Trying to find lower insurance rates for your Ford Explorer? Did you fall for a flashy sales pitch and buy high-priced insurance? Trust us, there are lots of people in the same boat.
There is such a variety of insurers to insure vehicles with, and although it’s a good thing to be able to choose, too many choices makes it more difficult to find the best rates for your vehicles.
Most companies provide coverage price quotes directly from their websites. The process is pretty painless as you simply type in your coverage information into the quote form. Once you submit the form, the company’s rating system requests credit information and your driving record and gives you a price quote determined by many factors. This makes it a lot easier to compare rates but the work required to visit many different websites and type in the same information is not the best way to spend an afternoon. But it’s absolutely necessary to perform this step if you want to find the lowest price.
The quickest way to lower your rates utilizes a single form to return rates from several different companies. This type of form saves time, eliminates form submissions, and makes rate comparisons a lot less work. After sending your information, it is quoted with multiple companies and you can pick any of the quotes that you receive. If you find a better price it’s easy to complete the application and buy the policy. It can be completed in a matter of minutes and you will find out if you’re overpaying now.
To compare rates using this form now, simply click here to open in new window and fill out the form. If you have a policy now, it’s recommended you complete the form with deductibles and limits exactly as shown on your declarations page. Doing this assures you will have comparison quotes based on the exact same insurance coverage.
Auto insurance companies do not advertise all their discounts in a way that’s easy to find, so we took the time to find both well-publicized as well as the least known savings tricks you should be using.
Consumers should know that most discounts do not apply to your bottom line cost. Most only reduce specific coverage prices like comprehensive or collision. So when the math indicates it’s possible to get free car insurance, insurance companies aren’t that generous.
Insurance companies that may have these discounts include:
It’s a good idea to ask every prospective company which discounts you may be entitled to. All car insurance discounts may not be available in your state.
When it comes to choosing coverage, there really is no single plan that fits everyone. Every situation is different so this has to be addressed. Here are some questions about coverages that can aid in determining whether you might need professional guidance.
If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.
Having a good grasp of a auto insurance policy aids in choosing the best coverages for your vehicles. Auto insurance terms can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverage types found on the average auto insurance policy.
This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.
Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims such as theft, a broken windshield, hitting a bird, rock chips in glass and fire damage. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Liability insurance provides protection from damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.
Liability can pay for claims like attorney fees, loss of income, repair costs for stationary objects, funeral expenses and pain and suffering. How much coverage you buy is a personal decision, but consider buying higher limits if possible.
This coverage covers damage to your Explorer resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.
Collision can pay for claims such as crashing into a building, colliding with a tree, backing into a parked car, rolling your car and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.
Med pay and PIP coverage reimburse you for short-term medical expenses like doctor visits, hospital visits, dental work, X-ray expenses and nursing services. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay
We covered many ways to save on 2008 Ford Explorer insurance. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding lower rates. You may even find the lowest priced car insurance comes from a smaller regional carrier. Regional companies may only write in your state and offer lower rates compared to the large companies like State Farm, GEICO and Nationwide.
When you buy insurance online, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many situations where an insured cut liability coverage limits and learned later that their decision to reduce coverage ended up costing them more. Your aim should be to find the BEST coverage at an affordable rate while not skimping on critical coverages.
Affordable insurance can be sourced from both online companies in addition to many insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. Some car insurance companies do not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.