Save on 2007 Ford Explorer Sport Trac Car Insurance Cost

Want the cheapest car insurance rates for your Ford Explorer Sport Trac? Trying to find the cheapest insurance for a Ford Explorer Sport Trac can be a lot of work, but you can learn these tips to save time. There are both good and bad ways to compare car insurance rates and you need to know the best way to price shop coverage for a Ford and get the lowest possible price either online or from local insurance agents.

Insurance quotes comparison

Reducing your 2007 Ford Explorer Sport Trac insurance rates is a fairly straight forward process. Just spend a few minutes on the computer getting comparison quotes to find. This can easily be done in just a few minutes using one of these methods.

  • The fastest way to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This style of form keeps you from doing separate quote forms for every prospective company. One quote request gets rate comparisons direct from many companies. Just one form and you’re done.
  • A harder way to compare rate quotes consists of going to the website for each individual company and fill out a new quote form. For example, we’ll assume you want rates from Nationwide, Progressive and Travelers. You would need to visit each site and enter your policy data, which is why the first method is more popular.

    To view a list of companies in your area, click here.

Which method you use is up to you, but make sure you use apples-to-apples deductibles and coverage limits on every price quote you get. If your comparisons have different values for each quote you will not be able to determine which rate is truly the best.

Verify you’re applying every discount

Car insurance companies do not list every discount in an easy-to-find place, so here is a list both the well known and the harder-to-find discounts that may be available.

  • Service Members Pay Less – Having a family member in the military may lower your premium rates slightly.
  • More Vehicles More Savings – Buying a policy with multiple vehicles on one policy can reduce rates for all insured vehicles.
  • Low Miles Discount – Low annual miles could qualify for discounted prices on garaged vehicles.
  • Student Discount for Driver Training – Require your teen driver to sucessfully take a drivers education course in school.
  • Resident Student – Youth drivers who are enrolled in higher education away from home and won’t have access to an insured vehicle can be insured at a reduced rate.
  • Save over 55 – Drivers that qualify as senior citizens can possibly qualify for reduced rates for Explorer Sport Trac coverage.

As a footnote on discounts, most discounts do not apply the the whole policy. Most only reduce the price of certain insurance coverages like liability and collision coverage. Despite the appearance that having all the discounts means you get insurance for free, companies wouldn’t make money that way. Any qualifying discounts will bring down your overall bill.

A few popular companies and a selection of discounts can be found below.

  • American Family policyholders can earn discounts including good student, air bags, Steer into Savings, bundled insurance, and TimeAway discount.
  • Farm Bureau offers discounts including multi-policy, safe driver, driver training, good student, and renewal discount.
  • State Farm has discounts for multiple autos, anti-theft, Drive Safe & Save, safe vehicle, Steer Clear safe driver discount, defensive driving training, and accident-free.
  • Travelers may offer discounts for save driver, multi-car, new car, driver training, continuous insurance, multi-policy, and payment discounts.
  • The Hartford may include discounts for vehicle fuel type, anti-theft, good student, bundle, driver training, air bag, and defensive driver.
  • GEICO discounts include daytime running lights, driver training, anti-theft, seat belt use, and emergency military deployment.
  • Progressive has savings for online quote discount, multi-policy, continuous coverage, multi-vehicle, and online signing.

Check with each company or agent how you can save money. Some discounts listed above may not apply in your area. For a list of insurance companies who offer discounts, follow this link.

When should I discuss my situation with an agent?

When choosing coverage, there is no single plan that fits everyone. Each situation is unique.

Here are some questions about coverages that might point out whether you might need an agent’s assistance.

  • Am I covered if my car is in a flood?
  • Should I carry comprehensive and collision coverage?
  • Does my policy cover my teen driver if they drive my company car?
  • What is no-fault insurance?
  • Do I need added coverage for expensive stereo equipment?
  • How much underlying liability do I need for an umbrella policy?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, fill out this quick form. It is quick, free and may give you better protection.

Insurance coverage options for a 2007 Ford Explorer Sport Trac

Understanding the coverages of a insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.


This protects you from injuries or damage you cause to other people or property. It protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

It consists of 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 translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims such as emergency aid, repair costs for stationary objects, medical services and structural damage. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like damaging your car on a curb, hitting a parking meter, backing into a parked car and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive insurance

This covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as vandalism, damage from getting keyed, a broken windshield and falling objects. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and damage to your Ford Explorer Sport Trac.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as surgery, nursing services, rehabilitation expenses and prosthetic devices. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comments About 2007 Ford Explorer Sport Trac Insurance

  1. Winfred Bryan

    Anyone like their agent?

  2. Paola Spencer

    Lots of useful info here. I’m from Wilmington, DE. I got free quotes with Western Auto Insurance, AIG Insurance, Hanover, and MetLife for my 2007 Ford Explorer Sport Trac and cut my rates about $460 a year. Good multi-policy discounts.

  3. Gerri George

    Hope my car insurance gets cheaper. From north side of Gulfport, Mississippi. Quoted prices from Hanover, American Family, Safeco, and a couple others for my 2007 Ford Explorer Sport Trac and cut my rates about $220 a year. Left AAA to switch. Get lots of quotes to find the best rate.

  4. Cami Stewart

    Will Allstate cancel if I have a claim?

  5. Renata May

    Cheap is relative. Went with Esurance for my Ford and am saving around $500 a year.

  6. Odis Huber

    $100 to anyone who understands their policy.

  7. Terrell Owens

    Good detail in your article. Found cheapest coverage with Nationwide for my Ford and cut my rates about $400 a year. Was with Hanover. They have a lot of discounts available.

  8. Fred Howell

    IT’S ALL TOO EXPENSIVE! From Warren, MI. Got car insurance prices from American Family, Encompass, and MetLife for my Explorer Sport Trac and I think I am saving around $70 each month. Insured with Hanover before. Thankfully I have a good driving record. Online quotes are the way to go.

  9. Keturah Wells

    Not sure if this is cheap. I live just outside Kailua, Hawaii. I got free prices from Auto-Owners, Erie, and Safeco for my Explorer Sport Trac and saved around $560 a year. I even had a DUI years ago. Not sure if rates are cheaper online or not.

  10. Kaila Bradshaw

    FYI in Salem, Oregon try Progressive. I got a good deal.

  11. Lanita Lambert

    Will 21st Century insure with a DUI in Lewiston, Maine?