Compare 1997 Ford Explorer Insurance Rates

Being forced to pay for expensive auto insurance premiums can bleed your bank account and force you to cut corners elsewhere.

People have many insurance companies to choose from, and though it is a good thing to have a selection, so many choices can make it hard to compare company pricing.

Smart consumers take time to price shop coverage yearly because prices change quite often. Even if you think you had the best deal on Explorer coverage last year you can probably find a lower rate today. You’ll find quite a bit of inaccurate information about auto insurance out there, but in just a couple of minutes you can learn some guaranteed methods to lower your auto insurance bill.

How to buy insurance coverage

When looking for inexpensive insurance quotes, there are a couple ways of comparing price quotes from companies that offer insurance coverage in your state. The fastest way to comparison shop is to use the internet to compare rates. This can be accomplished in just a few minutes using one of these methods.

  • The best way to get quotes for comparison is a comparison rater form click to view form in new window. This form saves time by eliminating separate quotation requests for each price estimate. One form submission will get you rate comparisons from multiple companies.
  • A harder way to compare prices requires a trip to the website for each individual company and repeat the quote process again and again. For instance, let’s say you want to compare prices for Nationwide, State Farm and Allstate. To get each rate you have to take the time to go to each site to enter your coverage information, which explains why we recommend starting with the first method.

    For a list of companies in your area, click here.

  • If you have time to kill, the last way to find and compare rates is to spend time driving to all the different insurance agencies. The ability to get quotes online eliminates this option unless you require the professional abilities of a local agency. Although, it is possible price shop online and get advice from an agent in your area.

Whichever method you choose, be certain you are entering the same coverages on every price quote you get. If you enter different coverage information it will be next to impossible to truly determine the lowest rate. Having just a slight variation in coverage limits can result in a big premium difference. And when comparison shopping, comparing all the rates in your area increases your odds of finding the best offered rates. Some insurance companies are not set up to provide quotes online, so you also need to get price estimates from them, too.

Tailor your insurance coverage to you

When choosing proper insurance coverage for your vehicles, there really is no one size fits all plan. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions might help in determining whether your personal situation might need an agent’s assistance.

  • What should my uninsured motorist coverage limits be in my state?
  • Is business equipment covered while in my vehicle?
  • Do I have coverage when pulling a U-Haul trailer?
  • Does coverage extend to a rental car in a foreign country?
  • What is an SR-22 filing?
  • Am I covered when using my vehicle for business?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

Learn about car insurance coverages for a 1997 Ford Explorer

Knowing the specifics of your car insurance policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverages found on most car insurance policies.

Liability car insurance

This protects you from damage that occurs to people or other property in an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

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. You might see policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against claims such as attorney fees, medical expenses, loss of income, funeral expenses and repair costs for stationary objects. How much coverage you buy is up to you, but buy higher limits if possible.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as hitting a bird, damage from a tornado or hurricane, a tree branch falling on your vehicle, damage from getting keyed and rock chips in glass. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

This coverage gives you protection from other drivers when they 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 1997 Ford Explorer.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Coverage for medical payments

Med pay and PIP coverage reimburse you for expenses like hospital visits, prosthetic devices, doctor visits, rehabilitation expenses and dental work. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision insurance

This pays to fix your vehicle from damage resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as rolling your car, damaging your car on a curb and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.