How Much Does 1991 Ford Explorer Car Insurance Cost?

Think you have an overpriced insurance policy? You’re preaching to the choir because many drivers feel the same as you. Big companies like Allstate, Progressive and Geico persitently shower you with fancy advertisements and consumers find it hard to ignore the promise of big savings and take the time to shop coverage around.

Why informed consumers pay less for Ford Explorer insurance

An important part of buying insurance is that you know the different types of things that are used to determine your premiums. When you know what positively or negatively determines premiums, this helps enable you to make changes that could help you find lower rates.

Listed below are a few of the things used by insurance companies to determine premiums.

  • Insurance is expensive for youthful drivers – Mature drivers are viewed as being more responsible, statistically cause fewer accidents and get fewer tickets.Drivers with little experience are proven to get distracted easily in a vehicle and because of this, their insurance rates are much higher.
  • Reduce rates by driving cars with good safety ratings – Vehicles with high crash test scores are cheaper to insure. Safe vehicles result in less severe injuries and any reduction in injury severity translates into fewer and smaller insurance claims passed on to you as lower rates. If the Ford Explorer has at least four stars on Safercar.gov you may pay a lower rate.
  • Insurance rates and driver gender – Over the last 50 years, statistics have shown that men are more aggressive behind the wheel. However, don’t assume that females are better drivers. They both have accidents at about the same rate, but the men get into accidents with more damage. Men also get higher numbers of serious violations like DUI and reckless driving. Teenage male drivers are several times more likely to be in an accident so they pay the highest premiums.
  • Low stress occupation equals lower premiums – Do you work in a high-stress field? Occupational choices like military generals, architects and accountants are shown to have the highest average rates because of high stress and long work days. On the flip side, jobs like farmers, students and performers generally pay rates lower than average on Explorer insurance.

Pay discount rates with these discounts

The cost of insuring your cars can be expensive, but companies offer discounts that can drop the cost substantially. A few discounts will automatically apply at the time of purchase, but a few must be asked about before being credited.

  • Government Employees – Active or former government employment may reduce rates when you quote auto insurance on Explorer insurance with certain companies.
  • Paperless Signup – A few larger online companies give back up to $50 for buying a policy and signing up on the web.
  • Passive Restraint Discount – Options like air bags or motorized seat belts may earn rate discounts up to 30%.
  • Military Discounts – Having a deployed family member could mean lower prices.
  • Discount for Home Ownership – Owning a house can save you money because maintaining a house means you have a higher level of financial diligence.
  • Discount for Swiching Early – A few companies allow discounts for switching policies before your current policy expires. You can save around 10% with this discount.
  • Life Insurance – Companies who offer life insurance give lower insurancerates if you buy life insurance from them.
  • Driver Education Discount – Require your teen driver to sucessfully take a drivers education course as it can save substantially.
  • ABS Braking Discount – Cars with ABS braking systems or traction control can avoid accidents and will save you 10% or more.
  • Policy Bundle Discount – When you combine your auto and homeowners insurance with one company you may earn nearly 15% which can help you find affordable auto insurance.

One thing to note about discounts is that many deductions do not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like collision or personal injury protection. Despite the fact that it seems like you would end up receiving a 100% discount, insurance companies aren’t that generous.

To locate insurance companies with discount insurance rates, click here to view.

Your situation helps dictate your coverage

When it comes to buying adequate coverage, there isn’t really a “perfect” insurance plan. Each situation is unique and your policy should reflect that. For instance, these questions might help in determining whether you would benefit from professional advice.

  • Does my liability insurance cover pulling a trailer or camper?
  • If I drive on a suspended license am I covered?
  • What companies insure drivers after a DUI or DWI?
  • Does coverage extend to a rental car in a foreign country?
  • When does my teenage driver need to be added to my policy?
  • Am I covered if I hit a deer?
  • Do I have coverage when making deliveries for my home business?
  • Is business property covered if stolen from my car?
  • What are the best liability limits?
  • Will my insurance pay for OEM parts?

If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

Auto insurance 101

Learning about specific coverages of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Listed below are the usual coverages offered by insurance companies.

Uninsured and underinsured coverage

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and damage to your 1991 Ford Explorer.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Liability coverage

This will cover injuries or damage you cause to other’s property or people that is your fault. This coverage protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims such as medical services, legal defense fees and funeral expenses. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Coverage for collisions

This coverage will pay to fix damage to your Explorer resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like sideswiping another vehicle, driving through your garage door and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for immediate expenses such as pain medications, doctor visits and funeral costs. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hail damage, vandalism, fire damage, damage from getting keyed and hitting a bird. The maximum amount 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 probably time to drop comprehensive insurance.

Never pay more for less

You just read some good ideas how to compare 1991 Ford Explorer insurance rates online. The most important thing to understand is the more times you quote, the higher your chance of finding affordable auto insurance. You may even discover the best price on insurance coverage is with a company that doesn’t do a lot of advertising. They can often provide lower car insurance rates in certain areas than the large multi-state companies such as Geico and State Farm.

When trying to cut insurance costs, it’s not a good idea to buy poor coverage just to save money. There are a lot of situations where someone sacrificed liability limits or collision coverage and discovered at claim time that it was a big mistake. Your strategy should be to get the best coverage possible at a price you can afford, but do not sacrifice coverage to save money.

Budget-friendly insurance coverage can be found online as well as from independent agents, so you need to quote auto insurance with both in order to have the best chance of saving money. Some insurance coverage companies do not offer online rate quotes and most of the time these small, regional companies only sell coverage through independent insurance agencies.

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