Save on 1993 Ford Explorer Insurance Quotes

Want cheaper car insurance rates for your Ford Explorer? There isn’t anyone who anticipates paying for car insurance, especially when they know they could get a better deal.

There are many insurance companies to pick from, and though it is a good thing to have multiple companies, more options can take longer to compare rates.

It’s a good idea to compare prices quite often due to the fact that insurance prices are constantly changing. Just because you found the best quotes for Explorer insurance two years ago you can probably find a better rate now. Forget anything you know (or think you know) about car insurance because you’re going to get a crash course in the fastest and easiest way to find better rates and still maintain coverage.

More affordable rates by taking advantage of discounts

Insuring your vehicles can cost a lot, but there are discounts available that can dramatically reduce your bill. Many of these discounts will be applied automatically at the time of purchase, but some discounts are required to be specially asked for before you will receive the discount. If you are not receiving all the discounts available, you are not getting the best rate possible.

  • Policy Bundle Discount – If you can bundle your homeowners and auto insurance and insure them both with the same insurance company you could earn a discount of at least 10% off all policies.
  • Paperless Signup – A few larger online companies will give you a small discount simply for signing on the web.
  • Government Employees – Simply working for the federal government may qualify for a discount when you quote insurance coverage for Explorer insurance depending on your company.
  • Good Grades Discount – This discount could provide a savings of up to 20% or more. Earning this discount can benefit you until age 25.
  • Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn lower car insurancerates if you buy life insurance.
  • Air Bag Discount – Factory options such as air bags or motorized seat belts can get savings of more than 20%.
  • Anti-theft System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems help deter theft and will qualify for a discount on a insurance coverage quote.
  • College Student Discount – Youth drivers who live away from home at college without a vehicle on campus may qualify for this discount.
  • First Accident Forgiveness – but companies like Progressive, Allstate, and Liberty Mutual allow you one accident before they charge you more for coverage so long as you are claim-free prior to the accident.

Discounts reduce rates, but you should keep in mind that most discount credits are not given to your bottom line cost. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates it’s possible to get free car insurance, companies wouldn’t make money that way.

The best car insurance companies and a summarized list of policyholder discounts are outlined below.

  • Progressive may include discounts for homeowner, multi-policy, continuous coverage, good student, and online quote discount.
  • SAFECO includes discounts for teen safe driver, bundle discounts, multi-car, drive less, teen safety rewards, accident prevention training, and safe driver.
  • American Family offers discounts including defensive driver, accident-free, good student, air bags, good driver, bundled insurance, and mySafetyValet.
  • MetLife policyholders can earn discounts including multi-policy, good driver, defensive driver, good student, accident-free, claim-free
  • Geico offers discounts for driver training, anti-theft, multi-policy, anti-lock brakes, multi-vehicle, daytime running lights, and emergency military deployment.
  • The Hartford may offer discounts for bundle, vehicle fuel type, good student, anti-theft, air bag, defensive driver, and driver training.

Check with every insurance company which discounts they offer. Depending on the company, some discounts may not apply to policies in your area. If you would like to view insurers with the best car insurance discounts, click this link.

Smart choices result in lower insurance premiums

Lots of factors are used when pricing auto insurance. Some are pretty understandable like a motor vehicle report, but other criteria are more obscure like where you live or how financially stable you are.A large part of saving on insurance is knowing the factors that go into determining your premiums. When consumers understand what influences your rates, this helps enable you to make changes that will entitle you to lower insurance prices.

The list below includes some of the most rate-impacting factors companies use to determine rates.

  • Save money by having multiple policies – Many insurance companies afford lower prices to clients that have more than one policy in the form of a multi-policy discount. Discounts can add up to ten or even up to twenty percent in some cases. Even with this discount applied, it’s in your best interest to compare other company rates to make sure you are getting the best deal.There is a chance you can find a better deal by buying from different companies
  • Drive less and get lower prices – Driving more miles each year the higher the price you pay to insure it. Most insurance companies rate vehicles based upon how the vehicle is primarily used. Autos that have low annual miles receive better premium rates as compared to vehicles used primarily for driving to work. Ask your agent if your policy is rated on the proper vehicle usage. Incorrect rating for your Explorer may be wasting your money.
  • Vocation stress can affect prices – Did you know your occupation can influence how much you pay for insurance? Occupational choices like real estate brokers, social workers and emergency personnel usually pay higher rates than the rest of us due to high stress and lots of time spent away from family. Conversely, occupations like professors, athletes and the unemployed have the lowest average rates for Explorer insurance.
  • Remove unneeded extra coverages – Insurance companies have many extra bells and whistles that sound like a good idea at the time if you aren’t diligent. Coverages for replacement cost coverage, accident forgiveness, and extra life insurance coverage are some examples. They may seem good at first, but now you might not need them so remove them from your policy.
  • Safer cars cost less to insure – Safe vehicles tend to have better insurance rates. Highly rated vehicles protect occupants better and lower injury rates translates into savings for insurance companies passed on to you as lower rates. If your Ford is rated at a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Traffic violations increase rates – Drivers who don’t get tickets tend to pay less for car insurance than people who have multiple driving citations. Only having one speeding ticket may increase your cost forty percent or more. Drivers with flagrant violations such as DUI or willful reckless driving may find that they have to to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to prevent a license revocation.
  • Poor credit can mean higher premiums – Having a good credit score is likely to be a major factor in determining what you pay. If your credit rating could use some work, you may save money insuring your 1993 Ford Explorer if you improve your credit rating. Insureds with high credit scores tend to file fewer claims than drivers with poor credit.
  • Deter theft and save – Choosing to buy a car with anti-theft technology or alarm system can save you a little every year. Theft deterrent systems such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent auto theft and help lower rates.

How much car insurance do I need?

When buying coverage, there isn’t really a “best” method to buy coverage. Every situation is different so this has to be addressed. For instance, these questions could help you determine if you would benefit from an agent’s advice.

  • Does my policy cover me when driving someone else’s vehicle?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is my nanny covered when driving my vehicle?
  • Does coverage extend to my business vehicle?
  • Will I lose any money if I cancel my policy before it expires?
  • What is the rate difference between pleasure use and commuting?
  • Do I need roadside assistance coverage?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

Auto insurance policy coverages for a 1993 Ford Explorer

Knowing the specifics of a auto insurance policy helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are the normal coverages offered by auto insurance companies.

Liability insurance

Liability insurance will cover injuries or damage you cause to other people or property in an accident. This coverage protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as medical services, medical expenses, funeral expenses and pain and suffering. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive auto insurance

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hitting a deer, damage from getting keyed, hitting a bird, rock chips in glass and fire damage. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like ambulance fees, chiropractic care, doctor visits, rehabilitation expenses and hospital visits. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision insurance

Collision coverage pays to fix your vehicle from damage 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 colliding with a tree, sideswiping another vehicle, crashing into a building, crashing into a ditch and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Normally these coverages are set the same as your liablity limits.

Shop around and save

Budget-conscious 1993 Ford Explorer insurance is attainable online in addition to local insurance agencies, so get free insurance coverage quotes from both of them to have the best selection. Some insurance companies don’t offer price quotes online and many times these smaller companies prefer to sell through independent agents.

We just showed you some good ideas how you can lower your 1993 Ford Explorer insurance prices. It’s most important to understand that the more price quotes you have, the better your chances of lowering your rates. You may be surprised to find that the best price on insurance is with the smaller companies. They can often provide lower rates in certain areas than their larger competitors like Allstate, Geico and Progressive.

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