Cheapest 1998 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 5, 2023

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Want lower car insurance rates for your Ford Explorer? Are you overwhelmed by the crazy number of car insurance companies? You have a lot of company. You have so many companies to choose from that it can turn into a real hassle to find lower rates.

It’s a good habit to price shop coverage yearly since rates are adjusted regularly by insurance companies. Even if you think you had the best price for Explorer coverage two years ago a different company probably has better rates today. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to the fastest way to find better coverage at a better price.

Vehicle Insurance Comparison

When shopping for car insurance there are multiple ways of comparing rates from local car insurance companies. The easiest way to find competitive 1998 Ford Explorer insurance rates consists of shopping online. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  • One of the best ways consumers can analyze rates is a comparison rater form click here to open form in new window. This easy form prevents you from having to do separate quotation requests for each company. One form submission compares rates instantly. It’s definitely the quickest method.
  • A harder way to obtain and compare quotes online requires a trip to the website for every company you want to comare to request a price quote. For instance, we’ll pretend you want to compare Liberty Mutual, Safeco and GMAC. To get each rate you have to spend time on each company’s site to input your insurance information, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
  • The most time-consuming method to compare rates is driving to local insurance agencies. The internet makes this process obsolete unless you require the professional advice of a local agent. You can, however, compare online quotes and still use a local agent. We’ll cover that shortly.

It’s your choice how you get your quotes, but make darn sure you compare the exact same coverages and limits for each price quote. If you enter mixed coverages it will be next to impossible to find the best deal for your Ford Explorer. Having just a slight variation in insurance coverages may cause a big price difference. And when comparison shopping, quoting more provides better odds of finding lower pricing.

You are unique and your auto insurance should be too

When buying proper insurance coverage, there really is not a single plan that fits everyone. Every insured’s situation is different.

For instance, these questions can aid in determining if your situation may require specific advice.

  • Is my teen driver covered when they drive my company car?
  • When should I buy a commercial auto policy?
  • What is the difference between comprehensive and collision coverage?
  • Do I need more liability coverage?
  • Is business equipment covered while in my vehicle?
  • Where can I find high-risk insurance?
  • Do I need medical payments coverage since I have good health insurance?
  • Why am I required to buy high-risk coverage?
  • Should I file a claim if it’s only slightly more than my deductible?

If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

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What insurance coverages do you need?

Having a good grasp of insurance helps when choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be ambiguous and reading a policy is terribly boring.

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hitting a deer, a tree branch falling on your vehicle, fire damage, falling objects and hitting a bird. The highest amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Ford Explorer.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important. Most of the time these coverages are set the same as your liablity limits.

Liability auto insurance – Liability coverage can cover damage or injury you incur to a person or their property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Another option is a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like bail bonds, attorney fees, funeral expenses and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Coverage for medical expenses – Coverage for medical payments and/or PIP reimburse you for expenses like surgery, X-ray expenses and chiropractic care. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Collision coverages – This coverage covers damage to your Explorer caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like driving through your garage door, sideswiping another vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to choose a higher deductible to bring the cost down.

Use our FREE quote tool to compare rates now!

Frequently Asked Questions

What factors affect the cost of insurance for a 1998 Ford Explorer?

Several factors can influence the cost of insurance for a 1998 Ford Explorer. These factors include the driver’s age, location, driving history, credit score, the level of coverage desired, and the specific insurance provider’s policies and rates.

How can I find the cheapest insurance rates for a 1998 Ford Explorer?

To find the cheapest insurance rates for a 1998 Ford Explorer, you can follow these steps:

  1. Shop around: Obtain quotes from multiple insurance providers to compare prices.
  2. Consider your coverage needs: Assess the level of coverage required for your vehicle and avoid unnecessary extras that can increase premiums.
  3. Maintain a good driving record: Safe driving can help you qualify for lower insurance rates.
  4. Increase your deductible: Choosing a higher deductible can lower your insurance premiums, but keep in mind that you’ll be responsible for paying more out-of-pocket in case of a claim.
  5. Look for discounts: Inquire about available discounts such as multi-policy discounts, good student discounts, or safe driver discounts that can help reduce your insurance costs.

Are older vehicles generally cheaper to insure?

In many cases, older vehicles like the 1998 Ford Explorer can be cheaper to insure compared to newer models. This is because older vehicles typically have lower market values, which can result in lower premiums for comprehensive and collision coverage. However, it’s important to note that other factors, such as the vehicle’s safety features and the cost of repairs, can still affect insurance rates.

Can I get liability-only coverage for my 1998 Ford Explorer?

Yes, it is possible to obtain liability-only coverage for a 1998 Ford Explorer. Liability coverage helps pay for damages you cause to others in an accident, but it does not cover damages to your own vehicle. This type of coverage is often less expensive than full coverage, which includes comprehensive and collision coverage.

Should I consider additional coverage options for my 1998 Ford Explorer?

The decision to add additional coverage options depends on your specific needs and preferences. While liability coverage is the minimum requirement in most states, you might want to consider additional coverage options like comprehensive and collision coverage. Comprehensive coverage can help protect against theft, vandalism, or damage caused by events other than collisions (e.g., hail, fire), while collision coverage covers damages resulting from collisions with other vehicles or objects.

Free Auto Insurance Comparison

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