Compare 1998 Ford Explorer Insurance Quotes

Looking for better auto insurance rates for your Ford Explorer? High-priced Ford Explorer insurance can overdraw your savings and require stricter spending habits. Shopping your coverage around can lower your rates and help to lower your monthly bill.

Since you have so many online and local companies to choose from, it’s difficult to find a more affordable insurance company.

The purpose of this post is to help educate you on how to get online quotes and some tips to save money. If you currently have a car insurance policy, you will be able to cut costs considerably using this strategy. But drivers must learn the methods companies use to market on the web and apply this information to your search.

Earn discounts to get lower-cost car insurance rates

Some providers do not advertise every available discount in a way that’s easy to find, so we researched a few of the more well known as well as some of the hidden credits that you can use to lower your rates. If you are not receiving all the discounts you deserve, you could be paying more than you need to.

• ABS Brakes – Cars, trucks, and SUVs with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
• Accident Forgiveness – Not necessarily a discount, but companies like Allstate, State Farm and Geico permit an accident without getting socked with a rate hike so long as you are claim-free for a certain period of time.
• Multi-line Discount – Some companies give lower premium rates if you buy a life policy as well.
• Good Grades Discount – Getting good grades may save you up to 25%. This discount can apply up until you turn 25.
• Lower Rates for Military – Being on active duty in the military may lower your premium rates slightly.
• Discounts for Cautious Drivers – Safe drivers could pay up to 40% less for Explorer insurance compared to accident prone drivers.
• Distant Student Discount – Children who live away from home to go to college and do not have a car could get you a discount.
• Senior Citizen Rates – If you qualify as a senior citizen, you are able to get a small decrease in premiums for Explorer insurance.

One thing to note about discounts is that many deductions do not apply to the entire cost. A few only apply to individual premiums such as comp or med pay. So despite the fact that it appears having all the discounts means you get insurance for free, that’s just not realistic.

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

• Geico
• MetLife
• State Farm
• Progressive
• Mercury Insurance
• 21st Century
• Allstate

Check with every insurance company which credits you are entitled to. A few discounts might not be offered in your state. To view insurance companies that offer some of these discounts, click here to view.

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Ways to get auto insurance rate quotes

There are several ways to obtain and compare prices from local auto insurance companies. One of the best ways to find the cheapest 1998 Ford Explorer insurance rates is to use the internet to compare rates. This is very easy and can be done using a couple different methods.

1. The fastest way to find low rates is to use a rate comparison form (click to open form in new window). This quick form keeps you from doing repetitive form entry to each individual auto insurance company. A single form will get you price quotes from many national carriers.
2. A more time consuming way to compare rate quotes requires you to visit each individual company website and repeat the quote process. For example, let’s say you want to compare prices for Progressive, State Farm and Allstate. To get rate quotes you would need to take the time to go to each site and repeatedly enter your information, which can take a lot of time. To view a list of companies in your area, click here.

However you get your quotes, try to keep identical coverages for each price quote. If the quotes have different coverage information it’s not possible to determine the best price for your Ford Explorer. Quoting even small variations in coverage limits may result in large price differences. And when price shopping your coverage, comparing all the rates in your area helps improve the odds of finding lower pricing.

Tailor your insurance coverage to you

When it comes to buying proper insurance coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that can help discover if you would benefit from professional advice.

• Are rental cars covered under my policy?
• Is my teenager covered with friends in the car?
• If my 1998 Ford Explorer is totaled, can I afford another vehicle?
• Can my babysitter drive my car?
• What is roadside assistance coverage?
• Does my car insurance cover rental cars?
• Do all my vehicles need collision coverage?

If you can’t answer these questions, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance companies in your area.

Specifics of your insurance policy

Learning about specific coverages of your policy aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Shown next are typical coverages found on the average insurance policy.

Comprehensive auto coverage – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, damage from getting keyed, hail damage, a broken windshield and theft. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like EMT expenses, prosthetic devices, funeral costs, rehabilitation expenses and hospital visits. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

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

Collision can pay for claims like hitting a parking meter, backing into a parked car and driving through your garage door. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also bump up the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Ford Explorer.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Usually these coverages are identical to your policy’s liability coverage.

Auto liability insurance – Liability insurance provides protection from damage that occurs to people or other property by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Alternatively, you may have one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against claims like legal defense fees, attorney fees and pain and suffering. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

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Summing up your insurance coverage search

Cheap 1998 Ford Explorer insurance can be bought from both online companies and also from your neighborhood agents, and you should compare price quotes from both so you have a total pricing picture. Some companies don’t offer rates over the internet and these smaller providers provide coverage only through local independent agents.

In this article, we presented a lot of tips how to save on 1998 Ford Explorer insurance. The key concept to understand is the more rate quotes you have, the better your chances of lowering your car insurance rates. You may even find the lowest rates come from the smaller companies. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as Allstate or State Farm.

More tips and info about insurance coverage can be read in the articles below:

• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Who Has Affordable Auto Insurance for a Ford Explorer in Santa Ana? (SantaAnaCoverage.com)
• Medical Payments Coverage (Liberty Mutual)
• Auto Insurance Learning Center (State Farm)
• Prepare your Teens for Safe Driving (InsureUonline.org)

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