Cheapest 2003 Ford Explorer Sport Trac Insurance Rates in 2024

Enter your zip code below to view companies that have cheap auto insurance rates.

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 2, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Looking for the cheapest insurance rates for your Ford Explorer Sport Trac? Finding lower rates for insurance can be nearly impossible for consumers not familiar with comparison shopping online. Drivers have so many options that it can be a real hassle to locate the lowest price.

Consumers should take time to price shop coverage at least once a year because insurance rates tend to go up over time. Just because you had the lowest price on Explorer Sport Trac coverage a year ago other companies may now be cheaper. Starting right now, block out anything you think you know about insurance because it’s time to teach you the proper way to save money, get proper coverage and the best rates.

Finding the best rates is not that difficult. If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using this strategy. Although car owners must understand the methods companies use to sell insurance online because it can help you find the best coverage.

The quickest way to get rate comparisons is to take advantage of the fact car insurance companies actually pay money for the chance to give you rate quotes. To start a quote, the only thing you need to do is provide information including level of coverage desired, how many miles driven, whether the vehicles are used for commuting, and if you require a SR-22. The data is automatically sent to multiple different insurance companies and they provide comparison quotes within a short period of time.

Are you getting all your discounts?

Companies offering auto insurance don’t always advertise all their discounts very well, so we break down some of the more common and the harder-to-find savings tricks you should be using.

  • Accident Forgiveness – Certain companies will forgive one accident before your rates go up so long as you haven’t had any claims for a set time period.
  • Braking Control Discount – Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
  • Theft Prevention System – Vehicles with anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Own a Home – Simply owning a home can save you money due to the fact that maintaining a home requires personal responsibility.
  • Discount for Good Grades – Performing well in school can earn a discount of 20% or more. This discount can apply up until you turn 25.
  • New Vehicle Savings – Adding a new car to your policy is cheaper compared to insuring an older model.
  • Distant Student – Any of your kids who are attending college and do not have access to a covered vehicle may be able to be covered for less.

It’s important to note that most credits do not apply the whole policy. A few only apply to specific coverage prices like liability, collision or medical payments. So when the math indicates you can get free auto insurance, it doesn’t quite work that way.

To see a list of insurance companies offering auto insurance discounts, click here.

When might I need an agent?

When buying the best insurance coverage, there isn’t really a perfect coverage plan. Each situation is unique.

Here are some questions about coverages that can help discover if your insurance needs could use an agent’s help.

  • How much liability do I need to cover my assets?
  • What is an SR-22 filing?
  • Does liability extend to a camper or trailer?
  • Am I covered when driving someone else’s vehicle?
  • Can I still get insurance after a DUI?
  • Is my 2003 Ford Explorer Sport Trac covered for flood damage?
  • Can I rent a car in Mexico?
  • Do I need medical payments coverage since I have good health insurance?
  • Who is covered when they drive my 2003 Ford Explorer Sport Trac?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form.

Car insurance coverage specifics

Knowing the specifics of car insurance aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists 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.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for expenses like hospital visits, funeral costs, prosthetic devices and EMT expenses. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover all 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

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like scraping a guard rail, colliding with another moving vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, damage from flooding, a tree branch falling on your vehicle, theft and hitting a bird. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.


This will cover damage that occurs to other’s property or people in an accident. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things like pain and suffering, structural damage and legal defense fees. How much liability should you purchase? That is your choice, but buy higher limits if possible.

Frequently Asked Questions

What factors affect the insurance rates for a 2003 Ford Explorer Sport Trac?

Several factors can influence the insurance rates for a 2003 Ford Explorer Sport Trac. These may include the driver’s age, driving record, location, coverage options, deductible amount, and the insurance company’s individual rating system.

Is the 2003 Ford Explorer Sport Trac considered an expensive vehicle to insure?

The insurance rates for a 2003 Ford Explorer Sport Trac are generally not considered to be excessively high. However, insurance premiums can vary depending on the factors mentioned earlier. It’s always recommended to obtain quotes from multiple insurance providers to compare rates and find the most suitable option for your specific circumstances.

Are there any specific safety features that can help reduce insurance costs for the 2003 Ford Explorer Sport Trac?

The presence of certain safety features in a vehicle can often lead to lower insurance premiums. The 2003 Ford Explorer Sport Trac came equipped with various safety features, such as anti-lock brakes, dual front airbags, and traction control. These features may help reduce insurance costs, as they enhance the safety of the vehicle and its occupants.

How can I find the cheapest insurance rates for my 2003 Ford Explorer Sport Trac?

To find the most affordable insurance rates for your 2003 Ford Explorer Sport Trac, consider following these steps:

  1. Shop around: Obtain quotes from multiple insurance providers to compare rates and coverage options.
  2. Bundle policies: Inquire about potential discounts by bundling your auto insurance with other policies like homeowner’s or renter’s insurance.
  3. Increase deductibles: Opting for a higher deductible can often result in lower premiums, but make sure it’s an amount you can afford to pay if you need to file a claim.
  4. Maintain a clean driving record: Safe driving habits and avoiding traffic violations can help keep your insurance rates down.
  5. Inquire about discounts: Ask insurance companies about available discounts, such as safe driver discounts, lo

Are there any insurance providers known for offering competitive rates for the 2003 Ford Explorer Sport Trac?

The insurance rates can vary significantly between insurance providers, so it’s always advisable to obtain quotes from multiple companies. Some well-known insurance companies that may offer competitive rates for the 2003 Ford Explorer Sport Trac include GEICO, Progressive, State Farm, Allstate, and Farmers Insurance. However, rates can differ based on your location and individual circumstances, so it’s best to compare quotes from several providers to find the most affordable option for you.

Should I consider dropping comprehensive and collision coverage to lower insurance costs?

The decision to drop comprehensive and collision coverage depends on various factors. If your 2003 Ford Explorer Sport Trac has a low market value, it might be worth considering, as the cost of coverage may outweigh the potential payout in the event of an accident or damage. However, dropping these coverages means you won’t be protected in case of certain situations like theft, vandalism, or accidents where you’re at fault. It’s essential to evaluate the value of your vehicle and your personal risk tolerance before making this decision.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles