Lower Your 2003 Ford Explorer Sport Insurance Quotes

Trying to find the cheapest insurance rates for your Ford Explorer Sport? Do you get exhausted from trying to scrape together enough money to make your insurance payment? Your situation is no different than millions of other drivers.

Due to the increasing number of insurance companies to choose from, it can be challenging to pick the best company.

You should make it a habit to compare prices as often as possible due to the fact that insurance prices are variable and change quite frequently. Just because you had the lowest rates for Explorer Sport insurance two years ago the chances are good that you can find a lower rate quote today. There is lot of inaccurate information about insurance out there, but by reading this article, you’re going to learn some great ideas on how to stop overpaying for insurance.

Verify you’re earning every discount

Auto insurance companies do not advertise every disount available in an easy-to-find place, so the list below gives a summary of both the well known and also the more inconspicuous credits available to you.

• Discounts for Government Workers – Being employed by or retired from a federal job can save as much as 8% for Explorer Sport insurance with select insurance companies.
• Onboard Data Collection – Drivers who agree to allow their insurance company to scrutinize when and where they use their vehicle by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks if they show good driving skills.
• No Claims – Insureds who avoid accidents and claims pay much less when compared to insureds who have frequent claims or accidents.
• Passive Restraint Discount – Cars that have air bags can receive discounts of up to 25% or more.
• Early Payment Discounts – By paying your policy upfront instead of paying each month you may have a lower total premium amount.
• E-sign Discounts – A handful of larger companies provide a small discount simply for signing on your computer.
• Good Students Pay Less – Being a good student can get you a discount of up to 25%. Most companies allow this discount up to age 25.
• Bundle and Save – If you can bundle your auto and homeowners insurance with the same company you will save 10% to 20% off each policy.
• Distant Student – College-age children who are attending college and do not have a car may be able to be covered for less.

A little note about advertised discounts, most of the big mark downs will not be given the the whole policy. Most only cut specific coverage prices like collision or personal injury protection. Even though the math looks like having all the discounts means you get insurance for free, that’s just not realistic.

For a list of providers with discount auto insurance rates, click here to view.

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First Step: Get free insurance quotes

Performing a rate comparison can take time and effort if you don’t know the most efficient way. You can spend countless hours discussing policy coverages with insurance companies in your area, or you can utilize online quotes to get rate comparisons in just a few minutes.

Many of the larger companies participate in a marketplace where insurance shoppers enter their policy data once, and each company then returns a price quote based on that information. This system prevents you from having to do form submissions to every company.

To submit your quote information now, click here to start a free quote.

The one downside to doing it this way is you don’t know exactly the insurers you will receive quotes from. If you would rather choose individual companies to request quotes from, we have a listing of insurance companies in your area. Click to view list.

It’s up to you which method you use, but be sure you’re using equivalent information for each quote you get. If you compare differing limits it will be very difficult to make an equal comparison. Even a minor difference in coverages may result in a large different in cost. And when price shopping your coverage, comparing a wide range of rates gives you a better chance of getting the best price. Some smaller insurers to not give online price quotes, so you also need to get quotes from those companies as well.

When should I discuss my situation with an agent?

When buying coverage, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s and your policy should reflect that. For instance, these questions could help you determine whether or not you could use an agent’s help.

• Is my custom paint covered by insurance?
• Where can I find DUI or SR-22 insurance?
• I have health insurance so do I need medical payments coverage?
• How high should my medical payments coverage be?
• Is my state a no-fault state?
• How can I force my company to pay a claim?
• Do I have coverage when pulling a U-Haul trailer?
• Is my 2003 Ford Explorer Sport covered for flood damage?
• Do I need replacement cost coverage?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Car insurance coverage options for a Ford Explorer Sport

Knowing the specifics of your car insurance policy can help you determine the right coverages for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Shown next are the usual coverages available from car insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision protection

This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like crashing into a ditch, crashing into a building, backing into a parked car, damaging your car on a curb and rolling your car. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for pain medications, surgery, doctor visits, hospital visits and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Auto liability insurance

This coverage can cover damages or injuries you inflict on other people or property. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things like funeral expenses, emergency aid, attorney fees, medical expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Comprehensive auto coverage

This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hail damage, damage from getting keyed, theft and falling objects. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

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Get your money’s worth

Some insurance coverage companies do not provide internet price quotes and these smaller providers prefer to sell through independent agents. Discount 2003 Ford Explorer Sport insurance is possible online and from local insurance agents, and you need to comparison shop both so you have a total pricing picture.

When shopping online for insurance coverage, do not skimp on critical coverages to save a buck or two. In many cases, an insured dropped full coverage only to regret at claim time that the few dollars in savings costed them thousands. Your goal should be to buy enough coverage for the lowest cost while still protecting your assets.

You just read a lot of ways to lower your 2003 Ford Explorer Sport insurance rates. It’s most important to understand that the more providers you compare, the better your chances of lowering your car insurance rates. You may even discover the lowest rates come from a company that doesn’t do a lot of advertising. They can often provide lower car insurance rates in certain areas than the large multi-state companies such as State Farm, Geico and Nationwide.

Additional articles

• Insurance Losses by Make and Model (iihs.org)
• What Does No-Fault Insurance Cover? (Allstate)
• Safe Vehicles for Teens (iihs.org)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Tools for Teen Driving Safety (State Farm)

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