Cheap 2016 Ford Explorer Insurance Rates

Looking for the cheapest insurance rates for your Ford Explorer? Are you sick and tired of wondering where the money will come from to insure your Ford every month? Your situation is no different than many other drivers.

With so many insurance companies to choose from, it’s difficult to choose the lowest price insurance company.

It’s a good idea to take a look at other company’s rates periodically because insurance prices tend to go up over time. Even if you got the best rates for Explorer insurance six months ago you may be paying too much now. There is too much inaccurate information about insurance out there, but in a few minutes you can learn some of the best ways to lower your insurance bill.

Finding affordable coverage is not rocket science. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using this information. Nevertheless, drivers can benefit from knowing the way insurance companies sell insurance online because it can help you find the best coverage.

Get cheaper rates with these discounts

Car insurance can cost a lot, but you may qualify for discounts that many people don’t even know exist. Some of these disounts will be visible when you quote, but occassionally some discounts must be inquired about before you will receive the discount.

• Smart Student Discounts – Maintaining excellent grades may save as much as 25% on a insurance coverage quote. The discount lasts up until you turn 25.
• Active Military Service – Being on active deployment in the military could mean lower rates.
• Early Renewal Discounts – Some companies provide a discount for switching to them before your current coverage expires. This can save 10% or more.
• Homeowners Pay Less – Owning your own home or condo can save you money due to the fact that maintaining a home is proof of financial responsibility.
• Multiple Cars – Having several vehicles on one policy qualifies for this discount.
• Accident Waiver – This one isn’t a discount, but companies like State Farm and Allstate allow you one accident without the usual rate increase with the catch being you have to be claim-free prior to the accident.
• Anti-lock Brake Discount – Cars with ABS and/or traction control have fewer accidents so you can save 10 percent or more.

Drivers should understand that most credits do not apply to the entire cost. Most only apply to individual premiums such as collision or personal injury protection. Just because it seems like it’s possible to get free car insurance, it just doesn’t work that way.

Some of the insurance companies who might offer some of the discounts shown above include:

• Progressive
• SAFECO
• American Family
• MetLife
• Geico
• The Hartford

Before purchasing a policy, check with every insurance company which discounts can lower your rates. Savings might not be offered in your area. To find companies that offer the discounts shown above, click here to view.

Ways to get car insurance rate quotes

There are several ways to compare car insurance prices but some are easier and takes less work. You can spend countless hours driving to local insurance agents in your area, or you could save time and use the internet to get pricing more quickly.

Most of the larger companies participate in a marketplace that allows shoppers to submit one quote, and each participating company then returns a price quote based on the submitted data. This system prevents you from having to do quote forms to each company. To access this free quoting program, click to open in new window.

The single downside to pricing coverage this way is you can’t choose which providers to get pricing from. If you prefer to choose individual companies to compare, we have a listing of companies who write car insurance in your area. Click here to view list.

Which method you use is up to you, but ensure you’re using the exact same coverages with every price quote. If your comparisons have differing limits it will be impossible to determine the lowest rate for your Ford Explorer. Just slight variations in limits can result in a big premium difference. It’s important to know that obtaining a wide range of quotes provides better odds of finding lower pricing. Some regional insurers cannot provide online rate quotes, so it’s important to also get price estimates from them, too.

Auto insurance can be complex

When choosing the right insurance coverage, there isn’t really a perfect coverage plan. Every situation is different so your insurance should reflect that For instance, these questions may help you determine if your situation might need an agent’s assistance.

• Does insurance cover tools stolen from my truck?
• Is a blown tire covered by insurance?
• If my pet gets injured in an accident are they covered?
• What is no-fault insurance?
• When would I need additional glass coverage?
• Do I need PIP (personal injury protection) coverage in my state?
• Is pleasure use cheaper than using my 2016 Ford Explorer to commute?
• Am I covered if I hit my neighbor’s mailbox?
• Are my friends covered when driving my 2016 Ford Explorer?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Detailed coverages of your insurance policy

Learning about specific coverages of your policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types available from insurance companies.

Liability auto insurance

This coverage 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.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims like bail bonds, loss of income and legal defense fees. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.

Comprehensive coverages

This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as a broken windshield, vandalism, fire damage and hitting a bird. The highest amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Explorer.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for expenses like chiropractic care, dental work, pain medications, EMT expenses and funeral costs. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Collision protection

This coverage pays for damage to your Explorer caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as colliding with another moving vehicle, driving through your garage door, sideswiping another vehicle, colliding with a tree and rolling your car. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Pennies from heaven

When trying to cut insurance costs, never buy less coverage just to save a little money. In too many instances, someone dropped liability coverage limits only to find out they didn’t purchase enough coverage. The aim is to find the BEST coverage for the lowest cost, but don’t skip important coverages to save money.

Cheaper insurance coverage is possible both online as well as from independent agents, and you need to comparison shop both so you have a total pricing picture. Some insurance coverage companies may not have online quoting and most of the time these small, regional companies only sell through independent insurance agencies.

Other learning opportunities

• Think You’re a Safe Driver? (State Farm)
• Tread Depth and Tire Safety (State Farm)
• Determing Auto Insurance Rates (Geico)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)