Are you sick and tired of trying to scrape together enough money to insure your Ford every month? Your situation is no different than the majority of other drivers.
Many car insurance companies compete to insure your vehicles, so it can be very hard to choose a company and uncover the absolute best rate
It’s a great practice to quote other rates periodically because insurance coverage prices are variable and change quite frequently. Despite the fact that you may have had the best price for Explorer coverage on your last policy you may be paying too much now. Ignore everything you know about insurance coverage because you’re about to find out the fastest and easiest way to get good coverage at a lower rate.
All major car insurance companies such as Progressive, Allstate and GEICO allow you to get price estimates on their websites. This process doesn’t take much effort as all you need to do is type in your personal and coverage information on the page. Once you submit the form, the company’s rating system requests information on your driving record and credit history and generates pricing information determined by many factors. Online price quotes streamlines rate comparisons, but the time required to go to each company’s website and repetitively type in the same information gets old quite quickly. But it’s absolutely necessary to do this if you are searching for lower prices.
There is a better way!
A more efficient way to find cheaper rates uses one form that obtains quotes from multiple companies. This type of form saves time, requires less work, and makes online quotes a little more enjoyable. As soon as the form is sent, your coverage is rated with multiple companies and you can pick your choice of the price quotes you receive.
If a lower price is quoted, you simply finish the application and purchase coverage. The whole process takes 15 minutes at the most and you will find out if you’re overpaying now.
To compare rates using this form now, click here to open in a new tab and submit the form. If you have coverage now, it’s recommended you complete the form with the coverage information identical to your current policy. Doing this guarantees you will be getting rate comparison quotes based on identical coverages.
When it comes to buying the best car insurance coverage, there is no one size fits all plan. Every insured’s situation is different so your insurance should reflect that Here are some questions about coverages that might point out whether you will benefit from professional help.
If you’re not sure about those questions but one or more may apply to you, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.
Learning about specific coverages of your policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are the usual coverages found on the average auto insurance policy.
This protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and 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. Most of the time these limits do not exceed the liability coverage limits.
Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for pain medications, dental work and surgery. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage
This coverage pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things such as theft, vandalism, damage from flooding and hail damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
This coverage provides protection from damage or injury you incur to people or other property. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.
Liability insurance covers things such as repair bills for other people’s vehicles, loss of income and funeral expenses. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.
Collision coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.
Collision can pay for claims such as sustaining damage from a pot hole, rolling your car and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also raise the deductible to bring the cost down.