Save on 2016 Ford Explorer Car Insurance Cost

Finding cheaper insurance for a new or used Ford Explorer can turn out to be a lot of work, but you can use these tips and make it easy.

There is a better way to buy auto insurance and we’ll show you the absolute fastest way to quote coverages for a Ford and locate the cheapest rates from local insurance agents and online providers.

Shopping for the best coverage is not that difficult. If you are insured now or need new coverage, you can learn to reduce the price you pay and still get good coverage. Vehicle owners only need an understanding of the most effective way to compare price quotes over the internet.

Ways to get insurance coverage rate quotes

Finding more affordable insurance coverage quotes is a fairly straight forward process. All that’s required is to take a couple of minutes comparing price quotes from different insurance companies. It’s super easy and can be done by using one of the methods below.

The fastest and easiest way to compare a lot of rates at once is an all-inclusive rate comparison click here to open form in new window. This method saves time by eliminating separate quotation requests to each individual insurance coverage company. Just one form gets you price quotes from all major companies. Just one form and you’re done.

A more time consuming way to obtain and compare quotes online consists of visiting the website for every company you want to comare and fill out a new quote form. For sake of this example, let’s say you want comparison quotes from Auto-Owners, State Farm and Liberty Mutual. You would need to spend time on each company’s site to input your insurance information, which is why first method is reommended. For a handy list of car insurance company links in your area, click here.

The old school way of getting rate comparisons is calling or driving to each insurance agency near you. The internet makes this process obsolete unless you prefer the peace of mind that only a licensed agent can provide. Drivers can compare the best prices online and get advice from an agent in your area.

The method you choose is up to you, but double check that you are using the exact same quote information for each quote you get. If the quotes have different limits and deductibles on each one you will not be able to make a fair comparison for your Ford Explorer.

Find discounts on auto insurance

Auto insurance is not an enjoyable expense, but you may find discounts that could help you make your next renewal payment. Certain discounts will be applied at the time of purchase, but some must be asked about prior to receiving the credit. If you are not receiving all the discounts possible, you could be saving more on your auto insurance.

  • Fewer Miles Equal More Savings – Fewer annual miles on your Ford can earn better premium rates on cars that stay parked.
  • Federal Government Employee – Federal government employees may qualify for a discount when you quote car insurance for Explorer insurance depending on your auto insurance provider.
  • Accident Forgiveness Coverage – Not a discount per se, but companies like Progressive, State Farm and GEICO permit an accident without getting socked with a rate hike so long as you are claim-free before the accident.
  • Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a break if you buy life insurance.
  • Discount for New Cars – Insuring a new car can be considerably cheaper since newer vehicles have better safety ratings.
  • Use Seat Belts – Drivers who require all vehicle occupants to buckle up can save 10% or more on the medical payments or PIP coverage costs.
  • Homeowners Discount – Owning a home can earn you a little savings because of the fact that having a home shows financial diligence.
  • Renewal Discounts – A few auto insurance companies allow discounts for buying a new policy prior to your current policy expiration. The savings is around 10%.

A little note about advertised discounts, most discounts do not apply to your bottom line cost. Most cut specific coverage prices like comprehensive or collision. Just because you may think you could get a free auto insurance policy, company stockholders wouldn’t be very happy.

To locate auto insurance companies offering auto insurance discounts, follow this link.

Tailor your car insurance coverage to you

When it comes to choosing proper insurance coverage, there isn’t really a perfect coverage plan. Every situation is different.

For instance, these questions might help in determining if you would benefit from professional advice.

  • What can I do if my company won’t pay a claim?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is my teenager covered with friends in the car?
  • When should I buy a commercial auto policy?
  • What is roadside assistance coverage?
  • What companies insure drivers after a DUI or DWI?
  • Where can I find high-risk insurance?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and can provide invaluable advice.

The coverage is in the details

Having a good grasp of a car insurance policy can be of help when determining the best coverages and proper limits and deductibles. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Liability

Liability coverage protects you from damages or injuries you inflict on other people or property that is your fault. It protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Another option is one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like medical expenses, funeral expenses, bail bonds and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Explorer.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Normally these coverages do not exceed the liability coverage limits.

Collision coverage

This pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like crashing into a ditch, sideswiping another vehicle, sustaining damage from a pot hole and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to get cheaper collision coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for bills such as hospital visits, funeral costs, EMT expenses, rehabilitation expenses and pain medications. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from flooding, damage from a tornado or hurricane and hitting a bird. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.