2012 Ford Explorer Insurance Rates

Trying to find lower car insurance rates? Buyers have many options when searching for the lowest priced Ford Explorer insurance. They can either spend hours struggling with agents getting price quotes or utilize the internet to find the lowest rates.

There is a better way to compare car insurance rates so we’re going to tell you the best way to compare rates for your Ford and obtain the lowest price from local insurance agents and online providers.

You need to get comparison quotes before your policy renews since insurance prices are adjusted regularly by insurance companies. Even if you got the best price on Explorer coverage six months ago a different company probably has better rate quotes today. You’ll find a ton of advice on car insurance online, but in this article, you’re going to get a lot of great tips on how to lower your car insurance premiums.

The purpose of this article is to let you in on how to get online quotes and some money-saving tips. If you are paying for car insurance now, you stand a good chance to be able to save some money using these techniques. Consumers only need to know the most efficient way to compare company rates on the web.

Find discounts on car insurance

Companies that sell car insurance do not advertise their entire list of discounts in an easy-to-find place, so we break down some of the more common and also the lesser-known credits available to you.

  • Low Miles Discount – Keeping the miles down on your Ford can earn substantially lower rates.
  • Anti-theft System – Cars, trucks, and SUVs optioned with advanced anti-theft systems have a lower chance of being stolen and will qualify for a discount on a insurance coverage quote.
  • Employee of Federal Government – Employees or retirees of the government may reduce rates when you quote insurance coverage on Explorer coverage depending on your car insurance provider.
  • Military Discounts – Being deployed in the military could be rewarded with lower premium rates.
  • Senior Citizens – Older drivers may be able to get a small discount on rates on Explorer coverage.
  • Homeowners Discount – Just owning your own home may trigger a policy discount on car insurance because maintaining a house is proof that your finances are in order.
  • Multi-policy Discount – When you combine your home and auto insurance with one company you may earn at least 10% off all policies.

As is typical with insurance, most discount credits are not given to all coverage premiums. Some only apply to individual premiums such as medical payments or collision. Just because you may think all those discounts means the company will pay you, nobody gets a free ride.

If you would like to choose from a list of companies that offer discounts, follow this link.

Which auto insurance is cheapest?

Finding a better price on auto insurance can be relatively painless. Just spend a few minutes to compare free insurance coverage quotes online from several insurance companies. It’s super easy and can be done by using one of the methods below.

  1. The most efficient way consumers can analyze rates is to use a rate comparison form click here to open form in new window. This form saves time by eliminating multiple quote forms for every prospective company. In just a few minutes this one form gets insurance cost estimates direct from many companies. This is perfect if you don’t have a lot of time.
  2. A more difficult way to compare prices consists of visiting each company website and repeat the quote process again and again. For examples sake, let’s say you are doing a rate comparison from Progressive, Farmers and GEICO. To get each rate you have to navigate to each company’s site and repeatedly type in your coverage information, which can get rather old. To view a list of companies in your area, click here.
  3. Even if you have time, the least recommended way of comparing rate quotes is physically going to local insurance agencies. Shopping for auto insurance online eliminates this option unless your situation requires the professional advice that only an agent can give. Some companies do allow you to comparison shop online and get advice from an agent in your area.

Which method you use is up to you, but ensure you are comparing identical deductibles and coverage limits with each company. If each company quotes higher or lower deductibles it will be next to impossible to determine which company has the best rates.

Tailor your car insurance coverage to you

When choosing adequate coverage, there is no perfect coverage plan. Everyone’s needs are different.

For instance, these questions can aid in determining whether or not you might need professional guidance.

  • Will my insurance pay for OEM parts?
  • Am I insured when driving a different vehicle?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What exactly is covered by my policy?
  • How high should deductibles be on a 2012 Ford Explorer?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form. It is quick, free and you can get the answers you need.

Car insurance coverage information

Learning about specific coverages of auto insurance can help you determine the right coverages at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Auto liability

Liability coverage will cover injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims like loss of income, bail bonds, repair costs for stationary objects and structural damage. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Comprehensive coverage

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like rock chips in glass, a broken windshield, damage from getting keyed, hitting a bird and damage from a tornado or hurricane. The highest amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

This gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Collision protection

This coverage will pay to fix damage to your Explorer from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as backing into a parked car, rolling your car, hitting a parking meter and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like EMT expenses, ambulance fees, X-ray expenses and rehabilitation expenses. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

The bottom line

A few companies do not offer online quoting and many times these regional carriers only sell through independent agencies. The cheapest 2012 Ford Explorer insurance is definitely available from both online companies and from local agencies, and you need to price shop both to have the best chance of lowering rates.

We’ve covered many tips how you can shop for 2012 Ford Explorer insurance online. The key thing to remember is the more providers you compare, the better chance you’ll have of finding low cost insurance coverage. You may even find the lowest priced auto insurance comes from a small mutual company.

Drivers switch companies for a number of reasons such as denial of a claim, high rates after DUI convictions, poor customer service and even an unsatisfactory settlement offer. It doesn’t matter what your reason, finding the right auto insurance provider is not as hard as you think.

Additional auto insurance information is located below:

Comments About 2012 Ford Explorer Insurance

  1. Teri Park

    Does Wisconsin require me to have car insurance?

  2. Alica Meadows

    I live just to the west of Providence, RI. Received quotes from Progressive, AAA, Erie, and The General for my 2012 Ford Explorer and am saving around $450 a year. Got better coverage too.

  3. Suanne Robinson

    Progressive is pretty cheap in Maine! :)

  4. Shanae Elliott

    Here’s my quote info. I’m in the north part of Baton Rouge, Louisiana. Compared quite a few companies. Saved right around $20 a month. State Farm was the most affordable for me. I think they have home insurance too. I used their online quote form to compare rates.

  5. Marilynn Neal

    If you have a good history and live near Rio Rancho, New Mexico, check out GEICO. You might save some money. I have a couple other vehicles on the policy. Not sure about claim service.

  6. Larita Bentley

    Does GEICO insure teenage drivers?

  7. Rupert Daniel

    I’m in the east part of Aurora, CO. I got free quotes with Auto-Owners, Nationwide, and a few others for my Explorer and cut my rates about $200 a year.

  8. Roseanne Richardson

    IT’S ALL TOO EXPENSIVE! From northwest of Portland, OR. I compared lots of rates. Saved right around $40 a month. Allstate was the most affordable for me. Can still barely afford it.

  9. Gloria Abbott

    Nice post. Went with MetLife for my Ford and saved about $390 a year.

  10. Maryln Gardner

    Good site, thanks. Proud to be from Norfolk, VA. Quoted quotes from Progressive, Liberty Mutual, and Encompass for my Explorer and I’m now saving $50 a month. Insured with The General before. I got prices on the web.

  11. Lady Burnett

    If you’re a decent driver and live near Des Moines, IA, check out Allstate. They seem to be cheaper. I get lower rates because of my clean driving record.

  12. Dia Wolfe

    Will 21st Century be cheaper if I raise deductibles?