Cheapest 2001 Ford Explorer Sport Trac Insurance Rates in 2023
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UPDATED: Jun 2, 2023
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Want the cheapest insurance rates for your Ford Explorer Sport Trac? Trying to find the cheapest insurance for your Ford Explorer Sport Trac can be a painful process, but you can use a few tricks to make it easier. There is a better way to find insurance online and you need to know the proper way to price shop coverage for a new or used Ford and find the lowest possible price from local insurance agents and online providers.
It’s a great practice to compare prices on a regular basis since insurance rates are constantly changing. Even if you think you had the best price for Explorer Sport Trac insurance a few years ago there may be better deals available now. Don’t believe everything you read about insurance on the internet, so I’m going to show you some tested techniques to slash your insurance rates.
Which Car Insurance is Cheapest?
Comparing car insurance rates can be challenging if you don’t know the easiest way. You can waste a lot of time talking to local insurance agents in your area, or you can stay home and use online quotes to get rates in a matter of minutes.
Most car insurance companies participate in an industry program where prospective buyers enter their policy data once, and each company returns a rated price based on the submitted data. This saves time by eliminating repetitive form submissions for each company you want a rate for. To participate in this free quote system, click here (opens in new window).
The one disadvantage to doing it this way is you cannot specify the providers you want to price. So if you want to choose individual companies to compare, we have a page of companies who write car insurance in your area. Click here to view list.
It’s up to you which method you use, but ensure you’re using exactly the same information for every company. If you enter mixed coverages it will be impossible to determine the best price for your Ford Explorer Sport Trac.
Switch companies and save? Really?
Drivers can’t ignore all the ads for the lowest price auto insurance from the likes of 21st Century, Allstate and State Farm. They all seem to make the same claim that you can save after switching your coverage to them.
How does each company say the same thing? It’s all in the numbers.
Different companies can use profiling for the right customer they prefer to insure. An example of a preferred risk could possibly be over the age of 50, insures multiple vehicles, and drives less than 10,000 miles a year. A driver that hits that “sweet spot” gets the lowest rates and as a result will probably cut their rates substantially.
Potential customers who don’t measure up to these standards will be charged a more expensive rate and ends up with the customer not buying. The ads say “people who switch” but not “drivers who get quotes” save that kind of money. This is how companies can claim big savings. That is why drivers should get a wide range of price quotes. Because you never know the company that will fit your personal profile best.
Are you getting all your discounts?
Auto insurance companies do not advertise all available discounts very well, so we researched some of the more common and also the lesser-known ways to save on insurance coverage. If you don’t get every credit you qualify for, you’re paying more than you need to.
- Discount for New Cars – Buying coverage on a new vehicle can cost up to 25% less because new vehicles have to meet stringent safety requirements.
- Anti-lock Brakes – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
- Payment Discounts – If you pay your bill all at once rather than paying monthly you can actually save on your bill.
- Life Insurance Discount – Companies who offer life insurance give a discount if you purchase auto and life insurance together.
- Discount for Good Grades – Getting good grades can earn a discount of 20% or more. The good student discount can last well after school through age 25.
- Drivers Ed for Students – Require your teen driver to complete a driver education course if it’s offered in school.
- Senior Discount – If you qualify as a senior citizen, you may be able to get reduced rates for Explorer Sport Trac insurance.
- College Student – Youth drivers living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
It’s important to understand that most discount credits are not given to the entire policy premium. Some only reduce individual premiums such as liability and collision coverage. Just because you may think you would end up receiving a 100% discount, you won’t be that lucky.
A partial list of companies that possibly offer some of the above discounts are:
Double check with all companies you are considering what discounts are available to you. Some discounts might not be offered everywhere.
Tailor your coverage to you
When choosing coverage for your personal vehicles, there isn’t really a cookie cutter policy. Each situation is unique.
For example, these questions might point out whether you would benefit from professional advice.
- Are split liability limits better than a combined single limit?
- What is roadside assistance coverage?
- Am I covered when driving a rental car?
- Do all my vehicles need collision coverage?
- Does my policy cover me when driving someone else’s vehicle?
- What is no-fault insurance?
- Am I getting all the discounts available?
If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.
Car insurance coverages 101
Having a good grasp of a car insurance policy can help you determine which coverages you need for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring.
Liability insurance – Liability insurance will cover damage that occurs to other people or property. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.
Liability can pay for things like medical expenses, emergency aid, court costs and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.
Collision coverage – This coverage will pay to fix damage to your Explorer Sport Trac resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims like scraping a guard rail, driving through your garage door, hitting a parking meter, crashing into a building and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.
Uninsured and underinsured coverage – This coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Explorer Sport Trac.
Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.
Coverage for medical payments – Medical payments and Personal Injury Protection insurance kick in for immediate expenses like prosthetic devices, dental work, pain medications and funeral costs. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage
Comprehensive coverages – This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims such as vandalism, damage from flooding, damage from a tornado or hurricane, fire damage and a broken windshield. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
Power to the consumer
While you’re price shopping online, do not sacrifice coverage to reduce premiums. In many instances, an insured dropped collision coverage to discover at claim time that their decision to reduce coverage ended up costing them more. The aim is to buy the best coverage you can find at the best price, not the least amount of coverage.
Low-cost 2001 Ford Explorer Sport Trac insurance can be sourced from both online companies and with local insurance agents, and you need to comparison shop both to get a complete price analysis. There are still a few companies who do not offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.
Throughout this article, we presented many ideas to get a better price on insurance. The most important thing to understand is the more quotes you get, the higher your chance of finding lower rates. Drivers may discover the lowest priced car insurance comes from the least-expected company.
- Information for Teen Drivers (GEICO)
- What if I Can’t Find Coverage? (Insurance Information Insitute)
- Neck Injury FAQ (iihs.org)
- Credit Impacts Car Insurance Rates (State Farm)
Frequently Asked Questions
How often should I review my insurance policy for a 2001 Ford Explorer Sport Trac?
It’s a good idea to review your insurance policy annually or whenever you experience significant life changes such as moving, getting married, or adding new drivers to your policy. Insurance rates and coverage options can change over time, so reviewing your policy ensures you have adequate coverage at the best possible price.
Should I purchase additional coverage options like roadside assistance or rental car coverage for my 2001 Ford Explorer Sport Trac?
The need for additional coverage options depends on your personal preferences and circumstances. Roadside assistance can provide peace of mind if you frequently travel or experience vehicle breakdowns. Rental car coverage can be beneficial if you rely on your vehicle and need a replacement during repairs. Evaluate your needs and budget to decide if these options are worth the additional cost.
Can I get insurance for a 2001 Ford Explorer Sport Trac with a bad driving record?
While a bad driving record may impact your insurance rates, you can still find coverage. Some insurance companies specialize in providing coverage for high-risk drivers. However, keep in mind that the rates may be higher compared to those with clean driving records.
How can I lower my insurance rates for a 2001 Ford Explorer Sport Trac?
Besides comparing quotes and taking advantage of available discounts, you can consider raising your deductibles, maintaining a clean driving record, bundling your auto insurance with other policies, and installing safety features in your vehicle. Additionally, some insurance companies offer usage-based or pay-as-you-go insurance programs that can result in lower rates based on your driving habits.
Are there any specific factors that can affect my insurance rates for a 2001 Ford Explorer Sport Trac?
Yes, several factors can impact your insurance rates, including your driving record, age, location, credit history, annual mileage, and the level of coverage you choose. Insurance companies assess these factors to determine your risk profile and calculate your premiums accordingly.
Is it necessary to have full coverage insurance for a 2001 Ford Explorer Sport Trac?
The necessity for full coverage insurance depends on your individual circumstances. Full coverage typically includes liability, collision, and comprehensive coverage. If you have a loan or lease on your vehicle, your lender may require you to have full coverage. However, if you own your vehicle outright, you have more flexibility in choosing your coverage. Evaluate the value of your vehicle, your budget, and your comfort level with assuming certain risks to determine the coverage that best suits your needs.
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