2011 Ford Explorer Insurance Quotes – 5 Tips for Best Rates

Saving money on auto insurance can seem to be slightly frustrating for drivers new to comparing prices online. With so many options of online companies available, it can be a big hassle to compare rates.

If you have car insurance now, you will be able to cut costs considerably using this information. This information will familiarize you with how to effectively get price quotes and some tips to save money. But drivers must comprehend the way insurance companies price insurance differently.

How to compare car insurance quotes

There are multiple methods you can shop for car insurance but some are less labor-intensive and much quicker. You can spend your afternoon talking to insurance agencies in your area, or you could use the internet to get prices fast.

Most car insurance companies take part in a program that allows shoppers to submit their information once, and each participating company can provide price quotes based on that information. This saves time by eliminating quote forms to every company.

To enter your information into the quoting system, click to open in new window.

The single downside to doing it this way is that consumers can’t choose which providers to get pricing from. If you would rather choose specific insurance companies to compare rates, we have a listing of low cost car insurance companies in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but try to keep the exact same coverage data for each price quote. If you have different liability limits then you won’t be able to determine the best price for your Ford Explorer. Slightly different insurance coverages may cause a big price difference. It’s important to know that getting more free quotes helps improve the odds of finding a better price. Some companies don’t provide quotes online, so it’s recommended that you also compare price quotes from those companies as well.

Lower rate quotes by earning these five discounts

The price of auto insurance can be rather high, but companies offer discounts to help bring down the price. Certain credits will be shown when you get a quote, but lesser-known reductions have to be specially asked for in order for you to get them.

  • Good Driver Discount – Drivers without accidents can pay as much as 50% less for Explorer insurance than drivers with accidents.
  • Paper-free Discount – Many car insurance companies will give a small break for buying your policy over the internet.
  • Multi-policy Discount – When you have multiple policies with the same company you could get a discount of up to 20% and get you cheap insurance coverage.
  • Discount for Life Insurance – Some insurance carriers give better rates if you take out some life insurance too.
  • Military Discounts – Having a family member in the military may lower your rates slightly.

Discounts lower rates, but some of the credits will not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as liability and collision coverage. Even though the math looks like adding up those discounts means a free policy, you’re out of luck.

Companies and some of the discounts are outlined below.

  • AAA may offer discounts for multi-policy, education and occupation, pay-in-full, AAA membership discount, anti-theft, and multi-car.
  • Progressive policyholders can earn discounts including homeowner, good student, online signing, multi-vehicle, multi-policy, and online quote discount.
  • State Farm offers discounts for multiple autos, Drive Safe & Save, defensive driving training, Steer Clear safe driver discount, accident-free, multiple policy, and passive restraint.
  • Esurance has savings for claim free, defensive driver, anti-theft, paid-in-full, renters, safety device, and Pac-12 alumni.
  • Nationwide includes discounts for multi-policy, anti-theft, family plan, Farm Bureau membership, accident-free, and defensive driving.

If you want inexpensive insurance coverage quotes, ask every prospective company to give you their best rates. Savings may not apply in your area.

Your car insurance coverage should be tailored to you

When it comes to choosing adequate coverage, there really is not a “perfect” insurance plan. Each situation is unique.

Here are some questions about coverages that might help in determining if you might need professional guidance.

  • Do I have coverage if my license is suspended?
  • Do I really need UM/UIM coverage?
  • Does coverage extend to my business vehicle?
  • Am I missing any policy discounts?
  • Do I need special endorsements for business use of my vehicle?
  • Is borrowed equipment or tools covered if stolen or damaged?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form.

Specifics of your insurance policy

Knowing the specifics of your insurance policy can help you determine the right coverages for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hail damage, falling objects, rock chips in glass and hitting a deer. The maximum payout 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.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as damage to your Ford Explorer.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Auto liability

This coverage provides protection from damage or injury you incur to a person or their property that is your fault. It protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things like pain and suffering, court costs and attorney fees. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as surgery, funeral costs, hospital visits and pain medications. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Collision coverage protection

This coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as backing into a parked car, colliding with another moving vehicle, rolling your car, crashing into a building and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Quote more. Save more.

In this article, we presented a lot of techniques to lower your 2011 Ford Explorer insurance prices. The key thing to remember is the more companies you get rates for, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from some of the lesser-known companies.

More affordable car insurance is definitely available on the web and also from your neighborhood agents, so you need to shop insurance coverage with both to have the best rate selection. Some insurance companies may not have online quoting and many times these regional carriers work with independent insurance agencies.

Consumers change insurance companies for any number of reasons including policy non-renewal, high rates after DUI convictions, questionable increases in premium and even lack of trust in their agent. Regardless of your reason, finding a new car insurance company is actually quite simple.

For more information, link through to these articles: