Cheaper 2004 Ford Explorer Insurance Rates

Are you overwhelmed by the dozens of insurance sources available to you? There are so many sources available that it can turn into hard work to locate the lowest insurance rates.

Ford Explorer insurance rate factors

Many things are considered when you get your auto insurance bill. Some of the criteria are obvious such as traffic violations, but other factors are more obscure such as your marital status or your commute time.

• Deter theft and pay less – Selecting a car model with advanced anti-theft systems can help lower your premiums. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent car theft and help bring rates down.
• Compare rates if you bundle your policies – Lots of companies apply better rates to insureds who have multiple policies with them such as combining an auto and homeowners policy. Even with this discount, consumers should still get quotes from other companies to verify if the discount is saving money.There is a chance you can find better rates even if you have your coverage with different companies
• Costs impacted by your city – Choosing to live in less populated areas of the country is a positive aspect when trying to find low car insurance rates. Fewer drivers means less chance of accidents in addition to fewer liability claims. Drivers in populated areas have to deal with much more traffic and longer commute times. Spending more time driving means higher likelihood of an accident.
• The more you drive the more you pay – Driving a lot of miles every year the more you’ll pay to insure it. Most insurance companies calculate rates based upon how much you drive. Vehicles used primarily for pleasure use can be on a lower rate level than cars that get driven a lot. Having an incorrect usage rating on your Explorer is just wasting money. Double check that your car insurance policy properly reflects the proper vehicle usage, because improper ratings can cost you money.
• Lower rates come with age – More experienced drivers have been proven to be more responsible, tend to cause fewer accidents .Beginning drivers are statistically shown to be less responsible when behind the wheel and because of this, their car insurance rates are much higher.
• Low physical damage deductibles can be expensive – Insurance for physical damage to your car, aka comp and collision, insures against damage to your Ford. Some examples of covered claims are collision with another vehicle, flood damage, and burglary. Physical damage deductibles state the amount of money you are willing to pay if a covered claim is submitted. The more expense the insured is willing to pay, the lower your rates will be on Explorer coverage.
• Lower premiums for vehicles with better crash test results – Vehicles with good safety scores tend to be cheaper to insure. These vehicles reduce occupant injuries and lower injury rates translates directly to fewer claims and cheaper rates on your policy. If your Ford Explorer scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.

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Discounts for affordable insurance coverage rates

Insurance can be prohibitively expensive, but there could be significant discounts that you may not know about. A few discounts will be applied at the time of purchase, but some must be manually applied in order for you to get them. If you’re not getting every credit you qualify for, you’re paying more than you need to.

• Claim-Free Discount – Insureds with no claims or accidents can earn big discounts compared to policyholders that have many claims.
• Clubs and Organizations – Being a member of specific professional or occupational memberships or organizations is a simple method to lower premiums on your bill.
• Paperless Signup – A few larger online companies will discount your bill up to fifty bucks for completing your application on the web.
• Pay Upfront and Save – By making one initial payment rather than spreading payments over time you can actually save on your bill.
• Discounts for Responsible Drivers – Drivers who don’t get into accidents can pay as much as 50% less on Explorer coverage as compared to drivers with claims.

Discounts lower rates, but most credits do not apply to the overall cost of the policy. Most only reduce individual premiums such as comprehensive or collision. Just because it seems like all the discounts add up to a free policy, companies wouldn’t make money that way.

If you would like to choose from a list of providers who offer free insurance coverage quotes, follow this link.

You may need specialized insurance coverage coverage

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s situation is unique.

For example, these questions can help discover if your situation will benefit from professional help.

• Should I get collision insurance on every vehicle?
• Do I need higher collision deductibles?
• Do I need to file an SR-22 for a DUI in my state?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Do I have coverage when using my vehicle for my home business?
• Does coverage extend to Mexico or Canada?
• Am I covered when using my vehicle for business?
• Why do I need rental car insurance?
• Does my personal policy cover me when driving out-of-state?
• Can my teen drive my company car?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, simply complete this short form.

Specific coverages for a 2004 Ford Explorer

Understanding the coverages of a auto insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Collision coverage

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like colliding with a tree, scraping a guard rail and driving through your garage door. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, a broken windshield, damage from flooding and hail damage. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Ford Explorer.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important. Frequently the UM/UIM limits are set the same as your liablity limits.

Medical payments coverage and PIP

Med pay and PIP coverage pay for short-term medical expenses for funeral costs, rehabilitation expenses, ambulance fees, doctor visits and X-ray expenses. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability insurance

This can cover damage or injury you incur to other’s property or people by causing an accident. It protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits 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. Some companies may use one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like structural damage, bail bonds, medical services, repair bills for other people’s vehicles and court costs. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

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More comparisons equals lower rates

Throughout this article, we presented many tips how you can lower your 2004 Ford Explorer insurance rates. The key concept to understand is the more providers you compare, the higher the chance of saving money. You may be surprised to find that the best rates are with a small mutual company.

When you buy insurance coverage online, do not buy lower coverage limits just to save a few bucks. In many instances, drivers have reduced liability coverage limits only to regret that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy the best coverage you can find for the lowest price, but don’t skip important coverages to save money.

The cheapest 2004 Ford Explorer insurance is possible online and from local insurance agents, so you need to quote insurance coverage with both so you have a total pricing picture. Some insurance companies do not provide online price quotes and most of the time these smaller providers only sell coverage through local independent agents.

To learn more, feel free to visit the following helpful articles:

• What is Covered by GAP Insurance? (Allstate)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Auto Crash Statistics (Insurance Information Insitute)
• Auto Insurance Learning Center (State Farm)
• What is a Telematics Device? (Allstate)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)

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