I can’t think of a single person who enjoys paying for insurance, especially knowing the prices are way too high. Online insurance companies like Progressive, State Farm and Geico promote their brand names with ads and it can be hard to see past the geckos and flying pigs and do the work needed to find the best deal.
Auto insurance is not an enjoyable expense, but you may find discounts that you may not even be aware of. Certain discounts will be triggered automatically when you get a quote, but less common discounts must be inquired about prior to getting the savings. If you check and find you aren’t receiving every discount you deserve, you are not getting the best rate possible.
We need to note that most discount credits are not given the the whole policy. A few only apply to specific coverage prices like physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, company stockholders wouldn’t be very happy. Any amount of discount should help lower the amount you pay for coverage.
Popular auto insurance companies and their possible discounts are included below.
When quoting, ask each company what discounts are available to you. Some discounts may not apply to policies in your area. To view insurers with discount auto insurance rates, click here.
An important part of buying insurance is that you know the rating factors that aid in calculating your insurance rates. If you have a feel for what determines base rates, this helps enable you to make changes that could help you find lower premium levels.
The list below includes some of the major factors that factor into your prices.
When it comes to buying the right insurance coverage, there really is no one size fits all plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions may help you determine whether your personal situation would benefit from professional advice.
If you’re not sure about those questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.
Knowing the specifics of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Below you’ll find the normal coverages offered by insurance companies.
This coverage protects you from damages or injuries you inflict on other people or property in an accident. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.
Liability coverage protects against claims such as funeral expenses, bail bonds, repair costs for stationary objects, pain and suffering and emergency aid. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.
Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Ford Explorer Sport Trac.
Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.
Medical payments and Personal Injury Protection insurance provide coverage for expenses such as prosthetic devices, X-ray expenses, surgery, hospital visits and pain medications. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay
Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things such as hitting a deer, damage from flooding and a tree branch falling on your vehicle. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
This pays for damage to your Explorer Sport Trac caused by collision with another car or object. A deductible applies then your collision coverage will kick in.
Collision coverage protects against things like damaging your car on a curb, colliding with a tree, colliding with another moving vehicle and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also raise the deductible to bring the cost down.
When searching for affordable car insurance quotes, don’t be tempted to reduce needed coverages to save money. There are too many instances where an insured cut liability limits or collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The aim is to purchase a proper amount of coverage at a price you can afford, but don’t skip important coverages to save money.
We just showed you many ideas to reduce 2008 Ford Explorer Sport Trac insurance auto insurance rates online. The key concept to understand is the more companies you get premium rates for, the better chance you’ll have of finding low cost car insurance. Drivers may discover the lowest auto insurance rates are with a smaller regional carrier. These companies may only write in your state and offer lower premium rates than the large multi-state companies such as Allstate and Progressive.
Much more information about car insurance is available below: