2009 Ford Explorer Car Insurance Quotes

Searching for the cheapest car insurance rates for your Ford Explorer? Locating the cheapest insurance for a Ford Explorer can be a lot of work, but you can follow these tips to save time.

There is a right way and a wrong way to buy car insurance so you’re going to learn the best way to price shop coverage for a Ford and get the lowest price.

If you have a current insurance coverage policy or are shopping for new coverage, you can learn to reduce the price you pay while maximizing coverage. Shopping for affordable insurance coverage coverage can be fairly easy. Drivers just need to understand the proper methods to find the lowest price online.

Finding insurance

Getting a cheaper price on 2009 Ford Explorer insurance is actually quite simple. The only requirement is to spend a little time comparing rates provided by online insurance companies. Comparing prices online can be done by following the guidelines below.

  1. Experts agree that the best way to find low rates is to use a rate comparison form click to view form in new window. This style of form eliminates the need for repetitive form entry to each individual insurance company. One quote request will get you rate comparisons from several companies. Just one form and you’re done.
  2. A slightly less efficient method to obtain and compare quotes online is going to each individual company website and fill out their own quote form. For examples sake, we’ll pretend you want to compare rates from State Farm, Esurance and Allstate. To do that, you would have to go to each individual site and enter your policy data, which can get old fast. To view a list of companies in your area, click here.
  3. Even if you have time, the least recommended method to compare price quotes is to spend your day driving to insurance agencies in your area. Comparing rates online reduces the need to sit down with an agent unless you want the trained guidance that can only be provided by a licensed insurance agent. However, consumers can compare online quotes but have your policy serviced through an agent.

Which method you use is up to you, but ensure you are comparing equivalent quote information with every price quote. If you enter different values for each quote it’s impossible to find the best deal for your Ford Explorer.

Lower your insurance rates with discounts

The cost of insuring your cars can be expensive, but you can get discounts that you may not know about. Some trigger automatically when you purchase, but occassionally some discounts must be specifically requested before they will apply. If you check and find you aren’t receiving every discount available, you may be paying too high a price.

  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course as it will make them better drivers and lower rates.
  • Senior Discount – If you’re over the age of 55, you may receive a small decrease in premiums for Explorer insurance.
  • Early Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
  • Low Mileage Discounts – Fewer annual miles on your Ford could be rewarded with discounted rates on garaged vehicles.
  • Sign Early and Save – Some companies give discounts for renewing your policy early. You could save around 10% when you buy car insurance online.
  • No Charge for an Accident – Not really a discount, but a few companies such as Allstate, State Farm and GEICO may permit one accident without the usual rate increase so long as you haven’t had any claims before the accident.
  • Employee of Federal Government – Simply working for the federal government can save as much as 8% for Explorer insurance but check with your company.
  • Professional Memberships – Joining a civic or occupational organization could qualify you for a break on your next insurance statement.
  • Distant College Student Discount – Children who live away from home to go to college and do not take a car to college may qualify for this discount.
  • Save with More Vehicles Insured – Buying insurance for multiple cars with the same company can get a discount on all vehicles.

Discounts reduce rates, but you should keep in mind that most discounts do not apply to the entire cost. Most only cut individual premiums such as comp or med pay. So when the math indicates it’s possible to get free car insurance, you’re out of luck.

Larger insurance companies and the discounts they provide are included below.

  • State Farm offers discounts including accident-free, Drive Safe & Save, good driver, Steer Clear safe driver discount, good student, and defensive driving training.
  • Farmers Insurance policyholders can earn discounts including homeowner, youthful driver, mature driver, switch companies, business and professional, good student, and multi-car.
  • GEICO includes discounts for defensive driver, membership and employees, anti-lock brakes, good student, multi-policy, driver training, and daytime running lights.
  • American Family may offer discounts for defensive driver, TimeAway discount, accident-free, early bird, Steer into Savings, and air bags.
  • Nationwide may include discounts for Farm Bureau membership, anti-theft, defensive driving, good student, business or organization, accident-free, and multi-policy.
  • Progressive discounts include multi-vehicle, online signing, homeowner, online quote discount, continuous coverage, and good student.

Before buying, ask each company or agent how you can save money. A few discounts might not be available to policyholders in your area.

Informed drivers know how to quote insurance cheaper

An important part of buying insurance is that you know the factors that help determine your policy premiums. If you know what determines base rates, this enables you to make decisions that could help you find lower premium levels. Many things are taken into consideration when you get a price on insurance. Some are pretty understandable like an MVR report, but other criteria are more obscure such as whether you are married or how safe your car is.

  • Amount of liability protection – The liability coverage on your policy provides coverage if a court rules you are at fault for causing personal injury or damage in an accident. It will provide legal defense coverage which can cost a lot. It is affordable coverage compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.
  • Married drivers get cheaper rates – Having a spouse may cut your premiums compared to being single. Marriage is viewed as being more responsible it has been statistically shown that married drivers tend to have fewer serious accidents.
  • Younger drivers cost more – Youthful drivers are known to be more careless when behind the wheel so they pay higher insurance rates. Having to add a beginning driver to your policy can really hurt. More experienced drivers tend to be more responsible, are lower risk to insure .
  • Extra policy coverages are wasting money – There are many optional add-on coverages you can purchase if you don’t pay attention. Insurance for roadside assistance, towing, and extra life insurance coverage may be costing you every month. They may sound like good ideas when talking to your agent, but your needs may have changed so think about removing them and cutting costs.
  • Stress out and pay more – Did you know your insurance rates can be affected by your occupation? Careers like judges, architects and miners tend to have higher premium rates because of stressful work requirements and lengthy work days. On the flip side, careers like scientists, engineers and performers receive lower rates for Explorer insurance.
  • Prevent insurance lapses – Driving with no insurance can get you a ticket and you may have a hard time finding new coverage because you let your coverage lapse. And not only will insurance be more expensive, failure to provide proof of insurance could result in fines and jail time.
  • Where you call home is a factor – Choosing to live in areas with lower population has it’s advantages when shopping for auto insurance. Drivers in populated areas have to deal with more traffic problems and longer commutes to work. Lower population means fewer accidents and a lower car theft rate.

You are unique and your insurance should be too

When it comes to choosing the right insurance coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s needs are different.

These are some specific questions might help in determining whether your personal situation could use an agent’s help.

  • How many claims can I have before being cancelled?
  • Is my teen driver covered when they drive my company car?
  • What exactly is covered by my policy?
  • Are all vehicle passengers covered by medical payments coverage?
  • What is high-risk coverage and where do I buy it?
  • Why do I need rental car insurance?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Specifics of your insurance policy

Learning about specific coverages of your insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Liability coverages – This will cover damages or injuries you inflict on other’s property or people in an accident. It protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Alternatively, you may have one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things like repair bills for other people’s vehicles, structural damage and emergency aid. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive coverage (or Other than Collision) – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as theft, falling objects, a broken windshield, hail damage and rock chips in glass. The most your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Insurance for medical payments – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for chiropractic care, X-ray expenses, ambulance fees and EMT expenses. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as colliding with another moving vehicle, hitting a mailbox, crashing into a ditch, damaging your car on a curb and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Smart consumers save more

When getting car insurance quotes online, do not reduce needed coverages to save money. In many cases, an insured dropped physical damage coverage to discover at claim time they didn’t have enough coverage. The goal is to get the best coverage possible for the lowest price but still have enough coverage for asset protection.

Cheap 2009 Ford Explorer insurance is definitely available on the web and also from your neighborhood agents, so you should be comparing quotes from both to have the best selection. Some insurance companies may not offer online price quotes and these smaller companies work with independent agents.

In this article, we presented a lot of techniques to save on 2009 Ford Explorer insurance. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding cheaper car insurance. You may be surprised to find that the best price on auto insurance is with the smaller companies.

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