Average Insurance Costs:
- Annual Premium: Approximately $948 for liability coverage.
- Monthly Premium: Around $79 per month.
These figures are averages and can vary based on individual circumstances.
Factors Influencing Premiums:
- Driving Record: A clean driving history can lead to lower rates, while violations or accidents may increase premiums.
- Location: Insurance costs can vary by state and city due to factors like traffic density, accident rates, and local regulations.
- Age and Gender: Younger drivers and males often face higher premiums due to statistical risk factors.
- Credit Score: A higher credit score can result in lower insurance rates, as it’s often viewed as an indicator of financial responsibility.
Recommendations:
- Compare Quotes: Obtain quotes from multiple insurers to find the best rate tailored to your circumstances.
- Assess Coverage Needs: While liability insurance covers damages to others in an accident, it doesn’t cover damages to your own vehicle. Ensure that this level of coverage meets your needs.
- Consider Discounts: Inquire about available discounts, such as safe driver discounts, multi-policy bundling, or discounts for safety features equipped in your Explorer.
 ( 33 year old male , Divorced , Colorado ) |
|---|
| Year/Make Model: 2013 Ford Explorer 4D |
| Ownership Status: 2+ years |
| Discounts: EFT and Paperless |
| Selected Coverages With Suncoast |
|---|
| Bodily Injury Liability: $25,000 per person/ $50,000 per accident |
| Property Damage Liability: $25,000 per accident |
| Uninsured Motorist Bodily Injury: Rejected. Comprehensive: 1,000 deductible Collision: 1,000 deductible |
| Other Rejected Coverages: N/A |
One of our Colorado clients was in need of the cheapest insurance he could find. He had been shopping around for a full coverage policy but couldn’t find any carriers or prices that suited his needs. As we looked around we found that Suncoast came in at the cheapest with a monthly payment of $156.58! He was able to obtain this rate with discounts such as Electronic Funds Transfer and Paperless!
Total 6 Month Premium: $939.50
Monthly Installments: $156.58
What We Do at A Plus Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
