2009 Ford Explorer Sport Trac Insurance Quotes

Want cheaper insurance rates for your Ford Explorer Sport Trac? I doubt anyone gets a kick out of paying for insurance, particularly when they could get a better deal. You have so many insurance companies to choose from, and even though it’s nice to be able to choose, it makes it harder to compare rates.

Choosing the best insurance company for you is not rocket science. If you have car insurance now, you should be able to save some money using these methods. Vehicle owners just need to learn the most efficient way to get comparison quotes online.

Lower your car insurance rates with discounts

Some companies don’t always publicize every discount in an easy-to-find place, so the list below contains both well-publicized as well as some of the hidden car insurance savings.

  • Discount for Life Insurance – If the company offers life insurance, you could get a lower price if you buy some life insurance in addition to your auto policy.
  • Accident Forgiveness Coverage – Not really a discount, but companies like Liberty Mutual, Allstate and State Farm will turn a blind eye to one accident without the usual rate increase so long as you are claim-free for a particular time prior to the accident.
  • Savings for New Vehicles – Adding a new car to your policy can save you some money due to better safety requirements for newer models.
  • Good Driver Discounts – Drivers who avoid accidents can save up to 40% or more on their auto insurance quote on Explorer Sport Trac coverage than drivers with accidents.
  • Discounts for Federal Employees – Federal government employees could qualify for a slight premium decrease on Explorer Sport Trac coverage depending on your car insurance provider.
  • Driver Safety – Taking a course in defensive driver could save 5% or more and also improve your driving technique.
  • Telematics Devices – People who choose to allow driving data collection to look at driving patterns remotely such as Allstate’s Drivewise and State Farm’s In-Drive system may get a rate reduction if they show good driving skills.
  • Multiple Cars – Purchasing coverage when you have all your vehicles with one company could earn a price break for each car.

While discounts sound great, it’s important to understand that some credits don’t apply the the whole policy. Most cut the cost of specific coverages such as medical payments or collision. So even though you would think you would end up receiving a 100% discount, it just doesn’t work that way.

A list of companies and a summarized list of policyholder discounts are outlined below.

  • Farm Bureau may have discounts that include 55 and retired, driver training, renewal discount, youthful driver, good student, multi-policy, and safe driver.
  • MetLife has discounts for accident-free, claim-free, good student, good driver, multi-policy, defensive driver
  • Progressive has savings for continuous coverage, good student, online signing, multi-policy, and homeowner.
  • AAA offers premium reductions for anti-theft, pay-in-full, multi-policy, good driver, multi-car, education and occupation, and AAA membership discount.
  • American Family may offer discounts for good driver, air bags, TimeAway discount, mySafetyValet, early bird, bundled insurance, and multi-vehicle.
  • GEICO offers discounts for multi-policy, air bags, good student, federal employee, and multi-vehicle.
  • State Farm discounts include Steer Clear safe driver discount, defensive driving training, passive restraint, Drive Safe & Save, safe vehicle, and good driver.

Double check with each company which credits you are entitled to. Some credits may not apply to policies in your state.

Low cost car insurance prices

Most of the larger companies such as State Farm, GEICO and Progressive provide price estimates directly from their websites. Obtaining pricing is very simple because it’s just a matter of typing in the amount of coverage you want as detailed in the form. After you complete the form, their rating system makes automated requests for credit information and your driving record and generates a price. This makes it easy to compare insurance prices but the time required to go to multiple sites and complete many quote forms is monotonous and tiresome. But it is imperative to compare as many rates as possible in order to get the best price on car insurance.

An easier way to find better car insurance pricing utilizes a single form to obtain quotes from a lot of companies. It saves time, eliminates repetitive work, and makes rate comparisons much more enjoyable. As soon as the form is sent, it is quoted and you can select any of the quotes returned. If a lower price is quoted, you simply finish the application and purchase coverage. The whole process takes 15 minutes at the most and may save quite a bit of money.

In order to get comparison pricing now, simply click here to open in new window and submit your coverage information. If you have your current policy handy, we recommend you complete the form with the limits and deductibles as shown on your current policy. This way, you will receive comparison quotes based on identical coverages.

Why your insurance rates might be higher

Many things are taken into consideration when you get a price on insurance. Some are pretty understandable like your driving record, although some other factors are not quite as obvious such as your credit history or how financially stable you are.One of the most helpful ways to save on auto insurance is to to have a grasp of some of the things that help determine the level of your policy premiums. When you understand what influences your rates, this enables you to make decisions that may reward you with better auto insurance rates.

Shown below are some of the factors companies use to determine premiums.

  • Vehicles with better crash test results save money – Cars with five star safety ratings get lower rates. Vehicles engineered for safety reduce the chance of injuries and reduced instances of injuries means less money paid by your insurance company and cheaper rates on your policy. If the Ford Explorer Sport Trac is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.
  • Know your credit history – Having a bad credit score factor in determining premium rates. Drivers who have high credit ratings tend to be better drivers and file fewer claims than those with poor credit. Therefore, if your credit rating is lower than you’d like, you could potentially save money when insuring your 2009 Ford Explorer Sport Trac by spending a little time repairing your credit.
  • Coverage deductibles are a factor – Deductibles for physical damage state the amount of money you are required to pay before a claim is paid by your company. Coverage for physical damage, aka comp and collision, protects your car from damage. Examples of covered claims are rearending another vehicle, collision with a deer, and damage caused by road hazards. The more expense you choose to pay out-of-pocket, the lower your rates will be on Explorer Sport Trac coverage.
  • Deter theft and lower prices – Selecting a car model with anti-theft technology or alarm system can help bring down rates. Anti-theft features such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent auto theft and help lower rates.
  • Commute or pleasure use – The more you drive in a year the higher the price you pay to insure it. The majority of insurers calculate prices based upon how the vehicle is primarily used. Cars that have low annual miles receive lower rates than vehicles that have high annual mileage. Improper usage on your Explorer Sport Trac is throwing money out the window. Ask your agent if your auto insurance coverage states the right rating data, because it can save money.
  • Do men or women drive better? – Over the last 50 years, statistics have shown that females take fewer risks when driving. However, this does not mean females are better at driving than males. Men and women are in at-fault accidents at about the same rate, but males tend to have more serious accidents. Not only are claims higher, but men get cited for more serious violations like DWI (DUI) or reckless driving.

You are unique and your insurance should be too

When it comes to buying coverage, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s and your policy should reflect that. For instance, these questions can help discover if your insurance needs could use an agent’s help.

  • Does my 2009 Ford Explorer Sport Trac qualify for pleasure use?
  • How does medical payments coverage work?
  • What if I total my 2009 Ford Explorer Sport Trac and owe more than it’s worth?
  • When would I need rental car insurance?
  • Why am I required to get a high-risk car insurance policy?
  • Do I get a pro-rated refund if I cancel my policy early?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Save 15 percent in 15 minutes? Is it for real?

Consumers constantly see and hear ads that claim the cheapest premium rates by State Farm, GEICO and Progressive. All the companies state the claim about saving some big amount if you move your coverage to them.

Is it even possible that every company can charge you a lower premium? It’s all in how they say it.

All the different companies have an ideal profile for the type of driver that will be a good risk. For example, a profitable insured could possibly be over the age of 35, is a homeowner, and drives a safe vehicle. A customer who matches that profile is entitled to the best price and most likely will save if they switch.

Potential customers who cannot meet these standards may be forced to pay higher prices and this can result in the customer not purchasing. If you pay close attention to the ads, they say “people who switch” not “everyone who quotes” save that much when switching. That is how insurance companies can confidently advertise the savings. Because every company is different, drivers must get a wide range of price quotes. It is just not possible to predict which insurance coverage company will fit you best based on your risk profile.

Specific coverages for a 2009 Ford Explorer Sport Trac

Knowing the specifics of a insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. Listed below are the usual coverages found on the average insurance policy.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as chiropractic care, prosthetic devices, X-ray expenses and dental work. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from a tornado or hurricane, damage from getting keyed, falling objects, theft and vandalism. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers – This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your 2009 Ford Explorer Sport Trac.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Auto liability insurance – Liability coverage will cover damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims like court costs, repair costs for stationary objects, funeral expenses and bail bonds. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Collision coverages – Collision coverage pays for damage to your Explorer Sport Trac resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like sustaining damage from a pot hole, crashing into a ditch, backing into a parked car, sideswiping another vehicle and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Be a smart shopper

Budget-conscious 2009 Ford Explorer Sport Trac insurance is possible from both online companies and also from your neighborhood agents, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who don’t offer rates over the internet and many times these small insurance companies only sell through independent insurance agents.

When buying insurance coverage, make sure you don’t buy poor coverage just to save money. In many instances, someone dropped uninsured motorist or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The aim is to buy enough coverage at the best cost while not skimping on critical coverages.

For more information, link through to the articles below:

Comments About 2009 Ford Explorer Sport Trac Insurance

  1. Lawana Baxter

    Not sure if this is cheap. Went with MetLife for my Ford and saved about $470 a year. I quoted rates online then called them.

  2. Lovella William

    Cheaper car insurance is a myth. I’m in Buffalo, New York. Not sure of all the companies but I ended up saving about $70 each month. Left State Farm to switch. Get lots of quotes to find the best rate.

  3. Jarod Leach

    Proud to be from Newark, DE. Don’t remember every company but I ended up saving about $50 each month. Was with Western Auto Insurance. Teenage drivers are expensive!

  4. Buster Neal

    Anyone try to read their policy?

  5. Donald Meadows

    Why are claims settled so low?

  6. Kellye Ferguson

    GEICO is cheapest in New Jersey! :)

  7. Hiedi Casey

    Got a quote with GEICO for my 2009 Ford Explorer Sport Trac and cut my rates about $560 a year. Insured with AIG Insurance before. I got prices on the web.

  8. Lauran Clayton

    In Sioux Falls, South Dakota, American Family had the best rates for my 2009 Ford Explorer Sport Trac. Ask about discounts.

  9. Romelia Olsen

    Does State Farm insure at replacement cost?

  10. Rutha Gentry

    Any companies in Pittsburgh, Pennsylvania that will insure a DUI?

  11. Mercedez Stone

    Got a quote with Western Auto Insurance for my Explorer Sport Trac and saved about $110 a year. Was with Amica. Even increased coverage a bit. LOL

  12. Laureen Mcintosh

    Looking for cheaper 2009 Ford Explorer Sport Trac insurance in Springfield, MA. Help!

  13. Roxanne Barrett

    I live in a small town just outside of Eugene, Oregon. Got car insurance prices from Travelers, AAA, Liberty Mutual, and MetLife for my Ford and saved just over $360 a year. Teenage drivers are expensive! It never hurts to quote around.