Average Insurance Costs:
- 1997 Ford Explorer:
- Monthly Premium: Approximately $27 for minimum coverage.
- 2012 Ford Fusion:
- Annual Premium: Approximately $1,686.
- Monthly Premium: Around $141.
Please note that these figures are averages and can vary based on individual circumstances.
Factors Influencing Premiums:
- Vehicle Age and Model: Older vehicles like the 1997 Explorer often have lower premiums due to decreased market value. However, the model’s safety features and repair costs can also impact rates.
- Driving Record: A clean driving history typically results in lower premiums, while violations or accidents can increase costs.
- Location: Insurance costs can vary based on regional factors such as traffic density, accident rates, and local regulations.
- Coverage Limits: Opting for higher liability limits will increase premiums but provide greater financial protection in the event of an accident.
| Single mother with two teenage daughters in South Carolina |
|---|
| Year/Make Model: 1997 Ford Explorer |
| Ownership Status: Own |
| Discounts: Paperless, EFT, Education discount, 5 year accident free, snapshot savings, multi-car, continuous insurance |
| Selected Coverages With Progressive |
|---|
| Bodily Injury Liability: $25,000 per person, $50,000 per accident |
| Property Damage Liability: $25,000 |
| Uninsured Motorist Bodily Injury: 25/50 Comprehensive: N/A Collision: N/A |
| Other Rejected Coverages: Medical Payments, Roadside and Rental |
| Single mother with two teenage daughters in South Carolina |
|---|
| Year/Make Model: 2012 Ford Fusion |
| Ownership Status: Own |
| Discounts: Paperless, EFT, Education discount, 5 year accident free, snapshot savings, multi-car, continuous insurance |
| Selected Coverages With Progressive |
|---|
| Bodily Injury Liability: $25,000 per person, $50,000 per accident |
| Property Damage Liability: $25,000 |
| Uninsured Motorist Bodily Injury: 25/50 Comprehensive: N/A Collision: N/A |
| Other Rejected Coverages: Medical Payments, Roadside and Rental |
We helped a single parent family find basic insurance that fits all their needs. They own a 1997 Ford Explorer and a 2012 Ford Fusion. Switch to progressive saved them about $150 from the carrier they were with. They qualified for a lot of discounts and had a very clean driving record.
Total 6 Month Premium: $1,190.00
Monthly Installments: $203.00
Recommendations:
- Compare Quotes: Obtain quotes from multiple insurers to find the best rate tailored to your specific circumstances.
- Assess Coverage Needs: While liability-only coverage meets minimum legal requirements, consider whether additional coverage options are necessary based on your personal situation and the value of your vehicles.
- Consider Discounts: Inquire about available discounts, such as those for safe driving records, bundling multiple vehicles, or installing safety features.
What We Do at A Plus Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
