Are you researching lower-priced Ford Explorer insurance in Columbia? Frustrated by the crazy number of car insurance companies in your area? You're not alone. South Carolina consumers have so many choices that it can easily become a challenge to lower your prices for Ford Explorer insurance in Columbia. Everyone knows that Columbia is the perfect city to reside in, but inflated car insurance prices can make it hard to afford coverage.

Insurance rates Ford Explorer in ColumbiaA recent NerdWallet.com study revealed that a large majority of car insurance policyholders have purchased from the same company for well over three years, and 38% of customers have never quoted car insurance rates at all. With the average premium in South Carolina being $1,429, drivers could cut their rates by roughly 55% a year just by shopping around, but they underestimate how much they could save if they switch to a new company.

How Your Explorer Insurance Prices are Determined

An important part of buying insurance is that you know some of the elements that come into play when calculating your premiums. When consumers understand what determines premiums, this enables you to make decisions that can earn you better auto insurance rates.

The factors shown below are some of the things used by your company to calculate your rates.

There are several ways of comparing price quotes from many different South Carolina insurance companies. One of the best ways to find competitive insurance rates is to perform an online rate comparison. Keep in mind that having more price comparisons gives you a better chance of getting a better price. Some companies don't provide price estimates online, so you should also compare prices on coverage from those companies, too.

The companies shown below have been selected to offer price comparisons in Columbia, SC. If multiple companies are shown, we recommend you get price quotes from several of them in order to find the cheapest rates.

Ford Explorer Insurance Price Estimates in Columbia, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $156 $260 $444 $26 $132 $1,018 $85
Explorer Eddie Bauer 2WD $254 $412 $444 $26 $132 $1,268 $106
Explorer XLT 4WD $258 $420 $412 $24 $124 $1,238 $103
Explorer XLT AWD $214 $294 $342 $20 $102 $972 $81
Explorer Eddie Bauer 4WD $242 $358 $342 $20 $102 $1,064 $89
Explorer Eddie Bauer AWD $332 $530 $342 $20 $102 $1,326 $111
Explorer Limited 2WD $286 $502 $444 $26 $132 $1,390 $116
Explorer Limited 4WD $332 $530 $342 $20 $102 $1,326 $111
Explorer Limited AWD $256 $436 $358 $22 $108 $1,180 $98
Get Your Own Custom Quote Go

Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Rate information does not factor in specific garaging location which can lower or raise rates noticeably.

Annual premiums for males versus females

The diagram below illustrates the difference between Ford Explorer annual premium costs for male and female drivers. The premiums are based on no accidents or driving violations, full physical damage coverage, $100 deductibles, single marital status, and no policy discounts are applied.

Raise deductibles and save

One of the more difficult decisions when buying auto insurance is how high should the deductibles for physical damage be. The rates shown below approximate the rate difference between high and low comp and collision deductibles. The first set of rates uses a $100 comprehensive and collision deductible and the second set of rates uses a $1,000 deductible.

Ford Explorer insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $294 $436 $342 $20 $102 $1,219 $102
Explorer Eddie Bauer 2WD $294 $436 $342 $20 $102 $1,219 $102
Explorer XLT 4WD $294 $436 $342 $20 $102 $1,219 $102
Explorer XLT AWD $294 $436 $342 $20 $102 $1,219 $102
Explorer Eddie Bauer 4WD $332 $530 $342 $20 $102 $1,351 $113
Explorer Eddie Bauer AWD $332 $530 $342 $20 $102 $1,351 $113
Explorer Limited 2WD $332 $530 $342 $20 $102 $1,351 $113
Explorer Limited 4WD $332 $530 $342 $20 $102 $1,351 $113
Explorer Limited AWD $332 $530 $342 $20 $102 $1,351 $113
Get Your Own Custom Quote Go
Ford Explorer insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $162 $230 $342 $20 $102 $856 $71
Explorer Eddie Bauer 2WD $162 $230 $342 $20 $102 $856 $71
Explorer XLT 4WD $162 $230 $342 $20 $102 $856 $71
Explorer XLT AWD $162 $230 $342 $20 $102 $856 $71
Explorer Eddie Bauer 4WD $184 $280 $342 $20 $102 $928 $77
Explorer Eddie Bauer AWD $184 $280 $342 $20 $102 $928 $77
Explorer Limited 2WD $184 $280 $342 $20 $102 $928 $77
Explorer Limited 4WD $184 $280 $342 $20 $102 $928 $77
Explorer Limited AWD $184 $280 $342 $20 $102 $928 $77
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Prices do not factor in garaging location in Columbia which can revise prices greatly.

Based on the figures above, using a $100 deductible will cost you roughly $34 more each month or $408 every year than quoting the higher $1,000 deductible. Because you would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have at least 26 months between claims, you would more than likely save some money if you decide on a higher deductible.

An analysis of deductible level

The chart below demonstrates how deductibles and can raise or lower Ford Explorer insurance premiums for different insured age categories. The costs are based on a married male driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Here's why car insurance is not optional

Despite the high cost of buying insurance for a Ford Explorer in Columbia, insuring your vehicle is mandatory in South Carolina but it also protects more than you think.

First, almost all states have minimum liability requirements which means the state requires a specific level of liability if you want to drive legally. In South Carolina these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if your vehicle has a loan, it's guaranteed your bank will require that you buy insurance to ensure the loan is repaid in case of a total loss. If the policy lapses, the bank will be required to insure your Ford at a more expensive rate and force you to pay a much higher amount than you were paying before.

Third, car insurance protects not only your vehicle but also your assets. It will also provide coverage for hospital and medical expenses that are the result of an accident. One of the most valuable coverages, liability insurance, also covers all legal expenses up to the policy limit if you cause an accident and are sued. If damage is caused by hail or an accident, comprehensive (other-than-collision) and collision coverage will pay to have it repaired.

The benefits of buying car insurance are without a doubt worth the cost, especially if you ever need it. Unknowingly, the average driver is wasting up to $865 each year so compare rates each time the policy renews to make sure the price is not too high.

Cheap Columbia insurance quotes with discounts

Companies offering auto insurance don't necessarily list their entire list of discounts very well, so the next list breaks down both the well known as well as the least known credits available to bring down your rates.Cheaper insurance with discounts

As a sidenote, some of the credits will not apply to all coverage premiums. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. Despite the fact that it seems like you would end up receiving a 100% discount, companies don't profit that way.

A partial list of companies that may offer quotes with these benefits may include but are not limited to:

Before you buy a policy, ask each company or agent which discounts you qualify for. Some discounts listed above might not be available to policyholders in your state. To find insurance companies that offer some of these discounts in South Carolina, click here to view.

Comparing quotes from local Columbia auto insurance agents

Certain consumers just want to get professional advice from a licensed agent and that can be a great decision One of the great benefits of getting online price quotes is that drivers can save money and get better rates and still choose a local agent. And buying from local agencies is still important in Columbia.

Columbia insurance agentsAfter filling out this form (opens in new window), your insurance data is instantly submitted to agents in your area who can give free rate quotes for your auto insurance coverage. You won't need to search for an agent since price quotes are sent to you. It's the lowest rates AND a local agent. If you have a need to get a comparison quote from a specific auto insurance provider, you just need to search and find their rate quote page and give them your coverage information.

When looking for local Columbia agents, it's important to understand the types of agencies and how they differ in how they can insure your vehicles. Auto insurance agents in Columbia are considered either independent agents or exclusive agents.

Independent Auto Insurance Agents

Agents that choose to be independent do not have single company limitations and that gives them the ability to insure with lots of companies enabling the ability to shop coverage around. If you want to switch companies, they can switch companies in-house and you can keep the same agent.

When comparing rate quotes, you definitely need to contact at a minimum one independent agency for maximum quote selection. Many can place coverage with companies that do not advertise much who may have lower rates.

Below is a partial list of independent agencies in Columbia that may be able to give you price quotes.

More insurance agents

Exclusive Auto Insurance Agencies

These agents have only one company to place business with like American Family, State Farm, and Allstate. They are unable to compare other company's rates so they are skilled at selling on more than just price. Exclusive agents receive a lot of sales training on the products they sell which helps them sell insurance even at higher premiums. A lot of people choose to use an exclusive agent mostly because of the brand and the convenience of having a single billing for all their coverages.

Shown below is a short list of exclusive insurance agents in Columbia willing to provide price quotes.

More insurance agents

Choosing the best insurance agent should include more criteria than just a low price. Agents should be asked these questions:

It's not one size fits all

When selecting coverage, there is no best way to insure your cars. Each situation is unique.Insurance savings

Here are some questions about coverages that can aid in determining if your insurance needs would benefit from an agent's advice.

If you're not sure about those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

Cheap car insurance is out there

Cheaper car insurance in Columbia can be bought from both online companies and from local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. There are still a few companies who do not provide online rate quotes and many times these small insurance companies sell through independent agencies.

We've covered some good ideas how to shop for Ford Explorer insurance online. The key thing to remember is the more times you quote, the better likelihood of getting low cost Columbia auto insurance quotes. You may even discover the best price on car insurance is with a small mutual company.

Consumers switch companies for a number of reasons such as not issuing a premium refund, poor customer service, high rates after DUI convictions and even being labeled a high risk driver. Whatever your reason, finding the right car insurance provider can be easy and end up saving you some money.

More detailed car insurance information is available at these sites: