Save on 1991 Ford Explorer Insurance Quotes

Trying to find cheaper auto insurance rates for your Ford Explorer? No sane person rejoices having to buy auto insurance, particularly when the prices are way too high. There is such a variety of car insurance companies to purchase coverage from, and though it is a good thing to be able to choose, too many choices makes it more difficult to compare rates and find the lowest cost auto insurance.

Smart consumers take time to shop coverage around yearly because rates trend upward over time. Even if you got the best premium rates for Explorer insurance at your last renewal you can probably find a lower rate today. Forget all the misinformation about auto insurance because we’re going to show you one of the quickest ways to find better rates and still maintain coverage.

Free car insurance price quotes

Shopping for lower car insurance rates is a ton of work if you don’t utilize the easiest way. You could spend your day discussing policy coverages with agents in your area, or you could save time and use online quotes to quickly compare rates.

The majority of car insurance companies belong to a marketplace that allows shoppers to send in one quote, and every company returns a rated price determined by their information. This eliminates the need for quote forms for every car insurance company. To fill out one form to compare multiple rates now click to open in new window.

The single downside to using this type of system is buyers cannot specifically choose which insurance companies to receive prices from. If you prefer to choose specific providers to compare prices, we have assembled a list of low cost car insurance companies in your area. Click here to view list.

It’s your choice how you get your quotes, but be sure you’re using the same coverages on every price quote you get. If each company quotes different liability limits you can’t possibly find the best deal for your Ford Explorer.

How insurance providers calculate Ford Explorer insurance rates

Smart consumers have a good feel for some of the factors that go into determining your insurance rates. If you have a feel for what impacts premium levels, this allows you to make educated decisions that can help you get cheaper rates.

• Bump up deductibles to lower rates – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, insures against damage to your Ford. Some examples of covered claims would be a broken side mirror, collision with an animal, and damage caused by flying debris. Physical damage deductibles define how much you are willing to pay in the event of a claim. The more of the claim you are required to pay out-of-pocket, the better rate you will receive for Explorer insurance.
• Younger drivers pay more – Mature drivers are proven to be safer behind the wheel, statistically cause fewer accidents .Teenage drivers have been known to be inattentive and easily distracted in a vehicle so they pay higher insurance rates.
• Traffic violations can be expensive – Careful drivers receive lower rates compared to bad drivers. Having just one chargable violation can increase rates forty percent or more. Drivers who have received flagrant tickets such as DUI or reckless driving might be required by their state to complete a SR-22 with their state DMV in order to legally drive a vehicle.
• Having a spouse is a good thing – Having a wife or husband may save some money when buying insurance. Marriage usually means you are more financially stable and it’s proven that married drivers get in fewer accidents.
• Lower rates for vehicles with better crash test results – Vehicles with high crash test scores can get you lower premiums. These vehicles reduce injuries and better occupant protection means less claims paid and lower rates for you. If your Ford has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.

Get cheaper rates by taking advantage of discounts

Insurance is expensive, but there could be available discounts that you may not even be aware of. Most are applied at the time you complete a quote, but a few need to be specifically requested before they will apply. If you aren’t receiving every discount you deserve, you could be saving more on your insurance.

• Full Payment Discount – By paying your entire bill at once rather than paying monthly you can actually save on your bill.
• Driver Education Discount – It’s a good idea to have your young drivers successfully complete driver’s ed class in school or through a local driver safety program.
• Telematics Data Discounts – Insureds who allow their insurance company to scrutinize where and when they drive by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease if they have good driving habits.
• Responsible Drivers – Insureds who avoid accidents could pay up to 40% less for Explorer insurance as compared to drivers with claims.
• Defensive Driver Discounts – Taking part in a course that instructs on driving safety could possibly earn you a 5% discount and also improve your driving technique.

As a sidenote, most credits do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So even though you would think having all the discounts means you get insurance for free, that’s just not realistic.

To find insurance companies that can offer you the previously mentioned discounts, click here to view.

How much insurance do I need?

When it comes to choosing the right insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions might help in determining whether your personal situation may require specific advice.

• I don’t drive much so do I pay less?
• When can I cancel my policy?
• What can I do if my company denied a claim?
• When should I remove comp and collision on my 1991 Ford Explorer?
• When do I need to add a new car to my policy?
• Should I carry comprehensive and collision coverage?
• Exactly who is provided coverage by my policy?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Insurance coverages explained

Knowing the specifics of a insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. These are the normal coverages found on the average insurance policy.

Coverage for uninsured or underinsured drivers – This coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your 1991 Ford Explorer.

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 should not be overlooked.

Coverage for medical expenses – Med pay and PIP coverage reimburse you for short-term medical expenses like nursing services, pain medications, chiropractic care and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Auto liability insurance – Liability insurance will cover injuries or damage you cause to people or other property that is your fault. It protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like emergency aid, medical services, structural damage and funeral expenses. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as hitting a deer, hail damage, damage from flooding and rock chips in glass. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as colliding with a tree, sustaining damage from a pot hole and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

And the best car insurance company is…

Throughout this article, we presented a lot of ways to save on 1991 Ford Explorer insurance. The most important thing to understand is the more providers you compare, the better your comparison will be. You may even discover the lowest priced car insurance comes from a company that doesn’t do a lot of advertising. These companies may have significantly lower auto insurance rates on certain market segments as compared to the big name companies such as Allstate or State Farm.

Affordable 1991 Ford Explorer insurance can be bought online as well as from independent agents, so you need to shop insurance with both in order to have the best price selection to choose from. There are still a few companies who do not offer online rate quotes and many times these regional carriers only sell through independent agents.

To learn more, feel free to browse the resources below:

• Teen Driver Statistics (Insurance Information Insitute)
• What to do at the Scene of an Accident (Insurance Information Insitute)
• Safe Vehicles for Teens (iihs.org)
• Shopping for a Safe Car (Insurance Information Insitute)
• Insurance Losses by Make and Model (iihs.org)