $1,484 $124
Explorer Sport Trac Limited 4WD $358 $464 $578 $34 $174 $1,608 $134
Explorer Sport Trac Limited AWD $358 $464 $578 $34 $174 $1,608 $134
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Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Rate quotes do not factor in specific location information which can increase or decrease premium rates substantially.

Comparison of policy deductibles

One of the most common insurance questions is how high should the deductibles for physical damage be. The comparison tables below lay out how much more rates are when you select higher and lower physical damage coverage deductibles. The first set of prices uses a $100 physical damage deductible and the second set of rates uses a $500 deductible.


Ford Explorer Sport Trac insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer Sport Trac XLT 2WD $332 $564 $442 $26 $132 $1,521 $127
Explorer Sport Trac Limited 2WD $380 $564 $442 $26 $132 $1,569 $131
Explorer Sport Trac XLT 4WD $380 $564 $442 $26 $132 $1,569 $131
Explorer Sport Trac Limited 4WD $430 $686 $442 $26 $132 $1,741 $145
Explorer Sport Trac Limited AWD $430 $686 $442 $26 $132 $1,741 $145
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Ford Explorer Sport Trac insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer Sport Trac XLT 2WD $242 $382 $442 $26 $132 $1,224 $102
Explorer Sport Trac Limited 2WD $278 $382 $442 $26 $132 $1,260 $105
Explorer Sport Trac XLT 4WD $278 $382 $442 $26 $132 $1,260 $105
Explorer Sport Trac Limited 4WD $314 $464 $442 $26 $132 $1,378 $115
Explorer Sport Trac Limited AWD $314 $464 $442 $26 $132 $1,378 $115
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Rate information does not factor in zip code location which can decrease or increase auto insurance rates noticeably.

Based on this data, we can arrive at the conclusion that using a $100 deductible would cost the average driver about $28 more each month or $336 each year than choosing the higher $500 deductible. Since you would pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you go at least 14 months between claims, you would save more money by selecting a higher deductible.

What Impacts Ford Explorer Sport Trac Insurance Rates?

When buying car insurance it’s important to understand the rating factors that go into determining the price you pay for car insurance. If you understand what influences your rates, this enables informed choices that can earn you lower premium levels. Many factors are part of the calculation when you get a price on insurance. Most are fairly basic such as traffic violations, but other criteria are less apparent like your continuous coverage or your financial responsibility.

San Francisco insurance discounts

Some companies do not advertise all their discounts very well, so the following is a list of both the well known and the harder-to-find savings tricks you should be using when you buy San Francisco car insurance online.Insurance discounts

Just know that most of the big mark downs will not be given to your bottom line cost. Most only cut the cost of specific coverages such as collision or personal injury protection. So even though it sounds like having all the discounts means you get insurance for free, nobody gets a free ride.

The example below illustrates the difference between Ford Explorer Sport Trac yearly insurance costs with and without discounts applied to the policy rates. The premiums are based on a male driver, no claims or violations, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, claim-free, multi-car, marriage, and multi-policy discounts applied.

A few companies that may offer most of these discounts include:

Check with every company the best way to save money. Savings might not apply everywhere.

Insurance agents can help

Many drivers just prefer to have an agent’s advice and that is a smart decision Professional insurance agents are trained risk managers and help submit paperwork. One of the benefits of price shopping on the web is you may find better rates and also buy local. Supporting neighborhood agents is definitely important in San Francisco.

Once you complete this short form, your insurance data is transmitted to insurance agents in San Francisco that can provide free San Francisco car insurance quotes for your coverage. It simplifies rate comparisons since you won’t have to search for an agent because prices are sent immediately to your email address. If you wish to compare rates for a specific company, don’t hesitate to visit that company’s website to submit a rate quote request.

The different types of car insurance agents

If you’re trying to find an insurance agent, it’s helpful to know the different types of agencies from which to choose. San Francisco agents are considered either independent agents or exclusive agents depending on their employer. Both types can insure your vehicles, but it’s a good idea to understand how they are different because it can influence buying decisions.

Independent Insurance Agents

These type of agents are not required to write business for one company so they can quote policies with an assortment of companies and possibly get better coverage at lower prices. If you are not satisfied with one company, they simply move the coverage in-house which makes it simple for you.

When comparing insurance prices, it’s a good idea to get several quotes from several independent agencies to have the best price comparison. A lot of them also have access to small mutual carriers which could offer lower prices.

Below is a short list of independent insurance agencies in San Francisco who may be able to give you comparison quotes.

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Exclusive Insurance Agencies

Agents of this type work for only one company such as Farmers Insurance, American Family, State Farm and Allstate. These agents are not able to place coverage with different providers so it’s a take it or leave it situation. They are well trained on their products and sales techniques which helps them compete with independent agents. Some insured continue to choose to use an exclusive agent mainly due to the brand legacy and the convenience of having all coverages with one company.

Below are exclusive insurance agents in San Francisco that are able to give comparison quotes.

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Finding the right insurance agency needs to be determined by more than just the price. Ask your prospective agent these questions:

Which policy gives me the best coverage?

When it comes to buying adequate coverage for your vehicles, there really is no one-size-fits-all type of policy. Coverage needs to be tailored to your specific needs so your insurance needs to address that.Higher deductibles save money
For example, these questions can aid in determining if your insurance needs might need professional guidance.

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Compare. Compare. Compare.

Discount Ford Explorer Sport Trac insurance in San Francisco is possible online and from local insurance agents, and you should be comparing both in order to have the best price selection to choose from. A few companies may not provide online rate quotes and usually these small, regional companies provide coverage only through independent insurance agents.

When buying insurance coverage, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many situations where an accident victim reduced uninsured motorist or liability limits only to regret at claim time that it was a big mistake. Your strategy should be to buy enough coverage at the lowest possible cost and still be able to protect your assets.

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