It goes without saying that insurance companies don’t want you to look for cheaper rates. Insureds who do rate comparisons are inclined to buy a different policy because the odds are good of finding a policy with more affordable rates. A recent survey revealed that drivers who routinely compared quotes saved as much as $70 a month compared to people who never shopped for cheaper rates.
If finding the lowest price for car insurance in Stockton is why you’re here, then having a grasp of how to quote and compare coverages can help simplify the process.
The best way we recommend to find cheaper auto insurance rates in Stockton is to start comparing prices yearly from providers in California. This can be done by following these steps.
Step 1: Spend some time learning about how companies set rates and the modifications you can make to prevent high rates. Many rating criteria that drive up the price like at-fault accidents, speeding tickets, and your credit history can be eliminated by making minor changes in your lifestyle. Later in this article we will cover additional tips to lower rates and get discounts that may be available to you.
Step 2: Get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from a single company like GEICO or State Farm, while independent agents can provide rate quotes from many different companies. Compare rates now
Step 3: Compare the new rate quotes to the price on your current policy and see if you can save money. If you can save money, ensure coverage does not lapse between policies.
Step 4: Provide written notification to your current company to cancel your current car insurance policy and submit payment and a completed application for your new coverage. Be sure to put the new certificate verifying coverage with your registration paperwork.
An important bit of advice to remember is to make sure you enter identical coverages on every price quote and and to compare as many car insurance companies as possible. Doing this guarantees a fair price comparison and the best price selection.
The fastest way that we advise to compare rate quotes for Ford Explorer insurance in Stockton is to realize auto insurance companies actually pay money for the chance to compare their rates. The only thing you need to do is take a few minutes to give details like whether you have decent credit, the make and model of your vehicles, daily mileage, and how much education you have. That information is instantly provided to many of the top insurers and you get price estimates very quickly.
To start a quote now, click here and enter your zip code.
The companies shown below can provide free quotes in Stockton, CA. If the list has multiple companies, we recommend you get price quotes from several of them in order to get a fair rate comparison.
Three reasons to insure your Ford Explorer
Even though it’s not necessarily cheap to insure a Ford in Stockton, car insurance may be required and benefits you in several ways.
- Almost all states have mandatory insurance requirements which means the state requires specific minimum amounts of liability coverage if you drive a vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you took out a loan on your Ford Explorer, it’s guaranteed your bank will make it a condition of the loan that you carry insurance to ensure the loan is repaid in case of a total loss. If you default on your policy, the lender may have to buy a policy to insure your Ford at a much higher rate and require you to fork over much more than you were paying before.
- Insurance protects both your Ford Explorer and your personal assets. It will also reimburse you for medical expenses for yourself as well as anyone injured by you. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, your policy will pay to have it repaired.
The benefits of carrying enough insurance more than offset the price you pay, especially for larger claims. But the average American driver is overpaying more than $700 annually so you should quote rates once a year at a minimum to make sure the price is not too high.
Insurance coverage analysis
The coverage table below covers different insurance costs for Ford Explorer models. Being aware of how insurance policy rates are determined can be useful when making informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Explorer XLT 2WD | $294 | $464 | $464 | $28 | $138 | $1,388 | $116 |
| Explorer Eddie Bauer 2WD | $294 | $464 | $464 | $28 | $138 | $1,388 | $116 |
| Explorer XLT 4WD | $294 | $464 | $464 | $28 | $138 | $1,388 | $116 |
| Explorer XLT AWD | $294 | $464 | $464 | $28 | $138 | $1,388 | $116 |
| Explorer Eddie Bauer 4WD | $332 | $564 | $464 | $28 | $138 | $1,526 | $127 |
| Explorer Eddie Bauer AWD | $332 | $564 | $464 | $28 | $138 | $1,526 | $127 |
| Explorer Limited 2WD | $332 | $564 | $464 | $28 | $138 | $1,526 | $127 |
| Explorer Limited 4WD | $332 | $564 | $464 | $28 | $138 | $1,526 | $127 |
| Explorer Limited AWD | $332 | $564 | $464 | $28 | $138 | $1,526 | $127 |
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Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Rate quotes do not factor in specific Stockton garaging location which can lower or raise premium rates noticeably.
The information below highlights how deductible choice and can change Ford Explorer annual premium costs for each age group. The rate quotes are based on a married female driver, full physical damage coverage, and no additional discounts are factored in.
Affordable rates on Ford Explorer insurance in Stockton with these discounts
Auto insurance is neither fun to buy or cheap, but you may find discounts to cut the cost considerably. Many discounts should be triggered when you complete an application, but some need to be asked for before you get the savings.
- Auto/Home Discount – If you have multiple policies with the same insurance company you may save up to 20% off your total Explorer insurance premium.
- Accident Forgiveness – This one isn’t a discount, but a few companies such as Liberty Mutual, Allstate and State Farm will let one accident slide without getting socked with a rate hike if you have no claims prior to being involved in the accident.
- Discount for Life Insurance – Larger insurance companies have a lower premium rate if you buy life insurance.
- Online Discount – Certain companies will give a small break simply for signing on the internet.
- Employee of Federal Government – Having worked for a branch of the government could cut as much as 10% off with certain companies.
- Save with a New Car – Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new vehicles.
- Payment Discounts – If you pay your bill all at once as opposed to paying monthly you can avoid the installment charge.
- Responsible Drivers – Safe drivers can pay as much as 50% less as compared to drivers with claims.
- More Vehicles More Savings – Purchasing coverage when you have multiple cars on the same auto insurance policy can reduce rates for all insured vehicles.
- Driver Safety – Taking a class that teaches defensive driving techniques could cut 5% off your bill and make you a better driver.
Please keep in mind that most credits do not apply to the entire policy premium. Most only cut the cost of specific coverages such as liability and collision coverage. Just because it seems like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.
The example below shows the comparison of Ford Explorer auto insurance rates with and without discounts applied to the rates. The rate quotes are based on a female driver, no claims, a clean driving record, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, safe-driver, multi-policy, claim-free, and homeowner discounts applied.
A partial list of companies that have some of the discounts shown above include:
When getting free Stockton car insurance quotes, it’s a good idea to each insurance company the best way to save money. Savings might not be available to policyholders everywhere.
How to find a good California car insurance company
Choosing the right car insurance provider is difficult considering how many different companies sell coverage in California. The rank data listed below can help you choose which auto insurers you want to consider comparing prices from.
Top 10 Stockton Car Insurance Companies Overall
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Top 10 Stockton Car Insurance Companies Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family