2002 Ford Explorer Sport Trac Car Insurance Quotes

Are you tired of sacrificing to keep your car insured? You are in the same boat as many other consumers.

Big companies like State Farm, GEICO and Farmers Insurance promote their brand names with ad campaigns and consumers find it hard to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

If you currently have a car insurance policy, you will be able to lower your premiums substantially using these tips. Choosing the best insurance company for you is quite easy. But vehicle owners do need to know the methods companies use to price insurance differently and apply this information to your search.

The most recommended method to get rate comparisons is to know most of the larger companies participate in a system to compare their rates. The only thing you need to do is provide the companies a bit of rating information such as an estimate of your credit level, how much school you completed, how much you drive, and whether the vehicles are used for commuting. Your rating data gets transmitted to multiple top-rated companies and you should receive rate quotes instantly.

To find lower rates now, click here and complete the form.

Save with these discounts

Companies don’t necessarily list every discount they offer very clearly, so here is a list a few of the more well known and also the lesser-known auto insurance savings. If you’re not getting every credit you qualify for, you are throwing money away.

  • Paperless Signup – Some larger companies will discount your bill up to fifty bucks shop insurance on the internet.
  • First Accident Forgiveness – Not a discount per se, but a few companies such as Progressive, Allstate, and GEICO will forgive one accident before hitting you with a surcharge if you have no claims for a set time period.
  • ABS and Traction Control Discounts – Cars with ABS braking systems or traction control can stop better under adverse conditions so companies give up to a 10% discount.
  • Distant Student – Youth drivers who attend college more than 100 miles from home and do not have access to a covered vehicle may be insured at a cheaper rate.
  • Responsible Driver Discount – Drivers without accidents could pay up to 40% less on Explorer Sport Trac insurance compared to rates paid by drivers with frequent claims.
  • No Claim Discounts – Drivers who don’t have accidents can save substantially when compared to frequent claim filers.
  • Policy Bundle Discount – If you insure your home and vehicles with one company you could earn a discount of up to 20% and get you low cost insurance.
  • Telematics Data – Drivers who agree to allow driving data submission to monitor driving habits through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease if they are good drivers.
  • Use Seat Belts – Forcing all vehicle occupants to buckle up can save 10% or more on the medical payments or PIP coverage costs.

It’s important to understand that some of the credits will not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like comp or med pay. Even though the math looks like having all the discounts means you get insurance for free, it’s just not the way it works.

A partial list of companies that may offer many of the previously listed discounts include:

When getting free insurance quotes, it’s a good idea to each insurance company which discounts you may be entitled to. Depending on the company, some discounts may not apply in your area. If you would like to see a list of insurance companies that offer some of these discounts, click this link.

How car insurance companies determine Ford Explorer Sport Trac insurance rates

It’s important that you understand a few of the rating criteria that help determine the level of your policy premiums. If you have some idea of what controls the rates you pay, this helps enable you to make changes that can earn you cheaper rates. Lots of factors are part of the calculation when premium rates are determined. Some are pretty understandable like a motor vehicle report, although others are not as apparent like your vehicle usage or your vehicle rating.

The items below are a partial list of the pieces insurance coverage companies consider when setting premiums.

  • Avoid traffic tickets – How you drive impacts premiums far more than you think. Good drivers receive lower rates as compared to careless drivers. Just one moving violation can boost insurance rates twenty percent or more. Drivers who have gotten flagrant violations like reckless driving or DUI are required to submit a SR-22 form to the state department of motor vehicles in order to legally drive.
  • Females tend to be lower risk – Statistics have proven that men are more aggressive behind the wheel. The data does not necessarily mean that females are better drivers. Both sexes are in accidents at about the same rate, but the males tend to have higher claims. In addition to higher claims, males also get cited for more serious violations like DUI and reckless driving. Young males have the highest risk to insure so they pay the highest premiums.
  • Deter car thieves – Choosing a vehicle that has an advanced theft prevention system can help lower your rates. Anti-theft devices such as OnStar, LoJack tracking, and tamper alarms all aid in stopping auto theft and help lower rates.
  • Proper usage rating affects prices – The higher the miles on your Ford each year the higher the price you pay to insure it. The majority of insurers calculate prices based upon how you use the vehicle. Cars not used for work or commuting cost less to insure compared to those used for work or business. It’s a good idea to make sure your insurance coverage coverage reflects the correct usage for each vehicle. Having an incorrect usage rating on your Explorer Sport Trac is just wasting money.

Special considerations

When buying the right insurance coverage, there is no best way to insure your cars. Every situation is different so your insurance needs to address that. For instance, these questions could help you determine if your insurance needs would benefit from an agent’s advice.

  • Does my policy pay for OEM or aftermarket parts?
  • Why does it cost so much to insure a teen driver?
  • Should I buy full coverage?
  • I have health insurance so do I need medical payments coverage?
  • When does my teenage driver need to be added to my policy?
  • Does coverage extend to Mexico or Canada?
  • Should I sign the liability waiver when renting a car?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is there coverage for injuries to my pets?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

Insurance specifics

Having a good grasp of a insurance policy helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement. These are the usual coverages offered by insurance companies.

Liability coverage

Liability coverage will cover injuries or damage you cause to other people or property. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims such as legal defense fees, bail bonds and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Collision insurance

This coverage will pay to fix damage to your Explorer Sport Trac from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as damaging your car on a curb, scraping a guard rail, backing into a parked car, sustaining damage from a pot hole and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from getting keyed, rock chips in glass, damage from a tornado or hurricane, a tree branch falling on your vehicle and a broken windshield. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Ford Explorer Sport Trac.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like chiropractic care, funeral costs and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Saving money makes a lot of cents

We just covered many ways to compare 2002 Ford Explorer Sport Trac insurance car insurance rates online. It’s most important to understand that the more times you quote, the better likelihood of getting low cost insurance. Drivers may discover the biggest savings come from a small local company. These smaller insurers may only write in your state and offer lower premium rates than their larger competitors like Progressive or GEICO.

As you quote insurance, don’t be tempted to reduce needed coverages to save money. There are a lot of situations where someone sacrificed liability limits or collision coverage to discover at claim time that it was a big error on their part. Your aim should be to purchase a proper amount of coverage at the best cost.

To learn more, link through to the articles below:

Comments About 2002 Ford Explorer Sport Trac Insurance

  1. My Wolfe

    I live in a small town just outside of Norfolk, VA. Got car insurance quotes with American Family, Safeco, and USAA for my 2002 Ford Explorer Sport Trac and saved just over $90 a year. I have a teen driver too. Get lots of quotes to find the best rate.

  2. Denese Acevedo

    I live in a small town just outside of Owensboro, KY. Got car insurance prices from Nationwide, Encompass, GEICO, and Amica for my Ford and cut my rates about $60 a year. Insured with Hanover before. They offer free online rate quotes. It’s only liability tho.

  3. Etsuko Valencia

    Lifelong resident of Raleigh, NC. I got free quotes with 21st Century, Encompass, and Hartford for my 2002 Ford Explorer Sport Trac and saved just over $110 a year. I don’t insure for physical damage though.

  4. Wan Bridges

    Will Allstate raise rates after an accident?

  5. Lashell Clayton

    Lifelong resident of Dover, Delaware. I quoted with Allstate, Erie, and The General for my 2002 Ford Explorer Sport Trac and am saving around $110 a year. Was with American Family. I got prices on the web. I dropped full coverage awhile back.

  6. Trina Padilla

    Any GEICO or Erie customers near Baltimore, MD?

  7. Mack Hill

    Cheaper not always better. From Manchester, NH. Quoted quotes with Western Auto Insurance, AAA, Hanover, and MetLife for my Explorer Sport Trac and I’m now saving $24 a month. I get a discount for insuring multiple vehicles. Book value doesn’t justify full coverage anymore.

  8. Clark Robles

    I live in a small town just outside of Salt Lake City, Utah. I don’t recall every quote but I ended up saving about $30 each month. You can get a rate quote online. When should I drop full coverage?

  9. Gabriella Stokes

    Great site. From north side of Frederick, MD. Checked online prices for a 2002 Ford Explorer Sport Trac. Ended up at about $90 savings annually. Went with GEICO. Thankfully I have a good driving record. I’m thinking about dropping full coverage though.

  10. Fairy Gould

    Cheaper car insurance is a myth. Lifelong resident of Columbia, SC. Compared quite a few companies. Saved roughly $20 a month. Progressive was the most affordable for me. It’s still not cheap enough. Liability only on my Ford.

  11. Dayle Salinas

    I got decent rates for a 2002 Ford Explorer Sport Trac in Missoula, MT. Ended up at right around $80 every six months with American Family. I increased coverages a little too. Liability only on my Ford.

  12. Evelyne Le

    I’m in the west part of Dallas, Texas. Can’t remember who all I quoted but I ended up saving about $30 each month. I get lower rates because of my clean driving record. Liability only on my Ford.

  13. Ursula Lindsay

    Do I have to carry car insurance in New Jersey?

  14. Wanda Emerson

    I switched to Allstate. Quoted good rates in Hilo, HI. It’s still not cheap enough.

  15. Heidy Beasley

    Here’s my info. I’m in the south part of New Haven, CT. Got free quotes online for a 2002 Ford Explorer Sport Trac. Ended up at about $60 savings annually. Went with 21st Century. LOL Not worth enough to pay for comprehensive and collision.

  16. Ella Harding

    I went with State Farm at renewal. Best rates in Nashua, New Hampshire. Got better coverage too.

  17. Bonnie Stokes

    I got decent rates for a 2002 Ford Explorer Sport Trac in New Haven, CT. Ended up at roughly $80 every six months with Amica. Insured with Progressive before. I increased coverages a little too. They offer free online rate quotes. Next renewal I’ll just do liability.