Compare 2000 Ford Explorer Insurance Quotes

Trying to come up with a payment for high-priced insurance coverage can deplete your family’s budget and make it impossible to make ends meet. Doing a rate analysis can help to cut your insurance bill.

With people having so many different company options, it can be challenging to find the lowest cost insurance coverage company.

Choosing the best insurance company for you is not that difficult. Essentially everyone who carries auto insurance will most likely be able to lower their premiums. Although drivers need to learn how big insurance companies sell online and use this information to your advantage.

Get lower rates by getting discounts

Insurance can be pricey, but there may be some discounts to reduce the price significantly. Some trigger automatically at the time of quoting, but lesser-known reductions have to be manually applied prior to receiving the credit.

  • Low Mileage – Driving less can earn slightly better insurancerates than normal.
  • Memberships – Being a member of a professional or civic organization could earn you a nice discount when shopping for insurance.
  • Good Grades Discount – Excelling in school may save as much as 25% on a insurance coverage quote. This discount can apply until age 25.
  • Driver’s Education for Students – Require your teen driver to take driver’s ed class if it’s offered in school.
  • Theft Deterent – Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.

Discounts save money, but please remember that most of the big mark downs will not be given to your bottom line cost. A few only apply to specific coverage prices like collision or personal injury protection. Just because you may think having all the discounts means you get insurance for free, nobody gets a free ride. Any amount of discount will positively reduce your premiums.

If you would like to choose from a list of providers who offer insurance discounts, click here.

How to buy car insurance online

When shopping for car insurance there are multiple ways to compare quotes from different insurance companies. The recommended way to find the cheapest 2000 Ford Explorer insurance rates is to get quotes online. This can be done in just a few minutes using one of these methods.

  1. The fastest way to get quotes for comparison is an all-inclusive rate comparison (click to open form in new window). This form prevents you from having to do separate forms for each company. Filling out one form will return price quotes from car insurance companies with the best prices.
  2. A slightly less efficient method to analyze rates consists of going to the website of each company and fill out their own quote form. For example, we’ll assume you want to get rates from Progressive, Esurance and State Farm. To do that, you would have to visit each site to input your insurance information, which is not fast way to get rate quotes.

    For a list of companies in your area, click here.

  3. The old school method of comparing rate quotes is physically going to different agent offices. The ability to get quotes online eliminates the need for an insurance agent unless you prefer the guidance that can only be provided by a licensed insurance agent. Drivers can find lower rates online and have a local agent actually service the policy.

The approach you take is up to you, just try to use equivalent coverages for each comparison quote. If the quotes have mixed coverages you will not be able to determine the lowest rate for your Ford Explorer. Just slight variations in coverages can mean a large discrepancy in price. And when quoting car insurance, remember that comparing more rates from different companies will improve the odds of getting a better price. Some regional insurers cannot provide online rate quotes, so you should also compare rates on coverage from those companies, too.

Your auto insurance coverage should be tailored to you

When buying adequate coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is a little different so this has to be addressed. For example, these questions might point out whether or not you will benefit from professional help.

  • Are my friends covered when driving my car?
  • Are rental cars covered under my policy?
  • Are my friends covered when driving my 2000 Ford Explorer?
  • Do I have coverage when pulling a U-Haul trailer?
  • Do I benefit by insuring my home with the same company?
  • Is a fancy paint job covered?
  • What should my uninsured motorist coverage limits be in my state?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Parts of your car insurance policy

Learning about specific coverages of your car insurance policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are the normal coverages available from car insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as damage to your 2000 Ford Explorer.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like falling objects, hitting a bird and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto collision coverage

Collision coverage pays for damage to your Explorer caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like crashing into a ditch, colliding with another moving vehicle and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like chiropractic care, pain medications and dental work. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. It covers all vehicle occupants as well as any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

This provides protection from damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims like medical services, repair costs for stationary objects, legal defense fees and emergency aid. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Money doesn’t grow on trees

When searching for cheap insurance coverage quotes, do not sacrifice coverage to reduce premiums. There have been many cases where someone dropped collision coverage only to regret that it was a big error on their part. Your goal should be to buy the best coverage you can find for the lowest price, but do not skimp to save money.

You just read a lot of ways to reduce 2000 Ford Explorer insurance car insurance rates online. It’s most important to understand that the more rate quotes you have, the better likelihood of getting low cost insurance coverage. You may even discover the best price on insurance coverage is with an unexpected company. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate, Geico and Progressive.

More affordable insurance coverage is available both online and also from your neighborhood agents, so get free insurance coverage quotes from both of them so you have a total pricing picture. Some insurance coverage companies may not have online quoting and many times these small insurance companies work with local independent agencies.

For more information, take a look at the articles below: