Are you overwhelmed by the dozens of car insurance company choices? Many other consumers are too. There are so many options that it can be a big hassle to find the lowest price.
Finding the best rates is not that difficult. Basically, everyone who is required by state law to have car insurance should be able to save money. Nevertheless, car owners need to learn the way insurance companies price online insurance because it can help you find the best coverage.
There are several ways to compare quotes from insurance companies in your area. One of the best ways to find the lowest 1997 Ford Explorer rates consists of obtaining rate quotes online. This can be accomplished in a couple of different ways.
For a handy list of car insurance company links in your area, click here.
Whichever way you use, make sure you use apples-to-apples coverages for every company. If the quotes have different limits and deductibles on each one it will be next to impossible to decipher which rate is best. Having just a slight variation in insurance coverages may result in a large different in cost. And when quoting insurance, remember that quoting more gives you a better chance of getting the best rates.
Companies don’t always publicize all available discounts very well, so we researched both well-publicized and the harder-to-find auto insurance savings.
Drivers should understand that most of the big mark downs will not be given to all coverage premiums. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Just because you may think it’s possible to get free car insurance, companies don’t profit that way.
For a list of companies with discount auto insurance rates, follow this link.
Smart consumers have a good feel for the factors that come into play when calculating the price you pay for insurance. When you know what positively or negatively impacts premium levels allows you to make educated decisions that will entitle you to big savings.
When choosing the right insurance coverage, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs.
Here are some questions about coverages that might point out if your situation may require specific advice.
If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, take a second and complete this form.
GEICO, State Farm and Progressive constantly bombard you with ads on television and other media. All the companies make the same claim about savings if you switch to them. But how can every company make the same claim? It’s all in the numbers.
Insurance companies have a preferred profile for the right customer that is profitable for them. For example, a desirable insured might be profiled as between 30 and 50, has no prior claims, and drives less than 7,500 miles a year. A propective insured that hits that “sweet spot” gets the lowest rates and therefore will pay quite a bit less when switching companies.
Potential customers who do not match this ideal profile will be quoted more money and this can result in the driver buying from a lower-cost company. The ad wording is “people who switch” not “people who quote” save money. This is how companies can truthfully claim big savings. This emphasizes why you need to quote coverage with many companies. It’s impossible to know which company will fit your personal profile best.
Having a good grasp of your insurance policy aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.
Auto liability – Liability coverage will cover damages or injuries you inflict on other people or property in an accident. It protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.
Liability insurance covers things such as bail bonds, legal defense fees, medical expenses and structural damage. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.
Collision – Collision insurance pays for damage to your Explorer resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things such as hitting a mailbox, sideswiping another vehicle, hitting a parking meter and crashing into a ditch. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.
Medical expense insurance – Coverage for medical payments and/or PIP pay for immediate expenses such as hospital visits, dental work, doctor visits, pain medications and funeral costs. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible
Comprehensive (Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive can pay for claims like damage from flooding, hitting a bird, vandalism, fire damage and falling objects. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.
Protection from uninsured/underinsured drivers – Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Ford Explorer.
Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.
In this article, we presented some good ideas how to get a better price on 1997 Ford Explorer insurance. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your rates. You may even find the best price on insurance coverage is with a small local company.
Insureds change insurance companies for a variety of reasons including denial of a claim, extreme rates for teen drivers, lack of trust in their agent and even questionable increases in premium. Regardless of your reason for switching companies, switching insurance coverage companies is pretty simple and you could end up saving a buck or two.
When trying to cut insurance costs, don’t be tempted to buy less coverage just to save a little money. In many instances, consumers will sacrifice liability limits or collision coverage and discovered at claim time that the savings was not a smart move. Your aim should be to purchase a proper amount of coverage at the best price while still protecting your assets.
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