Lower Your 2006 Ford Explorer Insurance Quotes

Pretty sure you bought an overpriced car insurance policy? You’re in good company because you’re not alone.

Insurance companies such as State Farm, Farmers Insurance, Geico and Allstate continually bombard you with advertising and consumers find it hard to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.

It’s important to check car insurance prices every six months due to the fact that insurance prices are variable and change quite frequently. Just because you had the best deal on Explorer coverage a few years ago there is a good chance you can find better rates now. You can find a lot of information about car insurance out there, but in just a couple of minutes you can learn some solid techniques on how to find affordable car insurance.

If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using this strategy. Finding the best rates is not that difficult. Nevertheless, vehicle owners can benefit by having an understanding of how the larger insurance companies price insurance differently and take advantage of how the system works.

How to get free insurance quotes online

When shopping for cheaper car insurance quotes, there are a couple of ways to compare prices from lots of insurance companies. The quickest method to find the lowest 2006 Ford Explorer rates is to get quotes online. It’s really quite simple and can be done in several different ways.

1. The recommended way to get quotes would be an industry-wide quote request form click to view form in new window. This type of form prevents you from having to do boring form submissions for every prospective company. Taking the time to complete one form gets you price quotes from insurance companies with the best prices.
2. A more difficult way to shop for insurance online consists of visiting each individual company website and fill out their own quote form. For examples sake, we’ll assume you need rates from State Farm, Safeco and GMAC. You would have to spend time on each company’s site and enter your information, and that explains why we recommend the first method.

   For a list of links to insurance companies in your area, click here.

3. The final method to get comparison rates is physically going to all the different insurance agencies. Quoting and buying insurance online makes this unnecessary unless you want the trained guidance of a local agent. Some companies do allow you to find lower rates online but buy from a local insurance agent.

The approach you take is up to you, just make darn sure you compare nearly identical information on every price quote you get. If your comparisons have different limits and deductibles on each one it’s impossible to make a fair rate comparison. Even a minor difference in limits can result in a big premium difference. And when quoting insurance, remember that comparing a large number of companies increases your odds of finding the best rates. Some smaller insurers to not give price estimates online, so it’s important to compare prices on coverage from those companies, too.

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Insurance Coverage Discounts

Insuring your fleet can be pricey, but you might be missing out on some discounts to cut the cost considerably. A few discounts will be applied when you get a quote, but a few must be specifically requested before they will apply. If you’re not getting every credit you deserve, you’re just leaving money on the table.

• Anti-theft System – Vehicles with anti-theft systems can help prevent theft and earn discounts up to 10% off your car insurance quote.
• Own a Home and Save – Just being a homeowner can save you money since owning and maintaining a home requires personal responsibility.
• Club Memberships – Belonging to qualifying employment or professional organizations could trigger savings on your next insurance coverage statement.
• Resident Student – Any of your kids who are enrolled in higher education away from home and do not take a car to college may qualify for this discount.
• First Accident Forgiveness – Not a discount per se, but a handful of insurance companies allow you one accident before raising your premiums as long as you don’t have any claims prior to the accident.
• Paperless Signup – Many insurance companies will give you a small discount shop car insurance online.
• Drivers Education – Have your child participate in a local driver’s education class if it’s offered in school.
• New Car Discount – Buying coverage on a new vehicle can cost up to 25% less because new vehicles are generally safer.

As is typical with insurance, most of the big mark downs will not be given to the entire policy premium. Most cut individual premiums such as medical payments or collision. Even though the math looks like it’s possible to get free car insurance, it’s just not the way it works.

To see insurance companies with discount insurance coverage rates, click this link.

Tailor your insurance coverage coverage to you

When it comes to buying adequate coverage for your vehicles, there really is not a “best” method to buy coverage. Each situation is unique so your insurance should reflect that These are some specific questions might help in determining whether your personal situation may require specific advice.

• Why am I required to get a high-risk car insurance policy?
• At what point should I drop full coverage?
• How do I insure my teen driver?
• Am I covered when driving someone else’s vehicle?
• What is UM/UIM insurance?
• Will filing a claim cost me more?
• When should I remove comp and collision on my 2006 Ford Explorer?
• What are the best liability limits?
• Where can I find high-risk insurance?
• Who is covered by my policy?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Find Ford Explorer insurance more affordably

The best way to find cheaper auto insurance is to take a look at the factors that are used to determine your auto insurance rates. If you have some idea of what impacts premium levels, this empowers consumers to make smart changes that will entitle you to lower premium levels.

Listed below are some of the items auto insurance companies consider when setting your premiums.

• Good drivers pay better rates – Having a clean driving record has a lot to do with how much you pay for insurance. Careful drivers tend to pay less for car insurance compared to bad drivers. Getting just one moving violation could increase your next policy renewal twenty percent or more. People who have severe tickets such as hit and run, DWI or reckless driving convictions might be required by their state to prove financial responsibility with their state DMV in order to drive a vehicle legally.
• Prices can be impacted by your employer – Occupational choices like military generals, social workers and accountants tend to pay higher rates than the rest of us due to high stress levels and lots of time spent away from family. On the flip side, occupations like actors, athletes and performers have lower than average premiums on Explorer coverage.
• Buy as much liability insurance as you can afford – Your policy’s liability coverage will provide protection when you are determined to be liable for causing damage or personal injury in an accident. Liability insurance provides for a legal defense up to the limits shown on your policy. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so buy as much as you can afford.
• Get better rates if married – Having a significant other helps lower the price compared to being single. Marriage is viewed as being more stable financially and statistics show being married results in fewer claims.
• The more you drive the more you pay – The higher the miles on your Ford each year the higher your rates will be. Most insurance companies rate vehicles based upon how you use the vehicle. Autos not used for work or commuting receive lower rates than those that get driven frequently. An improperly rated Explorer may be costing you higher rates. It’s a smart idea to ensure your declarations sheet correctly shows the correct usage.
• Age of drivers impacts prices – Youthful drivers have been known to be more careless when driving with friends so they pay higher auto insurance rates. Having to add a teenage driver onto your auto insurance can really hurt. Mature drivers are proven to be safer behind the wheel, tend to cause fewer accidents and get fewer tickets.
• Where you live – Living in areas with lower population can be a good thing when trying to find low car insurance rates. Lower population translates into fewer accident claims and lower theft and vandalism rates. City drivers regularly have more aggressive driving styles and more time behind the wheel. The longer drive time can result in more accidents.

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Ads can be misleading

Well-known car insurance companies like State Farm and Allstate consistently run ads on television and other media. They all have a common claim about saving some big amount after switching to their company. How does every company charge less that you’re paying now? You have to listen carefully.

Different companies quote the lowest rates for the type of driver that earns them a profit. For example, this type of driver may need to be a mature driver, has other policies, and does not commute to work. A driver who fits that profile will most likely get cheap premium rates as well as save some money.

Potential customers who don’t meet these criteria must pay higher rates and this can result in the prospect going elsewhere. Company advertisements say “customers who switch” but not “all drivers who get quotes” save that much. That’s the way insurance companies can confidently lure you into getting a quote. This really illustrates why you really need to get car insurance quotes as often as possible. It is impossible to guess which car insurance company will give you lower prices than your current company.

Car insurance coverage information

Having a good grasp of your insurance policy can be of help when determining the right coverages for your vehicles. Insurance terms can be difficult to understand and reading a policy is terribly boring. Below you’ll find the usual coverages offered by insurance companies.

Comprehensive insurance – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from a tornado or hurricane, a broken windshield, damage from flooding, damage from getting keyed and vandalism. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your 2006 Ford Explorer.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision coverage – Collision insurance pays to fix your vehicle from damage caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like sustaining damage from a pot hole, hitting a parking meter and backing into a parked car. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance kick in for bills such as nursing services, dental work, rehabilitation expenses and hospital visits. They can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Auto liability – Liability coverage protects you from injuries or damage you cause to a person or their property. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims like medical services, repair bills for other people’s vehicles and legal defense fees. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

The bottom line

Affordable 2006 Ford Explorer insurance is possible both online and from local agencies, and you need to price shop both to have the best rate selection. Some insurance providers may not provide online quoting and usually these regional carriers only sell through independent agents.

When you buy car insurance online, never skimp on coverage in order to save money. There are too many instances where someone dropped collision coverage and found out when filing a claim that it was a big error on their part. The goal is to purchase plenty of coverage for the lowest price but still have enough coverage for asset protection.

In this article, we covered many ideas to shop for 2006 Ford Explorer insurance online. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding low cost car insurance. You may be surprised to find that the best premium rates are with a company that doesn’t do a lot of advertising. Some small companies may often insure only within specific states and give getter rates compared to the large companies like Geico and State Farm.

Helpful resources

• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Vehicle Size and Weight FAQ (iihs.org)
• Choosing an Insurance Company (Insurance Information Insitute)
• Senior Drivers (Insurance Information Insitute)
• Credit Impacts Car Insurance Rates (State Farm)
• Crash Avoidance Technologies FAQ (iihs.org)

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