View 2014 Ford Explorer Insurance Rates

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Trust us when we tell you there are lots of residents who feel the same. With so many car insurance companies to choose from, it’s nearly impossible to choose the best insurance company.

The best way we recommend to get policy rate comparisons is to take advantage of the fact most of the larger companies actually pay money for the chance to give free rates quotes. The only thing you need to do is provide a small amount of information such as your occupation, if a SR-22 is needed, if you are currently licensed, and the make and model of your vehicles. Those rating factors is sent automatically to many of the top insurers and you get price estimates with very little delay.

To check rates for your 2014 Ford Explorer now, click here and enter your zip code.

Components of your Ford Explorer insurance premiums

Many things are part of the calculation when you get a price on insurance. A few of the factors are predictable such as your driving record, although others are not quite as obvious such as your credit history or how financially stable you are.It’s important that you understand the factors that help calculate the rates you pay for insurance coverage. When consumers understand what impacts premium levels, this allows you to make good choices that may reward you with cheaper rates.

  • Good credit saves on insurance coverage – Having a bad credit history is a big factor in determining your rates. If your credit rating is not that good, you could be paying less to insure your 2014 Ford Explorer by repairing your credit. People with good credit tend to file fewer claims and have better driving records than drivers with worse credit.
  • Add-on coverages you don’t use – There are a ton of add-on coverages that you can buy if you aren’t careful. Insurance for coverage for rental cars, towing coverage, and extra equipment coverage could be just wasting money. You may think they are a good idea at first, but your money might be better spent on other coverage so think about removing them and cutting costs.
  • Deter car thieves – Buying a car that has a built-in theft deterrent system can save you a little every year. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent vehicle theft.
  • Maintain insurance coverage coverage – Having a lapse in insurance coverage will be a sure-fire way to increase your rates. In addition to paying higher rates, being ticketed for driving with no insurance can result in a fine, jail time, or a revoked license.
  • Get cheaper premiums after the wedding – Having a wife or husband may earn you lower rates on insurance coverage. Having a spouse demonstrates that you tend to be less irresponsible and it’s statistically proven that drivers who are married are more cautious.
  • Annual mileage impacts rates – The more you drive every year the higher your rate. The majority of insurers price each vehicle’s coverage partially by how you use the vehicle. Cars not used for work or commuting cost less to insure than cars that get driven a lot. Having the wrong rating on your Explorer may be costing you. Verify your insurance coverage declarations sheet is rated on the proper vehicle usage, because it can save money.
  • Male premiums may be higher – Over time, data shows that females take fewer risks when driving. That doesn’t necessarily mean that females are better at driving than males. Both sexes tend to get into accidents in similar percentages, but the males have accidents that have higher claims. Men also statistically get higher numbers of serious violations like driving under the influence (DUI).
  • Accidents hurt – Drivers who don’t get tickets pay less for auto insurance than bad drivers. Getting just one driving citation can boost insurance rates to the point where it’s not affordable. Drivers who get flagrant tickets like DUI or willful reckless driving may need to submit a SR-22 form with their state in order to continue driving.

Get lower-cost rates with these insurance coverage discounts

The cost of insuring your cars can be expensive, but you might already qualify for some discounts that could help you make your next renewal payment. Most are applied when you quote, but less common discounts must be specially asked for before you get the savings.

  • Paper-free Discount – Many companies give back up to $50 for buying your policy on their website.
  • Braking Control Discount – Anti-lock brake equipped vehicles have fewer accidents and qualify for as much as a 10% discount.
  • Homeowners Savings – Owning a home can help you save on insurance coverage due to the fact that maintaining a home requires a higher level of personal finance.
  • Safe Driver Discount – Drivers who avoid accidents may save up to 50% more on Explorer insurance compared to rates paid by drivers with frequent claims.
  • Student Driver Training – Have your child enroll and complete driver’s education in school.

One last thing about discounts, some of the credits will not apply to the entire cost. Most cut individual premiums such as comp or med pay. Despite the fact that it seems like you can get free auto insurance, you won’t be that lucky.

For a list of insurance companies with discount insurance coverage rates, click this link.

Insurance can get complicated

When it comes to buying coverage for your personal vehicles, there really is no “best” method to buy coverage. Every situation is different so your insurance should reflect that For example, these questions can help discover whether your personal situation might need professional guidance.

  • Am I covered when pulling a rental trailer?
  • How can I get high-risk coverage after a DUI?
  • Am I covered if I break a side mirror?
  • Should I waive the damage coverage when renting a car?
  • Can my teen drive my company car?
  • Does insurance cover tools stolen from my truck?
  • Is my nanny covered when driving my vehicle?
  • Where can I find high-risk insurance?
  • Should I have a commercial auto policy?
  • Does my insurance cover a custom paint job?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Car insurance coverage information

Knowing the specifics of auto insurance aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. These are typical coverages found on the average auto insurance policy.

Liability insurance

This coverage protects you from damages or injuries you inflict on people or other property in an accident. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims such as attorney fees, court costs, bail bonds and loss of income. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Medical costs insurance

Coverage for medical payments and/or PIP pay for expenses for EMT expenses, rehabilitation expenses, funeral costs, hospital visits and ambulance fees. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like rock chips in glass, falling objects, a broken windshield, fire damage and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Collision coverage protection

This will pay to fix damage to your Explorer resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like sustaining damage from a pot hole, sideswiping another vehicle and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Don’t throw your cash in the trash

Cheaper insurance coverage can be bought on the web and with local insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance providers may not have online quoting and usually these regional insurance providers only sell through independent agents.

We just presented some good ideas how to reduce 2014 Ford Explorer insurance car insurance rates online. The key thing to remember is the more quotes you get, the better your chances of lowering your premium rates. You may even find the best car insurance rates are with a company that doesn’t do a lot of advertising. Smaller companies may only write in your state and offer lower premium rates as compared to the big name companies such as GEICO and State Farm.

More tips and info about insurance coverage is available at these sites:

Comments About 2014 Ford Explorer Insurance

  1. Lorilee Garrett

    Allstate has the cheapest rates in Rhode Island. No comparison.

  2. Jarrod Maxwell

    Went with Hanover for my Explorer and cut my rates about $140 a year. Moved home policy as well. Highly recommended.

  3. Corinne Goff

    I got decent rates for a 2014 Ford Explorer in Dallas, TX. Ended up at darn near $580 every six months with AIG Insurance. Have an at-fault accident tho. It’s easy to compare rates online now.

  4. Yajaira Dalton

    Cheap is not always the best policy. I’m from Great Falls, MT. I quoted with USAA, Amica, Hanover, and Nationwide for my Explorer and am saving around $320 a year. Insured with USAA before. Even increased my liability limits.

  5. Fidelia Smith

    I’m in the suburbs of Bangor, Maine. Compared quite a few companies. Saved darn near $50 a month. State Farm was the cheapest for me. Even increased my liability limits.

  6. Sacha Best

    I got decent rates for a 2014 Ford Explorer in Columbia, SC. Ended up at roughly $300 every six months with AAA. Was with AIG Insurance. Hopefully won’t need it. I recommend comparing lots of rates.

  7. Calvin Branch

    What is UM/UIM coverage?

  8. Ozell Horn

    I switched to State Farm. Quoted good rates in Davenport, IA.

  9. Flossie Finch

    Is GEICO or State Farm cheaper in Greensboro, NC?

  10. Ling May

    Good site, thanks. Located in Milwaukee, Wisconsin. Got car insurance rates from Allstate, AAA, and Eastwood for my Explorer and I’m now saving $39 a month.

  11. Merrill Macias

    Does Hawaii require a SR-22 after a DUI?

  12. Blondell Hutchinson

    This is too expensive. Quoted with Eastwood for my Ford and saved about $490 a year. Left Amica to switch. God forbid I actually have a claim.

  13. Sylvia Delgado

    If you have a clean record and live near Baton Rouge, Louisiana, check out Allstate. They seem to be cheaper. :P

  14. Yon Calhoun

    Cheap is relative. Live in Hartford, CT. Quoted quotes with American Family, Encompass, and Nationwide for my Ford and saved $138 a year. Left Nationwide to switch. Thankfully I have a good driving record.