2009 Ford Explorer Sport Trac, XLT Car Insurance Rates

When you're searching for car insurance rates on a 2009 Ford Explorer Sport Trac, XLT, don't waste your time comparing companies – we've already done the hard work! With competitive prices like ERIE's average annual rate of $600 and Allstate's at just $698 per year, why look any further? Farmers will charge around $763 each year while GEICO is slightly higher with an estimated cost of about $818. As a trouble-free driver with a harmless insurance history, you can get even lower rates of around $654 per year if you operate your 2009 Ford Explorer Sport Trac, XLT in a low-traffic and safe location. Your rates will be even lower if you bundle your policy, have a good driving history and credit score. Discover the various model series and equipment types available for this car below!

Want to learn more about what kind of coverage you can expect for a 2009 gas version of Ford Explorer Sport Trac with 210 horsepower in your State? Look no further. Our table outlines the cost involved, taking into consideration legal minimum requirements, average rates in each state and other factors such as minimal full coverage premiums. As an example, the average driver in California pays approximately $1,228 a year for basic liability coverage. Florida drivers can expect to pay around $1,374 per annum for Toyota Camry policies and Texans tend to get lower rates of about $1,154 each year. To get the exact rates for your region (ZIPCode) and vehicle, it is recommended to get online quotes from multiple insurance carriers and compare their offerings.

Ford Explorer Sport Trac car insurance rates can vary depending on the model of car you own. Insurance companies often times charge higher rates for luxury or sports cars because they are considered to be a higher risk. In the table below, you can find all trim versions of the Explorer Sport Trac model of the Ford brand, including average prices for an annual policy. As you can see, different variants of your model are valued differently by insurance companies. However, there are ways to compare rates and find the best policy for you and your vehicle. When shopping for car insurance, it is important to compare rates from multiple companies. Some insurers will offer discounts for certain features of your car, such as safety features or anti-theft devices. It is also important to consider the type of coverage you need. If you live in an area with a lot of traffic, you may want to purchase comprehensive or collision coverage.

The Explorer Sport Trac's annual car insurance premium costs an average of $1,090. As seen in the table below, 16-year old drivers have to shell out a whopping $2,834 for their "Lariat" trim level policy - the highest rate among all age groups. Until the age of 19, this amount decreases only minimally, and twenty-year-old "male" insureds pay a monthly insurance amount of $147. On the other hand, seniors aged 55+ with good record on driving can get this type of coverage at its lowest price possible, approx. $818 annually. While gender does affect rates slightly too; it is ultimately the driver's age that has a greater influence on insurance premiums. By taking advantage of all the right factors - such as being over 30, choose the ideal insurance company, having a stellar credit history, no past driving violations, high enough deductible and living in an area with low crime rates - you could be paying just $453 for collision coverage plus $113 for comprehensive coverage on your Ford Maverick annually. If you opt to get full car insurance protection, this will total up to only $567 per year!

For a 2009 Ford Explorer Sport Trac XLT raising your car insurance deductible to $1000 may help you save up to 22% on collision and comprehensive coverage. That would mean an annual premium of approximately $850 - saving you money upfront! However, if a lower deductible is more budget-friendly for you right now, choosing one of just $100 can still provide some discount off the total policy annually (often as much as 2%), leaving only about $1,068 yearly or around $89 monthly in payments. Ultimately it's all about finding a balance between what works best for your wallet and how much risk you're willing to take on. By selecting a deductible of $2000 for this model of Explorer Sport Trac, your collision coverage will be around $453 and comprehensive premium should come in at just under $113.