2018 Ford Explorer Car Insurance Quotes – 6 Tips for Best Rates

Trying to find lower car insurance rates for your Ford Explorer? Did you come to the realization that you have an expensive car insurance policy? Believe me, many consumers are in the same pinch.

Vehicle owners have multiple car insurance companies to pick from, and though it is a good thing to have multiple companies, lots of choices makes it harder to compare company pricing.

Cheap insurance coverage quotes

Most companies allow consumers to get coverage price quotes on their websites. Comparing prices online is fairly straightforward because you just enter your personal and coverage information into the form. Once entered, their rating system automatically retrieves your driving record and credit report and gives you a price quote. Online quotes makes it easy to compare insurance prices but having to visit many different websites and type in your information is not the best way to spend an afternoon. But it’s necessary to compare as many rates as possible in order to find better insurance coverage pricing.

Online rates the easy way

A less time-consuming method to compare insurance coverage pricing makes use of a single form to obtain quotes from a bunch of companies at once. It saves time, requires much less work on your part, and makes price shopping online a little more enjoyable. As soon as the form is sent, it gets priced with multiple companies and you can pick any one of the quotes that you receive.

If you find a better price you can click and sign and purchase the new policy. It only takes a few minutes and may save quite a bit of money.

If you want to fill out one form to compare multiple rates now, click here to open in new window and enter your vehicle and coverage information. If you currently have coverage, we recommend that you enter the limits and deductibles as shown on your current policy. Doing this assures you’re receiving comparison quotes using the same coverage and limits.

Insurance coverage savings promises

Popular insurance coverage providers such as Progressive, Allstate and Geico constantly bombard you with ads on TV and radio. They all seem to have a common claim that you can save if you get a free auto insurance quote and switch to them. Is it even possible that every company can say the same thing? Here is the trick they use.

All companies are able to cherry pick for the right customer that earns them the most money. An example of a profitable customer may need to be over the age of 50, carries full coverage, and drives a car with an anti-theft system. Anyone who fits that profile will get the preferred rates and have a good chance to save quite a bit of money when switching.

People who fall short of those standards will probably be forced to pay higher premium rates which leads to the customer buying from a different company. The ads say “drivers who switch” not “everyone that quotes” save that much when switching. This is how insurance companies can make claims that they all have the best premium rates.

Each company has different criteria, so you really need to compare free auto insurance quotes often. Because you cannot predict with any certainty which company will have the lowest car insurance rates for your situation.

Auto insurance quotes and discounts

Companies offering auto insurance don’t list every available discount in an easy-to-find place, so we break down a few of the more common and also the lesser-known discounts that you may qualify for.

• Accident Free – Drivers with accident-free driving histories are rewarded with significantly better rates on auto insurance quote in comparison with policyholders that have many claims.
• One Accident Forgiven – Not a discount per se, but companies like Liberty Mutual, Allstate and State Farm will allow you to have one accident before your rates go up so long as you are claim-free prior to the accident.
• Theft Deterent – Cars and trucks equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and can earn a small discount on your policy.
• Passive Restraints and Air Bags – Factory options such as air bags and/or automatic seat belt systems can receive discounts of 25 to 30%.
• Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in high school.
• Bundled Policy Discount – If you can bundle your auto and homeowners insurance with the same insurance company you may earn up to 20% and get you inexpensive auto insurance.

One last thing about discounts, most of the big mark downs will not be given the the whole policy. Some only reduce the cost of specific coverages such as medical payments or collision. Even though the math looks like you would end up receiving a 100% discount, it’s just not the way it works.

If you would like to view companies who offer auto insurance discounts, click here to view.

Situations that may require an agent’s advice

When choosing the right insurance coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s situation is unique so your insurance needs to address that. These are some specific questions might point out whether your personal situation could use an agent’s help.

• Do I have coverage if my license is suspended?
• Can I still get insurance after a DUI?
• Why am I be forced to buy a membership to get insurance from some companies?
• Does insurance cover tools stolen from my truck?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Do I need more liability coverage?
• Should I carry comprehensive and collision coverage?
• Do I get a pro-rated refund if I cancel my policy early?
• Are rental cars covered under my policy?

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 a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

What auto insurance coverages do you need?

Understanding the coverages of your policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverages available from auto insurance companies.

Comprehensive auto coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like fire damage, damage from flooding, vandalism, hitting a bird and a broken windshield. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage protection

This pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as hitting a parking meter, crashing into a building, crashing into a ditch, scraping a guard rail and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also increase the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as damage to your Ford Explorer.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like nursing services, pain medications, chiropractic care and X-ray expenses. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability

Liability insurance can cover damage that occurs to other’s property or people in an accident. It consists of 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 limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for things such as medical services, structural damage, attorney fees, legal defense fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but buy as high a limit as you can afford.

Make a quick buck

When you buy auto insurance online, never buy less coverage just to save a little money. There are many occasions where consumers will sacrifice physical damage coverage and learned later that they should have had better coverage. The ultimate goal is to buy the best coverage you can find for the lowest price.

There are still a few companies who do not provide rate quotes online and many times these smaller companies only sell coverage through independent agents. Cheap 2018 Ford Explorer insurance can be found from both online companies and also from your neighborhood agents, and you should compare rates from both so you have a total pricing picture.

Additional insurance information is available at these links:

• Child Safety FAQ (iihs.org)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• Safety Belts FAQ (iihs.org)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• What is Full Coverage? (Allstate)
• Avoiding Deer Collisions (Insurance Information Insitute)