Average Insurance Costs:
- Ford Explorer: The average annual insurance cost for a Ford Explorer is approximately $1,355, which is about $113 per month.
Factors Influencing Premiums:
- Vehicle Age and Value: Older vehicles like the 2006 Ford Explorer often have lower market values, which can lead to reduced premiums.
- Driving Record: A clean driving history can result in significant discounts.
- Location: Urban areas may have higher rates due to increased risk factors.
- Coverage Levels: Opting for higher deductibles can lower premiums but will increase out-of-pocket expenses in the event of a claim.
Coverage Recommendations:
For comprehensive protection, consider a full coverage policy that includes:
- Liability Insurance: Covers damages and injuries you may cause to others in an accident.
- Collision Coverage: Pays for damages to your vehicle resulting from a collision, regardless of fault.
- Comprehensive Coverage: Protects against non-collision-related damages such as theft, vandalism, or natural disasters.
Year/Make Model: 2006 Ford Explorer |
Ownership Status: 3 Years or More |
Discounts: Paid in Full, Paperless, Homeowner, Snapshot |
Selected Coverages With Progressive |
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Bodily Injury Liability: $50,000 / $100,000 |
Property Damage Liability: $50,000 |
Uninsured Motorist Bodily Injury: No Coverage Comprehensive: No Coverage Collision: No Coverage |
Other Rejected Coverages: Medical Payments, Uninsured Motorist, Comprehensive, Collision, Rental Reimbursement, & Roadside Assistance |
Total 6 Month Premium: $347.50
Monthly Installments: Paid in Full
This is a quote a client received on their 2006 Ford Explorer with Progressive through A Plus Insurance. They have liability only on their policy, however, they increased those limits rather than keeping Colorado’s State minimum. The client can always call in to update or add additional coverages to their policy such as rental reimbursement or roadside assistance (although the premium price would change.)
Next Steps:
To obtain personalized quotes:
- Gather Vehicle Information: Have details like your vehicle identification number (VIN) and mileage ready.
- Assess Your Coverage Needs: Consider your financial situation and how much coverage you’re comfortable with.
- Compare Quotes: Use online calculators from providers like Progressive progressive.com
- Consult with an Insurance Agent: They can provide tailored advice and help you find discounts you may qualify for.
By carefully evaluating your options and comparing quotes, you can secure comprehensive coverage for your 2006 Ford Explorer at a competitive rate in South Carolina.