View 2008 Ford Explorer Car Insurance Quotes

Are you a victim of high-priced insurance? Trust us when we tell you many drivers have buyer’s remorse.

Due to the increasing number of options, it is very difficult to find the cheapest insurer.

It’s important to check insurance prices every six months because insurance prices are adjusted regularly by insurance companies. If you had the lowest rate for Explorer insurance six months ago other companies may now be cheaper. Forget all the misinformation about insurance because you’re going to learn one of the easiest ways to save money, get proper coverage and the best rates.

The quickest method to compare policy rates is to know the trick almost all companies allow for online access to compare rate quotes. The only thing you need to do is provide information like whether you are single or married, if you have an active license, your credit rating estimate, and how your vehicles are used. Your details gets sent immediately to multiple top-rated companies and you will receive price estimates almost instantly.

If you wish to get multiple quotes for your 2008 Ford Explorer now, click here and see if a lower rate is available.

Verify you’re receiving every discount

Companies don’t always advertise their entire list of discounts in an easy-to-find place, so the list below contains both the well known and also the lesser-known credits available to bring down your rates. If you are not receiving all the discounts available, you are not getting the best rate possible.

• Discounts for Multiple Vehicles – Having more than one vehicle with the same company can get a discount for every vehicle.
• Service Members Pay Less – Having an actively deployed family member can result in better prices.
• Low Mileage – Maintaining low annual mileage could earn better rates on cars that stay parked.
• No Accidents – Drivers who stay claim-free can earn big discounts when compared to drivers with a long claim history.
• Data Collection Discounts – Insureds that choose to allow data collection to scrutinize vehicle usage by using a small device installed in their vehicle such as State Farm’s In-Drive might get better premium rates as long as they are good drivers.
• Defensive Driver Discounts – Completing a safe driver course could earn you a small percentage discount and easily pay for the cost of the class.

As is typical with insurance, most discount credits are not given the the whole policy. A few only apply to the cost of specific coverages such as collision or personal injury protection. So even though it sounds like adding up those discounts means a free policy, companies don’t profit that way.

Auto insurance companies that have these benefits include:

• Farmers Insurance
• Esurance
• State Farm
• Geico
• Allstate

Check with every prospective company the best way to save money. Some discounts listed above might not be offered on policies in every state.

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When should I discuss my situation with an agent?

When it comes to buying coverage for your vehicles, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions can help discover whether or not you would benefit from professional advice.

• Does my liability insurance cover pulling a trailer or camper?
• Who is covered when they drive my 2008 Ford Explorer?
• Can I still get insurance after a DUI?
• How much liability do I need to cover my assets?
• What should my uninsured motorist coverage limits be in my state?
• Are my friends covered when driving my car?
• Does my 2008 Ford Explorer qualify for pleasure use?
• Is business property covered if stolen from my car?
• What is medical payments coverage?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Why you might pay lower rates

Smart consumers have a good feel for some of the elements that go into determining the price you pay for car insurance. If you understand what positively or negatively impacts your premiums, this allows you to make good choices that could result in lower premium levels. Multiple criteria are part of the calculation when premium rates are determined. Some are obvious like a motor vehicle report, but other factors are less apparent like where you live or your financial responsibility.

• Age of drivers – Drivers with little experience have been known to be inattentive and easily distracted when at the wheel of a vehicle so they pay higher car insurance rates. Older people have been proven to be more responsible, are lower risk to insure , and are generally more financially stable.
• Insurance claims cost money – If you frequently file small claims, you can definitely plan on either higher rates or even cancellation. Companies provide the lowest premiums to drivers that do not abuse their auto insurance. Auto insurance is designed for the bigger claims that can’t be paid out-of-pocket.
• Long commutes cost more – The more miles you rack up on your Ford in a year’s time the higher your rates will be. The majority of insurers apply a rate based on how the vehicle is used. Vehicles left parked in the garage get more affordable rates than those used for commuting. Ask your agent if your car insurance declarations sheet is showing the correct usage for each vehicle, because improper ratings can cost you money. Having an incorrect usage rating on your Explorer is throwing money out the window.
• Never allow your car insurance policy to lapse – Having a lapse in insurance coverage is a sure-fire way to increase your renewal premiums. Not only will rates go up, failure to provide proof of insurance could earn you fines and jail time. You could then be forced to file a SR-22 with your state department of motor vehicles.
• More policies can equal more savings – Most major insurers afford better rates to buyers that purchase more than one policy such as combining an auto and homeowners policy. The discount can be ten or even up to twenty percent in some cases. Even with this discount applied, it’s always a smart idea to compare rates to help guarantee you have the best rates. You may still find lower rates by buying insurance from more than one company.
• Know your credit score – An insured’s credit rating will be a significant factor in calculating your car insurance rates. So if your credit can use some improvement, you could pay less to insure your 2008 Ford Explorer by improving your rating. Consumers who have very good credit scores tend to be better risks to insure than drivers with lower credit ratings.

Car insurance specifics

Having a good grasp of a car insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Car insurance terms can be confusing and coverage can change by endorsement. Shown next are the usual coverages found on the average car insurance policy.

Insurance for medical payments

Med pay and PIP coverage reimburse you for immediate expenses like surgery, funeral costs, nursing services, rehabilitation expenses and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Liability coverages

Liability insurance protects you from damage that occurs to people or other property by causing an accident. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits 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 can pay for things such as pain and suffering, emergency aid, structural damage, funeral expenses and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Auto collision coverage

Collision coverage pays for damage to your Explorer caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like backing into a parked car, driving through your garage door, hitting a parking meter, sustaining damage from a pot hole and rolling your car. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

This covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as fire damage, damage from flooding and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and also any damage incurred to your Ford Explorer.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

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Coverage on a shoestring budget

The cheapest 2008 Ford Explorer insurance can be sourced both online in addition to local insurance agencies, and you should be comparing both so you have a total pricing picture. A few companies do not provide the ability to get quotes online and these small insurance companies provide coverage only through independent agents.

As you shop your coverage around, do not buy poor coverage just to save money. In too many instances, an insured dropped liability coverage limits and discovered at claim time that their decision to reduce coverage ended up costing them more. Your goal is to buy enough coverage at an affordable rate while not skimping on critical coverages.

Other information

• Distracted Driving (Insurance Information Insitute)
• Who Has the Cheapest Auto Insurance for a Ford Explorer in Sacramento? (InsureSacramento.com)
• Get the Right Protection (InsureUonline.org)
• How to Avoid Common Accidents (State Farm)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Choosing a Car for Your Teen (State Farm)

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