1999 Ford Explorer Insurance Cost – 5 Tricks for Best Prices

Feeling guilty for buying an overpriced car insurance policy? Say no more because many drivers feel the same as you.

Multiple insurance companies compete for your insurance dollar, so it can be very hard to choose a company and get the best coverage at the best rates possible.

Lower rates by qualifying for these five discounts

Some insurers don’t list every discount in a way that’s easy to find, so the following is a list of both the well known and also the lesser-known discounts that you may qualify for.

  • Use Seat Belts – Drivers who require all vehicle occupants to use a seat belt could save 15% off the medical payments premium.
  • Driving Data Discount – Insureds who allow data collection to scrutinize vehicle usage remotely like Drivewise from Allstate or In-Drive from State Farm might see lower rates if they exhibit good driving behavior.
  • Cautious Driver Discount – Insureds without accidents may save up to 50% more for Explorer coverage than less cautious drivers.
  • Discounts for Government Workers – Federal government employees could provide a small rate reduction for Explorer coverage with some car insurance companies.
  • Homeowners Savings – Just being a homeowner can help you save on car insurance since owning and maintaining a home shows financial diligence.

Remember that some credits don’t apply to the entire cost. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Just because you may think you would end up receiving a 100% discount, you’re out of luck.

To see providers with the best discounts, follow this link.

First Step: Get free insurance quotes

Comparing insurance rates can take time and effort if you don’t utilize the most efficient way. You could waste a few hours talking about coverages with local insurance agents in your area, or you could use online quotes to get pricing more quickly.

Most of the larger companies participate in a marketplace that allows shoppers to enter their policy data once, and at least one company returns a rated price for coverage. This saves time by eliminating quote requests for each company you want a rate for.

To get comparison pricing now click to open in new window.

The only downside to comparing rates this way is you can’t choose which companies you will receive quotes from. So if you prefer to pick specific insurance companies to receive pricing from, we have a listing of insurance companies in your area. Click to view list.

Compare rates however you want, just do your best to use nearly identical deductibles and coverage limits for each quote you get. If the quotes have different limits and deductibles on each one it’s impossible to find the best deal for your Ford Explorer. Slightly different limits may result in a large different in cost. And when price shopping your coverage, quoting more helps increase your odds of locating a lower rate. Not every company does prices over the internet, so it’s important to compare price quotes on coverage from those companies, too.

Insurance coverage is unique, just like you

When it comes to buying the right insurance coverage for your personal vehicles, there is no one size fits all plan. Every situation is different so this has to be addressed. For example, these questions might help in determining whether or not you might need an agent’s assistance.

  • Do I really need UM/UIM coverage?
  • I have a DUI can I still get coverage?
  • Am I missing any policy discounts?
  • Does car insurance cover theft of personal property?
  • Am I covered if I drive in a foreign country?
  • Is upholstery damage covered by car insurance?
  • How can I force my company to pay a claim?
  • Should I rate my 1999 Ford Explorer as pleasure use or commute?
  • What is the rate difference between pleasure use and commuting?
  • Do I have any recourse if my insurance company denies a claim?

If you’re not sure about those questions then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Specifics of your insurance policy

Knowing the specifics of insurance can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types offered by insurance companies.

Auto collision coverage

Collision coverage will pay to fix damage to your Explorer caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like colliding with a tree, hitting a parking meter, driving through your garage door, sideswiping another vehicle and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Comprehensive insurance

This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like fire damage, vandalism and a broken windshield. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your Ford Explorer.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like EMT expenses, X-ray expenses and chiropractic care. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Liability car insurance

This coverage can cover injuries or damage you cause to other people or property that is your fault. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things like pain and suffering, structural damage and medical expenses. How much liability coverage do you need? That is a personal decision, but buy higher limits if possible.

In the end, you save

More affordable insurance coverage can be found from both online companies and with local insurance agents, so you need to quote auto insurance with both to have the best selection. Some insurance coverage companies do not offer online quoting and many times these regional carriers only sell coverage through local independent agencies.

As you prepare to switch companies, make sure you don’t buy less coverage just to save a little money. In many instances, an insured dropped liability limits or collision coverage only to regret at claim time that they should have had better coverage. The proper strategy is to buy enough coverage at an affordable rate, but do not sacrifice coverage to save money.

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