Cheapest 2007 Ford Explorer Sport Trac Insurance Rates in 2023
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UPDATED: Jun 4, 2023
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Are you sick and tired of scraping the payment together to pay your car insurance bill each month? Your situation is no different than many other drivers. Having so many different company options, it’s difficult to find the lowest price car insurance company.
It’s a good idea to do rate comparisons quite often because insurance rates are variable and change quite frequently. Even if you think you had the lowest rates on Explorer Sport Trac coverage a couple years back you can probably find a lower rate today. Forget all the misinformation about insurance because you’re about to find out the things you must know in order to find great coverage at a great price.
Finding the best rates is not that difficult. If you currently have car insurance, you will most likely be able to cut costs considerably using these methods. Consumers just need to learn how to shop for car insurance on the web.
How to reduce Ford Explorer Sport Trac insurance rates
Companies that sell car insurance don’t always list all available discounts in an easy-to-find place, so we researched both well-publicized and the more hidden insurance coverage savings. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.
- Multiple Vehicles – Having multiple vehicles on one policy qualifies for this discount.
- Employee of Federal Government – Simply working for the federal government can earn a discount up to 10% on Explorer Sport Trac coverage with certain companies.
- Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
- Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
- Fewer Miles Equal More Savings – Low mileage vehicles could qualify for a substantially lower rate.
- Good Students Pay Less – This discount can get you a discount of up to 25%. The discount lasts until age 25.
- Homeowners Discount – Being a homeowner can help you save on insurance coverage because maintaining a house demonstrates responsibility.
It’s important to note that most credits do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as comp or med pay. So even though they make it sound like having all the discounts means you get insurance for free, companies don’t profit that way.
To see a list of companies who offer insurance coverage discounts, click here.
Insurance Prices Online
Finding lower insurance rates is not a difficult process. All that’s required is to spend a few minutes on the computer comparing rate quotes provided by online insurance companies. This can be accomplished in just a few minutes using one of these methods.
- The easiest and least time consuming way consumers can analyze rates is an all-inclusive rate comparison click to view form in new window. This method eliminates the need for repetitive form submissions to each individual insurance company. Completing one form will get you price quotes from multiple low-cost companies.
- A slightly less efficient method to compare prices is spending the time to visit the website for every company you want to comare to complete their respective quote request forms. For example, we’ll pretend you want comparison quotes from Progressive, Farmers and Liberty Mutual. To find out each rate you need to visit each site and enter your information, which is why the first method is quicker.For a list of links to insurance companies in your area, click here.
- The least efficient method of comparing rate quotes is to drive around to and from local insurance agencies. The ability to buy insurance online makes this process obsolete unless you require the personal advice that only a license agent can provide. Drivers can find lower rates online but buy from a local insurance agent and we’ll touch on that later.
It’s your choice how you get your quotes, but make darn sure you compare apples-to-apples information on every quote. If you are comparing different limits and deductibles on each one then you won’t be able to find the best deal for your Ford Explorer Sport Trac.
These factors can influence what you pay for Ford Explorer Sport Trac insurance
Consumers need to have an understanding of the different types of things that go into determining your insurance coverage rates. When you know what positively or negatively determines base rates helps enable you to make changes that can help you get lower insurance coverage prices.
Listed below are a few of the “ingredients” that factor into your rates.
- Rates may be higher depending on your occupation – Jobs such as real estate brokers, architects and stock brokers have the highest rates due to stressful work requirements and long work days. On the other hand, professions such as scientists, students and retirees get better rates on Explorer Sport Trac coverage.
- Poor credit can mean higher rates – A driver’s credit score is a large factor in calculating your insurance coverage rates. Therefore, if your credit is lower than you’d like, you could potentially save money when insuring your 2007 Ford Explorer Sport Trac by spending a little time repairing your credit. People with excellent credit tend to be more responsible as compared to drivers with poor credit.
- Where do you drive? – The higher the mileage driven each year the higher your rate. Most insurance companies rate vehicles based on their usage. Cars left parked in the garage get more affordable rates compared to those used for work or business. Make sure your insurance coverage declarations sheet properly reflects the correct usage for each vehicle. If your policy improperly rates your Explorer Sport Trac can cost quite a bit.
- Never go without insurance – Letting your insurance expire will be a guaranteed way to increase your insurance coverage rates. Not only will you pay more, but not being able to provide proof of insurance may earn you a revoked license or a big fine.
- Traffic citations inflate rates – Your driving record has a big impact on rates. Even a single speeding ticket can increase rates by as much as thirty percent. Good drivers get better rates than their less careful counterparts. Drivers who get dangerous violations such as DWI, reckless driving or hit and run convictions may be required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to prevent a license revocation.
- Extra add-on coverages are wasting money – There are many add-on coverages that you can buy on your Explorer Sport Trac policy. Coverages like rental car reimbursement, towing coverage and membership fees are examples of these. These may sound like a good investment initially, but your needs may have changed so get rid of them and save.
- More claims means more premium – If you tend to file frequent claims, you can look forward to higher rates. Car insurance companies give lower rates to drivers who are claim-free. Insurance coverage is meant to be used in the event of larger claims.
Tailor your coverage to you
When choosing the best insurance coverage coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s needs are different and a cookie cutter policy won’t apply. For example, these questions might point out if your insurance needs could use an agent’s help.
- What can I do if my company denied a claim?
- Should I get collision insurance on every vehicle?
- Am I insured when driving a different vehicle?
- Do I get a pro-rated refund if I cancel my policy early?
- What is high-risk coverage and where do I buy it?
- Who is covered when they drive my 2007 Ford Explorer Sport Trac?
- Can I drive in Mexico and have coverage?
- Is my 2007 Ford Explorer Sport Trac covered for smoke damage?
If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It is quick, free and can help protect your family.
Auto insurance coverage basics
Learning about specific coverages of auto insurance can help you determine the right coverages for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages found on most auto insurance policies.
Collision coverage – This coverage pays for damage to your Explorer Sport Trac resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.
Collision can pay for claims like scraping a guard rail, crashing into a building and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.
Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, rock chips in glass and damage from flooding. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.
Insurance for medical payments – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for surgery, chiropractic care, ambulance fees, doctor visits and prosthetic devices. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage
Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.
Liability auto insurance – Liability coverage can cover damage or injury you incur to a person or their property that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.
Liability insurance covers claims like court costs, emergency aid and funeral expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.
Don’t be a big spender
We just showed you quite a bit of information on how to lower your 2007 Ford Explorer Sport Trac insurance rates. It’s most important to understand that the more companies you get rates for, the better chance you’ll have of finding lower rates. You may even discover the lowest premiums are with some of the smallest insurance companies. They may cover specific market segments cheaper than their larger competitors like State Farm, GEICO and Nationwide.
While you’re price shopping online, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many situations where someone sacrificed collision coverage only to regret at claim time they didn’t purchase enough coverage. The ultimate goal is to purchase plenty of coverage at the best price while still protecting your assets.
Low-cost insurance is possible on the web in addition to many insurance agents, and you should be comparing both to have the best chance of lowering rates. Some insurance companies do not provide you the ability to get quotes online and usually these regional insurance providers provide coverage only through local independent agents.
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Frequently Asked Questions
How can I find the cheapest insurance for my 2007 Ford Explorer Sport Trac?
To find the cheapest insurance for your 2007 Ford Explorer Sport Trac, consider the following steps:
- Shop around: Obtain quotes from multiple insurance providers to compare prices and coverage options.
- Evaluate coverage needs: Assess your specific insurance requirements, such as liability coverage, collision coverage, comprehensive coverage, and personal injury protection. Determine the appropriate level of coverage you need.
- Maintain a clean driving record: A history of safe driving can help lower your insurance premiums.
- Increase deductibles: Choosing higher deductibles can result in lower insurance premiums, but remember to set deductibles at a level you can comfortably afford to pay in case of a claim.
- Bundle policies: Consider bundling your auto insurance with other insurance policies, such as home or renters insurance, as many insurers offer discounts for multiple policies.
- Inquire about discounts: Ask insurance providers about available discounts, such as safe driver discounts, multi-vehicle discounts, or loyalty discounts.
Are there any specific features of the 2007 Ford Explorer Sport Trac that could affect insurance rates?
Yes, certain features of the 2007 Ford Explorer Sport Trac may impact insurance rates. Some factors that could influence insurance premiums include:
- Vehicle safety features: The presence of safety features like anti-lock brakes, airbags, and stability control systems may lead to lower insurance rates.
- Theft deterrent systems: If your vehicle is equipped with anti-theft devices like alarms or tracking systems, it can potentially reduce the risk of theft, thereby affecting insurance rates.
- Vehicle age and condition: Older vehicles might have lower value, which can result in lower insurance premiums.
- Repair costs: The cost to repair or replace parts of the vehicle can influence insurance rates. If the 2007 Ford Explorer Sport Trac has expensive or rare parts, it could impact insurance costs.
Are there any specific insurance providers that offer affordable rates for a 2007 Ford Explorer Sport Trac?
Insurance rates can vary based on several factors, including location, driving record, and individual circumstances. It’s recommended to contact multiple insurance providers and obtain quotes specific to your situation. Some well-known insurance companies that you may consider contacting include Geico, Progressive, State Farm, Allstate, and Nationwide. However, the availability and affordability of insurance can differ based on your location and other variables, so it’s best to compare quotes from multiple providers.
Can I get discounts for insuring a 2007 Ford Explorer Sport Trac?
Yes, you may be eligible for various discounts when insuring a 2007 Ford Explorer Sport Trac. Common discounts offered by insurance providers include:
- Safe driver discounts: Insurance companies often offer discounts to drivers with a clean driving record and no recent accidents or traffic violations.
- Multi-vehicle discounts: If you insure multiple vehicles with the same insurance provider, you may be eligible for a discount.
- Bundling discounts: Insuring your 2007 Ford Explorer Sport Trac with the same company that provides your home, renters, or other insurance policies can often result in a discount.
- Good student discounts: If you or a family member on the policy is a student with good grades, you may qualify for a discount.
- Anti-theft device discounts: Installing anti-theft devices such as alarms or tracking systems in your vehicle can potentially lead to a discount on your insurance premium.
- Loyalty discounts: Some insurance companies offer discounts to policyholders who have been with them for an extended period of time.
Are there any specific factors that could increase the insurance rates for a 2007 Ford Explorer Sport Trac?
Yes, certain factors could potentially increase the insurance rates for a 2007 Ford Explorer Sport Trac. These factors may include:
- High-risk driver status: If you have a history of accidents, traffic violations, or insurance claims, you may be considered a high-risk driver, leading to higher insurance rates.
- Inadequate coverage limits: Opting for lower coverage limits or minimal coverage may result in lower premiums initially but could leave you exposed to higher costs in the event of an accident.
- High annual mileage: If you drive your 2007 Ford Explorer Sport Trac extensively, insurers may view it as a higher risk, potentially leading to higher premiums.
- Poor credit history: In some states and jurisdictions, insurance companies may consider credit history as a factor in determining insurance rates. A lower credit score could result in higher premiums.
- Previous lapse in insurance: If you had a gap in insurance coverage or a period of being uninsured, insurance companies may view you as a higher risk, leading to increased rates.
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