Cheaper 2015 Ford Explorer Insurance Cost

Trying to find the cheapest insurance rates? Buyers have options when searching for affordable Ford Explorer insurance. They can either spend hours struggling with agents getting price quotes or leverage the internet to get rate quotes. There are both good and bad ways to buy insurance so we’re going to tell you the best way to price shop coverage for a Ford and get the lowest price either online or from local insurance agents.

Finding insurance

Getting low cost 2015 Ford Explorer insurance pricing isn’t really that difficult. The only requirement is to invest a few minutes to get quotes to find out which insurance company has low cost insurance quotes. Rate comparisons can be done by following the guidelines below.

  1. Experts agree that the best way to get quotes would be an industry-wide quote request form like this one (opens in new window). This quick form prevents you from having to do repetitive form entry for every company. One simple form will return quotes from insurance companies with the best prices. Just one form and you’re done.
  2. A more time consuming way to compare rate quotes is going to each company website and get a separate price quote. For examples sake, let’s say you want to get rates from Auto-Owners, State Farm and GMAC. To find out each rate you need to spend time on each company’s site and punch in your information repeatedly, which explains why we recommend starting with the first method.

    For a handy list of car insurance company links in your area, click here.

  3. The least recommended method to get comparison rates is driving to all the different insurance agencies. The ability to quote online eliminates the middleman unless you have a complicated situation and need the trained guidance only provided by licensed agents. It is possible to price shop your coverage online and still use a local agent.

You can choose any of those ways to find more affodable coverage, but ensure you are comparing identical deductibles and coverage limits with each company. If you compare different deductibles you will not be able to get a fair rate comparison.

Which policy gives me the best coverage?

When it comes to buying proper insurance coverage, there is no “best” method to buy coverage. Everyone’s situation is a little different.

For instance, these questions may help highlight if your insurance needs would benefit from professional advice.

  • Do I need an umbrella policy?
  • Do I need special endorsements for business use of my vehicle?
  • Can I still get insurance after a DUI?
  • What vehicles should carry emergency assistance coverage?
  • Does my policy pay for OEM or aftermarket parts?
  • Is my teenager covered with friends in the car?
  • Can I afford to pay high deductible claims out of pocket?
  • Do I need replacement cost coverage?

If you can’t answer these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and can provide invaluable advice.

Information about specific coverages

Learning about specific coverages of your policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Collision coverages – This coverage will pay to fix damage to your Explorer resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as backing into a parked car, driving through your garage door, sustaining damage from a pot hole, rolling your car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive protection – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like hail damage, falling objects, theft and a tree branch falling on your vehicle. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability car insurance – Liability coverage will cover damage or injury you incur to other’s property or people by causing an accident. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims such as medical expenses, attorney fees and emergency aid. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Medical expense coverage – Coverage for medical payments and/or PIP kick in for bills for things like chiropractic care, funeral costs, EMT expenses, ambulance fees and nursing services. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage