Cheaper 1994 Ford Explorer Car Insurance Rates

Trying to find the cheapest car insurance rates for your Ford Explorer? Are you burned out from not being able to scrape enough together to pay high car insurance rates every month? Your situation is no different than many other consumers. You have so many insurance companies to buy insurance from, and although it’s a good thing to have multiple companies, lots of choices makes it harder to compare rates and cut insurance costs.

You need to take a look at other company’s rates once or twice a year because rates are usually higher with each renewal. Even if you got the best deal on Explorer coverage a couple years back you will most likely find a better price today. Block out anything you think you know about car insurance because we’re going to demonstrate the quickest way to buy cheaper car insurance.

Finding affordable insurance coverage is quite easy. If you have a policy now or need a new policy, you can learn to reduce the price you pay while maintaining coverages. Vehicle owners just need to understand the best way to compare prices on the web.

How to shop insurance online

Most of the larger companies like State Farm, Geico and Progressive give coverage prices on the web. Getting quotes is pretty painless as you just type in your coverage information on the page. After you submit the form their rating system requests your credit score and driving record and provides a quote. Quoting online helps simplify price comparisons, but the time required to go to many different websites and fill out multiple forms can be a bit repetitive. But it’s necessary to do this in order to get better prices.

There is an easier way to compare rates

The preferred way to lower your rates is to use a quote form that gets price quotes from multiple companies. The form is fast, reduces the work, and makes comparison shopping much simpler. Immediately after submitting the form, it gets priced and you can select any or none of the pricing results.

If a lower price is quoted, you can click and sign and purchase coverage. The entire process can be completed in less than 10 minutes and you’ll know if lower rates are available.

To save time and compare rates now, click here and fill out the form. To compare your current rates, we recommend you type in as shown on your current policy. This ensures you’re receiving an apples-to-apples comparison for exact coverage.

These discounts can reduce car insurance rates

Properly insuring your vehicles can get expensive, but you may qualify for discounts that many consumers don’t even know exist. Many of these discounts will be applied automatically when you purchase, but a few need to be asked about before being credited.

  • Accident Free – Drivers who stay claim-free pay less in comparison to frequent claim filers.
  • Senior Citizen Discount – If you qualify as a senior citizen, you can get reduced rates on Explorer coverage.
  • Cautious Driver Discounts – Insureds who avoid accidents may receive a discount up to 45% on Explorer coverage compared to accident prone drivers.
  • Discount for Home Ownership – Just owning your own home can help you save on car insurance since home ownership requires a higher level of personal finance.
  • Government Employee Discount – Employees or retirees of the government could qualify for a slight premium decrease on Explorer coverage with a few car insurance companies.
  • Sign Early and Save – A few companies allow discounts for buying a new policy before your current policy expires. This discount can save up to 10%.

Don’t be surprised that most of the big mark downs will not be given the the whole policy. Most only cut specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, it just doesn’t work that way.

Car insurance companies that may offer quotes with most of these discounts are:

Before buying, ask every company which discounts they offer. Discounts may not be available everywhere. To locate insurers who offer discounts, click this link.

When do I need an agent’s advice?

When it comes to buying the best insurance coverage coverage for your vehicles, there is no best way to insure your cars. Every insured’s situation is different so this has to be addressed. These are some specific questions may help highlight whether you would benefit from an agent’s advice.

  • Am I covered if I drive in a foreign country?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Do I need replacement cost coverage?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Am I covered by my spouse’s policy after a separation?
  • Will my rates increase for filing one claim?
  • When should my teen driver be added to my policy?

If you’re not sure about those questions, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area. It only takes a few minutes and can help protect your family.

Coverages available on your policy

Having a good grasp of auto insurance helps when choosing which coverages you need at the best deductibles and correct limits. Auto insurance terms can be ambiguous and reading a policy is terribly boring. Listed below are the normal coverages offered by auto insurance companies.

Comprehensive coverage – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as vandalism, fire damage and falling objects. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision – This pays to fix your vehicle from damage resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like colliding with a tree, scraping a guard rail, rolling your car, driving through your garage door and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Liability coverage – Liability coverage can cover injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things like attorney fees, bail bonds and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as X-ray expenses, ambulance fees and nursing services. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage – This provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Ford Explorer.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.