It’s an obvious assumption that car insurance companies want to keep you from comparing prices. Insureds who rate shop once a year are highly likely to switch auto insurance companies because the odds are good of finding more affordable rates. A study discovered that consumers who made a habit of comparing rates saved about $70 a month compared to drivers who didn’t regularly shop around.
If finding the cheapest price on Ford Explorer Sport Trac insurance in Buffalo is the reason for your visit, then having a grasp of the best way to compare car insurance can make the process more efficient.
If you want to find the absolute lowest rates, then the best way to find discount Ford Explorer Sport Trac insurance is to regularly compare prices from companies who can sell car insurance in Buffalo. You can shop around by following these steps.
- Step 1: Try to understand how insurance works and the factors you can control to lower rates. Many policy risk factors that result in higher rates such as traffic tickets, fender benders, and a low credit rating can be amended by making minor changes in your lifestyle.
- Step 2: Compare prices from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can give quotes from a single company like Progressive or State Farm, while independent agents can provide price quotes from multiple sources. View a list of agents
- Step 3: Compare the new rates to your current policy to determine if switching companies saves money. If you find better rates and buy the policy, ensure there is no coverage lapse between policies.
- Step 4: Tell your current company to cancel your current coverage. Submit the required down payment along with the signed application to your new agent or company. Once the paperwork is finalized, keep your new proof of insurance paperwork in an easily accessible location.
The key aspect of shopping around is to use the same liability limits and deductibles on each quote and and to compare as many companies as possible. Doing this enables a fair price comparison and plenty of rates choose from.
Cheapest companies for Ford Explorer Sport Trac insurance in New York
The companies in the list below are our best choices to provide free rate quotes in Buffalo, NY. To find the best cheap car insurance in Buffalo, we recommend you compare several of them in order to find the cheapest rates.
Ford Explorer Sport Trac coverage statistics
The premium information shown below showcases detailed analysis of policy rates for Ford Explorer Sport Trac models. Having a good grasp of how insurance quotes are calculated can help guide drivers when making smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Explorer Sport Trac XLT 2WD | $126 | $178 | $346 | $20 | $104 | $774 | $65 |
| Explorer Sport Trac Limited 2WD | $144 | $178 | $346 | $20 | $104 | $792 | $66 |
| Explorer Sport Trac XLT 4WD | $144 | $178 | $346 | $20 | $104 | $792 | $66 |
| Explorer Sport Trac Limited 4WD | $162 | $216 | $346 | $20 | $104 | $848 | $71 |
| Explorer Sport Trac Limited AWD | $162 | $216 | $346 | $20 | $104 | $848 | $71 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and New York minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Rate quotes do not factor in zip code location which can modify coverage rates considerably.
Car insurance deductibles
One of the hardest decisions when shopping for car insurance is at what level do you set your deductibles. The data tables below highlight the premium difference when you select higher and lower deductibles. The first rate table uses a $100 deductible for physical damage and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Explorer Sport Trac XLT 2WD | $198 | $338 | $264 | $16 | $80 | $921 | $77 |
| Explorer Sport Trac Limited 2WD | $228 | $338 | $264 | $16 | $80 | $951 | $79 |
| Explorer Sport Trac XLT 4WD | $228 | $338 | $264 | $16 | $80 | $951 | $79 |
| Explorer Sport Trac Limited 4WD | $258 | $412 | $264 | $16 | $80 | $1,055 | $88 |
| Explorer Sport Trac Limited AWD | $258 | $412 | $264 | $16 | $80 | $1,055 | $88 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Explorer Sport Trac XLT 2WD | $144 | $228 | $264 | $16 | $80 | $732 | $61 |
| Explorer Sport Trac Limited 2WD | $166 | $228 | $264 | $16 | $80 | $754 | $63 |
| Explorer Sport Trac XLT 4WD | $166 | $228 | $264 | $16 | $80 | $754 | $63 |
| Explorer Sport Trac Limited 4WD | $188 | $278 | $264 | $16 | $80 | $826 | $69 |
| Explorer Sport Trac Limited AWD | $188 | $278 | $264 | $16 | $80 | $826 | $69 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and New York minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rate information does not factor in specific location information which can influence premium rates noticeably.
Using the premium rates above, we can conclude that using a $100 deductible costs approximately $17 more each month or $204 a year than buying the higher $500 deductible. Since you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you normally go at least 24 months between claim filings, you would probably be better off if you choose a higher deductible.
Get lower-cost Ford Explorer Sport Trac insurance in Buffalo with discounts
The cost of insuring your cars can be expensive, but you can get discounts that could drop your premiums quite a bit. Certain discounts will be triggered automatically when you quote, but less common discounts must be specifically requested before they will apply.
- Telematics Devices – Insureds who allow data collection to look at when and where they use their vehicle by using a telematics device like Drivewise from Allstate or In-Drive from State Farm may see discounts if they are good drivers.
- Payment Method – If paying your policy premium upfront rather than paying in monthly installments you can avoid the installment charge.
- Claim Free – Insureds with no claims or accidents can earn big discounts when compared to accident-prone drivers.
- Auto/Life Discount – Select companies reward you with a discounted price on car insurance if you buy life insurance.
- Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle their seat belts can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
While discounts sound great, it’s important to understand that some of the credits will not apply to the entire policy premium. Most cut the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, it just doesn’t work that way. Any amount of discount will lower the amount you have to pay.
The information below shows the difference between Ford Explorer Sport Trac insurance costs with and without some available policy discounts. The rates are based on a male driver, no tickets, no at-fault accidents, New York state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, claim-free, homeowner, multi-car, and safe-driver discounts applied.
Companies that may offer quotes with most of the discounts above may include but are not limited to:
Check with each company what discounts are available to you. Some of the discounts discussed earlier might not apply in Buffalo. To choose companies with discount rates in New York, click here to view.
Local Buffalo auto insurance agents
Many drivers prefer to talk to a local agent and that is recommended in a lot of cases Good agents can help determine the best coverages and help in the event of a claim. The biggest benefit of comparing car insurance online is that you can find cheaper rates and also buy local.
After completing this quick form, your information is instantly submitted to local insurance agents who will give you quotes for your business. It makes it easy because there is no need to do any legwork since rate quotes are delivered to you directly. If you want to compare prices for a specific company, you just need to go to their quote page to submit a rate quote request.
Choosing an provider should include more criteria than just the quoted price. These questions are important to ask:
- How much experience to they have in personal lines coverages?
- Is the quote a firm price?
- What kind of financial rating does the company have?
- Can glass repairs be made at your home?
- Will they make sure you get an adequate claim settlement?
- Does the agent have a valid license to sell insurance in New York?
- Do they write coverage based solely on cost?
When looking for a reliable agent, there are two different types of agencies and how they work. Car insurance agents are considered either independent agents or exclusive agents depending on their employer. Both sell and service car insurance coverage, but it’s worth mentioning the difference in how they write coverage because it can factor into which agent you choose.
Exclusive Agents
Exclusive agents can only place business with one company and examples are Farmers Insurance, State Farm, or Allstate. They generally cannot provide rate quotes from other companies so keep that in mind. These agents are well schooled on their company’s products which helps them sell on service rather than price. Some consumers prefer to purchase coverage from exclusives mainly due to the brand legacy instead of buying on price only.
Listed below is a list of exclusive insurance agents in Buffalo willing to provide price quote information.
- Progressive Insurance – Buffalo Service Center
6699 Transit Road – Buffalo, NY 14221 – (716) 810-1500 – View Map - Farmers Insurance – Toni Du Bois
2460 Main St – Buffalo, NY 14214 – (716) 931-5200 – View Map - Lou Santiago – State Farm Insurance Agent
557 Niagara St – Buffalo, NY 14201 – (716) 883-5500 – View Map
Independent Agencies or Brokers
These type of agents are not employed by one company and that allows them to write policies with a variety of different insurance companies and potentially find a lower price. If premiums increase, they can switch companies in-house which makes it simple for you. When comparing rate quotes, you should always include independent agents to ensure the widest selection of prices. Most can insure with companies that do not advertise much which can save you money.
Shown below are Buffalo independent agents that can give you price quote information.
- Gallego Agency
572 Amherst St – Buffalo, NY 14207 – (716) 854-2800 – View Map - Nationwide Insurance: Debra R Hamsher
1101 Niagara Falls Blvd – Buffalo, NY 14226 – (716) 833-1900 – View Map - Burch Insurance Agency
4180 Bailey Ave – Buffalo, NY 14226 – (716) 830-3417 – View Map
If you get acceptable answers and a good coverage price, it’s possible that you found an insurance agent that can be trusted to properly service your car insurance policy.
Persistence is the key to cheap rates
A few companies may not offer online quoting and usually these regional insurance providers only sell coverage through independent agencies. Cheap Ford Explorer Sport Trac insurance in Buffalo is possible online in addition to local insurance agencies, so compare prices from both to get a complete price analysis.
People change insurance companies for any number of reasons including high prices, not issuing a premium refund, policy cancellation or even an unsatisfactory settlement offer. Regardless of your reason, switching companies can be less work than you think.
You just read some good ideas how to compare Ford Explorer Sport Trac insurance prices in Buffalo. The most important thing to understand is the more companies you get rates for, the higher your chance of finding inexpensive Buffalo auto insurance quotes. You may even discover the lowest prices come from some of the smallest insurance companies.
To learn more, link through to the resources below:
- Understanding Rental Car Insurance (Insurance Information Institute)
- Who Has Cheap Auto Insurance for Drivers Under 21 in Buffalo? (FAQ)
- Who Has Cheap Car Insurance for a Dodge Ram in Buffalo? (FAQ)
- Who Has Affordable Buffalo Auto Insurance for Nurses? (FAQ)
- Who Has Affordable Buffalo Car Insurance Quotes for Drivers Requiring a SR22? (FAQ)
- Driving in Bad Weather (Insurance Information Institute)
- Understanding your Policy (NAIC.org)