Compare 1996 Ford Explorer Insurance Quotes

Do you get frustrated by the number of insurance coverage choices in your area? Drivers have such a vast assortment of choices available that it is a difficult situation to find better premium rates.

Smart consumers take time to check insurance coverage prices yearly because prices are usually higher with each renewal. Even if you think you had the best deal for Explorer insurance two years ago you can probably find a better rate quote now. Forget all the misinformation about insurance coverage because we’re going to show you the best way to properly buy coverages and cut your premium.

If you currently have a car insurance policy, you should be able to save some money using this information. Shopping for affordable coverage is easy if you know what you’re doing. But consumers must comprehend how insurance companies price online insurance and take advantage of how the system works.

Earn discounts to get lower-cost car insurance rates

Insuring your vehicles can cost a lot, but companies offer discounts that can help lower your rates. Some discounts apply automatically at the time of purchase, but lesser-known reductions have to be specifically requested before you get the savings. If you do not double check each discount you qualify for, you are not getting the best rate possible.

  • Multiple Policy Discount – If you insure your home and vehicles and insure them both with the same insurance company you could save approximately 10% to 15%.
  • ABS and Traction Control Discounts – Vehicles with ABS braking systems or traction control can reduce accidents so you can save 10 percent or more.
  • Distant Student Discount – who are enrolled in higher education away from home without a vehicle on campus could qualify for this discount.
  • Service Members Pay Less – Being deployed in the military could qualify you for better car insurance rates.
  • Renewal Discounts – A few insurance companies offer discounts for switching companies before your current coverage expires. Ten percent is about the average savings.
  • Passenger Safety Discount – Options like air bags or automatic seat belts may earn rate discounts as much as 30%.
  • Driver’s Education for Students – Cut your cost by having your teen driver take driver’s ed class if it’s offered in school.
  • Senior Discount – Older drivers can possibly qualify for a small discount on rates for Explorer insurance.

You should keep in mind that most of the big mark downs will not be given to the entire cost. Most only reduce the cost of specific coverages such as collision or personal injury protection. So even though you would think having all the discounts means you get insurance for free, you won’t be that lucky. But any discount will lower the cost of your policy.

A list of companies and a partial list of their discounts can be found below.

  • 21st Century has discounts for good student, air bags, 55 and older, student driver, and early bird.
  • State Farm policyholders can earn discounts including good student, good driver, passive restraint, student away at school, accident-free, and multiple policy.
  • AAA offers discounts including multi-car, pay-in-full, anti-theft, good student, education and occupation, and good driver.
  • Liberty Mutual discounts include hybrid vehicle, good student, newly retired, newly married, new move discount, and new vehicle discount.
  • Progressive offers premium reductions for online signing, online quote discount, multi-vehicle, multi-policy, continuous coverage, homeowner, and good student.

When getting a coverage quote, ask all companies you are considering which discounts can lower your rates. Some discounts may not apply to policies in your state. To find providers that offer many of these discounts, click this link.

Tailor your insurance coverage to you

When choosing adequate coverage, there really is not a cookie cutter policy. Everyone’s situation is unique.

For instance, these questions might point out whether or not you might need professional guidance.

  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I have newly-aquired coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • Am I covered when driving someone else’s vehicle?
  • Am I covered if hit by an uninsured driver?
  • Is business equipment covered while in my vehicle?
  • How does medical payments coverage work?
  • Why am I required to get a high-risk car insurance policy?
  • Am I covered if I drive in a foreign country?

If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form.

Insurance coverage considerations

Knowing the specifics of your policy helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for bills such as dental work, ambulance fees, doctor visits, funeral costs and EMT expenses. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Comprehensive auto coverage

This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as damage from getting keyed, a broken windshield, rock chips in glass and damage from a tornado or hurricane. The maximum amount your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and damage to your Ford Explorer.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as sustaining damage from a pot hole, backing into a parked car and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Liability insurance

Liability insurance protects you from injuries or damage you cause to other’s property or people. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things like medical services, attorney fees, repair costs for stationary objects, medical expenses and pain and suffering. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.

Shop Smart and Save

Consumers switch companies for a number of reasons such as being labeled a high risk driver, denial of a claim, policy non-renewal and an unsatisfactory settlement offer. Regardless of your reason for switching companies, finding the right insurance coverage provider is easier than you think.

A few companies do not provide the ability to get quotes online and most of the time these smaller companies prefer to sell through independent agents. The cheapest 1996 Ford Explorer insurance is possible both online and from local insurance agents, and you should compare rates from both so you have a total pricing picture.

Throughout this article, we presented many ideas to get a better price on 1996 Ford Explorer insurance. The most important thing to understand is the more times you quote, the higher your chance of finding low cost auto insurance. Consumers may even find the most savings is with the smaller companies.

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