Cheapest 2012 Ford Explorer Insurance Rates in 2023
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UPDATED: Dec 6, 2021
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Searching for better car insurance rates for your Ford Explorer? Scraping up a payment for overpriced Ford Explorer insurance can empty your checking account and put the squeeze on your family’s finances. Shopping your coverage around is free, only takes a few minutes, and is a good way to tighten up your finances.
Multiple auto insurance companies compete for your insurance dollar, and it can be difficult to compare rates to find the lowest cost out there.
It’s a good idea to shop coverage around periodically because insurance rates are constantly changing. Despite the fact that you may have had the best deal on Explorer insurance last year you can probably find a lower rate today. Starting right now, forget anything you know (or think you know) about car insurance because I’m going to teach you one of the best ways to save money, get proper coverage and the best rates.
If you are paying for car insurance now, you will be able to lower your premiums substantially using these methods. Buying car insurance is not that difficult. Nevertheless, drivers benefit from understanding how companies market on the web and use this information to your advantage.
Pay less by taking advantage of these nine discounts
Car insurance can cost a lot, buy you may qualify for discounts to help bring down the price. Certain discounts will be applied at the time of purchase, but lesser-known reductions have to be asked for in order for you to get them.
- Accident Waiver – A few companies will forgive one accident without raising rates if you are claim-free prior to the accident.
- Homeowners Discount – Simply owning a home can help you save on insurance because of the fact that having a home demonstrates responsibility.
- Federal Employees – Employees or retirees of the government may qualify you for a discount on Explorer insurance with a few insurance companies.
- Life Insurance – Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
- More Vehicles More Savings – Insuring multiple cars or trucks on one policy could earn a price break for each car.
- E-sign – A few companies will discount your bill up to fifty bucks just for signing your application over the internet.
- Defensive Driving Course – Successfully completing a defensive driving course could cut 5% off your bill depending on where you live.
- Fewer Miles Equal More Savings – Keeping the miles down on your Ford can qualify you for better rates on cars that stay parked.
- Discount for Swiching Early – Some insurance companies reward drivers for switching policies prior to your current policy expiring. The savings is around 10%.
As a disclaimer on discounts, some of the credits will not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like adding up those discounts means a free policy, it doesn’t quite work that way. But all discounts will help reduce the cost of coverage.
Car insurance companies that may offer these benefits include:
- Farm Bureau
- State Farm
Check with every prospective company how you can save money. Discounts may not be available in your state.
Car Insurance Comparisons
Most major insurance companies like Progressive, Allstate and GEICO provide prices for coverage on the web. Getting online quotes is quite simple as you just type in your required coverages into the quote form. After you complete the form, their system automatically orders your driving record and credit report and returns a price quote. Online quotes makes it a lot easier to compare rates but the work required to visit many different websites and fill out multiple forms is repetitive and time-consuming. But it is imperative to compare as many rates as possible in order to get the lowest car insurance rates.
The preferred way to lower your car insurance bill uses one simple form to return rates from many companies. It saves time, reduces the work, and makes online quotes much simpler. As soon as the form is sent, it is quoted with multiple companies and you can pick any of the returned quotes.
If a lower price is quoted, you can click and sign and purchase the new policy. It just takes a couple of minutes and may result in a nice savings.
To compare pricing, click here to open in new window and fill out the form. If you have coverage now, it’s recommended you input coverages and limits exactly as they are listed on your policy. This way, you will have comparison quotes for the exact same coverage.
Your coverage should be tailored to you
When it comes to choosing coverage for your personal vehicles, there really is no cookie cutter policy. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions could help you determine whether your personal situation would benefit from professional advice.
- When should I drop full coverage on my 2012 Ford Explorer?
- What if I owe more than I can insure my car for?
- How do I buy GAP insurance?
- Is my cargo covered for damage or theft?
- Does having multiple vehicles earn me a discount?
- Do I have newly-aquired coverage?
- Can I still get insurance after a DUI?
- Who is covered by my policy?
- Can I rent a car in Mexico?
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If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.
Can switching companies really save?
Companies like Progressive, Allstate and GEICO regularly use television and radio advertisements. All the ads make the same claim of big savings if you move to their company. But how can every company make almost identical claims? It’s all in the numbers.
All the different companies have a certain “appetite” for the driver that makes them money. For instance, a desirable insured could possibly be between the ages of 30 and 50, has no driving citations, and chooses high deductibles. Any driver who matches those parameters gets the lowest rates and therefore will save a lot of money.
Potential customers who fall outside the “perfect” profile will be charged higher rates which leads to the customer not buying. The ads state “customers who switch” but not “drivers who get quotes” save that kind of money. This is how companies can truthfully claim big savings.
That is why you need to compare as many rates as you can. It’s just too difficult to predict the company that will have the lowest Ford Explorer insurance rates.
Auto insurance 101
Knowing the specifics of your auto insurance policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverages found on the average auto insurance policy.
Medical payments and PIP coverage
Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like hospital visits, pain medications, funeral costs, surgery and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage
Liability car insurance
This can cover damage that occurs to people or other property by causing an accident. This coverage protects you from legal claims by others. It does not cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit which provides one coverage limit without having the split limit caps.
Liability insurance covers things like loss of income, medical expenses, structural damage, court costs and emergency aid. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.
UM/UIM (Uninsured/Underinsured Motorist) coverage
This provides protection when the “other guys” 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 Ford Explorer.
Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important. Frequently these limits do not exceed the liability coverage limits.
Comprehensive auto coverage
This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things such as a tree branch falling on your vehicle, hitting a bird and damage from flooding. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
This will pay to fix damage to your Explorer resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against things such as backing into a parked car, driving through your garage door, crashing into a ditch and colliding with a tree. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.
Make a quick buck
As you go through the steps to switch your coverage, do not reduce needed coverages to save money. There are too many instances where consumers will sacrifice uninsured motorist or liability limits only to find out that the few dollars in savings costed them thousands. Your goal should be to get the best coverage possible at the best price while still protecting your assets.
We’ve covered a lot of ways to lower your 2012 Ford Explorer insurance rates. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. You may even find the lowest priced insurance comes from the least-expected company. Smaller companies may often insure only within specific states and give getter rates than their larger competitors like Allstate, GEICO and Progressive.
Even more information is available at these sites:
- Auto Insurance FAQ (Farmers Insurance)
- Child Safety Seats (Insurance Information Insitute)
- Airbag FAQ (iihs.org)
- Smart Auto Insurance Tips (Insurance Information Insitute)
- Uninsured Motorist Statistics (Insurance Information Insitute)
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