Cheap 1993 Ford Explorer Insurance Rates

Want lower car insurance rates for your Ford Explorer? Perplexed by the sheer number of car insurance choices? consumers have so many choices that it can really be a big hassle to find the perfect company for you.

If you currently have a car insurance policy, you should be able to lower your premiums substantially using these techniques. The purpose of this post is to help educate you on how car insurance quotes work and some money-saving tips. But vehicle owners must learn the methods companies use to market insurance on the web and apply this information to your search.

Informed consumers can save money

Many things are part of the calculation when pricing auto insurance. Some of the criteria are obvious like an MVR report, although others are not as apparent like your vehicle usage and annual miles driven.Part of the insurance coverage buying process is learning the factors that come into play when calculating your policy premiums. When you know what positively or negatively determines premiums, this allows you to make good choices that can earn you cheaper rates.

The list below includes most of the major factors companies use to determine rates.

  • See if your company offers a multi-policy discount – Most larger insurance coverage companies afford discounts for people who have multiple policies with them. It’s known as a multi-policy discount. Even with this discount, it’s always a smart idea to get quotes from other companies to make sure you are getting the best deal.
  • Insurance rates for married couples – Walking down the aisle may earn you lower rates when shopping for insurance coverage. Having a significant other means you’re more mature and responsible and statistics show married drivers tend to have fewer serious accidents.
  • Teenagers vs. older drivers – Young drivers are statistically proven to be inattentive when driving with friends therefore insurance coverage rates are much higher. Older, more experienced drivers are viewed as being more responsible, cause fewer claims and accidents and get fewer tickets.
  • How much liability – Liability insurance is the coverage that protects you in the event that you are responsible for personal injury or accident damage. Liability provides legal defense which can cost thousands of dollars. This coverage is relatively inexpensive compared to comp and collision, so do not skimp.
  • Save by driving less – The more you drive in a year the more it will cost to insure it. The majority of insurers calculate rates partially by how you use the vehicle. Cars and trucks that have low annual miles cost less to insure than vehicles that have high annual mileage. A policy that improperly rates your Explorer can result in significantly higher rates. It’s always a good idea to double check that your declarations sheet shows the correct usage.
  • Higher insurance coverage rates for specific jobs – Did you know your occupation can influence how much you pay for insurance coverage? Careers such as doctors, executives and stock brokers are shown to have higher premiums than the average policyholder because of intense work requirements and long work days. On the other hand, careers such as actors, engineers and homemakers pay lower than average rates for Explorer coverage.
  • Only buy add-on coverages you need – There are many extra bells and whistles that sound like a good idea at the time when buying insurance coverage. Coverage for things like coverage for rental cars, high-cost glass coverage, and Farm Bureau memberships are some examples. They may sound like good ideas when buying your policy, but if you’ve never needed them in the past eliminate them to save money.
  • No policy lapses saves money – Going without insurance is a quick way to trigger a rate increase. Not only will rates go up, the inability to provide proof of insurance may earn you fines or a revoked license.

Free insurance coverage rate quotes

To find the best insurance coverage prices, there are several ways of comparing rates from many available insurance coverage companies in your state. The best method to find the cheapest 1993 Ford Explorer insurance rates consists of obtaining rate quotes online. It’s really quite simple and can be done in just a few minutes using one of these methods.

The single most time-saving way to get quotes for comparison would be an industry-wide quote request form click to view form in new window. This type of form keeps you from doing repetitive form submissions for every insurance coverage company. One form gets prices estimates from insurance coverage companies with the best prices. This is by far the quickest method.

A more difficult way to find lower rates requires you to visit each individual company website and repeat the quote process. For sake of this example, we’ll assume you want to compare Nationwide, Esurance and Allstate. To find out each rate you need to take the time to go to each site and punch in your information repeatedly, which is not fast way to get rate quotes.

For a list of links to companies insuring cars in your area, click here.

The most difficult way to get rate quotes to all the different insurance agencies. The ability to buy insurance online eliminates the middleman unless you have a need for the professional abilities that can only be provided by a licensed insurance agent. It is possible to compare online quotes but buy from a local insurance agent.

Compare rates however you want, just ensure you’re using exactly the same information for each comparison quote. If you use different coverage information it will be next to impossible to make a fair rate comparison. Even a minor difference in coverage limits may result in large price differences. And when comparing insurance coverage rates, know that obtaining a wide range of quotes helps improve the odds of finding a lower rate than you’re paying now. Not every company allows you to get online rate quotes, so it’s recommended that you also compare quotes from the smaller companies as well.

Save a ton by taking advantage of discounts

Insurance coverage is not an enjoyable expense, but you might already qualify for some discounts that many consumers don’t even know exist. Some discounts will apply at quote time, but some may not be applied and must be manually applied before being credited.

  • No Charge for an Accident – Not really a discount, but a few companies such as Liberty Mutual and GEICO will allow you to have one accident before raising your premiums if you are claim-free prior to the accident.
  • Claim Free – Good drivers with no accidents are rewarded with significantly better rates on auto insurance quote in comparison with insureds who have frequent claims or accidents.
  • Anti-lock Brake System – Cars and trucks equipped with ABS or steering control prevent accidents and the ABS can save up to 10%.
  • Onboard Data Collection – Drivers who elect to allow their company to track driving manner by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts if they exhibit good driving behavior.
  • Homeowners Discount – Just being a homeowner can save a few bucks due to the fact that maintaining a home shows financial diligence.
  • Air Bags and Passive Restraints – Cars that have air bags can qualify for discounts as much as 30%.
  • Paper-free Discount – A few larger companies give back up to $50 shop auto insurance over the internet.
  • Multiple Vehicles – Having primary and secondary vehicles on one policy could earn a price break for each car.

Remember that most of the big mark downs will not be given to the overall cost of the policy. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Despite the appearance that all the discounts add up to a free policy, it just doesn’t work that way.

The best insurance coverage companies and their offered discounts are shown below.

  • Esurance has savings for good student, safety device, good driver, defensive driver, online quote, online shopper, and anti-theft.
  • The Hartford offers premium reductions for driver training, defensive driver, good student, anti-theft, vehicle fuel type, bundle, and air bag.
  • AAA may offer discounts for multi-car, good driver, anti-theft, pay-in-full, AAA membership discount, good student, and education and occupation.
  • GEICO offers discounts including military active duty, five-year accident-free, driver training, seat belt use, membership and employees, multi-vehicle, and daytime running lights.
  • State Farm has discounts for Drive Safe & Save, good driver, accident-free, passive restraint, anti-theft, and multiple autos.

Check with every prospective company which discounts can lower your rates. Depending on the company, some discounts might not be available to policyholders in your area. To choose insurance companies that offer some of these discounts, click here to view.

How much insurance coverage do I need?

When buying proper insurance coverage, there really is no one size fits all plan. Everyone’s needs are different.

Here are some questions about coverages that could help you determine if you could use an agent’s help.

  • Am I covered when driving on a suspended license?
  • Why am I required to buy liability insurance?
  • Am I missing any policy discounts?
  • Why am I required to buy high-risk coverage?
  • What is an SR-22 filing?
  • Can I rent a car in Mexico?
  • Is business equipment covered while in my vehicle?
  • What happens if I owe more than my 1993 Ford Explorer is worth?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Car insurance coverages for a 1993 Ford Explorer

Having a good grasp of insurance helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist coverage

This provides protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of 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.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for hospital visits, doctor visits and X-ray expenses. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Collision protection

This coverage pays for damage to your Explorer resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as crashing into a ditch, hitting a parking meter, backing into a parked car and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

Coverage for liability

Liability insurance provides protection from damages or injuries you inflict on other people or property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability 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 $25,000 of coverage for damaged propery.

Liability coverage protects against claims like emergency aid, medical expenses, attorney fees and medical services. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Comprehensive coverage

This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from a tornado or hurricane, theft, vandalism, a broken windshield and hail damage. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

One last thing

When you buy auto insurance online, don’t be tempted to buy less coverage just to save a little money. There have been many situations where an accident victim reduced comprehensive coverage or liability limits only to find out they didn’t purchase enough coverage. Your strategy should be to purchase plenty of coverage at the best price while not skimping on critical coverages.

Budget-friendly insurance coverage can be purchased from both online companies and also from your neighborhood agents, and you should compare rates from both in order to have the best price selection to choose from. There are still a few companies who don’t offer online quoting and these regional insurance providers only sell coverage through local independent agencies.

Insureds change insurance companies for any number of reasons including policy non-renewal, questionable increases in premium, unfair underwriting practices and an unsatisfactory settlement offer. It doesn’t matter what your reason, finding a great new company is easier than you think.

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