Compare 2013 Ford Explorer Insurance Rates

Locating better insurance prices for a Ford Explorer can be difficult, but you can follow the following methods to make it easier. There is a right way and a wrong way to find car insurance online so you’re going to learn the quickest way to get price quotes on a Ford and get the best price possible.

If you are insured now or are looking for a new policy, you can use these techniques to cut your premiums and still get good coverage. Pricing affordable car insurance coverage is quite easy. Consumers just need to know the best way to find the lowest price online.

Free Quotes for Auto Insurance

Finding lower auto insurance rates is not a difficult process. You just need to take a couple of minutes to compare rate quotes provided by online insurance companies. It is quite easy and can be accomplished in a couple of different ways.

  1. The fastest way to get quotes for comparison is an all-inclusive rate comparison click here to open form in new window. This form prevents you from having to do repetitive form entry for each company you want a rate for. Completing one form will get you rate comparisons from multiple low-cost companies. It’s definitely the quickest method.
  2. A harder way to obtain and compare quotes online consists of visiting the website for each individual company to complete their respective quote request forms. For example, we’ll assume you want rates from Liberty Mutual, Safeco and State Farm. To get rate quotes you would need to take the time to go to each site and enter your policy data, which is why the first method is quicker.

    For a list of links to companies insuring cars in your area, click here.

It’s up to you which method you use, but make darn sure you compare the exact same coverage limits on every quote you get. If you use different deductibles you can’t possibly find the best deal for your Ford Explorer.

Discounts mean cheaper 2013 Ford Explorer insurance rates

Companies do not list every available discount in an easy-to-find place, so we took the time to find some of the best known and the more hidden savings tricks you should be using. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • 55 and Retired – Mature drivers may receive a small decrease in premiums for Explorer coverage.
  • Pay Upfront and Save – By paying your policy upfront instead of paying each month you can actually save on your bill.
  • Clubs and Organizations – Belonging to a qualifying organization could qualify you for a break on your policy for Explorer coverage.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to wear their seat belts could save 15% off your PIP or medical payments premium.
  • Multiple Cars – Buying coverage for all your vehicles with the same company qualifies for this discount.
  • Drive Safe and Save – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Explorer coverage than drivers with accidents.
  • Anti-theft System – Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Own a Home – Being a homeowner may trigger a insurance coverage policy discount because of the fact that having a home shows financial diligence.
  • Low Mileage – Fewer annual miles on your Ford can earn better rates on cars that stay parked.
  • College Student – Any of your kids who attend school more than 100 miles from home and do not have a car may be able to be covered for less.

Consumers should know that many deductions do not apply to all coverage premiums. A few only apply to specific coverage prices like comp or med pay. So even though they make it sound like adding up those discounts means a free policy, companies don’t profit that way.

Insurance companies that may have these money-saving discounts include:

Before buying, ask all companies you are considering which discounts they offer. All car insurance discounts might not apply in every state.

Tailor your coverage to you

When choosing the best car insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s needs are different.

For example, these questions might help in determining whether you could use an agent’s help.

  • Can I afford to buy a different vehicle if my 2013 Ford Explorer is totaled?
  • Do I need added coverage for expensive stereo equipment?
  • Does liability extend to a camper or trailer?
  • How can I get high-risk coverage after a DUI?
  • Should I carry comprehensive and collision coverage?
  • Should I have a commercial auto policy?
  • How can I find cheaper teen driver insurance?

If you can’t answer these questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Impacting insurance rates for a Ford Explorer

Smart consumers have a good feel for some of the elements that play a part in calculating the price you pay for insurance coverage. Knowing what determines base rates helps enable you to make changes that may reward you with lower insurance coverage prices.

  • Don’t get talked into coverage you don’t need – There are quite a few extra bells and whistles you can purchase if you aren’t careful. Things like vanishing deductibles, better glass coverage and additional equipment coverage may be costing you every month. These coverages may sound good when talking to your agent, but now you might not need them so remove them from your policy.
  • Bump up deductibles to save – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Ford. A few examples of covered claims are running into the backend of another car, damage from fire, or theft. Physical damage deductibles are how much you are willing to pay if you file a covered claim. The higher the amount you have to pay, the less your insurance coverage will be for Explorer coverage.
  • Liability coverage is peace of mind – Your policy’s liability coverage will protect you in the event that you are found liable for damages caused by your negligence. Liability insurance provides legal defense up to the limits shown on your policy. Liability is cheap as compared to coverage for physical damage, so buy as much as you can afford.
  • Allowing your policy to lapse raises rates – Having an insurance coverage lapse will be a sure-fire way to increase your insurance coverage rates. Not only will rates go up, but being ticketed for driving with no insurance may earn you a steep fine or even jail time.Then you may be required to submit proof of financial responsibility or a SR-22 with your state DMV.

Save $478 a year? Really?

Consumers can’t get away from ads for cheaper car insurance from companies such as State Farm, GEICO and Progressive. All the ads have a common claim of big savings if you move your policy.

How can each company make almost identical claims? It’s all in the numbers.

Different companies have a preferred profile for the driver that is profitable for them. For example, a desirable insured could be between 25 and 40, a clean driving record, and drives less than 7,500 miles a year. Any new insured who fits that profile will get very good rates and most likely will save quite a bit of money when switching.

Potential insureds who don’t meet these standards will have to pay more money which usually ends up with the driver buying from a lower-cost company. The ads state “drivers who switch” not “everyone that quotes” save that kind of money. That’s why insurance companies can confidently state the savings. Because of the profiling, you should compare many company’s rates. It is impossible to predict the company that will provide you with the cheapest Ford Explorer insurance rates.

Auto insurance coverage options for a Ford Explorer

Having a good grasp of a auto insurance policy aids in choosing the best coverages for your vehicles. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist coverage – This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Ford Explorer.

Because many people carry very low liability coverage limits, 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.

Coverage for liability – Liability coverage will cover injuries or damage you cause to people or other property in an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as loss of income, funeral expenses and pain and suffering. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Comprehensive coverage – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from flooding, damage from a tornado or hurricane and fire damage. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage – This coverage pays for damage to your Explorer resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like colliding with another moving vehicle, hitting a mailbox, hitting a parking meter and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for prosthetic devices, chiropractic care, nursing services and dental work. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

You can do this!

When shopping online for car insurance, it’s very important that you do not reduce needed coverages to save money. In too many instances, an accident victim reduced physical damage coverage only to regret at claim time they didn’t have enough coverage. Your aim should be to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

You just learned a lot of information how to reduce 2013 Ford Explorer insurance prices online. The most important thing to understand is the more providers you compare, the better likelihood of reducing your rate. You may be surprised to find that the lowest priced car insurance comes from a small local company.

Drivers change insurance companies for a number of reasons such as questionable increases in premium, not issuing a premium refund, being labeled a high risk driver and unfair underwriting practices. Whatever your reason, switching companies is actually quite simple.

Additional detailed information can be found by following these links: