Cheapest 1993 Ford Explorer Insurance Rates in 2023
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UPDATED: May 30, 2023
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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)
Frequently Asked Questions
Why are insurance rates for a 1993 Ford Explorer important to consider?
Insurance rates for a 1993 Ford Explorer are important to consider because they can significantly impact your overall cost of ownership. Understanding the factors that influence insurance rates for this vehicle can help you make informed decisions and potentially save money.
What factors affect insurance rates for a 1993 Ford Explorer?
Several factors can influence insurance rates for a 1993 Ford Explorer, including the following:
- Vehicle type: The Ford Explorer is an SUV, and insurance rates for SUVs may be different compared to other vehicle types.
- Vehicle age and value: Older vehicles like the 1993 Explorer may have lower insurance rates due to their lower market value.
- Safety features: The presence of safety features such as airbags, anti-lock brakes, and security systems can potentially lower insurance rates.
- Location: The area where you live and park your vehicle can affect insurance rates due to factors like crime rates, accident frequency, and weather conditions.
- Driver profile: Your age, driving history, and other personal factors can influence insurance rates for any vehicle, including the Explorer.
How can I find the cheapest insurance rates for a 1993 Ford Explorer?
To find the cheapest insurance rates for a 1993 Ford Explorer, consider the following tips:
- Shop around: Obtain quotes from multiple insurance providers to compare rates and coverage options.
- Opt for higher deductibles: Choosing a higher deductible can lower your premium, but make sure you can afford the deductible in case of an accident.
- Maintain a clean driving record: Avoid traffic violations and accidents to maintain a good driving record, which can lead to lower insurance rates.
- Inquire about discounts: Ask your insurance provider about any available discounts, such as safe driver discounts, multi-policy discounts, or discounts for safety features like anti-theft devices or anti-lock brakes.
Are there any specific insurance considerations for a 1993 Ford Explorer
When insuring a 1993 Ford Explorer, it’s important to consider the following:
- Coverage options: Determine the type and level of coverage that best suits your needs, such as liability, collision, comprehensive, and uninsured/underinsured motorist coverage.
- Usage: If you plan to use your Explorer for commercial purposes, such as ridesharing or delivery services, you may need specialized commercial auto insurance instead of personal auto insurance.
- Modifications: If your Explorer has any modifications or additions, such as custom equipment or aftermarket accessories, you may need to inform your insurance provider as it can affect coverage and rates.
How can I estimate the insurance rates for a 1993 Ford Explorer?
To estimate insurance rates for a 1993 Ford Explorer, you can contact insurance providers directly and provide them with the necessary details, such as your location, driving history, and specific coverage needs. Insurance rates can vary based on factors such as your personal profile, the model of your Explorer, and the insurance provider’s underwriting criteria. Obtaining multiple quotes from different insurers will give you a better understanding of the potential insurance rates for your Explorer.
Can I reduce my insurance rates for a 1993 Ford Explorer over time?
Yes, there are several ways to potentially reduce your insurance rates for a 1993 Ford Explorer over time. These include:
- Maintaining a good driving record: Avoiding traffic violations and accidents can help you maintain a clean driving record, which may lead to lower insurance rates.
- Taking advantage of discounts: Inquire with your insurance provider about any available discounts, such as safe driver discounts, multi-policy discounts, or discounts for safety features like anti-theft devices or anti-lock brakes.
- Reevaluating coverage needs: As your Explorer ages, reassessing your coverage needs, such as reducing or eliminating collision or comprehensive coverage, may help lower your insurance premiums.
- Bundling policies: If you have other insurance policies, such as home or renters insurance, consider bundling them with your Explorer insurance to potentially receive a multi-policy discount.
Are there any specific insurance requirements for a 1993 Ford Explorer?
Insurance requirements for a 1993 Ford Explorer may vary depending on the state or country you reside in. In most jurisdictions, however, auto insurance is mandatory to legally operate a vehicle on public roads. The specific coverage requirements may depend on factors such as your location, driving history, and the type of coverage you choose. Typically, liability insurance is the minimum requirement, covering bodily injury and property damage you may cause to others in an accident. It’s essential to familiarize yourself with the insurance requirements in your location and ensure that your coverage meets or exceeds those minimums.
Can I get specialized insurance for a 1993 Ford Explorer used for business purposes?
If you use your 1993 Ford Explorer for business purposes, such as ridesharing or delivery services, you may need specialized commercial auto insurance instead of personal auto insurance. Commercial auto insurance is designed to provide coverage specific to the risks associated with business use. It typically offers higher liability limits and additional coverage options tailored to commercial vehicles. It’s advisable to consult with insurance providers specializing in commercial auto insurance to determine the most appropriate coverage for your Explorer’s business use.
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