1995 Ford Explorer Insurance Rates

Buyers have options when searching for the lowest priced Ford Explorer insurance. You can either spend your time contacting agents to get rate comparisons or leverage the internet to find the lowest rates.

There is a right way and a wrong way to find auto insurance online so we’re going to tell you the quickest way to quote coverages for your Ford and get the lowest possible price.

It’s a good idea to do rate comparisons every six months because auto insurance prices trend upward over time. Even if you got the lowest price for Explorer insurance on your last policy other companies may now be cheaper. Block out anything you think you know about auto insurance because it’s time to teach you the tricks you need to know to lower your annual insurance bill.

Save with these rate-reducing discounts

Insurance is easily one of your largest bills, but there may be some discounts that may help make it more affordable. Many discounts should be triggered when you quote, but a few must be specifically requested before being credited. If you are not receiving all the discounts you deserve, you are throwing money away.

  • Military Deployment Discount – Being on active deployment in the military could mean lower prices.
  • Include Life Insurance and Save – Insurance companies who offer life insurance give a break if you buy life insurance.
  • Claim-Free Discount – Drivers with accident-free driving histories have much lower rates when compared with frequent claim filers.
  • Early Switch Discount – Some insurance companies give discounts for renewing your policy before your current expiration date. You can save around 10% with this discount.
  • Low Mileage Discounts – Low annual miles can earn cheaper rates.

Remember that most discounts do not apply to the entire policy premium. Some only reduce individual premiums such as medical payments or collision. If you do the math and it seems like all the discounts add up to a free policy, it’s just not the way it works.

A list of companies and their possible discounts are:

  • State Farm includes discounts for driver’s education, accident-free, good student, multiple policy, and Steer Clear safe driver discount.
  • Esurance may include discounts for paid-in-full, claim free, DriveSense, emergency road assistance, homeowner, and online shopper.
  • Progressive has discounts for online quote discount, online signing, homeowner, good student, multi-policy, and multi-vehicle.
  • Liberty Mutual discounts include new vehicle discount, safety features, newly retired, newly married, teen driver discount, and new move discount.
  • Auto-Owners Insurance offers premium reductions for safe vehicle, good student, air bags, multi-policy, anti-theft, and paid in full.
  • GEICO has savings for anti-theft, daytime running lights, membership and employees, defensive driver, emergency military deployment, driver training, and good student.

It’s a good idea to ask every prospective company how many discounts you can get. All car insurance discounts may not be offered in your area.

How to compare free car insurance quotes

There are a variety of methods to shop for car insurance, but there is one way that is less time-consuming than others. You can spend countless hours talking about coverages with agents in your area, or you could use online quotes to get the quickest rates.

The majority of car insurance companies belong to a marketplace that enables customers to submit one quote, and each company then gives them pricing based on that data. This saves time by eliminating quote forms to each individual car insurance company.

To compare rates now click here to open in new window.

One minor caviat to using this type of form is that consumers can’t choose the companies you want pricing from. If you would rather choose specific providers to compare prices, we have a page of the cheapest car insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, ensure you’re using equivalent coverages and limits for every company. If you are comparing mixed coverages it will be nearly impossible to determine the lowest rate for your Ford Explorer.

Do I need special coverages?

When it comes to choosing the right insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Every situation is different.

These are some specific questions may help highlight if you might need professional guidance.

  • At what point should I drop full coverage?
  • When should I remove comp and collision on my 1995 Ford Explorer?
  • What can I do if my company denied a claim?
  • Am I covered if my car is in a flood?
  • Do I need more liability coverage?
  • Is a blown tire covered by insurance?
  • Does insurance cover tools stolen from my truck?
  • How many claims can I have before being cancelled?
  • Am I covered if I crash into my own garage door?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Educate yourself about insurance coverages

Knowing the specifics of your insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Insurance terms can be confusing and reading a policy is terribly boring.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your Ford Explorer.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive coverage – This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a bird, fire damage, vandalism, rock chips in glass and falling objects. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision – This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like hitting a parking meter, hitting a mailbox, driving through your garage door, backing into a parked car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for chiropractic care, pain medications, X-ray expenses, ambulance fees and hospital visits. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability insurance – This coverage protects you from damage or injury you incur to people or other property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. 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 can pay for things such as bail bonds, court costs, attorney fees, repair bills for other people’s vehicles and legal defense fees. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Quote more, save more

Throughout this article, we presented some good ideas how you can reduce 1995 Ford Explorer insurance premium rates online. The key thing to remember is the more rate quotes you have, the higher your chance of finding low cost insurance coverage. You may even find the biggest savings come from a small local company.

When shopping online for insurance coverage, it’s very important that you do not buy poor coverage just to save money. In many cases, an insured cut full coverage and found out when filing a claim they didn’t have enough coverage. The ultimate goal is to buy a smart amount of coverage for the lowest cost, not the least amount of coverage.

Insureds switch companies for a variety of reasons including unfair underwriting practices, delays in paying claims, poor customer service and policy cancellation. Regardless of your reason, finding a new company can be easy and end up saving you some money.

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