Buyers have options when searching for affordable Ford Explorer Sport Trac 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 compare insurance rates so we’re going to tell you the quickest way to quote coverages for your Ford and get the lowest possible price.
You should make it a habit to price shop coverage periodically because prices change frequently. Just because you found the best price for Explorer Sport Trac insurance a couple years back the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to the fastest and easiest way to eliminate unnecessary coverages and save money.
There are a variety of methods you can shop for auto insurance and some are easier and takes less work. You could waste time talking to local insurance agents in your area, or you could use the web to accomplish the same thing much quicker.
Many of the larger companies enroll in a system that allows shoppers to only type in their quote data once, and every company provides a quote based on that information. This system prevents you from having to do form submissions to each individual auto insurance company. To access this free quoting program, click to open in new window.
The only downside to pricing coverage this way is you don’t know exactly the providers you will receive quotes from. If you wish to select specific providers to receive pricing from, we have a page of auto insurance companies in your area. Click here to view list.
However you get your quotes, do your best to use apples-to-apples quote information on every price quote you get. If the quotes have different liability limits it will be next to impossible to make an equal comparison.
When it comes to buying adequate coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s situation is a little different.
These are some specific questions may help you determine if your situation might need professional guidance.
If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and can help protect your family.
Understanding the coverages of a car insurance policy can help you determine which coverages you need and proper limits and deductibles. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording.
Medical expense coverage
Med pay and PIP coverage kick in for immediate expenses such as surgery, X-ray expenses, ambulance fees and dental work. They are used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay
Uninsured or underinsured coverage
This protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Ford Explorer Sport Trac.
Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Usually these coverages are similar to your liability insurance amounts.
Coverage for liability
This can cover damages or injuries you inflict on people or other property that is your fault. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.
Liability insurance covers claims such as legal defense fees, court costs, bail bonds and medical services. How much coverage you buy is a personal decision, but buy as much as you can afford.
This coverage pays for damage to your Explorer Sport Trac from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for things like driving through your garage door, crashing into a ditch, damaging your car on a curb and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.
Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive insurance covers things such as damage from a tornado or hurricane, falling objects, rock chips in glass and hitting a deer. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.