Save on 2017 Ford Explorer Insurance Rates

Searching for lower auto insurance rates for your Ford Explorer? Do you get overwhelmed by the number of auto insurance companies? There are such a vast assortment of companies available that it can really be a challenge to find better prices.

You should make it a habit to compare rates once or twice a year because insurance rates change frequently. Just because you found the best rate on Explorer coverage six months ago you will most likely find a better price today. There is a lot of wrong information about auto insurance out there, but by reading this article, you’re going to learn some guaranteed methods to quit paying high auto insurance rates.

The easiest way to get policy rate comparisons is to realize most of the larger companies allow for online access to give you rate quotes. To start a quote, the only thing you need to do is provide details such as how much you drive, how much education you have, if you have an active license, and whether you are single or married. That rating information gets sent immediately to multiple different insurance companies and they return quotes instantly.

To start a rate quote now, click here and complete the form.

Car insurance ads bend the truth

Car insurance providers like State Farm, Geico and Progressive continually stream ads on television and other media. All the ads make the point that you’ll save big if you move your coverage. Is it even possible that every company can give you a better price? It’s all in the words they use.

Car insurance companies have an ideal profile for the type of driver that earns them a profit. For instance, this type of risk profile could be over the age of 40, has a low-risk occupation, and drives a safe vehicle. Anybody who matches those parameters will get very good auto insurance rates and will probably save a lot of money.

Drivers who don’t measure up to those standards will probably be forced to pay a higher premium which results in the customer buying from a different company. If you listen to the ad wording, they say “people who switch” not “everyone that quotes” can save as much as they claim. That is how companies can make claims that they all have the best prices.

This really emphasizes why it’s extremely important to compare rate quotes every year. It’s just not possible to know which car insurance company will have better premium rates than you’re paying now.

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How insurance providers determine Ford Explorer insurance rates

An important part of buying insurance is that you know the different types of things that come into play when calculating your insurance rates. When you understand what determines premiums, this empowers consumers to make smart changes that may reward you with better insurance rates. Lots of things are used in the calculation when you get a price on insurance. Some factors are common sense like an MVR report, although others are less obvious like your vehicle usage or your commute time.

• How your age affects rates – Teenage drivers tend to be less responsible behind the wheel therefore insurance rates are much higher. If you’ve ever had to add a teen driver to your insurance policy can really hurt. Older, more experienced drivers are more responsible, statistically cause fewer accidents and tend to be get fewer driving tickets.
• Get better rates if married – Your spouse helps lower the price on your insurance bill. Having a spouse generally demonstrates drivers are more stable financially and it’s proven that married couples file fewer claims.
• Annual mileage impacts rates – Driving more miles every year the higher your rates will be. Many insurance companies calculate rates based upon how much you drive. Autos that do not get driven very much receive lower rates compared to those used for work or business. An improperly rated Explorer is just wasting money. It’s a good idea to make sure your declarations sheet is rated on the correct usage.
• Are you male or female? – Over time, data shows women tend to be less risk to insure than men. It does not mean women are better drivers. Females and males are in accidents in similar percentages, but the male of the species cause more damage. Not only are claims higher, but men get ticketed for serious violations like DWI (DUI) or reckless driving.
• Prices can change based on your address – Choosing to live in small towns and rural areas can be a good thing when talking about insurance. Fewer people means a lower chance of having an accident and a lower car theft rate. Drivers who live in large cities have to deal with more auto accidents and more severe claims. The longer drive time can result in more accidents.

Save a ton with discounts

Companies that sell car insurance do not advertise every disount available very well, so we took the time to find both well-publicized and also the lesser-known discounts that you can inquire about if you buy insurance coverage online.

• Braking Control Discount – Cars and trucks equipped with ABS or steering control have fewer accidents and the ABS can save up to 10%.
• Senior Citizen Rates – If you qualify as a senior citizen, you may qualify for a discount up to 10% on Explorer coverage.
• Include Life Insurance and Save – Not all insurance companies offer life insurance, but some may give you lower premium rates if you buy auto and life insurance together.
• Defensive Driving Course – Completing a driver safety course may get you a small discount if your company offers it.
• Safe Driver Discounts – Safe drivers can pay as much as 50% less on Explorer coverage than drivers with accidents.

Drivers should understand that most discount credits are not given to the entire cost. Some only apply to the price of certain insurance coverages like comp or med pay. So when the math indicates having all the discounts means you get insurance for free, you’re out of luck.

Popular car insurance companies and a summarized list of policyholder discounts are included below.

• Progressive has savings for homeowner, online quote discount, multi-vehicle, good student, multi-policy, online signing, and continuous coverage.
• AAA offers premium reductions for multi-car, education and occupation, good driver, AAA membership discount, good student, and anti-theft.
• Farmers Insurance offers discounts for multi-car, alternative fuel, switch companies, teen driver, homeowner, youthful driver, and electronic funds transfer.
• Geico may include discounts for defensive driver, anti-theft, driver training, military active duty, multi-policy, and anti-lock brakes.
• Esurance has discounts for homeowner, online shopper, emergency road assistance, anti-theft, and defensive driver.
• SAFECO discounts include drive less, teen safety rewards, homeowner, accident prevention training, teen safe driver, safe driver, and anti-theft.
• State Farm policyholders can earn discounts including good driver, multiple policy, good student, Drive Safe & Save, student away at school, and accident-free.

It’s a good idea to ask every company to apply every possible discount. Some discounts listed above may not be offered in your area. To find car insurance companies that offer discounts, follow this link.

What is the best insurance coverage coverage?

When buying the right insurance coverage, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that could help you determine if your insurance needs might need professional guidance.

• How much liability insurance is required?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Should I buy only the required minimum liability coverage?
• Can I afford low physical damage deductibles?
• Am I covered if I break a side mirror?
• Is motorclub coverage worth it?
• Are all vehicle passengers covered by medical payments 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, take a second and complete this form.

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Insurance coverage breakdown

Having a good grasp of insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring.

Liability car insurance – This protects you from damage or injury you incur to a person or their property in an accident. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability can pay for things such as medical services, legal defense fees, pain and suffering, loss of income and court costs. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

UM/UIM Coverage – This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Ford Explorer.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Most of the time these coverages do not exceed the liability coverage limits.

Medical costs insurance – Coverage for medical payments and/or PIP pay for bills for prosthetic devices, doctor visits and nursing services. The coverages can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like hitting a bird, theft and a broken windshield. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage – This coverage pays for damage to your Explorer resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as hitting a parking meter, hitting a mailbox and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

One last thing about your coverage

As you quote insurance coverage, it’s not a good idea to buy less coverage just to save a little money. In many instances, an accident victim reduced liability limits or collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your focus should be to purchase a proper amount of coverage at the best possible price, not the least amount of coverage.

Budget-friendly insurance is definitely available from both online companies as well as from insurance agents, and you need to price shop both to have the best selection. Some companies do not offer the ability to get quotes online and many times these small, regional companies only sell through independent agents.

We just covered a lot of ways to shop for 2017 Ford Explorer insurance online. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your prices. Consumers could even find that the lowest premium rates are with a small mutual company.

Additional detailed information is available in the articles below:

• Vehicle Insurance (Wikipedia)
• Who Has Affordable Auto Insurance Quotes for a Ford Explorer in San Diego? (SanDiegoCoverage.com)
• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• How to Avoid Common Accidents (State Farm)
• Red Light Cameras (State Farm)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)

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