Colorado Liability Insurance: 2013 Ford Explorer 4D

Insuring a 2013 Ford Explorer 4D with liability coverage in Colorado involves several factors, including your driving history, location, and the specific insurance provider. Here’s an overview based on available data:

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.
safe driver 2( 33 year old male , Divorced , Colorado )
Year/Make Model: 2013 Ford Explorer 4D
Ownership Status: 2+ years
Discounts: EFT and Paperless
2013 Ford Explorer 4D
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

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