How Much Does 2007 Ford Explorer Sport Trac Car Insurance Cost?

Want better insurance coverage rates for your Ford Explorer Sport Trac? Trying to find better insurance prices for a Ford Explorer Sport Trac can be a painful process, but you can learn a few tricks to find lower rates. There are more efficient ways to find insurance coverage online and you need to know the best way to get price quotes for a new or used Ford and obtain the cheapest rates from both online companies and local agents.

It’s a great practice to get comparison quotes yearly since prices trend upward over time. Just because you had the best rates for Explorer Sport Trac coverage a couple years back there may be better deals available now. There is a lot of bad information regarding insurance coverage online but in this article, you’re going to get some great ideas on how to put money back in your pocket.

If you have insurance now or are just looking to switch companies, you can use these techniques to find better prices while maximizing coverage. Locating affordable protection is quite easy. Drivers just need to learn the tricks to buy insurance online.

Finding car insurance

Finding a lower price on 2007 Ford Explorer Sport Trac insurance is pretty simple and can save money. The only requirement is to take the time to get quotes to see which company has affordable auto insurance quotes. This can be accomplished using one of these methods.

The recommended way to get quotes for comparison would be an industry-wide quote request form click to view form in new window. This type of form prevents you from having to do multiple quote forms for each company. One simple form compares rates from all major companies.It’s the quickest way to get rates.

A more time consuming way to find lower rates consists of going to the website for every company you want to comare to complete a price quote. For example, we’ll assume you are doing a rate comparison from Allstate, Esurance and Geico. You would have to navigate to each company’s site and repeatedly type in your coverage information, and that explains why we recommend the first method.

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

The old school way to find cheaper rates is physically going to all the different insurance agencies. Comparing rate quotes online makes this unnecessary unless you’re the type of person who wants the guidance of a local agent. You can, however, compare online quotes but buy from a local insurance agent.

The method you choose is up to you, but make sure you use the exact same coverage limits and deductibles for each comparison quote. If each company quotes different data it will be very difficult to find the best deal for your Ford Explorer Sport Trac.

More affordable rates with these auto insurance discounts

Some companies don’t always advertise all available discounts in a way that’s easy to find, so the list below gives a summary of a few of the more common as well as some of the hidden discounts that may be available. If you check and find you aren’t receiving every discount you deserve, you are paying more than you should be.

Memberships – Affiliation with qualifying clubs or civic groups could trigger savings on auto insurance.
Good Students Pay Less – A discount for being a good student can get you a discount of up to 25%. This discount can apply up to age 25.
Anti-lock Brake Discount – Cars and trucks with ABS braking systems or traction control are safer to drive so companies give up to a 10% discount.
Accident-Free Discounts – Drivers with accident-free driving histories have much lower rates in comparison with frequent claim filers.
E-sign Discounts – Some of the larger companies give back up to $50 get auto insurance over the internet.
Multi-policy Discount – If you can bundle your auto and homeowners insurance with one insurance company you may earn up to 20% off your total premium.

As is typical with insurance, most credits do not apply to your bottom line cost. Most only reduce individual premiums such as physical damage coverage or medical payments. If you do the math and it seems like you could get a free auto insurance policy, insurance companies wouldn’t stay in business.

Large auto insurance companies and a selection of discounts are detailed below.

Progressive has savings for multi-vehicle, continuous coverage, online signing, good student, and multi-policy.
SAFECO includes discounts for safe driver, anti-theft, multi-car, homeowner, accident prevention training, drive less, and teen safe driver.
American Family offers premium reductions for early bird, TimeAway discount, defensive driver, air bags, bundled insurance, Steer into Savings, and mySafetyValet.
MetLife policyholders can earn discounts including defensive driver, multi-policy, accident-free, claim-free, and good driver.
Geico offers discounts including emergency military deployment, federal employee, air bags, anti-theft, and multi-vehicle.
The Hartford may have discounts that include driver training, good student, air bag, vehicle fuel type, and defensive driver.

If you are trying to find cheaper auto insurance quotes, ask each company which discounts they offer. Some discounts listed above may not apply to policyholders in your area. To see a list of companies who offer cheap auto insurance quotes, click this link.

Insurance coverage can get complicated

When choosing the right insurance coverage, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help you determine if your situation might need an agent’s assistance.

Does coverage extend to Mexico or Canada?
Is a new car covered when I drive it off the dealer lot?
Should I have combined single limit or split liability limits?
Is a blown tire covered by insurance?
Does my liability insurance cover pulling a trailer or camper?
How much liability insurance is required?
When should I drop full coverage on my 2007 Ford Explorer Sport Trac?
Am I covered if hit by an uninsured driver?
Do I need added coverage for expensive stereo equipment?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form. It is quick, free and you can get the answers you need.

Insurance coverages and their meanings

Having a good grasp of your policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Liability

This coverage will cover damage that occurs to people or other property in an accident. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things like pain and suffering, loss of income, attorney fees, funeral expenses and medical services. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Coverage for collisions

Collision insurance will pay to fix damage to your Explorer Sport Trac 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 protects against claims like hitting a mailbox, sustaining damage from a pot hole, rolling your car and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 2007 Ford Explorer Sport Trac.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for expenses like nursing services, prosthetic devices, funeral costs and doctor visits. They are utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like falling objects, hitting a bird and fire damage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.