2002 Ford Explorer Sport Trac Car Insurance Quotes – 5 Tips to Save

Trying to find better insurance rates for your Ford Explorer Sport Trac? Buying cheap insurance online can seem to be difficult for consumers new to buying insurance on the web. With so many online companies, how can drivers possibly compare the different rates to find the lowest price?

You should make it a habit to compare rates yearly because rates are constantly changing. Even if you think you had the best deal for Explorer Sport Trac insurance six months ago a different company probably has better rates today. Forget all the misinformation about insurance because we’re going to demonstrate the tricks you need to know to eliminate unnecessary coverages and save money.

If you currently have car insurance, you stand a good chance to be able to cut costs considerably using these techniques. The purpose of this post is to help educate you on how car insurance quotes work and some tricks to saving. But car owners must comprehend how companies price online insurance and use this information to your advantage.

Low Cost Insurance

Most companies allow you to get coverage price quotes on the web. This process is quite easy as you simply type in your coverage information into the quote form. When complete, their system will obtain reports for credit and driving violations and returns a price quote.

Being able to quote online helps simplify price comparisons, but having to visit many different websites and fill out multiple forms is not the best way to spend an afternoon. But it’s absolutely necessary to compare as many rates as possible in order to get better prices.

A quicker way to lower your insurance bill requires only one form that gets prices from several different companies. It’s a real time-saver, reduces the work, and makes price shopping online a lot less work. Immediately after submitting the form, it gets priced and you are able to buy any or none of the resulting price quotes.

If the quotes result in lower rates, you can simply submit the application and purchase coverage. It takes 15 minutes at the most and can result in significant savings.

To find out what other companies charge, simply click here to open in new window and submit the form. To compare your current rates, we recommend you replicate coverages and limits identical to your current policy. Using the same limits helps guarantee you will be getting a rate comparison using the same coverage and limits.

Don’t overlook these five discounts

Insurance can be prohibitively expensive, buy you may qualify for discounts to help bring down the price. Larger premium reductions will be automatically applied when you quote, but some must be asked about before you get the savings.

  • Student Driver Training – Cut your cost by having your teen driver take driver’s ed class in high school.
  • Accident Forgiveness – A few companies will forgive one accident without raising rates if your claims history is clear for a set time period.
  • Discount for Swiching Early – Select companies give a discount for switching to them prior to your current policy expiration. The savings is around 10%.
  • E-sign – A few companies will discount your bill up to fifty bucks just for signing your application over the internet.
  • Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for reduced rates for Explorer Sport Trac insurance.

It’s important to understand that most credits do not apply to the entire cost. Some only reduce specific coverage prices like collision or personal injury protection. So when it seems like you would end up receiving a 100% discount, you won’t be that lucky. Any amount of discount will reduce your overall premium however.

Car insurance companies that possibly offer these discounts are:

Before buying, ask each company how you can save money. Savings might not apply in your state.

Is my situation unique?

When choosing the best insurance coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different.

For instance, these questions may help you determine whether your personal situation may require specific advice.

  • I have health insurance so do I need medical payments coverage?
  • Does my insurance cover my expensive audio equipment?
  • Is my ex-spouse still covered by my policy?
  • Do I need PIP coverage since I have good health insurance?
  • Can I afford to buy a different vehicle if my 2002 Ford Explorer Sport Trac is totaled?
  • Does insurance cover damages from a DUI accident?
  • When does my teenage driver need to be added to my policy?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form.

Insurance coverage considerations

Learning about specific coverages of your insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be confusing and even agents have difficulty translating policy wording.

Comprehensive insurance

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from flooding, damage from getting keyed, theft, falling objects and a tree branch falling on your vehicle. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Ford Explorer Sport Trac.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these limits are similar to your liability insurance amounts.


This provides protection from damages or injuries you inflict on other’s property or people in an accident. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as funeral expenses, emergency aid, attorney fees, court costs and loss of income. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Coverage for collisions

Collision insurance will pay to fix damage to your Explorer Sport Trac caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like damaging your car on a curb, colliding with another moving vehicle, sideswiping another vehicle and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Coverage for medical expenses

Med pay and PIP coverage pay for immediate expenses for surgery, dental work and chiropractic care. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

What is YOUR best insurance company?

Consumers who switch companies do it for a variety of reasons including lack of trust in their agent, high rates after DUI convictions, policy cancellation or delays in responding to claim requests. Whatever your reason, finding a new insurance company is less work than it seems.

As you prepare to switch companies, make sure you don’t skimp on coverage in order to save money. In many instances, an insured cut liability limits or collision coverage and learned later they didn’t have enough coverage. The aim is to buy the best coverage you can find at the best price, not the least amount of coverage.

You just learned a lot of ways to save on 2002 Ford Explorer Sport Trac insurance. The key concept to understand is the more price quotes you have, the better likelihood of reducing your rate. Drivers may discover the best prices are with a company that doesn’t do a lot of advertising.

Helpful learning opportunities