Lower Your 2006 Ford Explorer Car Insurance Rates

Trying to find the cheapest insurance coverage rates for your Ford Explorer? Do you get exhausted from being strong-armed to pay your insurance coverage bill each month? You have the same problem as many other drivers. Drivers have multiple insurance companies to pick from, and although it’s nice to have a selection, so many choices can make it hard to find a good deal.

Informed consumers know how to quote insurance cheaper

Consumers need to have an understanding of some of the elements that help determine your insurance rates. When consumers understand what determines base rates, this empowers consumers to make smart changes that may reward you with better insurance rates. Many things are part of the equation when premium rates are determined. Some of the criteria are obvious such as traffic violations, but some are less obvious like where you live or your commute time.

  • Save money by having multiple policies – The majority of insurance companies give lower prices to customers who have multiple policies with them such as combining an auto and homeowners policy. Even if you’re getting this discount drivers will still want to shop around to help ensure you have the lowest rates.
  • Careless driving means higher costs – Your driving citation history impacts premiums far more than you think. Good drivers get better prices as compared to those with violations. Having a single moving violation can increase rates to the point where it’s not affordable. Drivers with multiple violations like reckless driving, hit and run or driving under the influence may be required to prove financial responsibility with their state motor vehicle department in order to legally drive a vehicle.
  • Never go without insurance – Not having insurance can get you a ticket and any future policy may cost more because you let your coverage lapse. In addition to paying higher rates, not being able to provide proof of insurance could result in fines or a revoked license. You may then be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Policy claims cost money – Insurance companies generally give the lowest premiums to policyholders that do not abuse their auto insurance. If you are a frequent claim filer, you can pretty much guarantee either policy cancellation or increased premiums. Your car insurance is designed for the bigger claims that can’t be paid out-of-pocket.

The fastest way that we advise to get rate comparisons is to realize most of the bigger providers participate in online systems to give free rates quotes. To begin a comparison, all you need to do is provide details such as how much coverage you want, what your job is, whether your vehicle is owned or leased, and types of safety features. Your details is then submitted to multiple auto insurance providers and you receive quotes quickly.

Lower rates by qualifying for discounts

Car insurance can be pricey, but you might find some hidden discounts to reduce the price significantly. Certain discounts will be applied at quote time, but once in a while a discount must be asked about prior to receiving the credit.

  • Professional Memberships – Being a member of a qualifying organization could trigger savings when getting a insurance quote.
  • Homeowners Discount – Being a homeowner can save you money due to the fact that maintaining a home is proof of financial responsibility.
  • Distant Student Discount – Youth drivers who are enrolled in a college that is more than 100 miles from home without a vehicle on campus could qualify for this discount.
  • Braking Control Discount – Cars, trucks, and SUVs with ABS and/or traction control can reduce accidents so companies give up to a 10% discount.
  • Claim-Free Discount – Drivers with accident-free driving histories have much lower rates when compared to drivers with a long claim history.
  • Federal Employees – Having worked for a branch of the government could cut as much as 10% off on Explorer coverage depending on your company.
  • Senior Discount – Drivers that qualify as senior citizens may receive a small discount on rates on Explorer coverage.
  • Theft Deterent – Anti-theft and alarm system equipped vehicles help deter theft and can earn a small discount on your policy.

Keep in mind that many deductions do not apply the the whole policy. Most only reduce individual premiums such as comprehensive or collision. Even though it appears having all the discounts means you get insurance for free, companies wouldn’t make money that way.

Companies that may offer quotes with these money-saving discounts include:

When getting free insurance quotes, it’s a good idea to every insurance company the best way to save money. Savings may not apply in your area. To see a list of insurance companies who offer free car insurance quotes, click here.

Car insurance is unique, just like you

When it comes to buying proper insurance coverage, there really is no “best” method to buy coverage. Each situation is unique and your policy should reflect that. For instance, these questions may help you determine whether you might need an agent’s assistance.

  • Should I have a commercial auto policy?
  • Is a new car covered when I drive it off the dealer lot?
  • Are my friends covered when driving my car?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do all my vehicles need collision coverage?
  • Should I buy only the required minimum liability coverage?
  • Is other people’s property covered if stolen from my vehicle?
  • Are split liability limits better than a combined single limit?
  • How do I file an SR-22 for a DUI in my state?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.

Car insurance policy specifics

Learning about specific coverages of car insurance helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find the normal coverages found on most car insurance policies.

Liability

This can cover damages or injuries you inflict on people or other property. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as funeral expenses, medical services, structural damage and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

Collision insurance

Collision insurance pays for damage to your Explorer caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like backing into a parked car, driving through your garage door and scraping a guard rail. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as falling objects, theft, hitting a bird, vandalism and damage from getting keyed. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical costs insurance

Med pay and PIP coverage pay for short-term medical expenses such as ambulance fees, nursing services, dental work, rehabilitation expenses and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Find Good Coverage for Less

Budget-conscious 2006 Ford Explorer insurance is attainable online as well as from insurance agents, so you should be comparing quotes from both to have the best rate selection. Some companies do not offer price quotes online and usually these smaller providers sell through independent insurance agencies.

In this article, we covered a lot of techniques to shop for 2006 Ford Explorer insurance online. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. You may be surprised to find that the best price on car insurance is with a small local company. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as Allstate, Geico and Progressive.

When you buy insurance online, don’t be tempted to skimp on coverage in order to save money. There have been many cases where an accident victim reduced full coverage and found out when filing a claim they didn’t have enough coverage. The proper strategy is to find the BEST coverage at a price you can afford, but do not skimp to save money.

Much more information about car insurance can be found below: