2010 Ford Explorer Sport Trac Insurance Rates – 5 Tips for Best Quotes

There isn’t a single person who likes buying insurance coverage, especially knowing their premiums are through the roof. There are many insurance companies to insure vehicles with, and although it’s nice to have multiple companies, it can be more difficult to compare company pricing.

You should make it a habit to compare prices quite often because insurance rates change regularly. Even if you got the best premium rates on Explorer Sport Trac coverage at your last renewal you may be paying too much now. Forget all the misinformation about insurance coverage because we’re going to show you the right way to lower your annual insurance bill.

How to get free auto insurance quotes online

Effectively comparing auto insurance prices can be a daunting task if you don’t understand the most efficient way. You could spend the better part of a day talking about coverages with insurance agencies in your area, or you can utilize the internet to maximize your effort.

Many of the larger companies take part in a program that enables customers to submit one quote, and every company returns a rated price based on that data. This saves time by eliminating quotation requests for every auto insurance company.

To find out how much you’re overpaying now click here to open in new window.

The one downside to getting quotes like this is you don’t know exactly the insurers to get quotes from. So if you prefer to choose specific providers to compare rates, we have assembled a list of the cheapest auto insurance companies in your area. Click here to view list.

Compare rates however you want, just make sure you are using the exact same information on every quote. If each company quotes different values for each quote it will be very difficult to determine the lowest rate for your Ford Explorer Sport Trac.

Verify you’re earning every discount

Some companies don’t necessarily list all their discounts very clearly, so here is a list some of the more common and the harder-to-find ways to save on insurance coverage. If you do not check that you are getting every discount available, it’s possible you qualify for a lower rate.

• Fewer Miles Equal More Savings – Driving less may enable drivers to earn substantially lower prices.
• Theft Deterent System – Cars and trucks equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and that can save you a little bit as well.
• Drivers Ed for Students – It’s a good idea to have your young drivers participate in a local driver’s education class in high school.
• Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a lower price if you buy a life policy as well.
• Anti-lock Brake System – Anti-lock brake equipped vehicles have fewer accidents and will save you 10% or more.

Remember that most credits do not apply to the overall cost of the policy. A few only apply to specific coverage prices like liability and collision coverage. Just because it seems like it’s possible to get free car insurance, you won’t be that lucky. But any discount will help reduce your premiums.

A list of companies and some of the premium reductions they offer are shown below.

• State Farm has discounts for student away at school, good student, accident-free, Steer Clear safe driver discount, passive restraint, multiple policy, and safe vehicle.
• Farmers Insurance includes discounts for multi-car, electronic funds transfer, bundle discounts, distant student, and early shopping.
• Geico may offer discounts for good student, emergency military deployment, military active duty, federal employee, five-year accident-free, defensive driver, and membership and employees.
• American Family has savings for defensive driver, good student, Steer into Savings, bundled insurance, TimeAway discount, early bird, and accident-free.
• Nationwide may include discounts for anti-theft, easy pay, defensive driving, family plan, and multi-policy.
• Progressive offers discounts including continuous coverage, homeowner, multi-policy, multi-vehicle, and online quote discount.

It’s a good idea to ask every prospective company how you can save money. Savings may not apply to policies in your area. If you would like to see a list of insurance coverage companies that offer multiple discounts, click here to view.

When should I discuss my situation with an agent?

When choosing the best insurance coverage coverage, there really is no best way to insure your cars. Each situation is unique so this has to be addressed. Here are some questions about coverages that might point out whether you may require specific advice.

• Can I rent a car in Mexico?
• Do all my vehicles need collision coverage?
• Is a fancy paint job covered?
• Do I need rental car coverage?
• Do I need replacement cost coverage?
• Am I covered when delivering products for my home-based business?
• I have a DUI can I still get coverage?
• Do I get a pro-rated refund if I cancel my policy early?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance coverage information

Knowing the specifics of a insurance policy helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverages found on most insurance policies.

Liability insurance

Liability insurance protects you from injuries or damage you cause to other’s property or people. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things like pain and suffering, medical services, court costs and attorney fees. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured and underinsured coverage

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as damage to your Ford Explorer Sport Trac.

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

Coverage for medical payments

Med pay and PIP coverage kick in for bills such as surgery, doctor visits and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive coverages

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, rock chips in glass, falling objects and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage protection

Collision insurance will pay to fix damage to your Explorer Sport Trac caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as colliding with a tree, colliding with another moving vehicle, backing into a parked car, hitting a parking meter and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Final considerations

We covered a lot of ways to lower your 2010 Ford Explorer Sport Trac insurance car insurance rates. It’s most important to understand that the more you quote auto insurance, the better chance you’ll have of finding cheap auto insurance. Consumers may even find the lowest car insurance rates come from the smaller companies. Regional companies often have lower premium rates on specific markets as compared to the big name companies such as Allstate and Progressive.

There are still a few companies who do not provide internet price quotes and most of the time these regional insurance providers only sell through independent insurance agencies. Cheaper 2010 Ford Explorer Sport Trac insurance is available online and from local agencies, so compare prices from both in order to have the best price selection to choose from.

Additional information can be read on the following sites:

• Collision Coverage (Liberty Mutual)
• Auto Insurance FAQ (Farmers Insurance)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• Vehicle Insurance (Wikipedia)