Cheapest 2016 Ford Explorer Insurance Rates in 2023
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UPDATED: Jun 6, 2023
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Are you sick and tired of trying to scrape together enough money to insure your Ford every month? You are in the same boat as many other drivers.
Insurance companies such as GEICO and Progressive continually bombard you with ads and it is challenging if not impossible to see through the deception and effectively compare rates to find the best deal.
Ford Explorer insurance rates have many determining factors
Smart consumers have a good feel for some of the elements that help determine your car insurance rates. Knowing what controls the rates you pay enables informed choices that can help you get better car insurance rates.
- Discounts for multiple policies – Some car insurance companies provide better rates to policyholders who carry more than one policy, otherwise known as a multi-policy discount. Even with this discount, it’s still a good idea to comparison shop to make sure you are getting the best deal.
- Tickets mean higher rates – Your driving record has a big impact on rates. Drivers with clean records have lower premiums than people who have multiple driving citations. Even a single ticket may increase your cost by twenty percent. Drivers who get severe violations such as hit and run, DWI or reckless driving convictions may be required to file a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.
- No coverage gaps is important – Allowing your car insurance policy to lapse will be a sure-fire way to increase your car insurance rates. Not only will rates go up, failure to provide proof of insurance will get you a steep fine or even jail time.Then you may be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
- Don’t sacrifice liability coverage – Your policy’s liability coverage is the coverage that protects you if you are found to be at fault for causing damage or personal injury in an accident. It provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so buy as much as you can afford.
- Lower deductibles cost more – Coverage for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your Ford. Some examples of claims that would be covered could be colliding with a building, damage caused by hail, and windstorm damage. Deductibles for physical damage are how much you are required to spend if you file a covered claim. The more the insured has to pay upfront, the less your company will charge you for insurance for Explorer coverage.
- Don’t buy coverages you don’t need – There are a lot of extra bells and whistles that you can get tricked into buying on your car insurance policy. Insurance for roadside assistance, accidental death and motor club memberships are some examples. These coverages may sound good initially, but if you don’t need them eliminate the coverages to reduce your premium.
- Safer occupants lowers premiums – Vehicles with good safety scores are cheaper to insure. Safer cars have better occupant injury protection and fewer injuries means lower claim amounts and lower rates for you. If your Ford Explorer scored better than four stars on Safercar.gov you are probably receiving a discount.
- Your job and insurance rates – Did you know your car insurance rates can be affected by your occupation? Careers like judges, executives and accountants tend to pay higher rates than average because of high stress levels and lots of time spent at work. On the flip side, occupations like pilots, athletes and homemakers have the lowest average rates for Explorer coverage.
How to Lower Your Insurance Coverage Cost
Most major insurance companies quote coverage prices on the web. Getting online rates doesn’t take a lot of time as you just enter the amount of coverage you want as requested by the quote form. After you complete the form, their rating system pulls information on your driving record and credit history and provides a quote determined by many factors. Being able to quote online makes it a lot easier to compare rates but the process of having to visit many different websites and fill out multiple forms can get tiresome after awhile. But it’s very important to perform this step if you are searching for better insurance coverage pricing.
There is an easier way!
The easiest way to find lower prices uses one form to get prices from more than one company. This type of form saves time, helps eliminate reptitive entry, and makes comparison shopping much more efficient. Once the form is submitted, it is quoted and you can choose your choice of the price quotes you receive.
If the quotes result in lower rates, you simply finish the application and buy the policy. This process takes just a few minutes to complete and you will find out if you’re overpaying now.
To use this form to compare rates, click here to open in a new tab and fill out the form. If you have a policy now, it’s recommended you input coverages and limits just like they are on your policy. This makes sure you will have a fair comparison for exact coverage.
Save on Ford Explorer insurance
Insurance can cost an arm and a leg, but discounts can save money and there are some available that you may not even be aware of. Some discounts apply automatically at quote time, but a few need to be specifically requested before you get the savings.
- Anti-theft Discount – Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
- Discount for New Cars – Insuring a new car can save up to 30% since new cars are generally safer.
- Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
- No Claims – Good drivers with no accidents pay less when compared with drivers who are more careless.
- Seat Belts Save – Drivers who require all occupants to use their safety belts could save 15% off your medical payments premium.
- Air Bag Discount – Cars that have air bags can qualify for discounts of 20% or more.
- Homeowners Pay Less – Owning a home may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
- Federal Employees – Employees or retirees of the government can save as much as 8% for Explorer coverage with select insurance companies.
- Service Members Pay Less – Having a family member in the military could be rewarded with lower premiums.
- Pay Now and Pay Less – If you pay your bill all at once rather than paying monthly you could save 5% or more.
It’s important to understand that some credits don’t apply to your bottom line cost. Most only reduce individual premiums such as comprehensive or collision. So when it seems like adding up those discounts means a free policy, companies don’t profit that way. But all discounts will reduce the cost of coverage.
Car insurance companies that may have these benefits may include but are not limited to:
Check with each insurance company which discounts they offer. Savings may not apply in your area.
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Tailor your coverage to you
When buying adequate coverage, there really is no “perfect” insurance plan. Every insured’s situation is different and your policy should reflect that. For instance, these questions might point out whether your personal situation might need an agent’s assistance.
- Does my policy pay for OEM or aftermarket parts?
- How much underlying liability do I need for an umbrella policy?
- What is roadside assistance coverage?
- When do I need to add a new car to my policy?
- Does medical payments coverage apply to all occupants?
- Does my 2016 Ford Explorer qualify for pleasure use?
If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of auto insurance companies in your area.
Knowing the specifics of auto insurance can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement. Shown next are typical coverages found on most auto insurance policies.
Coverage for medical payments
Coverage for medical payments and/or PIP provide coverage for bills for ambulance fees, chiropractic care and surgery. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay
Liability insurance will cover damage or injury you incur to other’s property or people. This insurance protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see 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 property damage coverage for $25,000. Another option is one number which is a combined single limit that pays claims from the same limit without having the split limit caps.
Liability insurance covers claims like repair bills for other people’s vehicles, legal defense fees, funeral expenses and medical services. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.
Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things such as rock chips in glass, fire damage, damage from a tornado or hurricane and falling objects. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Uninsured and underinsured coverage
This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Ford Explorer.
Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Normally the UM/UIM limits are set the same as your liablity limits.
Collision insurance pays for damage to your Explorer from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.
Collision coverage protects against things like colliding with a tree, sideswiping another vehicle, backing into a parked car, crashing into a ditch and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.
Be a Smart Shopper
In this article, we covered many tips how you can save on 2016 Ford Explorer insurance. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest rates come from a small mutual company. These companies can often insure niche markets at a lower cost than their larger competitors like State Farm, GEICO and Nationwide.
While you’re price shopping online, do not sacrifice coverage to reduce premiums. There are a lot of situations where an insured cut physical damage coverage and found out when filing a claim they didn’t purchase enough coverage. Your aim should be to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.
To learn more, take a look at these articles:
- Smart Auto Insurance Tips (Insurance Information Insitute)
- Who Has Affordable Car Insurance Quotes for a Ford Explorer in Anchorage? (AnchorageAutoGuard.com)
- Prom Night Tips for Teen Drivers (State Farm)
- Should I Buy a New or Used Car? (Allstate)
- Uninsured Motorist Statistics (Insurance Information Insitute)
- Choosing a Car for Your Teen (State Farm)
Frequently Asked Questions
Are there any specific coverages that I should consider adding to my Ford Explorer insurance policy?
While coverage needs vary depending on individual circumstances, some additional coverages to consider for your Ford Explorer insurance policy include collision coverage, comprehensive coverage, roadside assistance coverage, rental car reimbursement, and gap insurance.
How can my credit history affect my Ford Explorer insurance rates?
Your credit history can impact your insurance rates. Insurance companies often consider credit-based insurance scores when determining premiums. Maintaining good credit can help you secure better rates for your Ford Explorer insurance.
Are there any specific insurance companies known for offering affordable rates for Ford Explorer owners?
While there are many insurance companies to choose from, some popular ones known for offering competitive rates for Ford Explorer owners include GEICO, Progressive, MetLife, Travelers, SAFECO, and AAA. However, it’s always recommended to compare quotes from multiple insurers to find the best deal for your specific situation.
Can I get a discount on my Ford Explorer insurance if I have advanced safety features installed in my vehicle?
Yes, having advanced safety features in your Ford Explorer, such as anti-lock brakes, airbags, and electronic stability control, may qualify you for discounts on your insurance premiums. Be sure to inquire with insurance providers about potential discounts for safety features.
Does my location or ZIP code affect my Ford Explorer insurance rates?
Yes, your location or zip code can impact your insurance rates. Factors such as population density, crime rates, and frequency of accidents in your area can influence the premiums you’ll pay for insuring your Ford Explorer.
Can I save money on my Ford Explorer insurance by bundling it with other insurance policies?
Yes, bundling your Ford Explorer insurance with other policies, such as homeowners or renters insurance, may qualify you for a multi-policy discount. This can potentially result in savings on your overall insurance costs.
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