View 2006 Ford Explorer Insurance Rates

Trying to find better insurance coverage rates for your Ford Explorer? Searching for better insurance prices for a new or used Ford Explorer can normally be a painful process, but you can use a few tricks to find lower rates.

There is a better way to buy insurance coverage so we’re going to tell you the best way to get price quotes for a new or used Ford and locate the lowest possible price from local insurance agents and online providers.

You need to get comparison quotes yearly due to the fact that insurance prices change frequently. Even if you got the lowest price on Explorer coverage last year there is a good chance you can find better rates now. You can find a lot of information about insurance coverage online but in this article, you’re going to get the easiest ways to buy insurance coverage cheaper.

If you have a policy now or need new coverage, you can learn to reduce the price you pay while maintaining coverages. Locating affordable protection is quite easy. Drivers just need to understand the most effective way to compare rates over the internet.

Get affordable auto insurance quotes with discounts

Companies offering auto insurance don’t always list every discount very clearly, so the list below details both the well known as well as some of the hidden auto insurance savings.

  • Discount for Swiching Early – A few insurance companies offer discounts for buying a new policy before your current expiration date. It could save around 10% when you buy insurance coverage online.
  • Discounts for Multiple Vehicles – Purchasing coverage when you have multiple cars or trucks with the same auto insurance company can reduce rates for all insured vehicles.
  • Discount for Passive Restraints – Cars that have air bags or motorized seat belts could see savings of up to 25% or more.
  • Discount for Home Ownership – Just being a homeowner can save you money because owning a home shows financial diligence.
  • No Claims – Insureds with no claims or accidents get the best auto insurance rates compared to drivers with a long claim history.
  • Senior Citizens – Older drivers may receive better auto insurance rates on Explorer coverage.
  • Use Seat Belts – Buckling up and requiring all passengers to use a seat belt can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
  • Online Discount – A few larger online companies will give a small break shop insurance coverage over the internet.
  • Discounts for Responsible Drivers – Drivers who don’t get into accidents may save up to 50% more on Explorer coverage than drivers with accident claims.
  • Theft Prevention Discount – Vehicles that have factory anti-theft systems have a lower chance of being stolen and will save you 10% or more.

Please keep in mind that most credits do not apply to all coverage premiums. Most only reduce individual premiums such as medical payments or collision. Just because it seems like you would end up receiving a 100% discount, you won’t be that lucky.

Insurance companies who might offer many of the previously listed discounts may include but are not limited to:

If you need lower rates, check with all companies you are considering to apply every possible discount. Some of the earlier mentioned discounts may not be offered everywhere. If you would like to choose from a list of providers with discount rates, follow this link.

Tailor your auto insurance coverage to you

When choosing proper insurance coverage, there really is no “best” method to buy coverage. Each situation is unique.

For instance, these questions might help in determining whether or not you might need professional guidance.

  • I have good health insurance, so how much medical payments coverage do I need?
  • Can my teen driver be rated on a liability-only vehicle?
  • How can I get high-risk coverage after a DUI?
  • Does my car insurance cover rental cars?
  • When should I drop full coverage on my 2006 Ford Explorer?
  • Am I covered by my spouse’s policy after a separation?
  • How much liability insurance is required?
  • When should I buy a commercial auto policy?
  • What can I do if my company won’t pay a claim?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and you can get the answers you need.

Learn about insurance coverages for a 2006 Ford Explorer

Having a good grasp of insurance helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for expenses such as rehabilitation expenses, pain medications and ambulance fees. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision protection

Collision insurance will pay to fix damage to your Explorer resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like sustaining damage from a pot hole, backing into a parked car and sideswiping another vehicle. Collision is rather expensive coverage, 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.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these limits are similar to your liability insurance amounts.

Coverage for liability

Liability coverage will cover damage or injury you incur to a person or their property in an accident. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Some companies may use one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things such as funeral expenses, attorney fees and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like falling objects, theft and fire damage. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

And the best car insurance company is…

Cheaper 2006 Ford Explorer insurance is available on the web and with local insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies may not provide rate quotes online and most of the time these smaller providers sell through independent agencies.

When shopping online for insurance, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many cases, someone dropped collision coverage only to regret that the few dollars in savings costed them thousands. Your aim should be to find the BEST coverage at the lowest possible cost while still protecting your assets.

Insureds switch companies for a number of reasons such as high prices, delays in paying claims, lack of trust in their agent and even poor customer service. Regardless of your reason for switching companies, switching insurance companies is not as difficult as it may seem.

To read more, take a look at these articles:

Comments About 2006 Ford Explorer Insurance

  1. Vincenza Tyler

    I live just outside Rio Rancho, NM. Compared rates from a lot of places. Saved right around $30 a month. Allstate was the best choice for me. I get multi-vehicle and multi-policy discounts.

  2. Hilary Fields

    Does 21st Century offer new car replacement?

  3. Fidel Reese

    Nice info. I’m from Gaithersburg, MD. Quoted quotes from Progressive, Liberty Mutual, and Erie for my Explorer and I think I saved about $50 each month. Was with Safeco. Have an at-fault accident tho. You can get a rate quote online.

  4. Petrina Mercer

    I live on the east side of Sioux Falls, SD. I quoted with Progressive, Auto-Owners, and some I forget for my Ford and cut my rates about $360 a year. I used their website to get prices.

  5. Jerri Forbes

    Lots of useful info here. From west side of Columbia, SC. I got free prices from Progressive, AIG Insurance, Eastwood, and GMAC for my Explorer and saved $537 a year. I’m a pretty good driver though.

  6. Lauren Holder

    I got decent rates for a 2006 Ford Explorer in Houston, TX. Ended up at darn near $130 every six months with Amica. God forbid I actually have a claim.

  7. Tyra Leonard

    Just my two cents. I’m from Raleigh, NC. Got car insurance rates from American Family, Nationwide, and Travelers for my Ford and am saving around $150 a year. Left Hartford to switch. Just waiting to see how claims go.

  8. Maybelle Armstrong

    Not sure what I should be paying. I live just to the west of Houston, Texas. I don’t recall every quote but I ended up saving about $40 each month. Ask about discounts. Not sure if rates are cheaper online or not.

  9. Michael Dale

    Lifelong resident of Missoula, MT. Quoted quotes from GEICO, AAA, Encompass, and Liberty Mutual for my Explorer and saved just over $220 a year. I get multi-vehicle and multi-policy discounts. They offer free online rate quotes.

  10. Leo Parrish

    What does medical payments cover?

  11. Alla Nieves

    I compared a lot of rate quotes for a 2006 Ford Explorer in Little Rock, AR. Ended up at right around $440 every six months with Amica. It never hurts to quote around.

  12. Brady Todd

    Does GEICO insure after a DUI?

  13. Herma Fox

    Will State Farm cancel my policy for a liability claim?