Compare 2013 Ford Explorer Insurance Cost

Trying to find lower insurance coverage rates for your Ford Explorer? Did you come to the realization that you have an overpriced insurance coverage policy? Believe me, there are many people just like you. Popular companies such as State Farm, Geico and Farmers Insurance continually bombard you with ad campaigns and it is challenging if not impossible to ignore the propoganda and find the best price available.

Lower your car insurance rates with discounts

Companies don’t always advertise every discount very well, so the list below contains a few of the more common as well as some of the hidden car insurance savings.

• Federal Government Employee – Employees or retirees of the government may reduce rates when you quote insurance coverage for Explorer coverage with a few car insurance companies.
• Senior Citizen Rates – Drivers that qualify as senior citizens could receive better car insurance rates for Explorer coverage.
• Telematics Data Discounts – People who choose to allow data collection to track driving patterns by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates as long as they are good drivers.
• Paper-free Discount – Many car insurance companies will provide an incentive get insurance coverage on the web.
• Discounts for Seat Belt Usage – Forcing all vehicle occupants to buckle up could save 15% on the premium charged for medical payments and/or PIP.
• ABS Braking Discount – Cars, trucks, and SUVs that have anti-lock braking systems can stop better under adverse conditions and will save you 10% or more.
• Home Ownership Discount – Owning your own home or condo can earn you a little savings because it is proof that your finances are in order.
• Air Bags and Passive Restraints – Factory air bags or motorized seat belts can get savings of 20% or more.

As is typical with insurance, many deductions do not apply the the whole policy. Most only apply to the price of certain insurance coverages like comp or med pay. Even though it may seem like it’s possible to get free car insurance, nobody gets a free ride.

Some of the insurance companies that may include some of the discounts shown above possibly include:

• 21st Century
• State Farm
• AAA
• Liberty Mutual
• Progressive

Before you buy a policy, ask each company which discounts you may be entitled to. Some credits may not apply everywhere. To view insurance companies who offer free car insurance quotes, follow this link.

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Components of your Ford Explorer insurance costs

Lots of things are used when you get your auto insurance bill. Some are pretty understandable like your driving record, but some are more transparent such as whether you are married or your financial responsibility.

• Cheaper rates by consolidating – Some companies will award better rates to buyers who carry more than one policy. It’s known as a multi-policy discount. Even with this discount applied, you may still want to compare other insurance prices to help ensure you have the lowest rates.
• Men pay more for insurance – Over the last 50 years, statistics have shown that females tend to be a little less risky than males. Now that doesn’t mean men are WORSE drivers than women. Both genders have at-fault accidents in similar percentages, but males tend to have more serious accidents. Not only are claims higher, but men get ticketed for serious violations like DWI (DUI) or reckless driving. Youthful male drivers are several times more likely to be in an accident and therefore have the most expensive insurance rates.
• Rural areas have lower rates – Choosing to live in less populated areas of the country is a good thing when talking about insurance. Drivers in populated areas have to deal with more traffic problems and a longer drive to work. Fewer drivers and short commutes means reduced accidents in addition to fewer liability claims.
• Reserve policy claims for larger damages – If you’re an insured who likes to file claims you can expect increased rates or even have your policy non-renewed. Insurance companies generally give the lowest premiums to drivers who are not frequent claim filers. Insurance coverage is intended to be relied upon for larger claims.

You are unique and your car insurance should be too

When it comes to choosing coverage, there really is not a perfect coverage plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining if your insurance needs might need an agent’s assistance.

• Is my nanny covered when driving my vehicle?
• Does liability extend to a camper or trailer?
• Do I have any recourse if my insurance company denies a claim?
• Should I have combined single limit or split liability limits?
• Does my 2013 Ford Explorer qualify for pleasure use?
• Can I still get insurance after a DUI?
• Does car insurance cover theft of personal property?

If it’s difficult to answer those 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. It’s fast, free and you can get the answers you need.

Insurance coverage companies are expert advertisers

Consumers can’t get away from all the ads that promise big savings for switching from companies such as Allstate and Progressive. All the ads seem to make the promise that people will save if you move to their company.

How does every insurance coverage company make almost identical claims? It’s all in the words they use.

Many companies have specific criteria for the type of driver that will be a good risk. For example, this type of driver should be a mature driver, has no claims, and chooses high deductibles. A customer that hits that “sweet spot” will probably get cheap rates and have a good chance to save when switching.

Potential insureds who don’t meet this ideal profile may be forced to pay a higher rate which usually ends up with the customer buying from a different company. Company advertisements say “drivers who switch” but not “all drivers who get quotes” will save that much if they switch. That is how companies can make those claims. Because each company has a different risk profile, drivers should do a quote comparison often. It’s just too difficult to predict which insurance companies will fit you best based on your risk profile.

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Car insurance coverage specifics

Having a good grasp of car insurance can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring. These are the normal coverages offered by car insurance companies.

Collision insurance

Collision coverage will pay to fix damage to your Explorer resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like damaging your car on a curb, colliding with a tree, crashing into a building and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Auto liability insurance

This coverage will cover damage that occurs to a person or their property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things such as funeral expenses, bail bonds, court costs, medical services and structural damage. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like vandalism, damage from getting keyed, fire damage and hitting a deer. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Medical expense coverage

Med pay and PIP coverage kick in for bills for funeral costs, surgery, ambulance fees, rehabilitation expenses and pain medications. They are utilized in addition to your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

The bottom line

In this article, we covered some good ideas how to reduce 2013 Ford Explorer insurance rates online. The key concept to understand is the more quotes you get, the better chance you’ll have of finding the cheapest insurance coverage. Consumers may even find the lowest rates come from a small mutual company. These smaller insurers may have significantly lower car insurance rates on certain market segments as compared to the big name companies such as State Farm and Allstate.

When searching for low cost insurance coverage quotes, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced liability limits or collision coverage only to regret that it was a big mistake. Your aim should be to get the best coverage possible at a price you can afford, not the least amount of coverage.

Other articles

• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• Vehicle Safety Ratings (iihs.org)
• Property Damage Coverage (Liberty Mutual)
• All About Airbag Safety (State Farm)
• Understanding Limits and Deductibles (Allstate)

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