Cheapest 2000 Ford Explorer Insurance Rates in 2023
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UPDATED: Jun 2, 2023
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Want the cheapest car insurance rates for your Ford Explorer? Tired of paying out the nose to buy car insurance? You are in the same boat as most other car owners.
Lots of car insurance companies contend for your hard-earned dollar, and because of this it can be hard to compare insurance companies and get the best coverage at the best price available.
Best discounts on 2000 Ford Explorer coverage
Companies that sell car insurance do not list every available discount in an easy-to-find place, so the following is a list of both the well known and the more hidden discounts you could be receiving.
- Multi-policy Discount – When you have multiple policies with the same company you could get a discount of at least 10% off all policies.
- Early Signing – Some companies give discounts for signing up before your current expiration date. This can save 10% or more.
- Student in College – Kids in college living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
- Student Driver Training – Have your child enroll in driver’s education if offered at their school.
- Federal Government Employee – Simply working for the federal government could cut as much as 10% off for Explorer coverage with select insurance companies.
- Life Insurance Discount – Larger companies have a break if you buy a life insurance policy as well.
It’s important to note that most credits do not apply to the overall cost of the policy. Most only apply to specific coverage prices like liability, collision or medical payments. So even though it sounds like it’s possible to get free car insurance, insurance coverage companies aren’t that generous.
To see a list of providers who offer insurance coverage discounts, click here.
Tailor your coverage to you
When it comes to choosing proper insurance coverage for your vehicles, there really is no single plan that fits everyone. Every situation is different so this has to be addressed. These are some specific questions can help discover whether you would benefit from an agent’s advice.
- What is no-fault insurance?
- Is rental equipment covered for theft or damage?
- Does my medical payments coverage pay my health insurance deductible?
- Do I really need UM/UIM coverage?
- Does my insurance cover my expensive audio equipment?
- Am I missing any policy discounts?
- Is my camper covered by my car insurance policy?
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Car insurance coverages for a Ford Explorer
Having a good grasp of your auto insurance policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on the average auto insurance policy.
Coverage for medical expenses
Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like chiropractic care, funeral costs and hospital visits. They are utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
Collision coverage pays for damage to your Explorer resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision can pay for things such as backing into a parked car, scraping a guard rail, colliding with a tree and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.
Liability car insurance
Liability insurance will cover damage or injury you incur to people or other property. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.
Liability insurance covers claims like repair bills for other people’s vehicles, attorney fees, legal defense fees and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.
Coverage for uninsured or underinsured drivers
This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Ford Explorer.
Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.
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 and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims such as a broken windshield, falling objects, damage from flooding, damage from a tornado or hurricane and fire damage. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
Smart consumers save more
In this article, we presented many tips how you can save on 2000 Ford Explorer insurance. It’s most important to understand that the more you quote, the higher your chance of finding lower rates. You may even find the biggest savings come from an unexpected company. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as State Farm or Progressive.
Lower-priced insurance is available on the web and with local insurance agents, and you need to price shop both to have the best rate selection. There are still a few companies who do not offer you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.
When you buy insurance online, it’s very important that you do not reduce coverage to reduce premium. In many instances, an insured dropped full coverage to discover at claim time that they should have had better coverage. Your focus should be to buy the best coverage you can find at the best price, not the least amount of coverage.
To learn more, feel free to visit these articles:
- What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
- Protecting Teens from Drunk Driving (Insurance Information Insitute)
- No-Fault Auto Insurance Statistics (Insurance Information Insitute)
- Five Tips to Save on Auto Insurance (Insurance Information Insitute)
- Tread Depth and Tire Safety (State Farm)
Frequently Asked Questions
How can I find the cheapest insurance for my 2000 Ford Explorer?
To find the cheapest insurance for your 2000 Ford Explorer, consider the following tips:
- Shop around and compare quotes from multiple insurance providers.
- Maintain a clean driving record with no accidents or traffic violations.
- Opt for a higher deductible, which can lower your premium.
- Inquire about discounts such as multi-policy, safe driver, or low-mileage discounts.
- Consider installing safety features like anti-theft devices or an alarm system.
- Ask your insurance provider about any specific discounts they offer for Ford Explorer owners.
Are there any factors that can affect the cost of insurance for a 2000 Ford Explorer?
Yes, several factors can affect the cost of insurance for a 2000 Ford Explorer. These may include:
- Your age, driving experience, and history.
- The location where you live and park your vehicle.
- The coverage options you choose (liability, collision, comprehensive, etc.).
- The deductible amount you select.
- Your credit score (in some states or countries).
- Any modifications made to the vehicle that could impact its safety or performance.
What are some recommended insurance providers for insuring a 2000 Ford Explorer?
While the availability and pricing of insurance providers can vary depending on your location, some well-known and reputable insurance companies include:
- State Farm
- Liberty Mutual
Can I get insurance coverage for a 2000 Ford Explorer if it has a salvage or rebuilt title?
It may be more challenging to find insurance coverage for a vehicle with a salvage or rebuilt title. Some insurance providers may refuse coverage altogether, while others may offer limited coverage or charge higher premiums. It’s best to reach out to different insurance companies directly to inquire about their policies regarding salvage or rebuilt title vehicles.
What types of coverage should I consider for a 2000 Ford Explorer?
The types of coverage you should consider for your 2000 Ford Explorer include:
- Liability coverage: Protects you if you cause injury or property damage to others in an accident.
- Collision coverage: Pays for repairs or replacement if your vehicle is damaged in a collision.
- Comprehensive coverage: Covers damage to your vehicle from non-collision incidents like theft, vandalism, or natural disasters.
- Uninsured/underinsured motorist coverage: Protects you if you’re involved in an accident with a driver who doesn’t have sufficient insurance coverage.
- Personal injury protection (PIP) or medical payments coverage: Provides medical expenses coverage for you and your passengers in case of an accident.
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