View 1993 Ford Explorer Insurance Cost

Want lower car insurance rates for your Ford Explorer? Did you fall for a flashy sales pitch and buy high-priced car insurance? Trust us, there are many people just like you.

There are many insurance companies to insure vehicles with, and even though it’s nice to be able to choose, too many choices makes it more difficult to find the best rates.

Save big with these discounts

Insuring your fleet can be pricey, but companies offer discounts to help offset the cost. A few discounts will automatically apply at the time of quoting, but some may not be applied and must be requested specifically before you get the savings.

  • Early Switch Discount – Some insurance companies reward drivers for signing up prior to your current policy expiration. It’s a savings of about 10%.
  • Driver Safety – Taking a course teaching defensive driving skills can save you 5% or more depending on where you live.
  • Auto/Home Discount – When you combine your home and auto insurance with one company you may save 10% to 20% off each policy.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% off your PIP or medical payments premium.
  • Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and will save you 10% or more.

Keep in mind that most of the big mark downs will not be given to your bottom line cost. Most only reduce the price of certain insurance coverages like comp or med pay. Even though it may seem like all those discounts means the company will pay you, insurance coverage companies aren’t that generous. But all discounts will cut the cost of coverage.

For a list of providers offering insurance coverage discounts, click this link.

The easiest way to get rate comparisons is to take advantage of the fact almost all companies allow for online access to give rate comparisons. To start a quote, the only thing you need to do is give them rating details like how old drivers are, deductibles desired, if you lease or own, and what your job is. Your insurance information is instantly provided to insurance carriers in your area and you will get price comparisons immediately.

To compare multiple company rates now, click here and find out if lower rates are available.

Elements that influence Ford Explorer insurance rates

An important part of buying insurance is that you know the different types of things that help determine your car insurance rates. Knowing what controls the rates you pay allows you to make educated decisions that could result in big savings.

  • Don’t cancel a policy without a new one in place – Driving without insurance is against the law and car insurance companies will penalize you for letting your insurance lapse. Not only will rates go up, getting caught without coverage will get you a license revocation or jail time.You may need to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
  • Where you live can impact rates – Being located in a small town can save you money when insuring your vehicles. Drivers who live in large cities have to deal with traffic congestion and much longer commute distances. Less people living in that area means a lower chance of having an accident.
  • Clean credit earns discounts – Your credit history is a huge factor in your rate calculation. So if your credit score is not that good, you could pay less to insure your 1993 Ford Explorer by repairing your credit. Drivers who have high credit ratings tend to be better drivers and file fewer claims as compared to drivers with lower credit scores.
  • Do you work long hours in a high stress job? – Occupations such as judges, social workers and dentists are shown to have the highest average rates attributed to stressful work requirements and lengthy work days. Other occupations such as actors, historians and the unemployed pay the least on Explorer insurance.
  • Choose a safe vehicle and save – Vehicles with high crash test scores can get you lower premiums. Safer cars have better occupant injury protection and fewer injuries translates into fewer and smaller insurance claims and lower rates for you. If your Ford earned at least four stars on Safercar.gov you may qualify for a discount.
  • Careful drivers pay lower rates – Good drivers tend to pay less for car insurance than bad drivers. Just one moving violation can increase rates twenty percent or more. Drivers with serious tickets like DWI, reckless driving or hit and run convictions are required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.
  • Do you have enough liability coverage? – Liability coverage is the coverage that protects you when you are found to be at fault for damages caused by your negligence. Liability insurance provides for a legal defense starting from day one. Liability insurance is quite affordable when compared with rates for comp and collision, so buy as much as you can afford.
  • Do you need the policy add-ons? – There are many add-on coverages that you can buy when buying car insurance. Insurance for personal injury protection, towing coverage and term life insurance may be wasting your money. They may seem like a good idea when you first buy your policy, but if they’re wasting money eliminate the coverages to reduce your premium.

But I don’t know anything about car insurance

When choosing the right insurance coverage, there is no one size fits all plan. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining if your insurance needs would benefit from an agent’s advice.

  • Is my Ford Explorer covered if I use it for business?
  • Does my liability insurance cover pulling a trailer or camper?
  • Where can I get insurance after a DUI in my state?
  • Can I rent a car in Mexico?
  • Should I have combined single limit or split liability limits?
  • Why does it cost so much to insure a teen driver?
  • Is a new car covered when I drive it off the dealer lot?
  • Is my ex-spouse still covered by my policy?
  • Is there coverage for injuries to my pets?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Auto insurance specifics

Understanding the coverages of your policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are the normal coverages found on the average auto insurance policy.

Comprehensive insurance – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like hitting a bird, vandalism and a broken windshield. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage kick in for expenses for things like ambulance fees, EMT expenses and nursing services. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Explorer.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Usually these limits do not exceed the liability coverage limits.

Coverage for liability – Liability insurance will cover damages or injuries you inflict on a person or their property. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Some companies may use one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability can pay for things such as pain and suffering, attorney fees, medical services, repair bills for other people’s vehicles and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Collision coverages – Collision coverage pays for damage to your Explorer from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like damaging your car on a curb, colliding with a tree, scraping a guard rail, driving through your garage door and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Make an honest buck

When buying insurance coverage, it’s very important that you do not buy less coverage just to save a little money. There are too many instances where someone sacrificed liability coverage limits to discover at claim time that they should have had better coverage. Your aim should be to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.

We’ve covered some good ideas how you can lower your 1993 Ford Explorer insurance rates. It’s most important to understand that the more price quotes you have, the higher your chance of finding lower rates. You may be surprised to find that the most savings is with an unexpected company. Smaller companies can often insure niche markets at a lower cost than the large multi-state companies such as Progressive or GEICO.

Additional information is available at the links below