Lower Your 1991 Ford Explorer Car Insurance Cost

Trying to find better car insurance rates for your Ford Explorer? Purchasing low-cost car insurance on the web may at first seem to be problematic for consumers who are beginners to quoting and comparing and buying car insurance on the web. With such a large number of agents and online companies, how can anyone even start to compare each option to find cheaper car insurance prices?

It’s a good habit to quote other rates at least once a year because rates are usually higher with each renewal. If you had the lowest premium rates on Explorer coverage last year the chances are good that you can find a lower price today. Forget anything you know (or think you know) about car insurance because you’re going to learn the only way to save on car insurance.

Cheaper auto insurance rates with discounts

Insuring your vehicles can cost a lot, but there could be available discounts to help bring down the price. A few discounts will automatically apply when you purchase, but some discounts are required to be asked for before you get the savings.

  • Multiple Cars – Purchasing coverage when you have multiple cars or trucks on a single policy may reduce the rate for each vehicle.
  • Air Bags and Passive Restraints – Factory options such as air bags and/or automatic seat belt systems could see savings up to 30%.
  • Defensive Driver Discounts – Taking time to complete a course in safe driver may get you a small discount and also improve your driving technique.
  • Service Members Pay Less – Being deployed in the military could trigger a small discount.
  • Auto/Home Discount – If you combine your auto and homeowners policies with one company you will save as much as 10 to 15 percent.
  • Use Seat Belts – Forcing all vehicle occupants to fasten their seat belts may be able to save a few bucks on the premium charged for medical payments and/or PIP.
  • Distant Student – Children living away from home attending college and won’t have access to an insured vehicle may qualify for this discount.

Remember that most credits do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as comp or med pay. If you do the math and it seems like adding up those discounts means a free policy, you won’t be that lucky.

Companies and their offered discounts are outlined below.

  • GEICO has savings for five-year accident-free, air bags, federal employee, seat belt use, and emergency military deployment.
  • Auto-Owners Insurance includes discounts for safe vehicle, anti-theft, anti-lock brakes, paperless, multi-policy, safe driver, and mature driver.
  • American Family has discounts for defensive driver, multi-vehicle, accident-free, TimeAway discount, good student, and bundled insurance.
  • Esurance may include discounts for multi-policy, anti-lock brakes, anti-theft, emergency road assistance, and online shopper.
  • Progressive offers premium reductions for online signing, good student, homeowner, multi-vehicle, continuous coverage, online quote discount, and multi-policy.
  • State Farm may have discounts that include student away at school, accident-free, passive restraint, driver’s education, and multiple autos.
  • AAA discounts include good driver, multi-car, AAA membership discount, anti-theft, multi-policy, and education and occupation.

When quoting, ask each company or agent how many discounts you can get. Some discounts listed above might not be available to policyholders in your area. If you would like to view companies that offer discounts, click this link.

The quickest way to compare insurance rates from multiple companies is to know the trick auto insurance companies pay for the opportunity to provide you with free rate quotes. All you need to do is spend a couple of minutes providing details such as which vehicles you own, types of safety features, an estimate of your credit level, and how many miles driven. Your rating data is sent automatically to many of the top insurers and you get price estimates quickly.

Informed drivers can save money

The best way to find cheaper insurance coverage is to take a look at the rating factors that go into determining insurance coverage rates. When consumers understand what positively or negatively impacts your premiums, this allows you to make good choices that may result in lower insurance coverage prices.

Shown below are a few of the “ingredients” used by your company to calculate your rates.

  • Gender and auto insurance – Statistics show that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. Males and females are responsible for fender benders at a similar rate, but the male of the species tend to have more serious accidents. Not only are claims higher, but men get higher numbers of serious violations such as DWI and reckless driving. Males from age 16 to 21 are several times more likely to be in an accident and thus pay the highest rates.
  • Cut premiums and deter theft – Choosing to buy a car that has a built-in theft deterrent system can get you a discount on your insurance coverage. Systems that thwart theives such as OnStar, LoJack tracking, and tamper alarms can help prevent car theft and help bring rates down.
  • Employer impacts rates – Did you know your career choice can influence rates? Careers such as military personnel, business owners and miners generally pay higher rates than average because of intense work situations and long work days. On the other hand, professions such as actors, athletes and performers generally pay rates lower than average on Explorer coverage.
  • Insure your auto and home with one company – Many insurers provide lower prices to policyholders that buy multiple policies in the form of a multi-policy discount. Even though this discount sounds good, drivers will still want to comparison shop to guarantee you are still saving the most.
  • Lower miles driven equals lower premium – Driving more miles every year the more it will cost to insure it. A lot of companies charge to insure your cars determined by how the vehicle is used. Cars left parked in the garage receive lower rates than vehicles that have high annual mileage. An improperly rated Explorer is just wasting money. It’s a smart idea to ensure your insurance coverage policy states the correct usage for each vehicle, because it can save money.
  • Discounts for married couples – Your spouse may save some money compared to being single. Marriage translates into being more responsible and it’s proven that married drivers tend to have fewer serious accidents.
  • Driving citations mean higher premiums – Having a clean driving record can have a huge impact on auto insurance premiums. Only having one chargable violation may cause rates to rise by as much as thirty percent. Drivers who don’t get tickets pay lower auto insurance prices as compared to careless drivers. Drivers who have received flagrant citations such as DWI, reckless driving or hit and run convictions may find that they have to to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to drive a vehicle legally.
  • Premiums are affected by your address – Residing in a rural area may provide you with better prices when buying insurance coverage. People who live in big cities have traffic congestion and a longer drive to work. Fewer drivers on the road means less chance of accidents and lower theft and vandalism rates.

Tailor your car insurance coverage to you

When choosing adequate coverage, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s.

For instance, these questions can help discover whether or not you may require specific advice.

  • Am I covered when driving on a suspended license?
  • Do I need replacement cost coverage on my 1991 Ford Explorer?
  • When should my teen driver be added to my policy?
  • How do I insure my teen driver?
  • Am I covered if I drive in a foreign country?
  • Should I drop comprehensive coverage on older vehicles?
  • Should I rate my 1991 Ford Explorer as pleasure use or commute?
  • I don’t drive much so do I pay less?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Tricks in insurance advertising

Insurance providers like State Farm, GEICO and Progressive seem to constantly run television and radio advertisements. All the ads try to convey promises that drivers will save a bundle if you just switch to them. How is it plausible that every one can give you a better price? It’s all in the wording.

Different companies offer their best rates for the type of driver that will not have excessive claims. For instance, this type of driver should be over age 30, has a clear driving record, and drives a vehicle with a low ISO rating. A customer getting a price quote that hits that “sweet spot” receive the lowest rate quotes and will most likely pay quite a bit less when switching companies.

Potential customers who don’t meet these criteria will have to pay higher premium rates and this results in the prospect going elsewhere. If you listen closely, the ads state “people who switch” not “everyone who quotes” save that much. That is how companies can truthfully advertise the savings. This really drives home the point why drivers must compare as many free insurance coverage quotes as you can. It is impossible to guess the company that will give you lower premium rates than your current company.

Car insurance specifics

Understanding the coverages of car insurance can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Medical expense coverage – Medical payments and Personal Injury Protection insurance reimburse you for expenses like nursing services, chiropractic care, rehabilitation expenses, EMT expenses and ambulance fees. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Comprehensive protection – This will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like falling objects, theft, rock chips in glass, vandalism and hail damage. The maximum payout your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as colliding with a tree, hitting a parking meter, damaging your car on a curb, hitting a mailbox and driving through your garage door. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also increase the deductible to bring the cost down.

Uninsured or underinsured coverage – This provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as damage to your Ford Explorer.

Since many drivers have only the minimum liability required by law, 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.

Liability coverages – This coverage can cover injuries or damage you cause to other’s property or people that is your fault. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims such as court costs, pain and suffering and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.

Shop. Compare. Save.

Cheap 1991 Ford Explorer insurance is definitely available online and from local agencies, and you need to price shop both in order to have the best chance of saving money. Some companies may not have online rate quotes and many times these smaller providers only sell coverage through local independent agencies.

When getting insurance coverage quotes online, it’s a bad idea to buy less coverage just to save a little money. There are many occasions where drivers have reduced liability coverage limits and discovered at claim time they didn’t purchase enough coverage. The proper strategy is to buy a smart amount of coverage for the lowest cost, not the least amount of coverage.

In this article, we covered a lot of tips how to reduce 1991 Ford Explorer insurance prices online. The key thing to remember is the more quotes you get, the higher your chance of finding cheaper insurance coverage. Consumers could even find that the best prices are with a small mutual company.

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