Cheapest Tampa Ford Explorer Sport Trac Insurance

Unimaginable but true, about 70% of customers have bought car insurance from the same company for over three years, and just under half have never compared rates to find lower-cost insurance. Tampa drivers can save nearly 55% each year by just comparing quotes, but they underestimate how much savings they would realize if they switched to a cheaper policy.

Insurance for Ford Explorer Sport TracIf you want to save the most money, the best way to get more affordable car insurance rates in Tampa is to start comparing rates regularly from companies that sell auto insurance in Florida. This can be done by following these steps.

First, try to learn about the coverage provided by your policy and the things you can control to keep rates low. Many rating factors that result in higher rates like traffic tickets, fender benders, and an imperfect credit rating can be rectified by making small lifestyle or driving habit changes. Keep reading for more information to lower rates and find discounts that may have been missed.

Second, request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from a single company like GEICO and State Farm, while agents who are independent can provide price quotes from many different companies. View insurance agents

Third, compare the new rate quotes to your existing rates and determine if cheaper Explorer Sport Trac coverage is available in Tampa. If you find better rates, make sure there is no lapse between the expiration of your current policy and the new one.

Fourth, give notification to your current company of your intent to cancel the current policy. Submit any necessary down payment along with the completed application to your new insurance company. As soon as you receive it, put the certificate of insurance in an easily accessible location.

An essential thing to point out is to make sure you enter the same coverage limits and deductibles on each quote request and and to compare all possible companies. Doing this enables an apples-to-apples comparison and the best price selection.

Getting a cheaper price on insurance can be relatively painless. You just need to take a couple of minutes to get quotes from different insurance companies.

The auto insurance companies shown below offer price quotes in Florida. If you wish to find cheaper auto insurance in Tampa, FL, it’s highly recommended you compare several of them to find the most affordable auto insurance rates.

Statistics and details

The table shown next covers detailed analysis of insurance coverage prices for Ford Explorer Sport Trac models. Having knowledge of how insurance quotes are determined can help drivers make decisions on which insurance to purchase.

Ford Explorer Sport Trac Insurance Rates in Tampa, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer Sport Trac XLT 2WD $260 $360 $546 $32 $164 $1,362 $114
Explorer Sport Trac Limited 2WD $298 $360 $546 $32 $164 $1,400 $117
Explorer Sport Trac XLT 4WD $298 $360 $546 $32 $164 $1,400 $117
Explorer Sport Trac Limited 4WD $338 $438 $546 $32 $164 $1,518 $127
Explorer Sport Trac Limited AWD $338 $438 $546 $32 $164 $1,518 $127
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Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Table data does not factor in garaging location in Tampa which can revise auto insurance rates considerably.

The information below illustrates how choosing a deductible and can raise or lower Ford Explorer Sport Trac annual premium costs for different age categories. The prices are based on a single male driver, full coverage, and no discounts are taken into consideration.

Irresponsible driving raises your rates

The chart below demonstrates how speeding tickets and at-fault fender-benders can raise Ford Explorer Sport Trac auto insurance costs for each different age group. The data assumes a married female driver, full physical damage coverage, $250 deductibles, and no additional discounts are factored in.

Why auto insurance is not optional

Despite the potentially high cost of Ford Explorer Sport Trac insurance, maintaining insurance serves several important purposes.

The benefits of carrying enough insurance more than offset the price you pay, especially for larger claims. On average, a vehicle owner in Tampa is wasting up to $855 a year so you should quote and compare rates every year to ensure rates are inline.

Choices You Make Can Impact Your Insurance Rates

Part of the car insurance buying process is learning some of the elements that aid in calculating your policy premiums. When you know what positively or negatively impacts premium levels, this allows you to make educated decisions that may result in better car insurance rates. Multiple criteria are taken into consideration when pricing auto insurance. Some factors are common sense such as traffic violations, but others are less apparent such as whether you are married or how safe your car is.

Do you qualify for discounts on Ford Explorer Sport Trac insurance in Tampa?

Companies don’t always advertise all available discounts in an easy-to-find place, so we took the time to find both well-publicized and also the more inconspicuous discounts that you can inquire about if you buy Tampa auto insurance online.Car insurance discounts

As is typical with insurance, some of the credits will not apply to the overall cost of the policy. Most cut individual premiums such as medical payments or collision. So even though you would think having all the discounts means you get insurance for free, it just doesn’t work that way.

The example below shows the difference between Ford Explorer Sport Trac car insurance rates with and without policy discounts. The prices are based on a female driver, no tickets, no at-fault accidents, Florida 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 homeowner, multi-policy, multi-car, claim-free, safe-driver, and marriage discounts applied.

A few popular companies and some of the premium reductions they offer are included below.

If you need lower rates, check with every prospective company how you can save money. A few discounts may not be available in every state. To choose companies who offer online Ford Explorer Sport Trac insurance quotes in Tampa, click here.

There’s no such thing as the perfect auto insurance policy

When it comes to buying coverage, there really is not a single plan that fits everyone. Your financial needs are unique and your auto insurance should unique, too.Higher deductibles save money
Here are some questions about coverages that can aid in determining if your situation will benefit from professional help.

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and can provide invaluable advice.

Shop online but buy locally

A lot of people still prefer to visit with an insurance agent and there is nothing wrong with that. Licensed agents can answer important questions and help in the event of a claim. A good thing about getting online price quotes is the fact that you can find cheap insurance quotes but still work with a licensed agent. Buying from and supporting small agencies is still important in Tampa.

Find insurance agent in TampaTo help locate an agent, after submitting this simple form, your insurance coverage information is submitted to local insurance agents in Tampa that can give you free Tampa auto insurance quotes and help you find cheaper coverage. It’s much easier because you don’t need to find an agent because quoted prices will be sent straight to your inbox. If you have a need to get a rate quote from a specific insurance company, you can always find their quoting web page and fill out the quote form the provide.

If you need to find a reliable agent, you must know there are a couple different types of agencies and how they differ in how they can insure your vehicles. Insurance agencies in Tampa can either be exclusive agents or independent agents. Both types of agents can write policy coverage, but it’s good to learn the differences because it can impact which agent you choose.

Independent Insurance Agents (or Brokers)

Agents that elect to be independent often have many company appointments so they can insure your vehicles through many companies and potentially find a lower price. If you are not satisfied with one company, your policy is moved internally without you having to go to a different agency. If you need cheaper insurance rates, you need to compare quotes from several independent agencies to have the best price comparison. Most independent agents also contract with small mutual carriers that may have much lower rates than larger companies.

Featured below is a list of independent agents in Tampa who can help you get free price quotes.

View more Tampa agents

Exclusive Insurance Agencies

Exclusive insurance agents write business for a single company and examples are AAA, Allstate, and State Farm. Exclusive agents are unable to provide other company’s prices so they have no alternatives for high prices. Exclusive agents are well schooled on their company’s products which helps offset the inability to provide other markets. Drivers often buy from the same agent for years primarily because of loyalty to the company and strong financial ratings.

Below is a list of exclusive agencies in Tampa who can help you get price quote information.

View more Tampa agents

Finding the right car insurance agent should include more criteria than just the bottom line cost. The questions below may impact your decision as well.

Final considerations

Budget-conscious Ford Explorer Sport Trac insurance is available both online and from local agencies, and you should compare price quotes from both in order to have the best price selection to choose from. Some companies may not provide the ability to get a quote online and many times these smaller providers provide coverage only through independent agencies.

When getting Tampa auto insurance quotes online, don’t be tempted to reduce coverage to reduce premium. There are a lot of situations where an insured dropped collision coverage only to find out that the few dollars in savings costed them thousands. The proper strategy is to buy the best coverage you can find at an affordable rate, but don’t skip important coverages to save money.

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