Compare 2014 Ford Explorer Car Insurance Rates

Looking for cheaper car insurance rates for your Ford Explorer? No sane person gets a kick out of paying for car insurance, particularly when their premiums are too high. Due to the fact that there are so many companies to choose from, it’s difficult to choose a lower cost insurer.

It’s smart to check car insurance prices occasionally since prices are usually higher with each renewal. Even if you think you had the best deal for Explorer coverage at your last renewal you can probably find a lower rate today. There are lots of tips to save on car insurance on the web, but you can learn some tested techniques to find affordable car insurance.

Car insurance quotes comparison

Performing a rate comparison can be exhausting if you don’t utilize the most efficient way to do it. You can waste a lot of time discussing policy coverages with insurance companies in your area, or you can stay home and use online quotes to accomplish the same thing much quicker.

Many popular insurance companies enroll in a system where prospective buyers submit one quote, and each participating company provides a quote based on that information. This eliminates the need for repetitive form submissions for every car insurance company.

To compare pricing click here (opens in new window).

The only downside to using this type of form is you can’t choose the companies you want pricing from. So if you prefer to pick specific providers to request quotes from, we have a page of companies who write car insurance in your area. View list of insurance companies.

Whichever method you choose, make sure you use the exact same coverage limits and deductibles on every price quote you get. If you enter different deductibles you will not be able to find the best deal for your Ford Explorer.

Auto insurance discounts are available to cut your rates

Not many people think insurance is cheap, but there could be significant discounts to reduce the price significantly. Certain credits will be shown at the time of quoting, but some must be manually applied before you get the savings.

  • Military Discounts – Being on active deployment in the military can result in better premium rates.
  • Government Employee Discount – Being employed by or retired from a federal job could qualify for a slight premium decrease for Explorer coverage with some auto insurance companies.
  • Sign Early and Save – A few larger companies offer discounts for switching to them early. This discount can save up to 10%.
  • Theft Deterent – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10% off your car insurance quote.
  • Multi-Vehicle Discounts – Buying insurance for several vehicles with the same company can reduce the rates for all insured vehicles.
  • Discounts for Responsible Drivers – Drivers without accidents may save up to 50% more for Explorer coverage compared to rates paid by drivers with frequent claims.

Please keep in mind that most discount credits are not given to your bottom line cost. Some only reduce the price of certain insurance coverages like comp or med pay. Even though it may seem like having all the discounts means you get insurance for free, auto insurance companies aren’t that generous.

To choose providers that have a full spectrum of discounts, click here to view.

Eight things that determine your insurance prices

Many different elements are considered when premium rates are determined. Some factors are common sense such as your driving history, but other factors are less obvious like your continuous coverage or your vehicle rating.

  • Insurance companies don’t like frequent auto insurance claims – Car insurance companies generally give most affordable rates to drivers who are not frequent claim filers. If you’re an insured who likes to file claims you can pretty much guarantee either policy cancellation or increased premiums. Insurance coverage is meant to be used in the event of more catestrophic claims.
  • Save money by having multiple policies – Most companies provide better rates to buyers that purchase more than one policy. It’s known as a multi-policy discount. If you currently are using one company, it’s always a smart idea to compare rates to guarantee you are still saving the most.There is a chance you can save even more than the discount by buying auto insurance from a different company.
  • Get a ticket, pay higher premiums – A bad driving record has a lot to do with how much you pay for insurance. Even a single driving citation can increase the cost of insurance substantially. Attentive drivers tend to pay less for car insurance as compared to careless drivers. Drivers who have license-revoking tickets such as DUI or reckless driving may face state-mandated requirements to complete a SR-22 with their state DMV in order to prevent a license revocation.
  • Never have policy lapses – Having a lapse in insurance coverage will be a sure-fire way to increase your renewal premiums. Not only will you pay higher rates, failure to provide proof of insurance may earn you a hefty fine and possibly a revoked license. You could then be forced to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
  • Older drivers save more – Teen drivers have been known to be more careless when driving therefore auto insurance rates are much higher. Parents adding a teenage driver onto a policy can cause a big jump in price. Older insureds are viewed as being more responsible, cause fewer claims and accidents and receive fewer citations.
  • Small coverages can add up – There are quite a few optional add-on coverages that can waste your money when buying auto insurance. Add-on coverages like rental car coverage, death and dismemberment, and extra equipment coverage are probably not needed. They may seem like a good idea when deciding what coverages you need, but your needs may have changed so think about removing them and cutting costs.
  • Liability coverage risk factors in – A critical coverage on your policy, liability insurance is the coverage that protects you if you are ruled to be at fault for physical damage or personal injury to other. Liability provides you with a defense in court up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to other policy coverages, so buy as much as you can afford.
  • Save miles driven and save money – Driving more miles every year the higher your rate. A lot of insurance companies rate vehicles based on how the vehicle is used. Cars and trucks that are left in the garage can be on a lower rate level than those that get driven frequently. Make sure your auto insurance policy correctly shows the correct usage. Incorrect rating for your Explorer can result in significantly higher rates.

Everyone needs different auto insurance coverages

When it comes to choosing coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions may help highlight whether you will benefit from professional help.

  • Does my insurance cover a custom paint job?
  • Am I covered by my spouse’s policy after a separation?
  • Am I missing any policy discounts?
  • How do I insure my teen driver?
  • Are there companies who specialize in insuring high-risk drivers?
  • How much liability insurance is required?
  • Do I have coverage when pulling a U-Haul trailer?
  • Do I need replacement cost coverage on my 2014 Ford Explorer?
  • Is a new car covered when I drive it off the dealer lot?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and can provide invaluable advice.

Do drivers who switch really save?

Drivers get pounded daily by advertisements for cheaper insurance from companies such as Progressive, Allstate and GEICO. They all tend to make the same promise that you can save if you switch your policy.

It sounds good, but how can they all offer drivers better rates?

Most companies can use profiling for the type of driver that makes them money. A good example of a profitable risk profile could be a married female, owns a home, and chooses high deductibles. Any person who meets those qualifications will get low car insurance rates and have a good chance to save a lot of money.

Consumers who do not fit the requirements will have to pay higher prices and this can result in business going elsewhere. The ads state “drivers who switch” not “everyone that quotes” save the amount stated. This is how companies can truthfully make claims like that.

Different companies use different criteria so you absolutely need to get car insurance quotes as often as possible. It’s impossible to know which insurance company will give you lower premium rates than your current company.

Auto insurance 101

Understanding the coverages of your policy can help you determine appropriate coverage for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages found on most auto insurance policies.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as nursing services, dental work and ambulance fees. They can be utilized in addition to your health insurance program or if you do not have health coverage. They cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these coverages are identical to your policy’s liability coverage.

Auto collision coverage

This coverage covers damage to your Explorer caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as hitting a mailbox, rolling your car, backing into a parked car, hitting a parking meter and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Liability coverages

Liability coverage provides protection from damages or injuries you inflict on other’s property or people in an accident. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. 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 $100,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things such as legal defense fees, medical expenses, repair bills for other people’s vehicles, funeral expenses and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

Comprehensive coverage

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, damage from flooding and a broken windshield. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Don’t be a big spender

Cheaper insurance coverage can be found from both online companies and from local agencies, and you should compare price quotes from both to have the best rate selection. Some insurance providers may not have rates over the internet and many times these regional insurance providers sell through independent insurance agencies.

As you prepare to switch companies, don’t be tempted to buy lower coverage limits just to save a few bucks. There are many occasions where an insured dropped collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

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