Ford Ford Explorer Insurance Rates
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UPDATED: Mar 6, 2020
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Searching for lower car insurance rates for your Ford Explorer? Feel like you’re a prisoner to overpriced car insurance? Trust us, there are lots of people in the same boat. Drivers have multiple auto insurance companies to pick from, and even though it’s nice to have multiple companies, it can be more challenging to compare rates and find the lowest cost car insurance.
This article will teach you the most effective way to quote insurance and some tips to save money. If you currently have car insurance, you should be able to lower your premiums substantially using these techniques. Vehicle owners only need an understanding of the proper way to compare company rates online.
Cheap Insurance Coverage Comparisons
There are a lot of ways to shop for insurance coverage, but some are less time-consuming than others. You can waste hours talking to insurance companies in your area, or you could use the internet to quickly compare rates.
Many insurance companies belong to an insurance system that allows shoppers to only type in their quote data once, and each participating company returns a competitive quote for coverage. This prevents consumers from doing repetitive form submissions for each company you want a rate for. To get comparison pricing now click to open in new window.
The one downside to using this type of form is you are unable to specify the companies you want to price. If you wish to select specific insurance companies to compare prices, we have a listing of low cost insurance coverage companies in your area. Click here for list of insurance companies.
It’s up to you how you get prices quotes, just be sure to compare apples-to-apples coverages and limits with each company. If the quotes have higher or lower deductibles it’s impossible to find the best deal for your Ford Explorer.
Drivers who switch save $387 a year? Really?
Consumers can’t ignore all the ads for car insurance savings by 21st Century, Allstate and State Farm. All the companies say the same thing of big savings if you switch to their company.
But how can every company make almost identical claims?
All the different companies have a preferred profile for the driver that is profitable for them. An example of a preferred risk might be over the age of 50, is a homeowner, and has a short commute. A customer getting a price quote who fits that profile will get the preferred rates and most likely will pay quite a bit less when switching companies.
Potential customers who are not a match for the requirements must pay a more expensive rate which leads to business going elsewhere. Company advertisements say “customers that switch” but not “drivers who get quotes” save that much money. This is how companies can state the savings.
This illustrates why drivers must compare many company’s rates. Because you never know which car insurance company will give you the biggest savings on Ford Explorer insurance.
How much can you save with discounts?
Insurance can cost an arm and a leg, but discounts can save money and there are some available to help offset the cost. Some trigger automatically at the time you complete a quote, but a few need to be requested specifically before being credited. If you don’t get every credit you deserve, you are paying more than you should be.
- Air Bag Discount – Factory air bags or motorized seat belts can qualify for discounts up to 30%.
- E-sign – A handful of insurance companies will give a small break just for signing your application digitally online.
- Drivers Ed for Students – Have your child take driver’s ed class if it’s offered in school.
- One Accident Forgiven – Some insurance companies allow you one accident before your rates go up if you are claim-free for a set time period.
- Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.
- Own a Home – Owning a house can help you save on insurance because owning a home demonstrates responsibility.
- Multi-policy Discount – If you insure your home and vehicles with one company you may save 10% to 20% off each policy.
- Life Insurance – Companies who offer life insurance give a discount if you purchase auto and life insurance together.
As a disclaimer on discounts, some of the credits will not apply to all coverage premiums. A few only apply to individual premiums such as physical damage coverage or medical payments. Even though it may seem like adding up those discounts means a free policy, companies don’t profit that way. Any amount of discount will help reduce the amount you have to pay.
For a list of insurance companies with the best insurance discounts, click here to view.
How much car insurance do I need?
When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions may help highlight if you could use an agent’s help.
- I have health insurance so do I need medical payments coverage?
- Am I covered when using my vehicle for business?
- Am I getting all the discounts available?
- Is motorclub coverage worth it?
- Should I put collision coverage on all my vehicles?
- Is my custom paint covered by insurance?
- Does my personal policy cover me when driving out-of-state?
- Am I covered if hit by an uninsured driver?
- Is business equipment covered while in my vehicle?
- How much liability do I need to cover my assets?
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If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It is quick, free and can help protect your family.
Coverages available on your policy
Learning about specific coverages of your policy can help you determine which coverages you need for your vehicles. Policy terminology can be confusing and coverage can change by endorsement. Listed below are the usual coverages found on most car insurance policies.
Med pay and Personal Injury Protection (PIP)
Med pay and PIP coverage pay for immediate expenses like EMT expenses, X-ray expenses, prosthetic devices, ambulance fees and dental work. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage
Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things like hitting a deer, damage from flooding and a tree branch falling on your vehicle. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Uninsured/Underinsured Motorist (UM/UIM)
Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Ford Explorer.
Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Most of the time these limits do not exceed the liability coverage limits.
Liability auto insurance
Liability insurance will cover damage or injury you incur to other’s property or people that is your fault. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Some companies may use one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.
Liability insurance covers claims like emergency aid, medical services, loss of income, attorney fees and court costs. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.
This coverage will pay to fix damage to your Explorer resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage pays for things such as rolling your car, crashing into a ditch and scraping a guard rail. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.
Compare but don’t skimp
We just showed you a lot of ways to save on 1993 Ford Explorer insurance. The most important thing to understand is the more times you quote, the higher your chance of finding lower rates. Consumers could even find that the lowest premiums are with the smaller companies. Regional companies can often provide lower rates in certain areas as compared to the big name companies such as State Farm or Progressive.
When shopping online for auto insurance, make sure you don’t skimp on coverage in order to save money. Too many times, an accident victim reduced collision coverage and learned later that they should have had better coverage. The ultimate goal is to get the best coverage possible at an affordable rate while still protecting your assets.
More detailed auto insurance information can be read at these sites:
- Auto Insurance Learning Center (State Farm)
- Five Mistakes to Avoid (Insurance Information Insitute)
- Protect Yourself Against Auto Theft (Insurance Information Insitute)
- Steps to Take After an Auto Accident (Insurance Information Insitute)
- Parking Tips to Reduce Door Dings (State Farm)
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