Overwhelmed by the number of car insurance choices in Chicago? Lot’s of other drivers are too. Consumers have so many choices that it can turn into a difficult challenge to locate the lowest prices for Ford Explorer Sport Trac insurance in Chicago. Chicago is the perfect city to reside in, but high car insurance premiums can make it nearly impossible for many drivers to pay for enough car insurance coverage.
Unthinkable but true, most car insurance buyers have remained with the same car insurance company for at least four years, and practically 40% of car insurance customers have never shopped around. Many drivers in Chicago could save almost $600 each year just by shopping around, but they just don’t want to do a rate comparison.
Best companies for Ford Explorer Sport Trac insurance
The companies shown below provide quotes in Illinois. If multiple providers are shown, we recommend you visit as many as you can in order to find the most affordable rates.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Explorer Sport Trac XLT 2WD | $84 | $150 | $250 | $14 | $76 | $574 | $48 |
| Explorer Sport Trac Limited 2WD | $198 | $322 | $316 | $18 | $94 | $948 | $79 |
| Explorer Sport Trac XLT 4WD | $176 | $284 | $250 | $14 | $76 | $800 | $67 |
| Explorer Sport Trac Limited 4WD | $246 | $398 | $266 | $16 | $80 | $1,006 | $84 |
| Explorer Sport Trac Limited AWD | $220 | $334 | $266 | $16 | $80 | $916 | $76 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Illinois minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Rate information does not factor in your specific Chicago location which can alter premiums significantly.
Rate comparison of men versus women in Chicago
The information below shows the comparison of Ford Explorer Sport Trac car insurance costs for male and female drivers. The rate quotes are based on no accidents or driving violations, comp and collision included, $1,000 deductibles, drivers are single, and no additional discounts are factored in.
Determine discounts on Chicago insurance
The cost of insuring your cars can be expensive, but you can get discounts that can drop the cost substantially. Many discounts should be triggered at the time of purchase, but a few must be asked for before being credited. If you are not receiving all the discounts available, you may be paying too high a price.
- Telematics Data – Insureds who allow driving data submission to scrutinize their driving habits by using a telematics device such as Progressive’s Snapshot could possibly reduce rates if their driving habits are good.
- First Accident Forgiveness – This one is not really a discount per se, but companies like Allstate, State Farm and GEICO may permit one accident before your rates go up if you have no claims for a certain period of time.
- Air Bags and Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts as much as 30%.
- Safe Driver Discounts – Insureds without accidents can save up to 40% or more on their Chicago car insurance quote than less cautious drivers.
- Good Student – Getting good grades can get you a discount of up to 25%. Most companies allow this discount well after school through age 25.
- Professional Memberships – Participating in a qualifying organization is a simple method to lower premiums on your bill.
- Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for a small discount on rates.
- Discounts for Government Workers – Active or retired federal employment may qualify for a discount when you quote Chicago car insurance with select insurance companies.
- Low Mileage Discounts – Low annual miles could earn slightly better prices than normal.
- Drivers Education – Reduce the cost of insurance for teen drivers by having them complete a driver education course in high school.
As a footnote on discounts, most discounts do not apply to the entire policy premium. A few only apply to individual premiums such as collision or personal injury protection. Despite the fact that it seems like it’s possible to get free car insurance, companies don’t profit that way.
To find insurance companies who offer online Ford Explorer Sport Trac insurance quotes in Illinois, click this link.
Local agents and auto insurance
A lot of people prefer to buy from a local agent and that can be a smart move A nice benefit of getting online price quotes is the fact that you can find cheaper rates and also buy local. Supporting local insurance agents is important particularly in Chicago.
Once you complete this simple form, your insurance data gets sent to companies in Chicago who will gladly provide quotes for your business. It makes it easy because there is no need to contact any agents due to the fact that quote results will go to you. It’s the lowest rates without having to waste a lot of time. If you need to quote rates from a specific insurance company, just search and find their rate quote page and fill out their quote form.
Independent or Exclusive: It’s your choice
When researching a reputable insurance agent or broker, it’s helpful to know the types of agencies and how they can service your needs differently. Agents may be either independent or exclusive.
Independent Insurance Agents
These agents are not employed by any specific company so they can write business with an assortment of companies and find you cheaper rates. If premiums increase, an independent agent can move your coverage and you don’t have to do anything.
When searching for an agent, you will definitely want to include rate quotes from at a minimum one independent agency in order to have the best price comparison. Most have the option of insuring with companies that do not advertise much that many times have cheaper rates.
Featured below is a list of independent insurance agencies in Chicago who may provide free auto insurance quotes.
- Beyer Insurance Agency
35 E Upper Wacker Dr #1730 – Chicago, IL 60601 – (312) 922-5300 – View Map - Amigo Insurance Agency
5902 W Fullerton Ave – Chicago, IL 60639 – (877) 999-2644 – View Map - Zeiler Insurance Services, Inc.
3660 E 106th St – Chicago, IL 60617 – (773) 375-3600 – View Map
Exclusive Agencies
Agents that choose to be exclusive can only quote rates from one company such as Farmers Insurance or State Farm. Exclusive agents cannot give you multiple price quotes so you need to shop around if the rates are high. They receive extensive training on what they offer which helps overcome the inability to quote other rates. Consumers frequently choose to use an exclusive agent primarily because of the prominence of the brand and solid financial strength.
Below are exclusive insurance agents in Chicago that can give you comparison quotes.
- Gus Andrade – State Farm Insurance Agent
4355 W 26th St – Chicago, IL 60623 – (773) 521-0216 – View Map - Linda Kuczka – State Farm Insurance Agent
954 W Webster Ave – Chicago, IL 60614 – (773) 975-9111 – View Map - Liane Williams – State Farm Insurance Agent
3143 W 71st St – Chicago, IL 60629 – (773) 436-7500 – View Map
Deciding on an auto insurance agent requires you to look at more than just a cheap price. The answers to these questions are important, too.
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- How often do they review policy coverages?
- Who is covered by the car insurance policy?
- Will the quote change when the policy is issued?
- What companies can they write with?
- Will high miles depreciate repair valuations?
But they said I’d save $382 a year!
Auto insurance providers like Allstate and Progressive constantly bombard you with ads in print and on television. They all say the same thing about saving some big amount just by moving to them. It sounds good, but how can they all claim to save you money? You have to listen carefully.
Insurance providers give the best rates for the type of insured that makes them money. An example of a profitable risk profile could be between 30 and 50, has a clean driving record, and drives newer vehicles. Any customer that meets those criteria will get very good Chicago premium rates as well as save if they switch.
Potential insureds who do not fit this stringent profile must pay more expensive rates which translates to the customer not buying. If you listen to the ad wording, they say “customers that switch” not “all people who quote” save that much when switching. That’s the way insurance companies can confidently advertise the savings.
That is why it is so important to do a rate comparison at every renewal. It’s just too difficult to predict with any certainty which company will provide the lowest Ford Explorer Sport Trac insurance in Chicago.
Insurance coverage specifics
Learning about specific coverages of your insurance policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement.
Comprehensive coverage
Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage protects against claims such as falling objects, a tree branch falling on your vehicle and damage from getting keyed. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Uninsured/Underinsured Motorist coverage
This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.
Due to the fact that many Illinois drivers only carry the minimum required liability limits (Illinois limits are 20/40/15), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Normally these coverages do not exceed the liability coverage limits.
Collision insurance
This coverage pays for damage to your Explorer Sport Trac caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision can pay for claims like backing into a parked car, colliding with a tree and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible on your Explorer Sport Trac to bring the cost down.
Medical payments coverage and PIP
Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like rehabilitation expenses, ambulance fees, X-ray expenses and nursing services. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage
Liability car insurance
Liability coverage can cover damages or injuries you inflict on a person or their property. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 20/40/15 that means you have $20,000 in coverage for each person’s injuries, a limit of $40,000 in injury protection per accident, and $15,000 of coverage for damaged property. Another option is a combined limit which limits claims to one amount rather than limiting it on a per person basis.
Liability insurance covers things like medical services, legal defense fees, repair costs for stationary objects and bail bonds. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible. Illinois requires minimum liability limits of 20/40/15 but it’s recommended drivers buy higher limits.
You can find cheaper coverage
As you shop your coverage around, it’s very important that you do not skimp on critical coverages to save a buck or two. In many instances, consumers will sacrifice full coverage and learned later they didn’t purchase enough coverage. Your aim should be to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.
Drivers switch companies for many reasons like extreme rates for teen drivers, high prices, high rates after DUI convictions and even denial of a claim. It doesn’t matter why you want to switch finding a new car insurance company can be easier than you think.
We just covered a lot of information how to find affordable Ford Explorer Sport Trac insurance in Chicago. The key thing to remember is the more providers you compare, the better likelihood of getting inexpensive Chicago car insurance quotes. Consumers may even find the lowest auto insurance rates come from the least-expected company.
More information is available at these links:
- Speed and Speed Limit FAQ (iihs.org)
- Who Has Cheap Chicago Auto Insurance for a GMC Acadia? (FAQ)
- What Auto Insurance is Cheapest for a Dodge Ram in Chicago? (FAQ)
- Who Has the Cheapest Car Insurance Rates for Ride Shares in Chicago? (FAQ)
- Red Light Cameras (State Farm)
- Vehicle Insurance (Wikipedia)
- Can I Drive Legally without Insurance? (Insurance Information Institute)
- How to Avoid Common Accidents (State Farm)