2006 Ford Explorer Insurance Rates
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UPDATED: May 11, 2022
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Tired of paying out the nose each month for car insurance? You are in the same boat as millions of other consumers. Companies like Allstate and Progressive persitently shower you with ads and it is difficult to not get sucked in by the cute commercials and find the best price available.
It’s important to price shop coverage once or twice a year since insurance rates are rarely the same from one policy term to another. Just because you had the best price for Explorer coverage a couple years back you can probably find a better price now. You’ll find quite a bit of inaccurate information about insurance coverage on the web, but we’re going to give you some tested techniques to save money.
Ford Explorer rates are in the details
Consumers need to have an understanding of the factors that help determine your insurance coverage rates. Having a good understanding of what determines base rates enables informed choices that may reward you with big savings.
The following are a few of the “ingredients” insurance coverage companies consider when setting rates.
- Higher safety ratings means cheaper insurance – Vehicles with high crash test scores can get you lower premiums. The safest vehicles reduce injuries and better occupant protection means less money paid by your insurance company and thus lower rates. If your Ford is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
- Don’t get talked into coverage you don’t need – There are a lot of add-on coverages you can purchase if you aren’t careful. Things like rental car reimbursement, better glass coverage and membership fees may be wasting your money. They may seem good at first, but your needs may have changed so remove them from your policy.
- Protect yourself with liability coverage – The liability section of your policy will protect you when you are found to be at fault for causing damage or personal injury in an accident. It will provide legal defense starting from day one. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not skimp.
- Big city or small town – Residing in a rural area can be a good thing when insuring your vehicles. Fewer drivers means fewer accidents and a lower car theft rate. City drivers regularly have much more traffic to deal with and much longer commute distances. Higher commute times translates into higher accident risk.
- Being married can save on insurance coverage – Having a spouse can actually save you money on your insurance coverage policy. Having a spouse usually means you are more responsible and it’s proven that being married results in fewer claims.
- Keep rates low by being claim-free – Companies provide better rates to policyholders who file claims infrequently. If you file claims often, you can look forward to either policy cancellation or increased premiums. Insurance coverage is intended to be relied upon for major claims that would cause financial hardship.
- One company can mean more discounts – Some insurers will give a discount to policyholders who consolidate policies with them. It’s known as a multi-policy discount. Discounts can add up to five, ten or even twenty percent. Even with this discount, you still need to compare rates to confirm you are receiving the best rates possible.
Don’t miss these discounts
Companies that sell car insurance do not advertise every available discount in an easy-to-find place, so we took the time to find both the well known and also the lesser-known savings tricks you should be using. If they aren’t giving you every credit you qualify for, you are throwing money away.
- Low Mileage Discounts – Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
- Safe Driver Discount – Drivers who avoid accidents may receive a discount up to 45% less for Explorer coverage than their less cautious counterparts.
- Distant Student – Youth drivers who attend school more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
- Pay Upfront and Save – If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
- Homeowners Discount – Simply owning a home may trigger a auto insurance policy discount because maintaining a house requires personal responsibility.
- Multiple Policy Discount – When you have multiple policies with one insurance company you will save at least 10% off all policies.
- Drivers Education – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
Consumers should know that most credits do not apply to the entire policy premium. Most cut the cost of specific coverages such as collision or personal injury protection. So when the math indicates it’s possible to get free car insurance, companies don’t profit that way.
Insurance companies that may offer some of the above discounts include:
- State Farm
- The Hartford
It’s a good idea to ask each company what discounts are available to you. All car insurance discounts may not apply in your area.
Don’t be fooled by advertising claims
Consumers can’t get away from ads for the lowest price auto insurance from the likes of State Farm and Allstate. All the companies make an identical promise about savings if you move your coverage to them.
How do they all claim to save you money? It’s all in the numbers.
Different companies can use profiling for the driver that earns them a profit. For example, a preferred risk could be over the age of 50, has no driving citations, and chooses high deductibles. A customer who meets those qualifications is entitled to the best price and most likely will cut their rates substantially.
Potential insureds who are not a match for the requirements will have to pay a higher premium and this can result in business going elsewhere. Company advertisements say “drivers who switch” not “people who quote” save that much. That’s why insurance companies can confidently make those claims. Because of the profiling, you absolutely need to get as many quotes as possible. It is impossible to predict which insurance companies will provide you with the cheapest Ford Explorer insurance rates.
When might I need help?
When choosing the right insurance coverage, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions can aid in determining whether or not you might need an agent’s assistance.
- How can I force my company to pay a claim?
- What is medical payments coverage?
- What is no-fault insurance?
- Should I buy more coverage than the required minimum liability coverage?
- How can I get high-risk coverage after a DUI?
- Is my dog or cat covered if injured in an accident?
- When should I not file a claim?
- Am I covered if my car is in a flood?
- Does my medical payments coverage pay my health insurance deductible?
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If you’re not sure about those questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can help protect your family.
Specific coverage details
Learning about specific coverages of your policy can help you determine the best coverages for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find the usual coverages found on most insurance policies.
Liability car insurance
Liability insurance will cover injuries or damage you cause to other people or property that is your fault. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.
Liability insurance covers claims such as medical expenses, medical services, attorney fees, pain and suffering and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.
Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things such as a broken windshield, vandalism, falling objects, fire damage and damage from flooding. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Uninsured/Underinsured Motorist coverage
This coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Ford Explorer.
Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.
Auto collision coverage
Collision coverage will pay to fix damage to your Explorer resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things like hitting a parking meter, sideswiping another vehicle, crashing into a building, hitting a mailbox and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.
Medical payments coverage and PIP
Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like chiropractic care, surgery, pain medications, nursing services and EMT expenses. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible
Take this to the bank
Lower-priced 2006 Ford Explorer insurance is definitely available online and with local insurance agents, and you should be comparing both to have the best rate selection. Some companies do not offer the ability to get a quote online and these small, regional companies work with independent agents.
As you prepare to switch companies, never buy poor coverage just to save money. There are a lot of situations where an accident victim reduced liability coverage limits only to regret that the savings was not a smart move. Your goal should be to find the BEST coverage at an affordable rate, not the least amount of coverage.
Additional auto insurance information can be found below:
- If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
- Auto Insurance Basics (Insurance Information Insitute)
- Preventing Carjacking and Theft (Insurance Information Insitute)
- Speed and Speed Limit FAQ (iihs.org)
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