Sick and tired of paying out the nose to pay insurance each month? You have the same problem as most other people in Georgia.

Insurance for Ford ExplorerIt's amazing but most insurance buyers in Georgia kept their coverage with the same insurance company for at least the last four years, and nearly 40% of drivers have never compared quotes from other companies. With the average premium in the United States being $1,847, drivers could save themselves approximately $850 a year just by getting comparison quotes, but they don't know how much savings they would realize if they changed companies.

There is such a variety of insurers to choose from, and even though it's nice to have a selection, more options can take longer to get the best deal for Ford Explorer insurance in Atlanta.

It's important to get comparison quotes at least once a year because insurance prices are usually higher with each renewal. If you had the lowest price on Ford Explorer insurance in Atlanta at your last renewal the chances are good that you can find a lower rate today. Ignore everything you know about insurance because we're going to demonstrate the best way to save money, get proper deductibles and limits, all at the lowest rate.

This article's goal is to tell you how auto insurance companies operate and some tips to save money. If you currently have a car insurance policy, you stand a good chance to be able to buy cheaper insurance using these techniques. But Georgia vehicle owners benefit from understanding how the larger insurance companies sell online and use this information to your advantage.

Just remember that more quotes provides better odds of finding the best offered rates. Some insurance companies are not set up to provide rate quotes online, so it's important to compare price estimates from them as well.

The companies in the list below are our best choices to provide comparison quotes in Georgia. If multiple companies are listed, we recommend you visit several of them in order to get a fair rate comparison.

Ford Explorer Insurance Rates in Atlanta, GA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Explorer XLT 2WD $260 $418 $370 $22 $110 $1,180 $98
Explorer Eddie Bauer 2WD $332 $578 $476 $28 $142 $1,556 $130
Explorer XLT 4WD $292 $492 $444 $26 $134 $1,388 $116
Explorer XLT AWD $298 $484 $476 $28 $142 $1,428 $119
Explorer Eddie Bauer 4WD $274 $476 $476 $28 $142 $1,396 $116
Explorer Eddie Bauer AWD $296 $502 $414 $24 $124 $1,360 $113
Explorer Limited 2WD $436 $612 $516 $30 $154 $1,748 $146
Explorer Limited 4WD $214 $342 $370 $22 $110 $1,058 $88
Explorer Limited AWD $212 $322 $394 $24 $118 $1,070 $89
Get Your Own Custom Quote Go

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Estimates do not factor in specific location which can lower or raise coverage rates considerably.

Deductible comparison

The information below shows how different deductible levels and can influence Ford Explorer insurance costs for each age group. The premium estimates are based on a married female driver, comprehensive and collision coverage, and no additional discounts are factored in.

Why you need auto insurance

Even though Atlanta Explorer insurance rates can get expensive, insurance is most likely required but also gives you several important benefits.

The benefits of buying enough insurance more than offset the price you pay, particularly for liability claims. But the average American driver overpays as much as $825 a year so compare rates at every renewal to save money.

What Determines Ford Explorer Insurance Rates?

It's important that you understand some of the factors that go into determining the level of your policy premiums. When you understand what positively or negatively impacts your premiums, this empowers consumers to make smart changes that could result in much lower annual insurance costs.

Shown below are a few of the "ingredients" used by companies to determine your prices.

Discounts mean cheaper rates for Ford Explorer insurance in Atlanta

Car insurance is not cheap, but discounts can save money and there are some available that may help make it more affordable. Many discounts should be triggered when you get a quote, but some may not be applied and must be asked about before you get the savings.Auto insurance discounts

Policy discounts save money, but most discount credits are not given to the entire policy premium. Most only cut individual premiums such as liability and collision coverage. So even though it sounds like it's possible to get free car insurance, auto insurance companies aren't that generous.

A few companies who might offer some of the above discounts may include but are not limited to:

Before purchasing a policy, check with each company to give you their best rates. Discounts may not apply everywhere.

Your situation helps dictate your coverage

Always keep in mind that when comparing adequate coverage for your vehicles, there really isn't a "perfect" insurance plan. Your needs are unique to you.Drive safe and save

Here are some questions about coverages that might point out if your situation will benefit from professional help.

If it's difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. If you don't have a local agent, simply complete this short form.

Are insurance agencies obsolete?

A small number of people just prefer to sit down with an agent and doing so can bring peace of mind One of the great benefits of getting online price quotes is the fact that drivers can get cheaper premium rates and still choose a local agent. And buying from small agencies is definitely important in Atlanta.

Insurance agents in AtlantaTo find an agent, once you fill out this simple form, your insurance data is emailed to agents in your area that can give you free Atlanta auto insurance quotes for your insurance coverage. You don't have to contact any agents because prices are sent immediately to your email address. You can find lower rates and a licensed agent to talk to. If you wish to get a price quote from one company in particular, don't hesitate to search and find their rate quote page and fill out their quote form.

If you need to find a reliable insurance agency, you need to know there are two types of insurance agents from which to choose. Car insurance policy providers are considered either independent agents or exclusive agents.

Independent Agencies or Brokers

These agents can quote rates with many companies and that is an advantage because they can write policies with lots of companies and find the cheapest rate. To move your coverage to a new company, an independent agent can move your coverage and you won't have to switch agencies. When comparing car insurance prices, it's recommended you check rates from multiple independent agents for maximum quote selection.

Below are independent agencies in Atlanta that can possibly get you free rate quotes.

3201 Atlanta Industrial Pkwy NW b220 - Atlanta, GA 30331 - (404) 660-3821 - View Map

216 14th St NW #8 - Atlanta, GA 30318 - (470) 355-1973 - View Map

4401 Northside Pkwy NW #311 - Atlanta, GA 30327 - (404) 550-3448 - View Map

More insurance agents

Exclusive Car Insurance Agents

Agents in the exclusive channel can only write with one company and examples are American Family, State Farm, and AAA. Exclusive agents cannot provide other company's prices so they have no alternatives for high prices. They receive a lot of sales training on the products they sell which helps them sell insurance even at higher premiums.

The following are exclusive insurance agents in Atlanta that can give you price quotes.

Eddie Sanders - State Farm Insurance Agent
47 Perimeter Center E #130 - Atlanta, GA 30346 - (770) 394-5068 - View Map

3101 Clairmont Rd b - Atlanta, GA 30329 - (404) 321-6688 - View Map

2323 Cumberland Pkwy SE #101 - Atlanta, GA 30339 - (404) 365-8515 - View Map

More insurance agents

Finding a good insurance agency should depend on more than just the premium amount. Ask your prospective agent these questions:

Quote often and quote early

Cheap Ford Explorer insurance in Atlanta is possible both online and with local Atlanta insurance agents, and you should be comparing both to have the best rate selection. Some insurance companies may not offer price quotes online and usually these small, regional companies sell through local independent agents.

When buying insurance coverage, make sure you don't skimp on coverage in order to save money. There are a lot of situations where someone sacrificed physical damage coverage only to discover later that the few dollars in savings costed them thousands. Your aim should be to buy a smart amount of coverage at a price you can afford while still protecting your assets.

Insureds change insurance companies for a number of reasons such as denial of a claim, high prices, policy non-renewal and extreme rates for teen drivers. It doesn't matter why you want to switch finding a great new company is easier than you think.

More tips and info about insurance can be found by following these links: