1994 Ford Explorer Insurance Quotes

Think you have overpriced insurance coverage? Don’t feel bad because there are many people just like you. Big-name insurance companies like Allstate, Liberty Mutual and State Farm increase brand awareness with fancy advertisements and it is challenging if not impossible to separate fact from fiction and find the best price available.

You need to price shop coverage at least once a year since rates are rarely the same from one policy term to another. Despite the fact that you may have had the lowest rate for Explorer insurance on your last policy you can probably find a lower rate today. Forget anything you know (or think you know) about insurance coverage because you’re about to find out how to quote online to eliminate unnecessary coverages and save money.

If you are insured now or are just looking to switch companies, you will benefit by learning to cut your premiums while maximizing coverage. Finding the best rates is not rocket science. Drivers just need to understand the best way to compare company rates on the web.

Don’t overlook these car insurance discounts

Car insurance can be pricey, but there’s a good chance there are discounts that many people don’t even know exist. Certain discounts will be applied at the time of purchase, but a few must be specially asked for prior to getting the savings. If you check and find you aren’t receiving every discount possible, you may be paying too high a price.

• Multiple Vehicles – Drivers who insure primary and secondary vehicles on a single policy may reduce the rate for each vehicle.
• College Student Discount – Older children who live away from home at college without a vehicle on campus can be insured at a reduced rate.
• Driver Training Discounts – Completing a driver safety class may get you a small discount and easily recoup the cost of the course.
• Air Bags and Passive Restraints – Factory air bags or motorized seat belts can get savings of more than 20%.
• Claim-Free Discount – Drivers who don’t have accidents get the best car insurance rates when compared to accident-prone drivers.
• One Accident Forgiven – This one is not really a discount per se, but a handful of insurance companies will let one accident slide before they charge you more for coverage if your claims history is clear for a set time period.
• Driver’s Ed – Make teen driver coverage more affordable by requiring them to complete a driver education course in school or through a local driver safety program.

We need to note that most credits do not apply to your bottom line cost. Most only reduce individual premiums such as comp or med pay. So even though they make it sound like it’s possible to get free car insurance, you aren’t that lucky.

Car insurance companies that may include some of the above discounts include:

• Progressive
• Farmers Insurance
• Farm Bureau
• State Farm
• Geico
• SAFECO
• Liberty Mutual

Before buying, ask all companies you are considering the best way to save money. A few discounts may not be available in every state. For a list of insurers that offer some of these discounts, click here.

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Compare auto insurance rate quotes online

There are a variety of methods to compare auto insurance quotes, but there is one way that is more efficient than others. You can spend your afternoon talking to agents in your area, or you can stay home and use online quotes to get pricing more quickly.

Most car insurance companies participate in a marketplace that allows shoppers to enter their coverage request one time, and at least one company then returns a price quote based on that data. This prevents consumers from doing form submissions for each company.

To fill out one form to compare multiple rates now click to open in new window.

The one disadvantage to using this type of system is that consumers can’t choose which carriers you will receive quotes from. If you prefer to choose individual companies to compare prices, we have a listing of auto insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but do your best to enter equivalent quote information on every quote. If you use different values for each quote you can’t possibly make a fair comparison for your Ford Explorer.

How your Explorer insurance costs are determined

When buying auto insurance it’s important to understand some of the factors that come into play when calculating your auto insurance rates. If you have a feel for what determines premiums, this enables informed choices that could result in big savings.

The itemized list below are some of the factors used by your company to calculate premiums.

• Higher auto insurance rates for specific employers – Did you know your career choice can influence rates? Careers such as military generalspolice officers and stock brokers generally pay the highest rates because of high stress levels and lots of time spent at work. Other careers such as actors, engineers and retirees have lower than average premiums for Explorer insurance.
• Prevent theft and save – Choosing a vehicle with a theft deterrent system can help lower your premiums. Systems that thwart theives such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent vehicle theft.
• With age comes responsibility – Young drivers are proven to be more careless when driving so they pay higher auto insurance rates. Adding a inexperienced driver onto your auto insurance can be very expensive. Older insureds are viewed as being more responsible, cause fewer claims and accidents , and usually have better credit.
• Women tend to take less risk – Statistics show women are more cautious behind the wheel. However, this does not mean males are worse at driving than females. Men and women tend to get into at-fault accidents at about the same rate, but males get into accidents with more damage. Men also have more aggressive citations such as DWI and reckless driving.
• Insurance rates for married couples – Your spouse can actually save you money on your auto insurance bill. Having a spouse generally demonstrates drivers are less irresponsible and it’s statistically proven that married drivers tend to have fewer serious accidents.
• Car plus home equals more savings – Most major insurance companies will give lower prices to clients who buy several policies from them, otherwise known as a multi-policy discount. The discount can be five, ten or even twenty percent. Even if you already get this discount, drivers will still want to compare other insurance prices to help ensure you have the lowest rates.There is a good possibility that you can save more without the discount by splitting coverages up.

When to get professional advice

When it comes to choosing proper insurance coverage, there really is not a perfect coverage plan. Everyone’s situation is unique and your policy should reflect that. For instance, these questions may help highlight whether your personal situation might need professional guidance.

• Is my state a no-fault state?
• Is my teen driver covered when they drive my company car?
• Should I buy additional glass protection?
• Should I put collision coverage on all my vehicles?
• Are rock chip repairs covered?
• Is other people’s property covered if stolen from my vehicle?
• How do I buy GAP insurance?
• Do I need PIP coverage since I have good health insurance?
• Is pleasure use cheaper than using my 1994 Ford Explorer to commute?
• Am I getting all the discounts available?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It is quick, free and can help protect your family.

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Auto insurance buyers beware

Consumers can’t get away from ads that claim the lowest car insurance rates from companies such as State Farm, Allstate and Geico. All the ads make the same claim about saving some big amount just by moving to their company.

How does every auto insurance company give you a lower rate? It’s all in the words they use.

Insurance companies can use profiling for the driver that will add to their bottom line. One example of a desirable insured may be a married female, has no driving citations, and drives a car with an anti-theft system. A customer getting a price quote who fits that profile receive the lowest rate quotes and therefore will save some money.

Drivers who do not meet this ideal profile will be charged higher rates and ends up with the driver buying from a lower-cost company. The wording the ads use say “customers who switch” but not “all drivers who get quotes” save that much money. That’s the way insurance companies can make claims that they all have the best premium rates.

This emphasizes why it is so important to compare free insurance coverage quotes often. It’s just not possible to know with any certainty which company will have the lowest rate quotes.

Insurance coverage options for a Ford Explorer

Having a good grasp of insurance helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are the normal coverages found on the average insurance policy.

Liability insurance – This can cover damages or injuries you inflict on a person or their property in an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like repair costs for stationary objects, medical services, pain and suffering and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your Ford Explorer.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Most of the time these limits are identical to your policy’s liability coverage.

Comprehensive (Other than Collision) – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like fire damage, vandalism, rock chips in glass, a broken windshield and theft. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision – Collision insurance will pay to fix damage to your Explorer from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things like crashing into a building, rolling your car, scraping a guard rail, colliding with a tree and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like ambulance fees, funeral costs, surgery and EMT expenses. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Shop Smart and Save

When buying insurance coverage, it’s not a good idea to reduce needed coverages to save money. There are many occasions where someone sacrificed uninsured motorist or liability limits and discovered at claim time that it was a big error on their part. The proper strategy is to purchase plenty of coverage at the best price, but do not skimp to save money.

Some insurance companies don’t offer price quotes online and usually these regional carriers only sell through local independent agents. Cost effective 1994 Ford Explorer insurance is attainable from both online companies and from local insurance agents, and you should compare price quotes from both to have the best selection.

In this article, we presented a lot of tips how to compare 1994 Ford Explorer insurance prices online. The most important thing to understand is the more quotes you get, the better likelihood of getting affordable insurance coverage. You may be surprised to find that the best price on car insurance is with some of the lesser-known companies. Smaller companies often have lower rates on specific markets than the large multi-state companies such as State Farm, Geico and Nationwide.

To read more, link through to these articles:

• Side Impact Crash Tests (iihs.org)
• Coverage Information (Progressive Insurance)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• How to Avoid Staged Accidents (State Farm)
• Distracted Driving Statistics (Insurance Information Insitute)

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