Want to learn how to buy lower-priced Ford Explorer insurance in Minneapolis? Searching for cheaper insurance for a Ford Explorer in Minnesota can be a lot of work, but you can learn these tips to save time.
There are more efficient ways to find auto insurance online so we’re going to tell you the proper way to quote coverages for a Ford and obtain the lowest price from both online companies and Minneapolis agents.
The method we recommend to compare insurance rates from multiple companies is to know most of the bigger providers provide online access to compare rate quotes. To start a quote, the only thing you need to do is spend a couple of minutes providing details including the type of vehicles you drive, if you went to college, whether the vehicles are used for commuting, and whether you have decent credit. The data is instantly submitted to many highly-rated insurers and they provide comparison quotes quickly.
To check Ford Explorer insurance prices now, click here and enter your zip code.
The providers in the list below are ready to provide price comparisons in Minneapolis, MN. If your goal is to find the best cheap auto insurance in Minneapolis, we suggest you get price quotes from several of them to find the lowest car insurance rates.
Insurance is not optional but you don’t have to overpay
Despite the high cost, buying insurance is not optional due to several reasons.
First, the majority of states have mandatory liability insurance requirements which means you are required to buy a specific minimum amount of liability if you want to drive legally. In Minnesota these limits are 30/60/10 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
Second, if you have a loan on your vehicle, most lenders will stipulate that you have full coverage to ensure they get paid if you total the vehicle. If coverage lapses or is canceled, the bank may insure your Ford at a much higher premium rate and force you to pay for the much more expensive policy.
Third, insurance preserves your Ford and your assets. It will also pay for hospital and medical expenses for not only you but also any passengers injured in an accident. As part of your policy, liability insurance will also pay to defend you if you are sued as the result of your driving. If your Ford gets damaged, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of having insurance definitely exceed the price paid, especially with large liability claims. According to a 2015 survey, the average American driver overpays more than $850 per year so you should quote rates at least once a year to ensure rates are inline.
Coverage information
The information shown next covers different rate quotes for Ford Explorer models. Having a better understanding of how car insurance premiums are calculated can benefit drivers when making decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Explorer XLT 2WD | $210 | $332 | $358 | $22 | $108 | $1,030 | $86 |
| Explorer Eddie Bauer 2WD | $210 | $332 | $358 | $22 | $108 | $1,030 | $86 |
| Explorer XLT 4WD | $210 | $332 | $358 | $22 | $108 | $1,030 | $86 |
| Explorer XLT AWD | $210 | $332 | $358 | $22 | $108 | $1,030 | $86 |
| Explorer Eddie Bauer 4WD | $238 | $404 | $358 | $22 | $108 | $1,130 | $94 |
| Explorer Eddie Bauer AWD | $238 | $404 | $358 | $22 | $108 | $1,130 | $94 |
| Explorer Limited 2WD | $238 | $404 | $358 | $22 | $108 | $1,130 | $94 |
| Explorer Limited 4WD | $238 | $404 | $358 | $22 | $108 | $1,130 | $94 |
| Explorer Limited AWD | $238 | $404 | $358 | $22 | $108 | $1,130 | $94 |
| Get Your Own Custom Quote Go | |||||||
Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Minnesota minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Price information does not factor in garaging location in Minneapolis which can lower or raise premium rates significantly.
Analysis of deductible levels
A question often asked by Minneapolis drivers is the level to set your comp and collision deductibles. The rates below show how much more rates are when you buy lower versus higher coverage deductibles. The first pricing table uses a $250 deductible and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Explorer XLT 2WD | $246 | $340 | $318 | $18 | $94 | $1,041 | $87 |
| Explorer Eddie Bauer 2WD | $246 | $340 | $318 | $18 | $94 | $1,041 | $87 |
| Explorer XLT 4WD | $246 | $340 | $318 | $18 | $94 | $1,041 | $87 |
| Explorer XLT AWD | $246 | $340 | $318 | $18 | $94 | $1,041 | $87 |
| Explorer Eddie Bauer 4WD | $276 | $414 | $318 | $18 | $94 | $1,145 | $95 |
| Explorer Eddie Bauer AWD | $276 | $414 | $318 | $18 | $94 | $1,145 | $95 |
| Explorer Limited 2WD | $276 | $414 | $318 | $18 | $94 | $1,145 | $95 |
| Explorer Limited 4WD | $276 | $414 | $318 | $18 | $94 | $1,145 | $95 |
| Explorer Limited AWD | $276 | $414 | $318 | $18 | $94 | $1,145 | $95 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Explorer XLT 2WD | $152 | $214 | $318 | $18 | $94 | $796 | $66 |
| Explorer Eddie Bauer 2WD | $152 | $214 | $318 | $18 | $94 | $796 | $66 |
| Explorer XLT 4WD | $152 | $214 | $318 | $18 | $94 | $796 | $66 |
| Explorer XLT AWD | $152 | $214 | $318 | $18 | $94 | $796 | $66 |
| Explorer Eddie Bauer 4WD | $170 | $260 | $318 | $18 | $94 | $860 | $72 |
| Explorer Eddie Bauer AWD | $170 | $260 | $318 | $18 | $94 | $860 | $72 |
| Explorer Limited 2WD | $170 | $260 | $318 | $18 | $94 | $860 | $72 |
| Explorer Limited 4WD | $170 | $260 | $318 | $18 | $94 | $860 | $72 |
| Explorer Limited AWD | $170 | $260 | $318 | $18 | $94 | $860 | $72 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Minnesota minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Price estimates do not factor in specific location which can alter coverage prices noticeably.
We can estimate from the data above that using a $250 deductible will cost in the ballpark of $22 more each month or $264 for a full year averaged for all Explorer models than buying the higher $1,000 deductible. Because you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to have at a minimum 34 months between claims, you would probably come out ahead if you opt for a higher deductible.
Discounts can help lower premiums on Ford Explorer insurance in Minneapolis
Car insurance can cost a lot, but you may qualify for discounts that many people don’t even know exist. Certain credits will be shown at the time you complete a quote, but a few must be inquired about before being credited.
- Seat Belts Save more than Lives – Forcing all vehicle occupants to wear their seat belts can save 10% or more off the personal injury premium cost.
- Club Memberships – Being in a qualifying organization could earn you a nice discount when shopping for insurance.
- Anti-theft System – Cars and trucks equipped with anti-theft or alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
- Drivers Education – Require your teen driver to enroll in driver’s education in school.
- Save with a New Car – Insuring a new Explorer can get you a discount since newer models are generally safer.
- Good Driver Discounts – Safe drivers could pay up to 40% less as compared to drivers with claims.
It’s important to understand that most credits do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like medical payments or collision. So even though it sounds like it’s possible to get free car insurance, it doesn’t quite work that way.
The information below compares Ford Explorer annual premium costs with and without discounts applied to the rates. The information is based on a female driver, no accidents, no driving violations, Minnesota state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-car, claim-free, homeowner, and multi-policy discounts applied.
The best insurance companies and a selection of discounts can be read below.
- State Farm offers discounts including safe vehicle, anti-theft, Drive Safe & Save, good student, student away at school, passive restraint, and driver’s education.
- Progressive may have discounts that include continuous coverage, good student, homeowner, online signing, and online quote discount.
- Travelers may include discounts for new car, continuous insurance, IntelliDrive, early quote, multi-car, and home ownership.
- American Family has savings for air bags, defensive driver, mySafetyValet, good driver, and Steer into Savings.
- Liberty Mutual policyholders can earn discounts including newly retired, new graduate, good student, safety features, new vehicle discount, hybrid vehicle, and new move discount.
If you are trying to find affordable Minneapolis auto insurance quotes, ask every company which discounts you qualify for. A few discounts might not be available to policyholders in Minneapolis. To view insurance companies who offer cheap Ford Explorer insurance quotes in Minneapolis, click here.
Shop online but buy locally
Some consumers prefer to buy from a local agent and we recommend doing that Experienced insurance agents can help you choose the best coverages and help file insurance claims. One of the best bonuses of getting online price quotes is that you can find cheaper prices and also buy local. Buying insurance from neighborhood agents is important particularly in Minneapolis.
After completing this simple form, the quote information is submitted to local insurance agents in Minneapolis who can give free rate quotes and help you find cheaper coverage. You won’t need to leave your house since rate quotes are delivered to the email address you provide. If you wish to quote rates from a specific insurance company, you can always visit that company’s website and fill out their quote form.
The difference between Minneapolis car insurance agents
If you are searching for a local Minneapolis insurance agency, it’s important to understand the types of insurance agents and how they are distinctly different. Minneapolis agents are either exclusive agents or independent agents. Both sell affordable car insurance policies, but it’s important to point out the difference in the companies they write for since it could factor into the kind of agent you use.
Independent Insurance Agents
Independent agents do not sell for just one brand and that enables them to quote your coverage with an assortment of companies and get the cheapest rates. If they find a cheaper price, your agent can switch companies and you don’t have to switch agencies. When comparing rates, we recommend you get rate quotes from several independent insurance agents to ensure the widest selection of prices. Most have the option of insuring with smaller regional carriers that may have much lower rates than larger companies.
Listed below are independent agencies in Minneapolis that may be able to give free price quotes.
- TCF Agency Insurance Services Inc
801 S Marquette Ave – Minneapolis, MN 55402 – (612) 661-8400 – View Map - Dedicated Insurance
2736 Lyndale Ave S – Minneapolis, MN 55408 – (612) 872-4004 – View Map - CBIZ Associated Insurance Agents
2800 Freeway Blvd – Minneapolis, MN 55430 – (763) 549-2200 – View Map
Exclusive Agencies
Agents that elect to be exclusive normally can only provide a single company’s rates like AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agents are unable to give you multiple price quotes so keep that in mind. Exclusive insurance agents receive a lot of sales training on their company’s products which helps offset the inability to provide other markets. Some insured continue to use the same exclusive agent partially due to the brand and strong financial ratings.
Below is a list of exclusive agencies in Minneapolis that can give you price quote information.
- Mary Trondson – State Farm Insurance Agent
1215 Lagoon Ave – Minneapolis, MN 55408 – (612) 823-4111 – View Map - Tom Kilton – State Farm Insurance Agent
3430 Nicollet Ave – Minneapolis, MN 55408 – (612) 827-3655 – View Map - Kim Nybo – State Farm Insurance Agent
2724 University Ave SE – Minneapolis, MN 55414 – (612) 767-7775 – View Map
Deciding on an auto insurance agent should include more criteria than just the bottom line cost. These are some valid questions you should ask.
- Will their companies depreciate repairs to your car based on the mileage?
- How would your car be valued if totaled?
- Do they receive special compensation for putting your coverage with one company over another?
- Does the agent have a valid license to sell insurance in Minnesota?
- Are all drivers listed on the coverage quote?
- How much will you save each year by using a higher deductible?
- Does the quote include credit and driving reports?
- Are they in the agency full-time?
Shop smart and save
The cheapest Ford Explorer insurance in Minneapolis can be purchased from both online companies and from local agencies, so you need to quote Minneapolis auto insurance with both to get a complete price analysis. Some insurance providers may not provide online quoting and most of the time these regional insurance providers prefer to sell through independent agencies.
Insureds change insurance companies for any number of reasons including an unsatisfactory settlement offer, high prices, denial of a claim or even questionable increases in premium. It doesn’t matter what your reason, finding a new auto insurance company is less work than it seems.
You just learned a lot of techniques to get a better price on Ford Explorer insurance in Minneapolis. The key concept to understand is the more you quote Minneapolis auto insurance, the better chance you’ll have of finding cheaper Minneapolis auto insurance quotes. Drivers may even discover the lowest car insurance rates are with the smaller companies.
Steps to buying affordable Ford Explorer insurance in Minneapolis
The preferred way to find better pricing on car insurance rates is to compare prices once a year from companies in Minneapolis. You can compare prices by following these steps.
- Get a basic knowledge of how car insurance works and the things you can control to prevent rate increases. Many rating criteria that result in higher rates such as getting speeding tickets and a low credit score can be remedied by making small lifestyle or driving habit changes.
- Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give prices from a single company like GEICO and State Farm, while independent agents can give you price quotes from many different companies.
- Compare the new quotes to the premium of your current policy to see if a cheaper price is available in Minneapolis. If you find a lower rate quote, make sure coverage is continuous and does not lapse.
One thing to remember is to make sure you’re comparing similar deductibles and liability limits on each price quote and and to compare as many different companies as possible. This helps ensure a fair price comparison and a complete price analysis.
Additional learning opportunities
- Steps to Take After an Auto Accident (Insurance Information Institute)
- Who Has Cheap Auto Insurance for Uber Drivers in Minneapolis? (FAQ)
- Booster Seat Ratings (iihs.org)
- Safety Belts FAQ (iihs.org)
- How to shop for a safer car (Insurance Institute for Highway Safety)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)