Ford Ford Explorer Insurance Rates
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UPDATED: Dec 7, 2021
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Want the cheapest car insurance rates for your Ford Explorer? Sick and tired of trying to scrape together enough money to buy car insurance? Your situation is no different than many other drivers.
There are many insurance companies to buy insurance from, and although it’s nice to have a choice, it can be more challenging to compare rates and find the lowest cost car insurance.
You should make it a habit to compare prices yearly since insurance rates are usually higher with each renewal. Despite the fact that you may have had the lowest rates on Explorer coverage two years ago there may be better deals available now. Don’t believe everything you read about car insurance on the internet, so I’m going to show you some great ways to quit paying high car insurance rates.
Finding the best rates is easy if you know what you’re doing. If you currently have car insurance, you will most likely be able to cut costs considerably using these techniques. Nevertheless, vehicle owners should learn the way companies price insurance differently because it can help you find the best coverage.
Are you getting all your discounts?
Companies don’t always publicize every available discount in a way that’s easy to find, so the following is a list of some of the more common and the more hidden discounts you could be receiving.
- Discount for Swiching Early – Some insurance companies reward drivers for buying a policy before your current policy expires. The savings is around 10%.
- Driver Safety – Successfully completing a course teaching defensive driving skills could save 5% or more if you qualify.
- Accident Waiver – A handful of insurance companies will allow you to have one accident before hitting you with a surcharge if you are claim-free for a set time period.
- Multiple Policy Discount – If you have multiple policies with one insurance company you may earn at least 10% off all policies.
- Homeowners Savings – Owning a house can help you save on auto insurance because maintaining a house shows financial diligence.
It’s important to understand that most discount credits are not given the whole policy. Some only apply to the cost of specific coverages such as collision or personal injury protection. So when it seems like you can get free auto insurance, it just doesn’t work that way.
To see a list of insurance companies with the best auto insurance discounts, click here.
Ford Explorer rate determination is complex
It’s important that you understand the rating factors that go into determining the rates you pay for insurance coverage. Knowing what influences your rates helps enable you to make changes that may reward you with much lower annual insurance costs.
Listed below are a partial list of the pieces that factor into rates.
- Don’t sacrifice liability coverage – Your policy’s liability coverage provides coverage when a jury decides you are liable for damages from an accident. Liability provides you with a defense in court which can cost thousands of dollars. Liability insurance is quite affordable as compared to coverage for physical damage, so drivers should carry high limits.
- Consolidate policies to earn discounts – Most insurance companies give discounts to insureds who carry more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, you may still want to compare rates to confirm you are receiving the best rates possible. You may still be able to find better rates by buying insurance from more than one company.
- Rural vs Urban Areas – Choosing to live in less populated areas is a positive aspect when buying insurance coverage. Less people living in that area means a lower chance of having an accident and a lower car theft rate. Drivers in populated areas tend to have more traffic problems and a longer drive to work. Longer commute distances means higher likelihood of an accident.
- Better credit scores mean better rates – A driver’s credit history is a important factor in calculating your insurance coverage rates. Therefore, if your credit rating is not that good, you could pay less to insure your 2007 Ford Explorer by spending a little time repairing your credit. Drivers with high credit scores tend to file fewer claims and have better driving records as compared to drivers with lower credit scores.
- Your stress level may be raising your rates – Occupations like lawyers, architects and stock brokers are shown to have the highest rates because of stressful work requirements and lengthy work days. On the other hand, professions such as pilots, students and retirees pay the least on Explorer coverage.
- Too many insurance coverage claims drive up costs – If you file claims often, you can look forward to higher rates. Car insurance companies provide cheaper rates to insureds who file claims infrequently. Insurance coverage is meant to be used in the event of larger claims.
When might I need an agent?
When it comes to buying coverage for your vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions could help you determine whether your personal situation would benefit from professional advice.
- When can my company non-renew my policy?
- Are my friends covered when driving my car?
- When should I remove comp and collision on my 2007 Ford Explorer?
- At what point should I drop full coverage?
- Can I still get insurance after a DUI?
- Is my Ford Explorer covered if I use it for business?
- How high should my uninsured/underinsured coverage be in my state?
- Does my car insurance cover rental cars?
- Why am I required to get a high-risk car insurance policy?
- Am I covered by my spouse’s policy after a separation?
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If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.
Specifics of your auto insurance policy
Having a good grasp of your auto insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Shown next are typical coverage types available from auto insurance companies.
Medical payments and PIP coverage
Med pay and PIP coverage reimburse you for immediate expenses such as funeral costs, rehabilitation expenses, pain medications, hospital visits and chiropractic care. They are utilized in addition to your health insurance plan or if you do not have health coverage. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage
Liability car insurance
This coverage protects you from injuries or damage you cause to other’s property or people that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged property.
Liability coverage protects against claims such as funeral expenses, medical services, structural damage, repair bills for other people’s vehicles and pain and suffering. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.
Collision coverage will pay to fix damage to your Explorer caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.
Collision coverage pays for claims like hitting a parking meter, crashing into a building, hitting a mailbox, sustaining damage from a pot hole and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.
Comprehensive auto coverage
Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims like a broken windshield, damage from flooding, vandalism, hitting a deer and damage from getting keyed. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
UM/UIM (Uninsured/Underinsured Motorist) coverage
This provides protection from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Ford Explorer.
Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.
Feed the piggy bank
Lower-priced 2007 Ford Explorer insurance can be bought both online as well as from independent agents, so compare prices from both in order to have the best chance of saving money. Some insurance companies don’t offer the ability to get a quote online and these small, regional companies work with independent agents.
As you go through the steps to switch your coverage, make sure you don’t skimp on critical coverages to save a buck or two. There are many occasions where consumers will sacrifice uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. Your goal should be to find the BEST coverage at an affordable rate, not the least amount of coverage.
Additional information can be read at these links:
- Child Safety Seats (Insurance Information Insitute)
- Who Has Cheap Atlanta Car Insurance for a Ford Explorer? (AtlantaMetroInsurance.com)
- Teen Driver Licensing Information (iihs.org)
- Auto Insurance Basics (Insurance Information Insitute)
- Auto Insurance FAQ (Farmers Insurance)
- Get the Right Protection (InsureUonline.org)
- Uninsured Motorist Statistics (Insurance Information Insitute)
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