Cheaper 2021 Ford Explorer Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 4, 2024

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Do you get exhausted from sacrificing other expenses to pay high car insurance rates every month? You have the same problem as the majority of other people. Online insurance companies like Allstate, Progressive and GEICO all claim big savings with fancy advertisements and it can be hard to ignore the flying pigs and cute green geckos and find the best price available.

It’s smart to do price comparisons once or twice a year because car insurance prices are variable and change quite frequently. Even if you got the best quotes for Explorer coverage two years ago there may be better deals available now. Ignore everything you know about car insurance because you’re about to find out the things you must know in order to reduce your cost while improving coverage.

If you have a policy now or are looking for a new policy, you will benefit by learning to get lower rates and still get good coverage. Choosing the best insurance company for you is not rocket science. Vehicle owners just need to understand the proper methods to buy insurance coverage on the web.

The Ford Explorer insurance price equation

Many things are part of the calculation when quoting car insurance. Most are fairly basic such as your driving history, but some are less apparent such as your marital status or your financial responsibility. A large part of saving on insurance is knowing the rating factors that go into determining your premiums. If you have a feel for what positively or negatively impacts your premiums, this empowers consumers to make smart changes that could help you find lower premium levels.

  • Expect high rates for teens – Teenage drivers are known to get distracted easily when behind the wheel so they pay higher insurance rates. If you’ve ever had to add a beginning driver onto a policy can really hurt. More mature drivers are shown to be more cautious, file fewer claims and receive fewer citations.
  • Insurance rates and job – Do you work in a high-stress field? Jobs such as doctors, business owners and dentists have higher premiums than the average policyholder in part from intense work-related stress and incredibly demanding work hours. On the other hand, occupations such as professors, historians and retirees have lower than average premiums for Explorer coverage.
  • Put fewer miles on your vehicle – Driving a lot of miles every year the higher your rate. Almost all companies charge rates based upon how you use the vehicle. Vehicles that have low annual miles receive better premium rates than vehicles that are driven to work every day. Improper usage on your Explorer may be wasting your money. Make sure your vehicle rating is rated on the right rating data.
  • Extra policy coverages you don’t need – There are many add-on coverages that sound like a good idea at the time when buying insurance. Things like rental car coverage, towing, and motor club memberships may be costing you every month. They may seem like a good idea when you first buy your policy, but your money might be better spent on other coverage so get rid of them and save.
  • See if your company offers a multi-policy discount – Many companies give lower prices to policyholders who consolidate policies with them, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s still a good idea to shop around to confirm you are receiving the best rates possible. You may still be able to find a better deal by insuring with multiple companies.
  • Safer cars means lower rates – Cars with high safety ratings tend to have lower insurance rates. Vehicles engineered for safety protect occupants better and lower injury rates translates into savings for insurance companies and cheaper rates on your policy.
  • Liability coverage is peace of mind – Liability insurance is the coverage that protects you if a court rules you are at fault for physical damage or personal injury to other. Liability provides you with a defense in court which can be incredibly expensive. Liability is cheap compared to comp and collision, so do not skimp.

Compare free auto insurance rate quotes

There are multiple methods you can shop for auto insurance but one way is easier and takes less work. You can waste a lot of time discussing policy coverages with insurance agencies in your area, or you can stay home and use online quoting to get the quickest rates.

Many insurance companies enroll in a system that enables customers to submit their information once, and each participating company can provide price quotes based on that data. This eliminates the need for quote forms for each company you want a rate for.

To access this free quoting program, enter your zip code here.

The one disadvantage to doing it this way is buyers cannot specifically choose which carriers you will receive quotes from. So if you prefer to pick from a list of companies to compare rates, we have a listing of the cheapest auto insurance companies in your area. Click to enter zip code.

Compare rates however you want, just be sure you’re using the exact same coverages for each price quote. If you compare different deductibles it will be very difficult to truly determine the lowest rate.

Discounts for lower-cost insurance rates

Some insurers don’t always advertise every possible discount in a way that’s easy to find, so here is a list both the well known and also the lesser-known credits available to bring down your rates.

  • Student Driver Training – Have your child successfully take a drivers education course as it can save substantially.
  • New Vehicle Savings – Insuring a vehicle that is new can be considerably cheaper due to better safety requirements for new vehicles.
  • Active Military Service – Being deployed in the military could qualify you for better rates.
  • Anti-theft Discount – Vehicles that have factory anti-theft systems are less likely to be stolen and will qualify for a discount on a insurance quote.
  • Multi-policy Discount – When you have multiple policies and insure them with the same company they may give you a discount of 10% to 20% off each policy.
  • More Vehicles More Savings – Purchasing coverage when you have several vehicles with the same insurance company can get a discount on all vehicles.
  • Government Employees – Having worked for a branch of the government can earn a discount up to 10% for Explorer coverage with select insurance companies.
  • No Charge for an Accident – This one isn’t a discount, but a handful of insurance companies will let one accident slide before your rates go up so long as you haven’t had any claims for a set time period.
  • Discounts for Good Drivers – Insureds who avoid accidents can save up to 40% or more on their insurance quote for Explorer coverage as compared to drivers with claims.
  • Club Memberships – Belonging to a civic or occupational organization could earn you a nice discount on your policy.

Please keep in mind that some credits don’t apply to the entire cost. Most only cut the price of certain insurance coverages like comp or med pay. So when the math indicates you would end up receiving a 100% discount, insurance companies aren’t that generous.

Large insurance companies and their possible discounts are included below.

  • American Family discounts include good driver, good student, Steer into Savings, defensive driver, early bird, bundled insurance, and accident-free.
  • Farm Bureau has discounts for driver training, safe driver, renewal discount, multi-vehicle, good student, and 55 and retired.
  • State Farm offers discounts including multiple autos, Drive Safe & Save, good driver, driver’s education, and good student.
  • Travelers offers premium reductions for student away at school, IntelliDrive, early quote, new car, payment discounts, continuous insurance, and multi-policy.
  • The Hartford may offer discounts for defensive driver, good student, bundle, air bag, anti-theft, and driver training.
  • GEICO may have discounts that include multi-policy, five-year accident-free, air bags, anti-theft, and membership and employees.
  • Progressive policyholders can earn discounts including online signing, homeowner, multi-policy, continuous coverage, online quote discount, and good student.

If you are trying to find cheap insurance quotes, ask every prospective company what discounts are available to you. All car insurance discounts might not apply in your area. To locate insurers with significant discounts, enter your zip code here.

Tailor your car insurance coverage to you

When it comes to choosing adequate coverage for your vehicles, there is no single plan that fits everyone. Everyone’s needs are different and your policy should reflect that. These are some specific questions may help you determine whether you would benefit from professional advice.

  • Am I covered when pulling a rental trailer?
  • Why am I required to get a high-risk car insurance policy?
  • Why does it cost so much to insure a teen driver?
  • Does my policy cover my teen driver if they drive my company car?
  • What can I do if my company won’t pay a claim?
  • I have a DUI can I still get coverage?
  • Can I rent a car in Mexico?
  • Am I covered when delivering products for my home-based business?
  • Is my 2021 Ford Explorer covered for flood damage?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, simply complete your zip code. It’s fast, doesn’t cost anything and may give you better protection.

Detailed coverages of your insurance policy

Having a good grasp of your insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverage types offered by insurance companies.

Auto collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like rolling your car, crashing into a building and backing into a parked car. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Liability auto insurance

Liability insurance protects you from damage that occurs to people or other property that is your fault. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage protects against claims such as repair bills for other people’s vehicles, legal defense fees and loss of income. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for bills for things like rehabilitation expenses, doctor visits and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Comprehensive or Other Than Collision

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hitting a deer, theft, vandalism and damage from a tornado or hurricane. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Smart shoppers get results

As you quote insurance, it’s not a good idea to buy lower coverage limits just to save a few bucks. In too many instances, drivers have reduced uninsured motorist or liability limits and discovered at claim time that the savings was not a smart move. Your strategy should be to find the BEST coverage for the lowest price, but do not sacrifice coverage to save money.

We just presented some good ideas how to get a better price on 2021 Ford Explorer insurance. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the best price on auto insurance is with a small mutual company. These companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm or Progressive.

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