2015 Ford Explorer Insurance Quotes

Trying to find the cheapest insurance rates? Buyers have many options when searching for affordable Ford Explorer insurance. You can either spend your time struggling with agents to get rate comparisons or utilize the internet to compare rates.

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

How to get cheap insurance coverage

There are several ways to shop for insurance coverage, but there is one way that is less time-consuming than others. You can spend your afternoon driving to agents in your area, or you could use online quotes to achieve your goal.

Most of the best insurance companies participate in a marketplace that enables customers to only type in their quote data once, and every company can give them a price based on that data. This saves time by eliminating quote forms to every company.

To compare rates now click here to open in new window.

The one downside to getting quotes like this is you are unable to specify the insurers to get quotes from. So if you want to select specific insurance companies to compare prices, we have assembled a list of low cost insurance coverage companies in your area. Click to view list.

Which method you use is up to you, but ensure you’re using apples-to-apples information for each quote you get. If you are comparing different liability limits it’s impossible to find the best deal for your Ford Explorer.

Are car insurance companies telling the truth?

Consumers constantly see and hear ads that promise big savings for switching by companies like State Farm and Allstate. All the companies state the claim about savings if you just switch your coverage.

How does each company offer drivers better rates? You have to listen carefully.

All the different companies quote their best rates for the driver they prefer to insure. An example of this type of driver may be a married female, has a low-risk occupation, and the vehicle is rated for pleasure use. Someone who matches that profile will most likely get cheap rates as well as save when switching.

Consumers who do not meet those standards may be forced to pay a higher premium which usually ends up with business not being written. The ads say “drivers that switch” not “everyone who quotes” save money. That is how companies can truthfully claim big savings.

That is why drivers should compare many company’s rates. Because without a comparison, you cannot know the company that will provide the lowest prices.

How you can control Ford Explorer insurance premiums

Smart consumers have a good feel for a few of the rating criteria that aid in calculating your policy premiums. When consumers understand what positively or negatively impacts your premiums, this enables informed choices that could result in better car insurance rates. Multiple criteria are part of the calculation when quoting car insurance. Most are fairly basic such as traffic violations, although others are more transparent such as whether you are married or your commute time.

• High credit scores save money – Having a bad credit history factor in calculating your car insurance rates. If your credit history is not that good, you could potentially save money when insuring your 2015 Ford Explorer by improving your credit score. Insureds with high credit scores tend to be more responsible and file fewer claims than drivers with lower ratings.
• Your employer can affect car insurance rates – Did you know your career choice can influence rates? Occupations like lawyers, architects and miners usually pay the highest average rates in part from intense work requirements and incredibly demanding work hours. Conversely, jobs such as scientists, engineers and the unemployed receive lower rates for Explorer insurance.
• Bundle policies to earn discounts – Most major insurers provide better rates to policyholders that purchase more than one policy, otherwise known as a multi-policy discount. Even with this discount applied, consumers should still shop around to help guarantee you have the best rates.
• Younger vs. older drivers – Older insureds are more cautious drivers, cost insurance companies less in claims and are safer drivers.Youthful drivers are statistically shown to be less responsible with other occupants in the car therefore car insurance rates are much higher.
• Accidents can increase rates – Being a careful driver can have a huge impact on auto insurance premiums. Drivers with clean records pay less for auto insurance compared to bad drivers. Having just one speeding ticket or other violation may increase your cost forty percent or more. Drivers who have gotten multiple citations such as DUI, reckless driving or excessive speeding may be required to file a SR-22 with their state’s department of motor vehicles in order to prevent their license from being revoked.
• Lower prices with alarms and GPS tracking – Driving a car that has an advanced theft prevention system can get you a discount on your car insurance. Systems that thwart theives like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent car theft.
• Marriage is a good thing – Having a wife or husband may save some money on your car insurance policy. It is viewed as being more mature and it’s statistically proven that married drivers get in fewer accidents.
• Lower physical damage deductibles cost more – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Ford. Examples of some claims that would be covered are a broken windshield, hitting a deer, or theft. Comprehensive and collision coverage deductibles define the amount you are willing to pay before a claim is paid by your company. The larger the amount the insured is willing to pay, the lower your rates will be for Explorer insurance.

Find hidden discounts to get affordable auto insurance rates

Auto insurance is expensive, but companies offer discounts that you may not know about. Larger premium reductions will be automatically applied at the time you complete a quote, but once in a while a discount must be specially asked for before you will receive the discount.

• Discounts for Federal Employees – Simply working for the federal government could provide a small rate reduction for Explorer insurance depending on your company.
• Life Insurance – If the company offers life insurance, you could get a discounted auto insurance rate on car insurance if you buy life insurance from them.
• Organization Discounts – Affiliation with certain professional organizations can get you a small discount on your bill.
• Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class as it can save substantially.
• Anti-lock Brake Discount – Vehicles with ABS braking systems or traction control prevent accidents and the ABS can save up to 10%.
• Early Switch Discount – A few insurance companies allow discounts for switching policies prior to the expiration date on your current policy. The savings is around 10%.
• Low Mileage Discounts – Low annual miles may enable drivers to earn discounted premium rates on garaged vehicles.
• Mature Driver Discount – Older drivers may qualify for lower premium rates for Explorer insurance.
• Smart Student Discounts – Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
• Military Deployment Discount – Being on active duty in the military may qualify for rate reductions.

Policy discounts save money, but many deductions do not apply to your bottom line cost. A few only apply to specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

To see a list of insurance companies with the best auto insurance discounts, click here to view.

Tailor your car insurance coverage to you

When it comes to buying coverage, there really is not a “best” method to buy coverage. Every insured’s situation is different.

Here are some questions about coverages that may help you determine whether your personal situation might need an agent’s assistance.

• What discounts do I qualify for?
• Which companies will insure high-risk drivers?
• Am I covered if I drive in a foreign country?
• What is covered by UM/UIM coverage?
• I don’t drive much so do I pay less?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and can help protect your family.

Insurance coverage specifics

Knowing the specifics of a insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Collision insurance

This will pay to fix damage to your Explorer resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like colliding with another moving vehicle, sideswiping another vehicle and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive insurance

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hitting a deer, damage from a tornado or hurricane and hitting a bird. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for nursing services, ambulance fees and EMT expenses. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Auto liability insurance

This protects you from damage or injury you incur to people or other property that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like funeral expenses, court costs and pain and suffering. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Cheaper insurance is a realistic goal

People leave their current company for a number of reasons such as questionable increases in premium, extreme rates for teen drivers, delays in paying claims or even high rates after DUI convictions. Whatever your reason, finding a great new company is easier than you think.

When getting insurance coverage quotes online, don’t be tempted to reduce coverage to reduce premium. There are a lot of situations where someone dropped liability coverage limits only to find out that their decision to reduce coverage ended up costing them more. The aim is to buy enough coverage for the lowest price while still protecting your assets.

Cheap 2015 Ford Explorer insurance is definitely available online and from local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some car insurance companies may not provide online price quotes and usually these small, regional companies prefer to sell through independent agents.

More learning opportunities

• Medical Payments Coverage (Liberty Mutual)
• Event Data Recorders FAQ (iihs.org)
• Teen Driving Statistics (iihs.org)
• Think You’re a Safe Driver? (State Farm)