Cheaper 2001 Ford Explorer Insurance Quotes

Trying to find better insurance prices for a new or used Ford Explorer can be a painful process, but you can learn a few tricks to find lower rates.

There are more efficient ways to compare car insurance rates and you need to know the absolute fastest way to get price quotes for a new or used Ford and locate the best price possible from both online companies and local agents.

You should take the time to compare premium rates at least once a year because rates change frequently. Just because you had the best premium rates for Explorer coverage a couple years back there may be better deals available now. There is lot of inaccurate information about car insurance online, but in just a couple of minutes you can learn some good information on how to quit paying high car insurance rates.

Finding more affordable insurance coverage is quite easy. If you have a current insurance coverage policy or need a new policy, you can learn to reduce the price you pay while maximizing coverage. Drivers just need to know the most effective way to find the lowest price over the internet.

How to compare free auto insurance quotes

Effectively comparing auto insurance prices can take time and effort if you don’t know the most efficient way to do it. You can spend countless hours talking about coverages with insurance agencies in your area, or you could save time and use the web to accomplish the same thing much quicker.

Most car insurance companies participate in an industry program that allows shoppers to submit one quote, and at least one company provides a quote based on the submitted data. This saves time by eliminating form submissions to every company.

To submit your quote information now, click to open in new window.

The one disadvantage to doing it this way is you don’t know exactly which carriers to get quotes from. So if you prefer to pick specific insurance companies to request quotes from, we have a listing of companies who write auto insurance in your area. Click to view list.

It’s up to you how you get prices quotes, just ensure you are comparing apples-to-apples quote information for every quote you compare. If you enter different deductibles it’s not possible to determine which rate is truly the best.

What insurance coverages do I need?

When it comes to choosing coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is a little different.

For example, these questions could help you determine if your insurance needs may require specific advice.

  • How much can I save by bundling my policies?
  • How much liability coverage do I need in my state?
  • I don’t drive much so do I pay less?
  • Do I have coverage when pulling a U-Haul trailer?
  • If my 2001 Ford Explorer is totaled, can I afford another vehicle?
  • Who is covered when they drive my 2001 Ford Explorer?
  • Does medical payments coverage apply to all occupants?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Is my 2001 Ford Explorer covered for flood damage?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and may give you better protection.

Car insurance coverages for a Ford Explorer

Learning about specific coverages of a car insurance policy can be of help when determining which coverages you need for your vehicles. Car insurance terms can be difficult to understand and reading a policy is terribly boring.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as ambulance fees, EMT expenses, funeral costs and hospital visits. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Collision coverage

This coverage pays for damage to your Explorer from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like scraping a guard rail, colliding with another moving vehicle and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Liability auto insurance

Liability insurance provides protection from damage that occurs to people or other property. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers things such as attorney fees, repair bills for other people’s vehicles and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

Protection from uninsured/underinsured drivers

This coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these coverages are set the same as your liablity limits.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hitting a deer, damage from a tornado or hurricane, a broken windshield, vandalism and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.