Cheap 1999 Ford Explorer Insurance Cost

Looking for the cheapest insurance coverage rates for your Ford Explorer? Are you tired of paying out the nose to make your insurance coverage payment? Your situation is no different than many other drivers. Multiple car insurance companies compete for your insurance dollar, and because of this it can be hard to compare insurance companies to discover the definitive lowest rate

First Step: Get free insurance quotes

Shopping for lower insurance rates can take time and effort if you aren’t aware of the fastest way to get free quotes. You could spend your day talking about coverages with agents in your area, or you could use the internet to get rates in a matter of minutes.

Most car insurance companies belong to a marketplace where prospective buyers only type in their quote data once, and each company provides a quote. This eliminates the need for quote forms to every company.

To find out how much you’re overpaying now click here (opens in new window).

One minor caviat to doing it this way is you don’t know exactly which providers to get pricing from. So if you want to choose from a list of companies to compare prices, we have assembled a list of low cost insurance companies in your area. Click here to view list.

Whichever way you use, be certain you are entering apples-to-apples coverages on every quote you get. If you have different deductibles it’s impossible to truly determine the lowest rate.

Discounts for lower-cost insurance rates

Insurance is not cheap nor is it fun to buy but there could be available discounts that could drop your premiums quite a bit. Larger premium reductions will be automatically applied when you purchase, but some need to be requested specifically before being credited.

• Senior Discount – If you qualify as a senior citizen, you can possibly qualify for a discount up to 10% on Explorer insurance.
• Discount for Multiple Policies – When you combine your homeowners and auto insurance and insure them both with the same insurance company they may give you a discount of up to 20% off your total premium.
• Federal Employees – Federal government employees could qualify for a slight premium decrease on Explorer insurance but check with your company.
• Switch and Save Discount – Some companies provide a discount for switching policies prior to the expiration date on your current policy. This discount can save up to 10%.
• Low Mileage Discounts – Maintaining low annual mileage could be rewarded with substantially lower premium rates.
• Anti-lock Brake System – Anti-lock brake equipped vehicles have fewer accidents and therefore earn up to a 10% discount.
• Active Service Discounts – Being on active duty in the military may lower your rates slightly.
• Theft Deterent System – Cars and trucks optioned with advanced anti-theft systems are less likely to be stolen and can earn a small discount on your policy.

Remember that most credits do not apply to the overall cost of the policy. Some only reduce specific coverage prices like collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, you’re out of luck.

A list of insurance companies and their offered discounts are:

• State Farm may include discounts for passive restraint, driver’s education, anti-theft, safe vehicle, Drive Safe & Save, and good driver.
• Farmers Insurance offers premium reductions for youthful driver, teen driver, bundle discounts, homeowner, business and professional, good student, and early shopping.
• Geico offers discounts for driver training, emergency military deployment, federal employee, multi-vehicle, defensive driver, membership and employees, and five-year accident-free.
• American Family policyholders can earn discounts including good student, good driver, early bird, Steer into Savings, mySafetyValet, and TimeAway discount.
• Nationwide has discounts for good student, Farm Bureau membership, family plan, defensive driving, accident-free, and multi-policy.
• Progressive may have discounts that include continuous coverage, good student, online quote discount, online signing, multi-vehicle, and homeowner.

Double check with every prospective company which discounts can lower your rates. Some of the earlier mentioned discounts might not be available to policyholders in every state. For a list of insurance companies that offer discounts, click here to view.

Informed decisions result in lower insurance premiums

A large part of saving on car insurance is knowing the factors that come into play when calculating the level of your policy premiums. If you have some idea of what impacts premium levels, this allows you to make educated decisions that could result in lower car insurance prices.

• Married people drive safer – Walking down the aisle can actually save you money on your car insurance bill. It may mean you are more mature and insurance companies reward insureds because married drivers tend to file fewer claims.
• Where you live is a factor – Being located in a small town has it’s advantages when trying to find low car insurance rates. People in densly populated areas tend to have more road rage incidents and more severe claims. Fewer people means fewer accidents as well as less vandalism and auto theft.
• Additional coverages that may be costing you – Policies have extra coverages that can waste your money on your car insurance policy. Things like replacement cost coverage, high-cost glass coverage, and membership fees may be wasting your money. The coverages may be enticing when deciding what coverages you need, but your money might be better spent on other coverage so consider taking them off your policy.
• Safer vehicles mean better premiums – Vehicles that have high safety ratings tend to have lower insurance rates. These vehicles reduce the chance of injuries and better occupant protection translates directly to fewer claims and thus lower rates.
• How much liability protection do you need? – Your policy’s liability coverage kicks in if ever a court rules you are at fault for damages from an accident. This coverage provides legal defense coverage which can be incredibly expensive. Liability is cheap compared to other policy coverages, so insureds should have plenty of protection for their assets.
• Do you really need to file that car insurance claims? – If you frequently file small claims, you should expect either a policy non-renewal or much higher rates. Car insurance companies generally give cheaper rates to drivers who file claims infrequently. Auto insurance is designed for the bigger claims that can’t be paid out-of-pocket.

Tailor your car insurance coverage to you

When buying the best car insurance coverage, there really is not a best way to insure your cars. Every situation is different so your insurance needs to address that. Here are some questions about coverages that may help you determine whether your personal situation would benefit from an agent’s advice.

• Is extra glass coverage worth it?
• Am I covered when driving in Canada or Mexico?
• Will my rates increase for filing one claim?
• Is my business laptop covered if it gets stolen from my vehicle?
• Do I need replacement cost coverage on my 1999 Ford Explorer?
• How much liability do I need to cover my assets?
• Who is covered by my policy?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Save $446 a year? Really?

Consumers can’t avoid all the ads for insurance savings by Progressive, Allstate and Geico. All the companies seem to make the promise about how much you will save after switching your policy.

How does every insurance company charge you less for car insurance? It’s all in the words they use.

Most companies give the best rates for the right customer that will be a good risk. A good example of this type of driver should be a female over age 40, has never had a policy lapse, and drives a lower-performance vehicle. Someone who matches that profile will probably get the lowest rates as well as save quite a bit of money when switching.

Insureds who don’t meet these stringent criteria will be quoted higher premiums and this results in the driver buying from a lower-cost company. The trick companies use is to say “customers who switch” not “everyone that quotes” save that much money. That’s the way insurance companies can make claims like that.

This illustrates why drivers should get auto insurance quotes from several different companies. Because you never know the company that will have the lowest rate quotes.

Auto insurance coverages

Understanding the coverages of auto insurance helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring. Below you’ll find typical coverage types available from auto insurance companies.

Auto liability insurance

This protects you from damage or injury you incur to people or other property. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like pain and suffering, structural damage, medical expenses and medical services. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Comprehensive insurance

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from flooding, hitting a bird and hail damage. The maximum payout 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 consider removing comprehensive coverage.

Collision insurance

Collision insurance pays for damage to your Explorer resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for things like backing into a parked car, driving through your garage door and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for bills for things like hospital visits, pain medications, surgery, EMT expenses and doctor visits. They are often utilized in addition to your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Most of the time these coverages are similar to your liability insurance amounts.

Summing up your car insurance search

Some insurance providers don’t offer price quotes online and many times these small insurance companies work with independent agencies. Low-cost 1999 Ford Explorer insurance is possible on the web and from local agencies, and you need to price shop both to have the best chance of lowering rates.

We just covered a lot of techniques to save on 1999 Ford Explorer insurance. The key thing to remember is the more quotes you get, the higher your chance of finding the cheapest auto insurance. You may even discover the best rates are with a small mutual company. Regional companies often have lower auto insurance rates on specific markets compared to the large companies like Progressive or Geico.

For more information, take a look at the articles below:

• Uninsured Motorist Statistics (Insurance Information Insitute)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• How do I File a Claim? (Insurance Information Insitute)
• Young Drivers: The High Risk Years Video (iihs.org)
• Get the Right Protection (InsureUonline.org)