View 2010 Ford Explorer Sport Trac Car Insurance Quotes

Searching for better insurance coverage rates for your Ford Explorer Sport Trac? Having to pay for pricey Ford Explorer Sport Trac insurance can bleed your checking account and maybe even restrict other spending. Performing a rate comparison is an excellent way to reduce premiums and put more money in your pocket.

Vehicle owners have multiple insurance companies to pick from, and even though it’s nice to be able to choose, having more insurers makes it harder to find the best rates.

The most recommended method to compare insurance rates from multiple companies is to realize most of the larger companies provide online access to provide you with a free rate quote. All you need to do is provide the companies a bit of rating information such as if you have an active license, your occupation, if a SR-22 is required, and your credit rating estimate. Your information is then sent to multiple companies and they return rate quotes almost instantly.

If you wish to get multiple quotes for your 2010 Ford Explorer Sport Trac now, click here and find out if lower rates are available.

Tailor your insurance coverage to you

When choosing adequate coverage, there isn’t really a one size fits all plan. Every insured’s situation is different so your insurance needs to address that. For instance, these questions might point out whether you might need an agent’s assistance.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Does car insurance cover theft of personal property?
  • Do I need more liability coverage?
  • Is business equipment covered while in my vehicle?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Am I covered when pulling a rental trailer?
  • Does my 2010 Ford Explorer Sport Trac qualify for pleasure use?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Car insurance 101

Understanding the coverages of your policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverage types offered by insurance companies.

Comprehensive insurance

Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as fire damage, damage from flooding and theft. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.


Liability coverage protects you from damage that occurs to other’s property or people in an accident. It protects you against other people’s claims. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as court costs, medical services, pain and suffering, legal defense fees and bail bonds. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Coverage for medical expenses

Med pay and PIP coverage kick in for short-term medical expenses for funeral costs, prosthetic devices, pain medications and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Auto collision coverage

Collision coverage will pay to fix damage to your Explorer Sport Trac from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like hitting a parking meter, driving through your garage door and colliding with a tree. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

This gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Ford Explorer Sport Trac.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.