2018 Ford Explorer Insurance Quotes – 9 Tips for Cheapest Rates

When searching for lower-cost insurance, are you baffled by the number of auto insurance choices available to you? Many other people are as well. There are so many choices that it can really be hard work to find better premium rates.

If you have car insurance now, you stand a good chance to be able to cut costs considerably using these techniques. Finding affordable insurance coverage is not that difficult. Nevertheless, drivers must comprehend how companies market insurance on the web and use this information to your advantage.

Find hidden discounts on insurance coverage

Insurance coverage is not cheap nor is it fun to buy but you can get discounts that can drop the cost substantially. Most are applied when you complete an application, but a few need to be specifically requested prior to receiving the credit.

• Anti-lock Brake System – Anti-lock brake equipped vehicles can stop better under adverse conditions and qualify for as much as a 10% discount.
• Resident Student – College-age children who live away from home to go to college and don’t have a car may be able to be covered for less.
• No Claims – Claim-free drivers pay less when compared to insureds who have frequent claims or accidents.
• Switch and Save Discount – Some insurance companies reward drivers for switching to them early. Ten percent is about the average savings.
• Safety Restraint Discount – Drivers who require all vehicle occupants to fasten their seat belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
• E-sign – A handful of insurance coverage companies will provide an incentive simply for signing on their website.
• Multiple Cars – Buying a policy with more than one vehicle with the same insurance coverage company may reduce the rate for each vehicle.
• Low Miles Discount – Fewer annual miles on your Ford can earn lower insurance coveragerates due to less chance of an accident.
• Government Employee Discount – Having worked for a branch of the government can earn a discount up to 10% for Explorer insurance with some insurance coverage companies.

Keep in mind that many deductions do not apply to the entire policy premium. Most only apply to individual premiums such as collision or personal injury protection. So when the math indicates you would end up receiving a 100% discount, you’re out of luck.

Large insurance coverage companies and a partial list of their discounts can be read below.

• Geico offers discounts including driver training, five-year accident-free, air bags, good student, and multi-vehicle.
• USAA policyholders can earn discounts including family discount, annual mileage, military installation, multi-vehicle, and driver training.
• Progressive includes discounts for online signing, online quote discount, homeowner, multi-vehicle, and good student.
• American Family may offer discounts for early bird, good driver, good student, bundled insurance, and TimeAway discount.
• Esurance offers premium reductions for good driver, homeowner, renters, good student, DriveSense, Switch & Save, and multi-policy.
• Farmers Insurance has discounts for switch companies, distant student, multi-car, early shopping, business and professional, and bundle discounts.
• State Farm may include discounts for multiple policy, safe vehicle, passive restraint, accident-free, driver’s education, Steer Clear safe driver discount, and Drive Safe & Save.

Before purchasing a policy, check with all the companies which discounts you may be entitled to. Some credits may not apply in your area. If you would like to choose from a list of companies that offer many of these discounts, click here.

Tailor your car insurance coverage to you

When buying the best car insurance coverage for your personal vehicles, there is no best way to insure your cars. Every situation is different.

For example, these questions might help in determining whether you will benefit from professional help.

• Why am I be forced to buy a membership to get insurance from some companies?
• Do I need replacement cost coverage on my 2018 Ford Explorer?
• Can my teen driver be rated on a liability-only vehicle?
• Is my business laptop covered if it gets stolen from my vehicle?
• What discounts do I qualify for?
• Should I file a claim if it’s only slightly more than my deductible?
• Am I covered if I drive in a foreign country?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form.

Auto insurance coverages explained

Having a good grasp of a auto insurance policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and damage to your 2018 Ford Explorer.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Liability car insurance

Liability insurance can cover damage that occurs to other’s property or people in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things such as pain and suffering, attorney fees, court costs and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Comprehensive coverage (or Other than Collision)

This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hail damage, damage from getting keyed, hitting a deer and hitting a bird. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Insurance for medical payments

Med pay and PIP coverage pay for immediate expenses for things like EMT expenses, surgery, dental work and funeral costs. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Collision coverage protection

Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as crashing into a building, colliding with a tree, damaging your car on a curb and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Better coverage you can count on

The cheapest 2018 Ford Explorer insurance can be sourced from both online companies and from local insurance agents, and you should be comparing both in order to have the best chance of saving money. Some insurance companies may not offer price quotes online and many times these regional carriers prefer to sell through independent agents.

We just showed you a lot of tips how to save on 2018 Ford Explorer insurance. The key thing to remember is the more you quote insurance coverage, the better your comparison will be. You may even find the lowest rates are with a small mutual company.

When searching for cheaper insurance coverage quotes, it’s a bad idea to reduce coverage to reduce premium. There are too many instances where someone dropped collision coverage to discover at claim time that the savings was not a smart move. Your aim should be to buy the best coverage you can find for the lowest price and still be able to protect your assets.

Additional detailed information can be found by following these links:

• Coverage Information (Progressive Insurance)
• Cellphones, Texting and Driving (iihs.org)
• Distracted Driving Extends Beyond Texting (State Farm)
• Driving in Bad Weather (Insurance Information Insitute)
• Auto Insurance 101 (About.com)
• How to Avoid Staged Accidents (State Farm)