Cheapest 1997 Ford Explorer Insurance Rates in 2023

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 1, 2023

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Trying to find better insurance coverage rates for your Ford Explorer? Searching for better insurance prices for your Ford Explorer could be difficult, but you can learn the following methods to make it easier. There are more efficient ways to buy insurance coverage so we’re going to tell you the best way to get price quotes on a Ford and find the lowest possible price from both online companies and local agents.

Save big with these discounts

Auto insurance companies don’t always advertise every discount very well, so here is a list some of the more common and the more hidden ways to save on car insurance. If you don’t get every credit you qualify for, you’re paying more than you need to.

  • Discount for Swiching Early – Some insurance companies reward drivers for buying a policy before your current policy expires. The savings is around 10%.
  • College Student – Youth drivers who live away from home without a vehicle on campus may be able to be covered for less.
  • Homeowners Discount – Being a homeowner can save you money because owning a home is proof that your finances are in order.
  • Discount for Good Grades – Performing well in school can save 20 to 25%. This discount can apply well after school through age 25.
  • Life Insurance Discount – Some companies give a break if you buy a life insurance policy as well.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire policy premium. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So when the math indicates adding up those discounts means a free policy, you’re out of luck.

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

  • Farmers Insurance
  • State Farm
  • Liberty Mutual
  • MetLife
  • Progressive

Check with each company how you can save money. Savings may not be available everywhere.

The best way we recommend to compare insurance rates from multiple companies is to know most of the bigger providers provide online access to give you rate quotes. All consumers are required to do is provide the companies a bit of rating information including deductibles desired, daily mileage, how much school you completed, and the ages of drivers. That rating data is sent automatically to all major companies and they respond with quotes with very little delay.

To start a rate quote now, click here and enter your coverage details.

But I don’t know anything about car insurance

When it comes to choosing the right insurance coverage, there really is no best way to insure your cars. Every insured’s situation is different.

Here are some questions about coverages that might point out if you might need an agent’s assistance.

  • Why does it cost so much to insure a teen driver?
  • Does my policy pay for OEM or aftermarket parts?
  • Does my insurance cover my expensive audio equipment?
  • Does insurance cover damages from a DUI accident?
  • Will I lose any money if I cancel my policy before it expires?
  • Am I covered when driving someone else’s vehicle?
  • Do I have coverage for damage caused while driving under the influence?
  • Does coverage extend to my business vehicle?
  • Can I get a multi-policy discount?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and can provide invaluable advice.

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Insurance coverages 101

Learning about specific coverages of your insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

UM/UIM Coverage

This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Ford Explorer.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive or Other Than Collision

This covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like fire damage, hail damage, a tree branch falling on your vehicle, vandalism and falling objects. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto liability insurance

Liability insurance will cover damages or injuries you inflict on other people or property. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability insurance covers things such as pain and suffering, repair costs for stationary objects, bail bonds, court costs and structural damage. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Auto collision coverage

This coverage will pay to fix damage to your Explorer from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like scraping a guard rail, colliding with another moving vehicle, damaging your car on a curb, crashing into a ditch and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for short-term medical expenses for prosthetic devices, nursing services, ambulance fees and EMT expenses. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Shop Smart and Save

As you go through the steps to switch your coverage, it’s very important that you do not buy less coverage just to save a little money. Too many times, drivers have reduced full coverage and discovered at claim time they didn’t purchase enough coverage. The ultimate goal is to purchase a proper amount of coverage at an affordable rate.

Discount 1997 Ford Explorer insurance can be bought from both online companies and also from your neighborhood agents, and you should be comparing both to have the best selection. Some companies may not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

We just showed you a lot of tips how to save on insurance. The key concept to understand is the more rate comparisons you have, the better your comparison will be. Consumers may even find the best prices are with a lesser-known regional company.

More tips and info about insurance coverage can be read at these sites:

Use our FREE quote tool to compare rates now!

Frequently Asked Questions

How can I save on car insurance for my 1997 Ford Explorer?

There are several ways to save on car insurance for your 1997 Ford Explorer. One effective method is to take advantage of discounts offered by insurance companies. Some common discounts include safe driver discounts, multi-policy discounts, and good student discounts. Additionally, comparing quotes from multiple companies can help you find the lowest possible price for your insurance coverage.

What discounts are available for car insurance?

Car insurance companies offer various discounts that can help reduce your insurance premiums. These discounts can include safe driver discounts, multi-policy discounts, good student discounts, anti-theft device discounts, and more. It’s important to check with each company to see which discounts you qualify for, as they may vary.

How can I compare insurance rates from multiple companies?

Comparing insurance rates from multiple companies is made easy with online access. Many major insurance providers allow you to request rate quotes online by providing some basic information about yourself and your vehicle. This information is sent to the companies, and they respond with quotes. By comparing quotes from different companies, you increase your chances of finding the best rate.

Do I need an agent’s assistance to choose the right insurance coverage for my Ford Explorer?

The right insurance coverage for your Ford Explorer depends on your specific situation. While there is no best way to insure your cars, there are certain factors to consider. If you’re unsure about which coverages you need or have specific questions, it may be beneficial to consult with a licensed insurance agent who can provide personalized advice.

What is UM/UIM coverage?

UM/UIM coverage, also known as uninsured/underinsured motorist coverage, protects you and your vehicle’s occupants when you’re involved in an accident with a driver who doesn’t have enough liability coverage. It covers injuries sustained by your vehicle’s occupants and damage to your Ford Explorer.

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