Compare 2001 Ford Explorer Sport Trac Car Insurance Rates

Searching for lower auto insurance rates for your Ford Explorer Sport Trac? Locating low-cost insurance for a Ford Explorer Sport Trac could be a painful process, but you can learn a few tricks and make it easy. There are more efficient ways to compare auto insurance rates so you’re going to learn the best way to compare rates for a new or used Ford and get the cheapest rates from both online companies and local agents.

It’s smart to compare rates quite often because prices are variable and change quite frequently. Despite the fact that you may have had the best deal for Explorer Sport Trac coverage six months ago there may be better deals available now. Ignore everything you know about auto insurance because you’re about to learn one of the best ways to lower your rates without sacrificing coverage.

If you have a current auto insurance policy or need new coverage, you can learn to shop for the lowest rates and still get good coverage. Locating the lowest cost auto insurance coverage is easy if you know what you’re doing. Consumers just need to understand the most effective way to get comparison quotes online.

Save big with these discounts

Car insurance companies do not list every discount very well, so we researched both the well known and also the lesser-known ways to save on auto insurance. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • Anti-theft System – Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Multiple Policy Discount – When you have multiple policies with one company you may save up to 20% off your total premium.
  • Air Bag Discount – Vehicles equipped with air bags may earn rate discounts of more than 20%.
  • Government Employees – Being employed by or retired from a federal job may qualify you for a discount for Explorer Sport Trac coverage with certain companies.
  • Own a Home – Being a homeowner may trigger a auto insurance policy discount due to the fact that maintaining a home is proof that your finances are in order.
  • College Student – Youth drivers who live away from home and don’t have a car may qualify for this discount.

Keep in mind that many deductions do not apply to the entire policy premium. Some only apply to individual premiums such as medical payments or collision. Just because you may think adding up those discounts means a free policy, auto insurance companies aren’t that generous.

A partial list of companies that may offer these money-saving discounts include:

Before buying, ask all companies you are considering which discounts they offer. Discounts might not apply everywhere.

Low Cost Auto Insurance

Cutting your auto insurance rates is not rocket science. All you need to do is take a couple of minutes to get quotes online from several insurance companies. This is very easy and can be done in a couple of different ways.

  • The first (and easiest) way consumers can analyze rates is an all-inclusive rate comparison click to view form in new window. This method keeps you from doing separate quote forms to each individual auto insurance company. One quote request gets you coverage quotes direct from many companies. This is perfect if you don’t have a lot of time.
  • A slightly less efficient method to compare rate quotes consists of visiting the website of each company to complete their respective quote request forms. For instance, let’s say you want comparison quotes from USAA, GEICO and Travelers. To get each rate you have to go to every website and enter your policy data, which is why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

  • The most time-consuming way to compare rates is to spend time driving to local insurance agencies. Shopping for auto insurance online can eliminate the need for a local agent unless you have a need for the personal advice of a licensed agent. Drivers can compare online quotes and still use a local agent and we’ll talk about that later.

It’s up to you which method you use, but make darn sure you compare identical coverages for each comparison quote. If you are comparing differing limits it’s not possible to make an equal comparison.

These factors can influence Ford Explorer Sport Trac insurance rates

Consumers need to have an understanding of the rating factors that help determine the price you pay for insurance coverage. Knowing what determines base rates helps enable you to make changes that could result in better insurance coverage rates.

  • Mature drivers pay less – Mature drivers tend to be more responsible, statistically cause fewer accidents and are safer drivers. Young drivers have a tendency to be careless and easily distracted in a vehicle therefore insurance coverage rates are much higher.
  • Don’t get talked into coverage you don’t need – There are many add-on coverages you can purchase on your insurance coverage policy. Coverages for personal injury protection, better glass coverage and membership fees are some examples. These coverages may sound good when talking to your agent, but your needs may have changed so eliminate them to save money.
  • Proper usage rating affects rates – The higher the mileage driven in a year the more you’ll pay to insure your vehicle. Most insurance companies rate vehicles determined by how the vehicle is used. Cars and trucks left parked in the garage receive lower rates than those used for commuting. Make sure your insurance coverage declarations sheet properly reflects the correct usage for each vehicle, because improper ratings can cost you money. Incorrect usage on your Explorer Sport Trac may be costing you.
  • Are you male or female? – Statistics demonstrate women tend to be less risk to insure than men. Now that doesn’t mean men are WORSE drivers than women. They both tend to get into accidents at a similar rate, but the men tend to have more serious accidents. Men also statistically receive more costly citations such as DWI and reckless driving.
  • Drive a safer car and pay less – Safer cars can get you lower premiums. The safest vehicles result in less severe injuries and any reduction in injury severity translates into savings for insurance companies passed on to you as lower rates. If the Ford Explorer Sport Trac has ratings of a minimum four stars on or an “acceptable” rating on it may be receiving lower rates.
  • Your car’s features help determine rates – Choosing a vehicle that has an advanced theft prevention system can get you a discount on your insurance coverage. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft.
  • Cautious drivers pay less – Your driving record has a huge affect on how much you pay. Good drivers tend to pay less for car insurance than their less careful counterparts. Just one moving violation can increase rates by twenty percent. Drivers who get dangerous violations like DWI, reckless driving or hit and run convictions may be required to file a SR-22 with their state motor vehicle department in order to prevent a license revocation.
  • Being married can save on insurance coverage – Having a wife or husband actually saves money on your policy. It is viewed as being more mature than a single person it has been statistically shown that married couples file fewer claims.

But I don’t know anything about car insurance

When it comes to choosing proper insurance coverage, there really is no one size fits all plan. Everyone’s situation is a little different.

Here are some questions about coverages that may help you determine whether or not you could use an agent’s help.

  • When should I drop full coverage on my 2001 Ford Explorer Sport Trac?
  • Are rental cars covered under my policy?
  • Are my friends covered when driving my 2001 Ford Explorer Sport Trac?
  • Can I rent a car in Mexico?
  • Does my insurance cover a custom paint job?
  • Is my dog or cat covered if injured in an accident?
  • Are there companies who specialize in insuring high-risk drivers?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form. It only takes a few minutes and can help protect your family.

Learn about auto insurance coverages for a Ford Explorer Sport Trac

Learning about specific coverages of auto insurance aids in choosing appropriate coverage for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Collision coverages – This coverage covers damage to your Explorer Sport Trac resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like crashing into a ditch, rolling your car, colliding with a tree and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 2001 Ford Explorer Sport Trac.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive coverage – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like falling objects, a tree branch falling on your vehicle, theft, rock chips in glass and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability coverages – Liability coverage will cover damage or injury you incur to a person or their property in an accident. It protects YOU from claims by other people, and does not provide coverage for 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 might see policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims like funeral expenses, structural damage and emergency aid. How much liability coverage do you need? That is your choice, but buy higher limits if possible.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance pay for expenses for nursing services, prosthetic devices, doctor visits, X-ray expenses and rehabilitation expenses. They are often utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Buy Smart and Save

When you buy insurance online, you should never sacrifice coverage to reduce premiums. In many cases, drivers have reduced liability coverage limits only to find out that it was a big error on their part. Your aim should be to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

Consumers leave their current company for any number of reasons including delays in paying claims, extreme rates for teen drivers, unfair underwriting practices or high rates after DUI convictions. No matter why you want to switch, finding a great new company is not as hard as you think.

You just read some good ideas how to reduce 2001 Ford Explorer Sport Trac insurance prices online. It’s most important to understand that the more companies you get rates for, the better your chances of lowering your rates. Drivers may discover the lowest premiums are with a small local company.

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