Save on 2017 Ford Explorer Insurance Cost

Want the cheapest insurance coverage rates for your Ford Explorer? Comparison shopping for cheaper insurance coverage is always kind of frustrating for drivers who are new to quoting coverage prices online. With such a big selection of agents and online companies available, it can easily be a difficult mission to find more affordable rates.

Compare car insurance quotes online

Shopping for lower car insurance rates can be challenging if you don’t utilize the most efficient way to do it. You can waste a lot of time driving to agents in your area, or you can stay home and use the web to get rates in a matter of minutes.

Many insurance companies enroll in a system where prospective buyers enter their coverage request one time, and each company then returns a price quote determined by their information. This eliminates the need for quote forms for every car insurance company. To access this free quoting program, click here (opens in new window).

The one downside to getting quotes like this is that you can’t choose the providers you want pricing from. If you prefer to choose individual companies to compare, we have a listing of the cheapest car insurance companies in your area. Click to view list.

It doesn’t matter which method you choose, just ensure you’re using exactly the same information on every price quote you get. If you have unequal deductibles or liability limits it will be impossible to determine the lowest rate for your Ford Explorer. Just a small difference in insurance coverages or limits can make a big difference in price. And when quoting car insurance, remember that comparing more company’s prices increases the change that you will find a lower rate. Some smaller insurers to not give rate quotes online, so it’s important to also get prices from them, too.

Misconceptions in insurance advertisements

Companies like State Farm, Allstate and Geico seem to constantly run ads on TV and radio. All the ads state the claim that you’ll save big if you change your insurance coverage to their company. It sounds good, but how can they all claim to save you money? This is the way they can do it.

Insurance providers have underwriting criteria for the type of driver that will generate a profit. An example of a preferred risk might be described as between 25 and 40, has no prior claims, and drives newer vehicles. A customer getting a price quote that fits those parameters will probably get the lowest rates and will also save if they switch.

Consumers who don’t qualify for these criteria will probably have to pay more expensive rates which results in the driver buying from a lower-cost company. The ad wording is “customers that switch” not “everybody who quotes” save that kind of money. That is how insurance companies can confidently state the savings. Because every company is different, you should get car insurance quotes from several different companies. You cannot predict which insurance company will provide you with the cheapest premium rates.

Find discounts on insurance coverage

Not many people think insurance is cheap, but there could be significant discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at quote time, but a few need to be inquired about prior to receiving the credit.

• Resident Student – who are enrolled in a college that is more than 100 miles from home and leave their car at home may qualify for this discount.
• Discounts for New Vehicles – Buying insurance on a new vehicle may earn a small discount because newer models have to meet stringent safety requirements.
• Theft Deterent – Vehicles equipped with anti-theft or alarm systems help deter theft so companies will give you a small discount.
• Waiver for an Accident – This one isn’t a discount, but companies like Allstate and Progressive may permit one accident without getting socked with a rate hike as long as you don’t have any claims prior to being involved in the accident.
• Discounts for Safe Drivers – Accident-free drivers may receive a discount up to 45% on Explorer coverage as compared to drivers with claims.

Consumers should know that some credits don’t apply to all coverage premiums. The majority will only reduce individual premiums such as collision or personal injury protection. So even though you would think all those discounts means the company will pay you, nobody gets a free ride.

Larger insurance coverage companies and a summarized list of policyholder discounts can be found below.

• Farmers Insurance offers discounts including early shopping, alternative fuel, distant student, good student, pay in full, teen driver, and bundle discounts.
• Esurance may include discounts for homeowner, anti-lock brakes, Pac-12 alumni, online shopper, anti-theft, good driver, and emergency road assistance.
• State Farm offers discounts for safe vehicle, passive restraint, Steer Clear safe driver discount, accident-free, and good student.
• Geico may offer discounts for anti-theft, multi-policy, multi-vehicle, anti-lock brakes, and membership and employees.
• Allstate policyholders can earn discounts including premier discount, multi-policy, eSmart discount, 55 and retired, resident student, and auto/life discount.

If you want cheap car insurance quotes, ask every prospective company which discounts they offer. Depending on the company, some discounts may not be offered in your area. If you would like to see a list of providers that have a full spectrum of discounts, click this link.

Tailor your insurance coverage coverage to you

When it comes to buying proper insurance coverage, there isn’t really a cookie cutter policy. Everyone’s needs are different.

For instance, these questions may help you determine whether your personal situation might need an agent’s assistance.

• Does my 2017 Ford Explorer qualify for pleasure use?
• Do I need higher collision deductibles?
• Do all my vehicles need collision coverage?
• Are split liability limits better than a combined single limit?
• Am I covered when driving someone else’s vehicle?
• Are all vehicle passengers covered by medical payments coverage?

If you can’t answer these questions, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form.

Coverage specifics

Learning about specific coverages of your auto insurance policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Comprehensive protection

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like falling objects, vandalism and a tree branch falling on your vehicle. The highest amount your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto liability

This coverage provides protection from damage or injury you incur to other people or property. This coverage protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things like attorney fees, repair costs for stationary objects, loss of income, legal defense fees and structural damage. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for funeral costs, rehabilitation expenses, prosthetic devices, doctor visits and pain medications. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and damage to your 2017 Ford Explorer.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Collision coverage

Collision insurance will pay to fix damage to your Explorer resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as damaging your car on a curb, scraping a guard rail, backing into a parked car, crashing into a ditch and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to increase the deductible to bring the cost down.

Final thoughts

Insureds switch companies for a number of reasons such as questionable increases in premium, high rates after DUI convictions, being labeled a high risk driver and even delays in responding to claim requests. No matter why you want to switch, finding a great new company can be easy and end up saving you some money.

Throughout this article, we presented some good ideas how you can reduce 2017 Ford Explorer insurance rates online. It’s most important to understand that the more price quotes you have, the better your chances of lowering your auto insurance rates. Consumers could even find that the most savings is with a smaller regional carrier.

When buying insurance coverage, it’s not a good idea to buy less coverage just to save a little money. There have been many cases where an accident victim reduced physical damage coverage only to regret at claim time that the savings was not a smart move. Your focus should be to purchase plenty of coverage for the lowest price while still protecting your assets.

Additional car insurance information can be found at the links below

• Shopping for a Safe Car (Insurance Information Insitute)
• What Does No-Fault Insurance Cover? (Allstate)
• Where can I buy Insurance? (Insurance Information Insitute)
• Drunk Driving Statistics (Insurance Information Insitute)