Lower Your 1999 Ford Explorer Car Insurance Quotes

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Sep 2, 2022

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Trying to find lower auto insurance rates for your Ford Explorer? Are you a victim of high-priced auto insurance? Believe me when I say you’re not the only one. Lots of auto insurance companies contend for your insurance dollar, and because of this it can be hard to compare auto insurance companies and uncover the absolute lowest rate possible.

If you have a policy now or need new coverage, you can use this information to reduce the price you pay while maintaining coverages. Finding the best rates is quite easy. Consumers just need to learn the most effective way to compare prices on the web.

Compare the Market for Insurance Coverage

There are a lot of ways you can shop for insurance coverage and some are less time-consuming than others. You can waste a few hours (or days) discussing policy coverages with insurance agencies in your area, or you could use the web to maximize your effort.

Most of the larger companies participate in an industry program that allows shoppers to submit their information once, and at least one company can provide price quotes based on the submitted data. This eliminates the need for repetitive form submissions to every company.

To get comparison pricing now click to open in new window.

The only drawback to doing it this way is you cannot specify which insurance companies you want to price. If you would rather choose specific insurance companies to receive pricing from, we have assembled a list of the cheapest insurance coverage companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but ensure you are comparing exactly the same coverages with each company. If you enter differing limits it’s impossible to make a fair comparison for your Ford Explorer.

Take discounts and save

Insuring your fleet can be pricey, but companies offer discounts to help bring down the price. Some trigger automatically at the time of quoting, but less common discounts must be requested specifically prior to getting the savings. If you’re not getting every credit available, you’re paying more than you need to.

  • Military Discounts – Being deployed with a military unit could mean lower rates.
  • College Student – Kids in college living away from home attending college and don’t have a car can receive lower rates.
  • Fewer Miles Equal More Savings – Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
  • Safety Course Discount – Taking a driver safety course could cut 5% off your bill if your company offers it.
  • Accident Free – Good drivers with no accidents can earn big discounts when compared to bad drivers.
  • E-sign – A handful of insurance companies may give you up to $50 for buying your policy on their website.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
  • Accident Forgiveness – Certain companies will forgive one accident before your rates go up if your claims history is clear for a particular time prior to the accident.

It’s important to understand that most of the big mark downs will not be given to your bottom line cost. Some only apply to the cost of specific coverages such as liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, insurance companies aren’t that generous. But any discount will bring down your premiums.

Car insurance companies that may have these benefits are:

It’s a good idea to ask every prospective company which discounts they offer. All car insurance discounts may not apply everywhere.

Which policy gives me the best coverage?

When buying coverage, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that might point out whether or not you might need professional guidance.

  • What is PIP insurance?
  • Am I missing any policy discounts?
  • Does medical payments coverage apply to all occupants?
  • How can I get my company to pay me more for my totalled car?
  • Does coverage extend to my business vehicle?
  • Should I carry comprehensive and collision coverage?
  • When should I remove comp and collision on my 1999 Ford Explorer?
  • Is my ex-spouse still covered by my policy?
  • Is rental equipment covered for theft or damage?
  • I don’t drive much so do I pay less?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Free Auto Insurance Comparison

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Auto insurance coverages 101

Understanding the coverages of a auto insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Below you’ll find the normal coverages found on the average auto insurance policy.

Comprehensive auto insurance

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like falling objects, hitting a bird, a tree branch falling on your vehicle, fire damage and hail damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Med pay and PIP coverage kick in for short-term medical expenses for nursing services, dental work, rehabilitation expenses and funeral costs. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

This coverage pays for damage to your Explorer resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as backing into a parked car, colliding with another moving vehicle, driving through your garage door and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Liability

Liability coverage can cover damage or injury you incur to other people or property by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 which means 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 rather than limiting it on a per person basis.

Liability insurance covers claims like repair bills for other people’s vehicles, court costs, bail bonds, emergency aid and medical services. 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 uninsured or underinsured drivers

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Ford Explorer.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Frequently the UM/UIM limits do not exceed the liability coverage limits.

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