Ford Ford Explorer Insurance Rates
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UPDATED: Dec 7, 2021
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Want better insurance coverage rates for your Ford Explorer? Having to pay for overpriced Ford Explorer insurance can drain your checking account and force you to prioritize other expenses. Shopping your coverage around is free and is an excellent way to reduce premiums and put more money in your pocket.
Many car insurance companies compete for your business, so it’s not easy to compare every company to get the best rates possible.
Consumers need to price shop coverage yearly since insurance rates are variable and change quite frequently. Despite the fact that you may have had the best deal on Explorer insurance six months ago you may be paying too much now. Starting now, forget all the misinformation about insurance coverage because you’re about to learn how to quote online to find better rates and still maintain coverage.
Don’t pay full price with these discounts
Car insurance can cost a lot, but there are discounts available that many people don’t even know exist. Some discounts apply automatically at the time of purchase, but lesser-known reductions have to be inquired about before they will apply.
- Drive Less and Save – Keeping the miles down on your Ford could qualify for better rates on cars that stay parked.
- Clubs and Organizations – Participating in a professional or civic organization could qualify you for a break on your policy on Explorer insurance.
- Paperwork-free – A handful of insurance companies will discount your bill up to fifty bucks for buying your policy online.
- One Accident Forgiven – Some insurance companies will allow you to have one accident before your rates go up so long as you haven’t had any claims prior to the accident.
- Distant Student – Children 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.
- Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
Consumers should know that some of the credits will not apply to all coverage premiums. Most only cut the cost of specific coverages such as liability and collision coverage. Just because you may think adding up those discounts means a free policy, auto insurance companies aren’t that generous. But any discount will cut the cost of coverage.
A partial list of companies that possibly offer some of the above discounts are:
- State Farm
- Liberty Mutual
- The Hartford
Before buying, ask all companies you are considering how you can save money. All car insurance discounts may not apply in your state.
Your personal situation dictates your coverage
When buying the right insurance coverage, there is no best way to insure your cars. Each situation is unique so your insurance should reflect that Here are some questions about coverages that might point out whether or not you might need an agent’s assistance.
- How can I force my company to pay a claim?
- When can I cancel my policy?
- Does my medical payments coverage pay my health insurance deductible?
- Does coverage extend to a rental car in a foreign country?
- Should I drop comprehensive coverage on older vehicles?
- Are my tools covered if they get stolen from my vehicle?
- Does insurance cover damages from a DUI accident?
If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier
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The fine print in car insurance ads
Allstate, GEICO and Progressive constantly bombard you with ads on television and other media. All the companies make an identical promise of big savings if you switch your coverage to them. But how can every company make almost identical claims?
All the different companies are able to cherry pick for the right customer that makes them money. An example of a profitable customer could be between 25 and 40, has no tickets, and has a short commute. A customer getting a price quote who meets those qualifications will get the preferred rates and is almost guaranteed to save when switching.
Drivers who do not match this ideal profile will have to pay higher premiums and this can result in business going elsewhere. The ad wording is “people who switch” not “everybody who quotes” save that much. That’s the way companies can truthfully make the claims of big savings.
Because of the profiling, you need to get as many quotes as possible. It’s not possible to predict which insurance companies will fit your personal profile best.
Specific coverages for a Ford Explorer
Learning about specific coverages of your policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. These are the usual coverages found on the average car insurance policy.
Coverage for medical expenses
Med pay and PIP coverage reimburse you for immediate expenses such as hospital visits, surgery and chiropractic care. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. 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
Coverage for liability
Liability insurance can cover injuries or damage you cause to other people or property. It protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Alternatively, you may have a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.
Liability coverage protects against claims such as repair bills for other people’s vehicles, attorney fees, legal defense fees, pain and suffering and medical services. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.
This pays for damage to your Explorer caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against things such as colliding with a tree, scraping a guard rail and backing into a parked car. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.
Comprehensive car insurance
This pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive insurance covers claims like hitting a bird, damage from a tornado or hurricane, a broken windshield and fire damage. The highest 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 consider removing comprehensive coverage.
Coverage for uninsured or underinsured drivers
This gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your 2008 Ford Explorer.
Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Frequently these coverages do not exceed the liability coverage limits.
Be a Smart Shopper
When you buy insurance online, never buy lower coverage limits just to save a few bucks. In many instances, someone dropped physical damage coverage only to find out that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase a proper amount of coverage for the lowest price while still protecting your assets.
Throughout this article, we presented many ways to save on 2008 Ford Explorer insurance. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding lower rates. Drivers may discover the most savings is with some of the lesser-known companies. Smaller companies may only write in your state and offer lower rates than their larger competitors like Progressive or GEICO.
Additional information can be found at these links:
- Older Drivers FAQ (iihs.org)
- Who Has the Cheapest Auto Insurance for a Ford Explorer in Louisville? (LouisvilleInsure.com)
- How to Avoid Common Accidents (State Farm)
- Red Light Cameras (State Farm)
- Can I Drive Legally without Insurance? (Insurance Information Insitute)
- Distracted Driving (Insurance Information Insitute)
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