View 2008 Ford Explorer Sport Trac Insurance Quotes

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.

Cheaper auto insurance quotes with discounts

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.

  • Theft Deterent Discount – Cars and trucks with anti-theft systems can help prevent theft and can earn a small discount on your policy.
  • Federal Employees – Active or former government employment could qualify for a slight premium decrease on Explorer Sport Trac insurance depending on your auto insurance provider.
  • Multi-policy Discount – When you have multiple policies with the same company you could save at least 10% off all policies.
  • Senior Citizens – Seniors can get a discount up to 10% on Explorer Sport Trac insurance.
  • Military Discounts – Having a deployed family member can result in better auto insurance rates.
  • Low Mileage Discounts – Fewer annual miles on your Ford may enable drivers to earn lower prices due to less chance of an accident.

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.

  • Progressive may have discounts that include online quote discount, good student, continuous coverage, homeowner, and online signing.
  • MetLife discounts include good driver, good student, accident-free, multi-policy, and claim-free.
  • Mercury Insurance may include discounts for multi-policy, location of vehicle, accident-free, age of vehicle, and ease of repair.
  • Nationwide has savings for accident-free, defensive driving, good student, multi-policy, family plan, anti-theft, and Farm Bureau membership.
  • Geico offers discounts for emergency military deployment, good student, federal employee, membership and employees, seat belt use, and anti-lock brakes.
  • AAA may offer discounts for education and occupation, good student, multi-car, good driver, and anti-theft.

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.

What determines Ford Explorer Sport Trac insurance premiums?

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.

  • Increase coverage deductibles and save – Physical damage deductibles represent how much money you are willing to pay if the claim is covered. Coverage for physical damage, also called ‘full coverage’, covers damage that occurs to your car. Some examples of covered claims are collision with another vehicle, animal collisions, and damage from wind. The more you pay before a claim is paid (deductible), the lower your rates will be on Explorer Sport Trac insurance.
  • Car and home together may be cheaper – Some insurance companies will give discounts to insureds who carry more than one policy, otherwise known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. Even with this discount applied, you still need to check prices from other companies to help ensure you have the lowest rates. Consumers may find better rates by buying insurance from a different company.
  • Which gender costs less? – Statistics have proven females are less aggressive when driving. That doesn’t necessarily mean that females are better drivers. They both get in at-fault accidents at about the same rate, but the men tend to have higher claims. Men also tend to get higher numbers of serious violations like driving under the influence (DUI).
  • Extra policy coverages can add up – Insurance companies have many extra add-on coverages that you can get tricked into buying if you aren’t careful. Things like replacement cost coverage, towing, and motor club memberships are examples of these. They may seem like a good idea when talking to your agent, but if they’re wasting money consider taking them off your policy.
  • Choose high crash test ratings and save – Safer cars get lower rates. The safest vehicles have better occupant injury protection and lower injury rates means your insurance company pays less which can mean better rates for you. If your Ford Explorer Sport Trac is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Traffic violations inflate premiums – Having a clean driving record impacts premiums far more than you think. Just one citation may cause rates to rise by as much as twenty percent. Good drivers have lower premiums than their less careful counterparts. Drivers who have careless violations such as DUI or willful reckless driving may need to submit a SR-22 form with their state DMV in order to prevent a license revocation.
  • Costs may be higher where you live – Residing in less populated areas of the country can be a good thing when buying insurance. Fewer drivers and short commutes means fewer accidents. People who live in big cities have to deal with more traffic problems and more severe claims. More time behind the wheel statistically corresponds to a higher accident and claim rate.

Tailor your insurance coverage to you

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.

  • Do I need more liability coverage?
  • Am I insured when driving a different vehicle?
  • Is pleasure use cheaper than using my 2008 Ford Explorer Sport Trac to commute?
  • Should I have combined single limit or split liability limits?
  • When should I buy a commercial auto policy?
  • Am I better off with higher deductibles on my 2008 Ford Explorer Sport Trac?
  • Are my friends covered when driving my car?
  • Am I covered when using my vehicle for business?
  • Should I file a claim if it’s only slightly more than my deductible?

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.

Insurance coverage breakdown

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.

Coverage for liability

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.

Uninsured Motorist or Underinsured Motorist insurance

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.

Insurance for medical payments

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 coverage (or Other than Collision)

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.

Auto collision 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.

Keep this in mind

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.

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