Lower Your 2014 Ford Explorer Insurance Rates

Have you had enough of scraping the payment together to buy car insurance? You’re in the same situation as most other car owners.

Online insurance companies like Allstate, Progressive and GEICO continually bombard you with fancy advertisements and it is challenging if not impossible to ignore the promise of big savings and find the best price available.

Quick Car Insurance Quotes

All the larger car insurance companies quote price estimates on their websites. This process is pretty easy as you simply type in your required coverages as detailed in the form. After the form is submitted, their rating system collects reports for credit and driving violations and provides a quote determined by many factors. This helps simplify price comparisons, but the work required to visit multiple sites and enter the same data into a form is not the best way to spend an afternoon. But it is imperative to compare as many rates as possible if you are searching for the lowest price.

The preferred way to locate the lowest prices uses one simple form that gets price quotes from several different companies. The form is fast, eliminates form submissions, and makes quoting online much simpler. After sending the form, it gets priced and you can select any of the returned quotes. If a lower price is quoted, you simply finish the application and purchase coverage. This process takes just a few minutes to complete and you will find out if you’re overpaying now.

To fill out one form to compare multiple rates now, click here and submit the form. If you have coverage now, it’s recommended you copy the coverage information exactly as they are listed on your policy. This guarantees you’re receiving a rate comparison for similar insurance coverage.

Companies offer discounts so take them!

Auto insurance companies do not advertise every available discount in a way that’s easy to find, so the following is a list of both the well known and the harder-to-find discounts you could be receiving.

  • Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • Resident Student – Children who live away from home without a vehicle on campus may qualify for this discount.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Paperless Signup – Certain companies give back up to $50 just for signing your application online.
  • Clubs and Organizations – Affiliation with a professional or civic organization is a good way to get lower rates when shopping for auto insurance for Explorer coverage.

Drivers should understand that many deductions do not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as medical payments or collision. So even though it sounds like all the discounts add up to a free policy, auto insurance companies aren’t that generous.

For a list of providers who offer auto insurance discounts, click this link.

Do I just need basic coverages?

When buying the right insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions might point out if you might need professional guidance.

  • What companies insure drivers after a DUI or DWI?
  • How much liability do I need to cover my assets?
  • How much underlying liability do I need for an umbrella policy?
  • What vehicles should carry emergency assistance coverage?
  • Should I rate my 2014 Ford Explorer as pleasure use or commute?
  • When would I need rental car insurance?
  • Can I afford to pay high deductible claims out of pocket?
  • Can my babysitter drive my car?
  • Am I covered when pulling a rental trailer?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Car insurance coverage information

Understanding the coverages of insurance can be of help when determining the right coverages for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. These are the normal coverages found on the average insurance policy.

Liability car insurance

This coverage protects you from damage or injury you incur to other’s property or people. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims like bail bonds, funeral expenses, structural damage and attorney fees. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive or Other Than Collision

This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as hail damage, fire damage, hitting a bird and rock chips in glass. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto collision coverage

This coverage covers damage to your Explorer from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like colliding with a tree, hitting a mailbox, hitting a parking meter and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

UM/UIM Coverage

This coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Ford Explorer.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for hospital visits, rehabilitation expenses and chiropractic care. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

More effort can pay off

Cheap 2014 Ford Explorer insurance is definitely available from both online companies and also from your neighborhood agents, so you should compare both to have the best rate selection. Some insurance providers may not provide you the ability to get quotes online and these small, regional companies work with independent agents.

We covered quite a bit of information on how to lower your insurance rates. The key concept to understand is the more you quote, the better likelihood of reducing your rate. Drivers may discover the most savings is with a small local company. Some small companies may cover specific market segments cheaper than their larger competitors like Allstate and Progressive.

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