Cheaper 2001 Ford Explorer Sport Trac Insurance Quotes

Trying to find low-cost insurance for a new or used Ford Explorer Sport Trac can be an all-consuming task, but you can learn our insurance coverage buying tips to find lower rates.

There are both good and bad ways to shop for insurance coverage and you need to know the absolute fastest way to compare rates for your Ford and locate the best price possible either online or from local insurance agents.

It is always a good idea to get comparison quotes at least once a year because insurance rates change quite often. Just because you had the best rate on Explorer Sport Trac insurance six months ago you can probably find a lower rate today. You can find a lot of misleading information regarding insurance coverage on the internet, but by reading this article, you’re going to learn some guaranteed methods to quit paying high insurance coverage rates.

Pricing the cheapest insurance is not that difficult. If you have insurance now or are just looking to switch companies, you can follow these tips to get lower rates and possibly find even better coverage. Consumers only need to know the proper way to compare rates over the internet.

Why your insurance costs might be higher

Many different elements are part of the equation when you quote your car insurance policy. Some of the criteria are obvious like your driving record, although some other factors are not quite as obvious such as your marital status or how financially stable you are.

Shown below are some of the most rate-impacting factors that factor into rates.

• Pay less with a high safety rating – Vehicles with high crash test scores get lower rates. Safe vehicles reduce occupant injuries and lower injury rates translates directly to fewer claims and cheaper rates on your policy. If your Ford Explorer Sport Trac has at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
• Small coverages can add up – There are a ton of extra add-on coverages that you can get tricked into buying if you aren’t diligent. Insurance for vanishing deductibles, accident forgiveness, and additional equipment coverage are probably not needed. They may seem like a good idea when deciding what coverages you need, but if you don’t need them eliminate them to save money.
• Occupation reflects on insurance coverage rates – Did you know your job can affect your rates? Jobs such as military generals, business owners and miners have higher premiums than the average policyholder attributed to intense work situations and lots of time spent at work. On the other hand, careers such as professors, athletes and the unemployed have the lowest average rates on Explorer Sport Trac insurance.
• Low credit history equals high prices – Having a good credit score is a large factor in calculating your premium rate. Insureds with high credit ratings tend to be more responsible than drivers who have lower credit ratings. If your credit history leaves room for improvement, you could potentially save money when insuring your 2001 Ford Explorer Sport Trac by improving your rating.
• Are you male or female? – Statistics have proven women tend to be less risk to insure than men. Now that doesn’t mean women are BETTER drivers than men. They both get in fender benders at about the same rate, but the males tend to have higher claims. They also get ticketed for serious violations such as DWI and reckless driving.

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How to compare free insurance quotes

Effectively comparing insurance prices is a ton of work if you don’t know the most efficient way to do it. You can spend countless hours talking about coverages with insurance agencies in your area, or you could save time and use the web to maximize your effort.

Most of the best insurance companies participate in an industry program that enables customers to enter their policy data once, and at least one company returns a rated price based on the submitted data. This prevents consumers from doing quote forms to each individual insurance company.

To find out what other companies charge click here to open in new window.

The only downside to getting quotes like this is you cannot specify the companies to get pricing from. If you would rather choose individual companies to compare, we have a page of companies who write insurance in your area. Click here to view list.

You can use whichever method you prefer to find lower rates, just try to keep exactly the same coverage limits and deductibles on every quote. If you compare different limits and deductibles on each one it will be impossible to determine the lowest rate for your Ford Explorer Sport Trac.

Discount auto insurance quotes

Insurance can cost an arm and a leg, but there are discounts available that can help lower your rates. Some discounts will apply at the time of purchase, but some must be specifically requested in order for you to get them. If you are not receiving all the discounts you deserve, you are just wasting money.

• Multi-line Discount – Larger insurance carriers have better prices if you take out a life policy as well.
• Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up can save a little on medical payment and PIP coverage.
• First Accident Forgiveness – This isn’t a discount exactly, but companies like Progressive and Allstate allow you one accident before raising your premiums as long as you don’t have any claims for a set time period.
• Membership in Organizations – Being in certain professional organizations is a good way to get lower rates on your policy.
• Good Driver Discounts – Safe drivers can pay as much as 50% less on Explorer Sport Trac insurance than their less cautious counterparts.
• Discounts for Multiple Vehicles – Purchasing coverage when you have multiple cars or trucks with the same company could earn a price break for each car.
• Home Ownership Discount – Owning a home may trigger a policy discount on auto insurance since home ownership requires a higher level of personal finance.
• Discounts for New Vehicles – Buying a new car model may earn a small discount due to better safety requirements for newer vehicles.
• Military Deployment Discount – Being deployed with a military unit could trigger a small discount.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, you aren’t that lucky. But all discounts will cut the amount you have to pay.

A few popular companies and some of their more popular discounts are:

• Geico offers premium reductions for anti-theft, five-year accident-free, daytime running lights, membership and employees, good student, and emergency military deployment.
• MetLife includes discounts for good student, defensive driver, multi-policy, accident-free, and good driver.
• State Farm offers discounts including good student, multiple policy, anti-theft, accident-free, multiple autos, and defensive driving training.
• Progressive has savings for online signing, continuous coverage, good student, multi-policy, online quote discount, multi-vehicle, and homeowner.
• Mercury Insurance offers discounts for annual mileage, location of vehicle, professional/association, anti-theft, type of vehicle, and age of vehicle.
• 21st Century may include discounts for homeowners, driver training, automatic seat belts, 55 and older, and student driver.
• Allstate may have discounts that include good payer, anti-lock brakes, teenSMART discount, eSmart discount, passive restraint, 55 and retired, and good student.

Before purchasing a policy, check with every prospective company to apply every possible discount. Some of the earlier mentioned discounts may not apply everywhere. To see auto insurance companies that offer many of these discounts, click here to view.

Tailor your insurance coverage to you

When choosing coverage, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s.

For instance, these questions might help in determining if your situation would benefit from professional advice.

• Am I insured when driving a different vehicle?
• How high should my medical payments coverage be?
• Do I have newly-aquired coverage?
• Should I get collision insurance on every vehicle?
• Should I bundle my homeowners policy with my auto?
• What is UM/UIM insurance?
• When should I not file a claim?
• Does car insurance cover theft of personal property?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

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Auto insurance coverage basics

Knowing the specifics of your auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as funeral costs, doctor visits, rehabilitation expenses, hospital visits and chiropractic care. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive auto coverage

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like a broken windshield, damage from flooding and fire damage. The most your auto insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision insurance

This coverage will pay to fix damage to your Explorer Sport Trac resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like backing into a parked car, crashing into a ditch, rolling your car and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.

Liability insurance

This coverage protects you from damages or injuries you inflict on other people or property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as legal defense fees, court costs and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these coverages do not exceed the liability coverage limits.

Make a quick buck

Cost effective 2001 Ford Explorer Sport Trac insurance can be bought on the web as well as from independent agents, so you should be comparing quotes from both to get a complete price analysis. Some companies may not provide the ability to get quotes online and many times these smaller providers only sell through independent agents.

In this article, we presented some good ideas how you can lower your 2001 Ford Explorer Sport Trac insurance rates. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding low cost car insurance. Drivers may discover the lowest rates come from a company that doesn’t do a lot of advertising.

Drivers switch companies for a number of reasons such as being labeled a high risk driver, extreme rates for teen drivers, high rates after DUI convictions and delays in paying claims. Regardless of your reason for switching companies, choosing a new insurance company is easier than you think.

Much more information about car insurance can be read at these links:

• Speed and Speed Limit FAQ (iihs.org)
• Vehicle Insurance (Wikipedia)
• Teen Driver Licensing Information (iihs.org)
• Red Light Cameras (State Farm)

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