1996 Ford Explorer Insurance Rates

Trying to find cheaper car insurance rates for your Ford Explorer? If you are a novice to online car insurance shopping, by this point your are probably confused of online companies selling insurance.

Finding affordable coverage is not rocket science. If you currently have car insurance, you will most likely be able to cut costs considerably using these methods. Although car owners can benefit by having an understanding of how big insurance companies price online insurance.

The easiest way to compare rates is to take advantage of the fact car insurance companies will pay a fee to provide you with a free rate quote. All you need to do is provide a small amount of information like if a SR-22 is needed, types of safety features, if the car is leased, and deductibles desired. Your insurance information is then submitted to insurance companies and you should receive rate quotes almost instantly.

To compare rates now, click here and enter the information requested.

But the ad said I’d save 15% in 15 minutes!

Companies like State Farm, Geico and Progressive seem to constantly run ads on TV and radio. All the ads seem to make the promise about how much you will save just by switching your coverage to them. How is it possible that every company can charge you a lower premium? This is how they do it.

Most companies have a preferred profile for the type of customer that will be a good risk. One example of this type of risk profile should be a female over age 40, has no claims, and drives a car with an anti-theft system. A driver that hits that “sweet spot” will qualify for the lowest premium rates as well as save a lot if they switch.

Insureds who don’t measure up to this ideal profile will see a higher rate which usually ends up with the customer not purchasing. If you listen closely, the ads state “people who switch” not “everyone that quotes” save the amount stated. This is how insurance companies can claim big savings. This illustrates why you absolutely need to compare as many free car insurance quotes as you can. It is impossible to predict which company will have the best rates at this point in time.

Smart buyers know how to buy car insurance more affordably

Lots of factors are part of the equation when you get your auto insurance bill. Some are obvious like your driving record, but others are more obscure such as your credit history or how safe your car is.

With age comes responsibility – Older drivers have been proven to be more responsible, are lower risk to insure and are safer drivers.Teen drivers have been known to be less responsible behind the wheel therefore car insurance rates are much higher.
Pleasure use or commuting – The more you drive your Ford every year the more it will cost to insure it. Most companies price each vehicle’s coverage based upon how much you drive. Cars and trucks used primarily for pleasure use can be on a lower rate level than cars that get driven a lot. Verify your car insurance coverage states the correct usage. A policy that improperly rates your Explorer is throwing money out the window.
Don’t buy extra policy coverages that may not be needed – There are a ton of additional extra coverages that you can buy on your car insurance policy. Insurance for coverage for rental cars, accident forgiveness, and extra life insurance coverage may be costing you every month. You may think they are a good idea when you first buy your policy, but now you might not need them so think about removing them and cutting costs.
Does insurance cost more for guys? – Over the last 30 years, statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that men are worse drivers. Males and females have fender benders at about the same rate, but the male of the species tend to have higher claims. Not only that, but men also receive more major tickets like DUI and reckless driving. Youthful male drivers are several times more likely to be in an accident so it costs more to insure them.
Occupation can influence premiums – Did you know your car insurance rates can be affected by your occupation? Jobs such as judges, executives and miners generally pay higher rates than the rest of us attributed to job stress and long work hours. On the other hand, professions such as scientists, engineers and retirees get better rates on Explorer coverage.
Marriage discount – Walking down the aisle may earn you lower rates on your car insurance bill. It translates into being more mature and responsible and statistics prove drivers who are married are more cautious.
Your car’s features help determine prices – Choosing a vehicle with a theft deterrent system can save you some money. Theft prevention features like OnStar, LoJack tracking, and tamper alarms all aid in stopping auto theft and help lower rates.
Know your credit score – Having a bad credit score factor in calculating your car insurance rates. Insureds with excellent credit tend to be more responsible than drivers with lower credit ratings. If your credit history is lower than you’d like, you could be paying less to insure your 1996 Ford Explorer by improving your credit score.

Take advantage of these money-saving discounts

Companies that sell car insurance don’t list all possible discounts very well, so below is a list some of the best known in addition to some of the lesser obvious discounts you could be receiving when you buy car insurance online.

Sign Early and Save – Select insurance companies give a discount for buying a policy prior to your current policy expiration. Ten percent is about the average savings.
New Vehicle Savings – Insuring a new car may earn a small discount compared to insuring an older model.
Memberships – Joining qualifying employment or professional organizations is a good way to get lower rates on your policy.
Multi-line Discount – Not every insurance company offers life insurance, but if they do you may earn a break if you buy a life insurance policy as well.
Multi-car Discount – Buying insurance for multiple vehicles with the same company can reduce rates for all insured vehicles.
Senior Discount – Drivers that qualify as senior citizens are able to get better insurance rates on Explorer coverage.
ABS Braking Discount – Vehicles with anti-lock braking systems have fewer accidents and will save you 10% or more.
E-sign – A handful of companies will discount your bill up to fifty bucks get car insurance over the internet.

A quick disclaimer, 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 you would think it’s possible to get free car insurance, it doesn’t quite work that way. But all discounts will positively reduce the amount you have to pay.

Large insurance companies and the discounts they provide are outlined below.

21st Century may have discounts that include anti-lock brakes, defensive driver, theft prevention, student driver, good student, air bags, and early bird.
State Farm includes discounts for multiple policy, Steer Clear safe driver discount, Drive Safe & Save, accident-free, and good student.
AAA offers discounts including AAA membership discount, good driver, pay-in-full, multi-policy, multi-car, and anti-theft.
Liberty Mutual has savings for new graduate, teen driver discount, newly married, safety features, and new move discount.
Progressive policyholders can earn discounts including online quote discount, multi-policy, good student, homeowner, online signing, and continuous coverage.

If you need cheap car insurance quotes, ask every company the best way to save money. Savings may not apply to policies in your area. To find insurance companies who offer discounts, click here to view.

Do I need special coverages?

When it comes to choosing the best insurance coverage for your personal vehicles, there is no one size fits all plan. Your needs are not the same as everyone else’s.

For example, these questions can aid in determining whether your personal situation could use an agent’s help.

What is PIP insurance?
Can I pay claims out-of-pocket if I buy high deductibles?
Should I buy only the required minimum liability coverage?
Does liability extend to a camper or trailer?
How much underlying liability do I need for an umbrella policy?
How do I insure my teen driver?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Insurance coverages 101

Understanding the coverages of your insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Collision coverage

This coverage covers damage to your Explorer resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like colliding with another moving vehicle, crashing into a ditch and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive coverage

Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like vandalism, hail damage, a tree branch falling on your vehicle, hitting a deer and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability insurance

Liability coverage can cover damage that occurs to a person or their property in an accident. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage protects against claims such as structural damage, bail bonds, emergency aid and attorney fees. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for expenses for nursing services, chiropractic care, EMT expenses and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Ford Explorer.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Pennies from heaven

We just presented many ideas to get a better price on 1996 Ford Explorer insurance. The key concept to understand is the more providers you compare, the higher your chance of finding cheap car insurance. Consumers may even find the biggest savings come from the smaller companies.

Budget-friendly auto insurance is definitely available from both online companies in addition to many insurance agents, so you need to shop car insurance with both to have the best rate selection. Some companies do not provide rate quotes online and many times these smaller companies provide coverage only through independent agents.

Drivers leave their current company for any number of reasons including denial of a claim, lack of trust in their agent, extreme rates for teen drivers or being labeled a high risk driver. Whatever your reason, finding a new auto insurance company is pretty easy and you might even save some money in the process.