2008 Ford Explorer Sport Trac Insurance Quotes

Want the cheapest insurance rates for your Ford Explorer Sport Trac? Trying to find cheaper Driversinsurance can be hard for drivers not familiar with buying insurance online. When there are so many companies, it can easily turn into more work than you anticipated to find better prices.

What affects Ford Explorer Sport Trac insurance costs?

An important part of buying insurance is that you know the different types of things that are used to determine auto insurance rates. When consumers understand what impacts premium levels, this enables you to make decisions that may reward you with cheaper rates. Many different elements are used when quoting car insurance. Some factors are common sense such as your driving record, but others are less obvious like your continuous coverage or your vehicle rating.

The itemized list below are a few of the things used by your company to calculate rates.

• Gender is a factor – Statistics have proven that females take fewer risks when driving. It does not mean men are worse drivers. They both tend to get into auto accidents in similar numbers, but the males cause more damage and cost insurance companies more money. Men also get more serious tickets such as driving while intoxicated (DWI) or driving recklessly. Young males are the most expensive to insure so they pay the highest premiums.
• Raising comp and collision deductibles saves money – Deductibles for physical damage represent how much money you are required to spend out-of-pocket if you file a covered claim. Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some instances where coverage would apply are collision with another vehicle, damage caused by hail, and damage from wind. The larger the amount you choose to pay out-of-pocket, the lower your rates will be on Explorer Sport Trac coverage.
• Does your job raise your prices? – Careers such as real estate brokersairline pilots and stock brokers generally have higher premiums than the average policyholder due to intense work situations and lots of time spent away from family. On the flip side, professions such as professors, athletes and homemakers have the lowest average rates on Explorer Sport Trac coverage.
• City dwellers may pay more – Having an address in less populated areas can save you money when buying auto insurance. Drivers who live in large cities tend to have traffic congestion and a longer drive to work. Fewer drivers on the road means a lower chance of having an accident and lower theft and vandalism rates.
• Consolidate policies to earn discounts – Many insurance companies give lower prices to policyholders that have more than one policy, otherwise known as a multi-policy discount. Discounts can amount to ten or even fifteen percent. Even if you’re getting this discount it’s still a good idea to shop around to guarantee you are still saving the most.
• Cheaper auto insurance rates using alarms and GPS tracking – Purchasing a vehicle that has a built-in theft deterrent system can save you some money. Systems that thwart theives like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent car theft.

Cheapest car insurance price quotes

There are multiple methods to compare car insurance prices but there is one way that is less time-consuming than others. You can waste a lot of time discussing policy coverages with agents in your area, or you could save time and use online quotes to get prices fast.

Most of the larger companies belong to a marketplace where prospective buyers only type in their quote data once, and at least one company then gives them pricing for coverage. This system prevents you from having to do quote forms for every car insurance company. To use this form to compare rates click here (opens in new window).

The only drawback to doing it this way is you can’t choose the providers to get pricing from. So if you prefer to pick from a list of companies for rate comparison, we have a page of companies who write car insurance in your area. View list of insurance companies.

It’s up to you which method you use, but compare exactly the same coverages and limits for each quote you get. If your comparisons have different coverage information it’s not possible to truly determine the lowest rate. Slightly different coverages could skew the results. And when comparison shopping, quoting more helps locate better pricing. Some regional insurers cannot provide prices over the internet, so you need to compare price quotes from those companies as well.

Car insurance advertisements

Respected companies like Progressive, Geico, Allstate and State Farm seem to constantly run ads on TV and radio. All the companies advertise claims that people will save just by switching your coverage. How does every car insurance company give you a better price? This is the way they can do it.

Most companies quote their cheapest rates for the type of driver that earns them a profit. For example, a desirable insured could possibly be between the ages of 30 and 50, has few claims, and drives a safe vehicle. Any new insured who fits those characteristics will probably get cheap rates and will also save when switching.

Consumers who fall short of these standards will probably be forced to pay a higher premium and the customer not purchasing. The trick companies use is to say “drivers who switch” not “everybody who quotes” save that much money. That is how companies can truthfully claim big savings. Because each company has a different risk profile, you really need to get insurance quotes as often as possible. Because you cannot predict with any certainty which company will fit your personal profile best.

Save money with discounts

Insurance is expensive, but there could be available discounts to help bring down the price. A few discounts will be applied when you complete an application, but a few must be manually applied in order for you to get them.

• Low Mileage Discounts – Low annual miles could be rewarded with lower prices due to less chance of an accident.
• Sign Early and Save – Some larger companies give discounts for switching companies before your current policy expires. Ten percent is about the average savings.
• Savings for New Vehicles – Putting insurance on a new car may earn a small discount since newer vehicles are generally safer.
• One Accident Forgiven – This one is not really a discount per se, but some companies like Liberty Mutual, Allstate and State Farm may permit one accident before hitting you with a surcharge so long as you are claim-free for a particular time prior to the accident.
• Clubs and Organizations – Affiliation with qualifying employment or professional organizations could trigger savings on your next insurance statement.
• Safety Restraint Discount – Drivers who require all vehicle occupants to wear their seat belts can save a little off the medical payments premium.
• Discount for Good Grades – Getting good grades can be rewarded with saving of up to 25%. You can use this discount normally until age 25.
• Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts could see savings of up to 25% or more.

As is typical with insurance, many deductions do not apply the the whole policy. A few only apply to specific coverage prices like comp or med pay. So despite the fact that it appears all those discounts means the company will pay you, it’s just not the way it works.

Companies and a selection of discounts can be read below.

• State Farm may offer discounts for safe vehicle, multiple autos, good driver, defensive driving training, and good student.
• American Family has savings for multi-vehicle, bundled insurance, defensive driver, good student, mySafetyValet, good driver, and accident-free.
• Geico has discounts for driver training, multi-vehicle, anti-lock brakes, seat belt use, and daytime running lights.
• 21st Century offers discounts including good student, air bags, 55 and older, defensive driver, and automatic seat belts.
• Progressive offers discounts for online quote discount, multi-policy, homeowner, online signing, continuous coverage, good student, and multi-vehicle.

Before you buy a policy, ask each company which discounts can lower your rates. All car insurance discounts might not be available to policyholders in your area. To locate providers that have a full spectrum of discounts, follow this link.

What is the best insurance coverage?

When it comes to buying adequate coverage, there isn’t really a single plan that fits everyone. Each situation is unique.

For instance, these questions may help you determine if your situation would benefit from an agent’s advice.

• Should I have combined single limit or split liability limits?
• I have health insurance so do I need medical payments coverage?
• Am I covered if hit by an uninsured driver?
• Can my teen drive my company car?
• Do I have coverage for damage caused while driving under the influence?
• Is a blown tire covered by insurance?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, simply complete this short form.

Specific coverage details

Understanding the coverages of your policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement.

Comprehensive (Other than Collision) – This pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hitting a bird, a broken windshield, damage from getting keyed and hail damage. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability auto insurance – Liability insurance provides protection from damage or injury you incur to a person or their property by causing an accident. This coverage protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things such as pain and suffering, repair bills for other people’s vehicles, court costs, funeral expenses and medical expenses. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Collision coverage – Collision coverage covers damage to your Explorer Sport Trac from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as scraping a guard rail, colliding with another moving vehicle, crashing into a building and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and damage to your Ford Explorer Sport Trac.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as nursing services, prosthetic devices and hospital visits. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

In the end, you save

Insureds leave their current company for any number of reasons including delays in responding to claim requests, extreme rates for teen drivers, an unsatisfactory settlement offer or even poor customer service. It doesn’t matter what your reason, finding a great new company is pretty simple and you could end up saving a buck or two.

As you quote insurance, never sacrifice coverage to reduce premiums. In many instances, someone sacrificed liability coverage limits to discover at claim time that their decision to reduce coverage ended up costing them more. The goal is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.

We just showed you some good ideas how you can compare 2008 Ford Explorer Sport Trac insurance car insurance rates online. The key concept to understand is the more providers you compare, the better likelihood of getting cheaper insurance. You may be surprised to find that the lowest car insurance rates are with the smaller companies.

For more information, feel free to visit the resources below:

• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Who Has Affordable Scottsdale Car Insurance for a Ford Explorer? (ScottsdaleInsure.com)
• Who Has Cheap Auto Insurance Rates for a Ford Explorer in San Francisco? (SFAutoGuard.com)
• Booster Seat Ratings (iihs.org)
• What is Covered by GAP Insurance? (Allstate)
• Event Data Recorders FAQ (iihs.org)
• What is a Telematics Device? (Allstate)
• Understanding Your Insurance Deductible (Insurance Information Insitute)