Compare 1999 Ford Explorer Insurance Quotes

Want the cheapest insurance rates for your Ford Explorer? Finding cheaper Driversinsurance is always challenging for beginners to buying insurance online. There are so many options that it can easily become a real hassle to find the best prices.

You need to get comparison quotes every six months due to the fact that insurance rates go up and down regularly. Just because you found the lowest rate on Explorer insurance a few years ago the chances are good that you can find a lower price today. You’ll find quite a bit of inaccurate information about insurance out there, but I’m going to show you the easiest ways to stop overpaying for insurance.

If you currently have car insurance, you should be able to lower your premiums substantially using these methods. Pricing affordable coverage is not that difficult. But consumers can benefit by having an understanding of the way insurance companies sell online.

How to lower your insurance premiums

An important part of buying insurance is that you know the rating factors that help determine insurance rates. If you have a feel for what controls the rates you pay, this helps enable you to make changes that could result in much lower annual insurance costs. Many different elements are considered when you get your auto insurance bill. Some of the criteria are obvious like your driving record, but other criteria are less apparent such as your credit history and annual miles driven.

• Comp and collision deductibles are a factor – Deductibles for physical damage tell how much you are required to spend if a covered claim is submitted. Insurance for physical damage, also called comprehensive and collision insurance, protects your car from damage. Some instances where coverage would apply could be a windshield broken by a bird, hail damage, and having a roll-over accident. The more of the claim you have to pay, the less money you will pay for insurance on Explorer insurance.
• Lower prices with no policy lapses – Driving without insurance coverage in place is illegal and any future policy may cost more because you let your insurance lapse. Not only will rates go up, failure to provide proof of insurance might get you a steep fine or even jail time.
• Women tend to be lower risk – Statistics demonstrate women are more cautious behind the wheel. This data doesn’t prove that women are BETTER drivers than men. Males and females cause accidents at a similar rate, but males cause more damage. Men also tend to get cited for more serious violations like reckless driving and DUI. Young males are the most expensive to insure and therefore are the most expensive to insure.
• Traffic violations hurt – A bad driving record has a big impact on rates. Good drivers get better rates than bad drivers. Even a single moving violation can boost insurance rates by as much as twenty percent. Drivers who get flagrant citations like DUI or willful reckless driving are required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to legally drive a vehicle.
• More people means more accidents – Choosing to live in less populated areas may provide you with better prices when trying to find low car insurance rates. Less people living in that area corresponds to lower accident rates in addition to fewer liability claims. People who live in big cities have to deal with much more traffic and much longer commute distances. Longer commute distances means more chance of being in an accident.
• When should you not file a insurance claims? – Insurance companies award most affordable rates to people who do not rely on their insurance for small claims. If you frequently file small claims, you can look forward to increased rates or even have your policy non-renewed. Insurance coverage is intended to be relied upon for the large, substantial claims.
• Vehicles with better crash test results lower insurance rates – Cars with high safety ratings tend to have lower insurance rates. Highly rated vehicles reduce occupant injuries and fewer serious injuries means your insurance company pays less and more competitive rates for policyholders.
• Discounts for alarms and GPS tracking – Choosing a vehicle with a theft deterrent system can help bring down rates. Advanced theft deterrents like GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop car theft.

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Get lower rates with these auto insurance discounts

Some providers don’t list all their discounts very clearly, so the list below gives a summary of some of the more common and also the more inconspicuous credits available to you.

• Life Insurance Discount – Select companies reward you with a small discount if you purchase some life insurance in addition to your auto policy.
• Active Service Discounts – Having a family member in the military could qualify you for better rates.
• Discounts for Safe Drivers – Drivers who don’t get into accidents can save up to 40% or more on their insurance quote on Explorer insurance than less cautious drivers.
• Switch and Save Discount – A few auto insurance companies give discounts for buying a policy before your current policy expires. It’s a savings of about 10%.
• Buy New and Save – Insuring a vehicle that is new may earn a small discount because newer models have to meet stringent safety requirements.
• No Charge for an Accident – This one isn’t a discount, but certain companies will allow you to have one accident without raising rates if your claims history is clear before the accident.
• Fewer Miles Equal More Savings – Driving fewer miles could be rewarded with discounted auto insurancerates on garaged vehicles.

As a sidenote, most discounts do not apply to the entire policy premium. The majority will only reduce specific coverage prices like comprehensive or collision. So even though they make it sound like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

To locate auto insurance companies that have a full spectrum of discounts, click this link.

Auto insurance myths debunked

Auto insurance companies such as State Farm, Allstate and Geico endlessly run ads on TV and radio. All the companies say the same thing that people will save just by switching your coverage. That’s great but how can every company save you money? This is the way they can do it.

Auto insurance companies provide the lowest rates for the driver that earns them the most money. For example, a desirable insured might be a married female, has a clear driving record, and drives a vehicle with a low ISO rating. Any person that meets those criteria will qualify for the lowest premium rates and will most likely save a lot of money.

Consumers who fall outside this stringent profile will be charged a higher premium which translates to the customer buying from a different company. Company advertisements say “drivers that switch” not “everybody who quotes” will save that much if they switch. That is how companies can advertise the way they do. This emphasizes why you should get as many free insurance quotes as possible. Because without a comparison, you cannot know which auto insurance company will fit your personal profile best.

Auto insurance can get complicated

When it comes to buying adequate coverage, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

For instance, these questions may help highlight whether or not you will benefit from professional help.

• Does my car insurance cover rental cars?
• How high should my medical payments coverage be?
• Do I need rental car coverage?
• Am I covered when driving someone else’s vehicle?
• How do I buy GAP insurance?
• What are the financial responsibility laws in my state?
• What should my uninsured motorist coverage limits be in my state?
• How much liability insurance is required?

If you’re not sure about those questions, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form.

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Car insurance coverage information

Learning about specific coverages of a car insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Liability insurance – This will cover damages or injuries you inflict on other people or property. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability can pay for claims like court costs, structural damage, emergency aid, legal defense fees and loss of income. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like surgery, dental work, doctor visits and pain medications. They are often used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Collision coverage – Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like rolling your car, hitting a parking meter, colliding with another moving vehicle, colliding with a tree and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Ford Explorer.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive auto coverage – Comprehensive insurance pays to fix your vehicle from 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 like hitting a deer, vandalism, a broken windshield and theft. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

The bottom line

As you quote insurance, don’t be tempted to buy less coverage just to save a little money. There are many occasions where an insured cut uninsured motorist or liability limits only to regret they didn’t purchase enough coverage. Your strategy should be to buy a smart amount of coverage at the best possible price, but do not sacrifice coverage to save money.

Insureds switch companies for a number of reasons such as being labeled a high risk driver, policy cancellation, high prices or even extreme rates for teen drivers. Regardless of your reason, finding the right car insurance provider is easier than you think.

We’ve covered quite a bit of information on how to reduce 1999 Ford Explorer insurance prices online. The most important thing to understand is the more price quotes you have, the better your comparison will be. You may even find the best prices are with the least-expected company.

Even more information can be found in these articles:

• Credit and Insurance Scores (Insurance Information Insitute)
• Crash Avoidance Technologies FAQ (iihs.org)
• Information for Teen Drivers (Geico)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Comprehensive Coverage (Liberty Mutual)

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