Trying to find the cheapest car insurance rates? Buyers have lots of choices when searching for the best price on Ford Explorer insurance. You can either waste hours calling around to compare prices or save time using the internet to find the lowest rates. There is a right way and a wrong way to shop for car insurance so we’re going to tell you the proper way to price shop coverage for your Ford and locate the cheapest rates.
It’s a good habit to get comparison quotes yearly because car insurance prices are usually higher with each renewal. Just because you had the best rates on Explorer insurance two years ago you can probably find a lower rate today. Don’t believe everything you read about car insurance out there, but in just a couple of minutes you can learn a bunch of ideas how to stop overpaying for insurance.
If you are insured now or are just looking to switch companies, you can learn to find better prices while maximizing coverage. This information will familiarize you with how to get online quotes. Drivers only need to know the most effective way to shop for auto insurance online.
There are several ways to compare auto insurance prices but there is one way that is less time-consuming than others. You can spend your afternoon driving to local insurance agents in your area, or you can stay home and use online quotes to achieve your goal.
Most of the best insurance companies participate in a marketplace that enables customers to send in one quote, and at least one company then returns a price quote based on the submitted data. This saves time by eliminating form submissions for each company you want a rate for. To access this free quoting program, click here to open in new window.
One minor caviat to comparing rates this way is you can’t choose which insurance companies you want pricing from. If you prefer to choose individual companies to compare rates, we have a listing of companies who write auto insurance in your area. Click here to view list.
Take whichever approach you prefer, but do your best to use exactly the same deductibles and coverage limits on every quote. If you use unequal deductibles or liability limits it will be very difficult to determine the best price for your Ford Explorer.
When buying proper insurance coverage, there really is not a best way to insure your cars. Everyone’s needs are different.
Here are some questions about coverages that might point out if your insurance needs may require specific advice.
If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and can provide invaluable advice.
Knowing the specifics of insurance can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording.
Comprehensive insurance 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 insurance covers things such as rock chips in glass, a broken windshield, damage from a tornado or hurricane, theft and hitting a bird. 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 coverage can cover injuries or damage you cause to people or other property. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.
Liability coverage pays for claims such as bail bonds, repair bills for other people’s vehicles and pain and suffering. How much liability should you purchase? That is up to you, but buy as large an amount as possible.
Med pay and Personal Injury Protection (PIP)
Med pay and PIP coverage pay for short-term medical expenses for doctor visits, X-ray expenses and prosthetic devices. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay
Uninsured/Underinsured Motorist (UM/UIM)
Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Ford Explorer.
Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.
Collision insurance pays for damage to your Explorer resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision can pay for things such as scraping a guard rail, backing into a parked car, hitting a mailbox, sustaining damage from a pot hole and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.
Cheap is not always the best policy. I’m from Dover, DE. Quoted with Allstate, Encompass, and Hanover for my Explorer and saved $90 a year. Hardly afford to drive anymore.
Great info, thanks for posting. From northwest of Hilo, HI. Quoted quotes from Progressive, Hartford, and Encompass for my 2013 Ford Explorer and saved $200 a year. Hopefully won’t need it. Did it all online.
From a town just southwest of Huntington, WV, and GEICO rates were best.
Went with Travelers for my Explorer and saved about $560 a year. Insured with American Family before.
I’m in the west part of Memphis, TN. I quoted with State Farm, GMAC, and Encompass for my Ford and saved just over $470 a year. I increased coverages a little too. Hardly afford to drive anymore.
I’m in the south part of South Burlington, VT. Quoted quotes with Western Auto Insurance, Amica, GMAC, and Nationwide for my Ford and I’m now saving $38 a month. They have a lot of discounts available. They were helpful in switching over.
I live on the south side of Miami, FL. Quoted prices online for a 2013 Ford Explorer. Ended up at about $280 savings annually. Went with GEICO. I think they have home insurance too.
Lifelong resident of Philadelphia, PA. Got car insurance quotes with 21st Century, AAA, and some I forget for my Explorer and saved just over $570 a year.
What is comprehensive coverage?
What does medical payments cover?