How Much Does 2008 Ford Explorer Insurance Cost?

Nobody that owns a car gets a kick out of paying for insurance, especially when they know the price is too high. Due to the abundance of online and local companies to choose from, it can be hard to locate the best insurance company.

Shop car insurance online

Most companies give price estimates online. Comparing rates online is possible for anyone because you just enter the amount of coverage you want into the form. When complete, their system orders reports for credit and driving violations and provides a quote determined by many factors. Online price quotes makes comparing rates easy, but the process of having to visit a lot of sites and type in the same data gets old quite quickly. But it’s necessary to do this in order to find better prices.

Online rates the easy way

The preferred way to compare car insurance pricing uses one simple form that obtains quotes from many companies. The form is fast, eliminates repetitive work, and makes online quotes a lot less work. After sending the form, it gets priced and you are able to buy your choice of the pricing results. If a lower price is quoted, you can simply submit the application and buy the new coverage. The whole process takes just a few minutes to complete and may save quite a bit of money.

In order to find out how much you can save on car insurance, simply click here to open in new window and enter your information. If you have coverage now, it’s recommended you type in your coverages exactly as shown on your declarations page. This way, you will have comparison quotes using the exact same coverages.

More discounts mean affordable premiums

Some insurers don’t list the entire discount list very well, so the below list has some of the best known as well as some of the hidden credits available to you.

  • Early Payment Discounts – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.
  • Defensive Driver Discounts – Taking time to complete a safe driver course may get you a small discount and also improve your driving technique.
  • Government Employees – Simply working for the federal government can save as much as 8% on Explorer insurance with certain companies.
  • Multi-car Discount – Having multiple cars or trucks on one policy can reduce the rates for all insured vehicles.
  • Homeowners Discount – Just being a homeowner can earn you a little savings because of the fact that having a home is proof that your finances are in order.
  • Switch and Save Discount – A few insurance coverage companies give discounts for signing up prior to the expiration date on your current policy. This discount can save up to 10%.
  • Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase a life insurance policy as well.
  • Air Bag Discount – Vehicles equipped with air bags or automatic seat belts may earn rate discounts as much as 30%.
  • Military Discounts – Being deployed in the military could qualify you for better rates.
  • Safe Driver Discounts – Drivers who avoid accidents can save as much as half off their rates on Explorer insurance than less cautious drivers.

As a footnote on discounts, most credits do not apply to your bottom line cost. Some only apply to individual premiums such as comprehensive or collision. So when the math indicates all the discounts add up to a free policy, companies don’t profit that way.

To see a list of insurance companies with discount insurance coverage rates, click this link.

It’s not one size fits all

When buying the right insurance coverage, there is no best way to insure your cars. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions can help discover whether your personal situation would benefit from professional advice.

  • When should I remove comp and collision on my 2008 Ford Explorer?
  • Can I rent a car in Mexico?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • What vehicles should carry emergency assistance coverage?
  • Is a blown tire covered by insurance?
  • What if I don’t agree with a claim settlement offer?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • I have health insurance so do I need medical payments coverage?
  • Does my 2008 Ford Explorer qualify for pleasure use?
  • Am I covered if I hit a deer?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance coverage breakdown

Having a good grasp of auto insurance can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on most auto insurance policies.

Liability auto insurance – Liability insurance can cover injuries or damage you cause to other’s property or people by causing an accident. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims such as repair costs for stationary objects, pain and suffering and funeral expenses. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Insurance for medical payments – Med pay and PIP coverage kick in for immediate expenses for things like nursing services, X-ray expenses, prosthetic devices, doctor visits and pain medications. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision) – This pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like theft, a tree branch falling on your vehicle and hitting a bird. The most a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision – This coverage pays for damage to your Explorer resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as crashing into a ditch, sustaining damage from a pot hole, damaging your car on a curb and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your Ford Explorer.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Comments About 2008 Ford Explorer Insurance

  1. Ozie Gillespie

    Great info, thanks for posting. Got a quote with USAA for my Explorer and saved around $490 a year. Hopefully won’t need it.

  2. Lucile Melendez

    I compared a lot of rate quotes for a 2008 Ford Explorer in Grand Forks, ND. Ended up at right around $410 every six months with AIG Insurance.

  3. Lewis Miles

    I got quite a few price quotes for a 2008 Ford Explorer in Las Vegas, NV. Ended up at darn near $420 every six months with AAA. Teenage drivers are expensive! :P

  4. Alta Bauer

    Good site, thanks. I live on the west side of Tampa, FL. Quoted with GMAC, American Family, Sentry, and a couple others for my Explorer and saved around $460 a year.

  5. Alejandro Dawson

    Will 21st Century raise rates if I file a claim?

  6. Lyla Walsh

    I think State Farm has low rates in North Carolina. For me anyway.

  7. Madonna Odonnell

    I switched to 21st Century. Quoted good rates in Cedar Rapids, Iowa. Not sure if rates are cheaper online or not.

  8. Nila Suarez

    I live in Bellevue, Nebraska. Got quotes from 21st Century, Erie, and Hartford for my Explorer and I think I am saving around $70 each month. Moved home policy as well.

  9. Hilario Bentley

    I live on the east side of Evansville, IN. I quoted with Safeco, Eastwood, 21st Century, and Amica for my Ford and I’m now saving $55 a month. I have several vehicles insured with them.

  10. Loria Avery

    Does South Carolina have minimum liability requirements?

  11. Vernita Stephens

    If you have a good history and live near Jersey City, New Jersey, check out Allstate. They seem to be cheaper. I’m a pretty good driver though. Not sure if rates are cheaper online or through an agent.

  12. Cathern Santiago

    I’m in the suburbs of Rockford, IL. Compared rates from a lot of places. Saved right around $40 a month. 21st Century was the best choice for me.

  13. Jason Erickson

    Nice info. Found cheapest coverage with Amica for my 2008 Ford Explorer and saved around $270 a year. Even increased my liability limits. They offer free online rate quotes.

  14. Arthur Sellers

    GEICO is decent in Kansas City, KS.

  15. Jenae Bradley

    I live just outside Tampa, Florida. Compared rates from a lot of places. Saved about $70 a month. Progressive was the cheapest for me.

  16. Dona Massey

    Here’s what I found out. I’m in the suburbs of Provo, Utah. I quoted with Allstate, Auto-Owners, and some I forget for my 2008 Ford Explorer and saved $280 a year. Can still barely afford it.

  17. Adolfo Vang

    I’m in the west part of Fort Smith, AR and for me Progressive had the lowest quote. Left Mercury to switch.

  18. Trey Wolfe

    Thanks for putting this site together. I’m just north of Warren, MI. I don’t recall every quote but I ended up saving about $50 each month. I get lower rates because of my clean driving record.

  19. Stefanie Merritt

    Will 21st Century raise rates after an accident?

  20. Cheri Garrett

    Are custom wheels covered by insurance?

  21. Yessenia Landry

    I got decent rates for a 2008 Ford Explorer in Rutland, VT. Ended up at roughly $470 every six months with Amica. Left Travelers to switch. I’m a pretty low risk driver.

  22. Anthony Glass

    I got decent rates for a 2008 Ford Explorer in Dover, DE. Ended up at about $300 every six months with American Family. Got better coverage too. It’s still not cheap enough.

  23. Julissa Massey

    Mine is so expensive. Proud to be from Great Falls, Montana. Quoted with 21st Century, Encompass, and Hartford for my Explorer and I think I saved about $50 each month. Left Hartford to switch. Not sure if rates are cheaper online or through an agent.

  24. Ruth David

    In Boston, Massachusetts, State Farm auto insurance rates for my 2008 Ford Explorer were good. I got prices on the web.