2023 Ford Explorer Insurance Quotes 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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Want lower car insurance rates for your Ford Explorer? Did you make the mistake of buying high-priced car insurance? Say no more because many drivers feel the same as you.

Consumers have multiple car insurance companies to choose from, and although it’s a good thing to be able to choose, too many choices makes it more difficult to find a good deal.

Choosing the best insurance company for you is easy if you know what you’re doing. Just about every driver who shops for insurance coverage will more than likely be able to reduce their rates. Nevertheless, car owners do need to understand the methods companies use to market insurance on the web and use this information to your advantage.

How much does insurance cost?

When shopping for affordable car insurance quotes, there are a couple of ways to compare rate quotes from many different insurance companies. One of the best ways to compare 2023 Ford Explorer insurance prices consists of obtaining rate quotes online. This is quite simple and can be completed using a couple different methods.

  1. If you don’t have a lot of time, the easiest way consumers can analyze rates would be an industry-wide quote request form. This quick form keeps you from doing separate quote forms for every company. A single, simple form gets rate comparisons direct from many companies.
  2. A harder way to compare prices is spending the time to visit each individual company website and fill out their own quote form. For example, we’ll pretend you are doing a rate comparison from Auto-Owners, Esurance and American Family. To get each rate you have to go to every website and enter your information, which can get rather old.

It doesn’t matter which method you choose, just make sure you use apples-to-apples coverage limits and deductibles on every quote. If your comparisons have different limits and deductibles on each one you will not be able to truly determine the lowest rate. Even a minor difference in coverages may cause a big price difference. Keep in mind that having more price comparisons helps you find more affordable rates.

Insurance costs are influenced by these factors

Lots of factors are considered when you quote your car insurance policy. Some are obvious like an MVR report, although others are not as apparent like your vehicle usage or how safe your car is.

The items below are some of the things used by companies to determine your rates.

  • Lower insurance coverage rates with uninterrupted coverage – Driving without insurance is illegal and you may have a hard time finding new coverage because you let your insurance coverage expire. In addition to paying higher rates, getting caught without coverage may result in a revoked license or a big fine.
  • Deter car thieves – Choosing to buy a car that has a built-in theft deterrent system can save you a little every year. Anti-theft features like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all hinder your car from being stolen.
  • Certain employers pay higher rates – Careers such as real estate brokers, architects and financial analysts tend to pay higher rates than the rest of us attributed to high stress and incredibly demanding work hours. On the other hand, careers like farmers, historians and homemakers receive lower rates on Explorer insurance.
  • Don’t cut corners with liability protection – Your policy’s liability coverage provides coverage if you are responsible for causing damage or personal injury in an accident. It will provide legal defense coverage to attempt to prove you were not liable. This coverage is very inexpensive compared to other policy coverages, so drivers should carry high limits.
  • Gender and insurance premiums – Statistics demonstrate that females tend to be a little less risky than males. It does not mean males are worse at driving than females. Men and women get in auto accidents at a similar rate, but the males cause more damage and cost insurance companies more money. They also get cited for more serious violations like driving under the influence (DUI). Males from age 16 to 21 are several times more likely to be in an accident and are penalized with high insurance coverage rates.
  • Less chance of injury means lower insurance coverage rates – Vehicles with good safety scores are cheaper to insure. Vehicles built for safety result in less severe injuries and fewer injuries translates directly to fewer claims and cheaper rates on your policy. If your Ford Explorer is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Lower mileage equals lower premium – The higher the mileage driven in a year’s time the higher your rate. Almost all companies charge rates partially by how you use the vehicle. Vehicles not used for work or commuting can be on a lower rate level compared to those used for work or business. Having the wrong rating on your Explorer is throwing money out the window. Double check that your vehicle rating shows annual mileage, because improper ratings can cost you money.

Verify you’re earning every discount

Insuring your vehicles can cost a lot, but you may be missing some discounts that could help you make your next renewal payment. A few discounts will be applied when you purchase, but some discounts are required to be manually applied in order for you to get them.

  • Good Grades Discount – A discount for being a good student may save as much as 25% on a car insurance quote. Earning this discount can benefit you up until you turn 25.
  • Own a Home – Simply owning a home can save you money because it means you have a higher level of financial diligence.
  • College Student – who live away from home to go to college and won’t have access to an insured vehicle could get you a discount.
  • Safe Driver Discount – Drivers who don’t get into accidents may receive a discount up to 45% on Explorer insurance than less cautious drivers.
  • 55 and Retired – Mature drivers may receive a discount up to 10% on Explorer insurance.
  • Multi-line Discount – If the company offers life insurance, you could get a discount if you purchase some life insurance too.
  • No Accidents – Drivers with accident-free driving histories have much lower rates when compared to bad drivers.
  • Low Mileage Discounts – Low mileage vehicles may enable drivers to earn cheaper rates.
  • Employee of Federal Government – Employees or retirees of the government could provide a small rate reduction on Explorer insurance but check with your company.

You can save money using discounts, but some of the credits will not apply to the entire cost. Some only reduce individual premiums such as liability and collision coverage. So when the math indicates having all the discounts means you get insurance for free, it just doesn’t work that way.

Companies and their possible discounts can be read below.

  • GEICO has savings for defensive driver, seat belt use, multi-vehicle, anti-theft, good student, anti-lock brakes, and federal employee.
  • Mercury Insurance may include discounts for multi-car, annual mileage, anti-theft, good student, ease of repair, age of vehicle, and accident-free.
  • Farmers Insurance has discounts for teen driver, mature driver, homeowner, good student, youthful driver, multi-car, and alternative fuel.
  • Auto-Owners Insurance offers discounts for anti-lock brakes, teen driver, good student, group or association, and multi-policy.
  • Liberty Mutual policyholders can earn discounts including newly retired, teen driver discount, new vehicle discount, exclusive group savings, good student, and preferred payment discount.
  • SAFECO offers discounts including homeowner, anti-theft, teen safe driver, anti-lock brakes, and multi-car.
  • Progressive may have discounts that include multi-vehicle, online quote discount, online signing, homeowner, and good student.
  • USAA includes discounts for annual mileage, good student, new vehicle, safe driver, and multi-vehicle.

Check with each insurance company how you can save money. Discounts may not be available in your area. To find insurance companies that can offer you the previously mentioned discounts, enter your zip code here.

When should I discuss my situation with an agent?

When it comes to choosing the right insurance coverage, there really is no cookie cutter policy. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions may help you determine whether you will benefit from professional help.

  • Are my friends covered when driving my car?
  • Am I covered when driving in Canada or Mexico?
  • Am I covered when pulling a rental trailer?
  • Is my Ford Explorer covered if I use it for business?
  • Do I need higher collision deductibles?
  • Do I benefit by insuring my home with the same company?
  • Why am I required to buy liability insurance?
  • Is my cargo covered for damage or theft?
  • Do I need roadside assistance coverage?
  • How much liability insurance is required?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and enter your zip code.

Car insurance policy specifics

Having a good grasp of your car insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages found on the average car insurance policy.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your Ford Explorer.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for bills for X-ray expenses, chiropractic care, pain medications and prosthetic devices. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover you and your occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Liability insurance – This provides protection from damages or injuries you inflict on a person or their property in an accident. It protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims such as repair bills for other people’s vehicles, loss of income, emergency aid, attorney fees and legal defense fees. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as vandalism, hitting a bird, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage – Collision insurance covers damage to your Explorer resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as sustaining damage from a pot hole, colliding with another moving vehicle and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

A little work can save a LOT of money

In this article, we covered a lot of ways to reduce 2023 Ford Explorer insurance premium rates online. It’s most important to understand that the more you quote car insurance, the higher the chance of saving money. You may even find the lowest premium rates are with an unexpected company. They can often provide lower prices in certain areas than the large multi-state companies such as Allstate, GEICO and Progressive.

More affordable auto insurance can be sourced online and from local agencies, so get free car insurance quotes from both of them so you have a total pricing picture. Some companies don’t offer the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agencies.

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