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Ford Ford Explorer Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Mar 6, 2020

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Searching for better auto insurance rates for your Ford Explorer? Overpriced Ford Explorer insurance can dwindle your checking account and force you to prioritize other expenses. Doing a price comparison is free, only takes a few minutes, and is a good way to cut your insurance bill.

Lots of auto insurance companies contend for your business, and it can be difficult to compare rates to discover the definitive best rates possible.

If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using this strategy. Finding the best rates is not rocket science. But car owners need to have an understanding of the methods companies use to sell insurance online because it can help you find the best coverage.

The quickest method to compare insurance rates from multiple companies is to know the fact most of the bigger providers actually pay money for the chance to compare rate quotes. To get started, all you need to do is take a few minutes to give details like if a SR-22 is needed, how much coverage you want, how much school you completed, and daily mileage. Your information is instantly provided to multiple different insurance companies and you will receive price estimates almost instantly.

To find lower rates now, click here and enter your coverage details.

Insurance agents can help

When choosing proper insurance coverage, there really is no “best” method to buy coverage. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions can aid in determining whether you might need an agent’s assistance.

  • Am I covered when using my vehicle for business?
  • Should I have combined single limit or split liability limits?
  • What is the ISO rating for a 2009 Ford Explorer?
  • Do I need roadside assistance coverage?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Am I covered when driving a rental car?
  • What is medical payments coverage?
  • Do I have newly-aquired coverage?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.

Free Auto Insurance Comparison

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

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Auto insurance specifics

Understanding the coverages of a auto insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages found on most auto insurance policies.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Ford Explorer.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Coverage for liability

Liability coverage will cover damage that occurs to a person or their property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for things like court costs, repair bills for other people’s vehicles, bail bonds, medical expenses and structural damage. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Coverage for collisions

Collision coverage covers damage to your Explorer resulting from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as colliding with another moving vehicle, crashing into a building, rolling your car, colliding with a tree and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for expenses like X-ray expenses, EMT expenses and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive insurance

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, hail damage and theft. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Use our FREE quote tool to compare rates now!

Free Auto Insurance Comparison

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