How Much Does 2010 Ford Explorer Car Insurance Cost?

Searching for cheaper auto insurance rates for your Ford Explorer? If you are new to getting auto insurance quotes online, it’s easy to get confused due to the large number of online auto insurance companies and websites competing for business.

Consumers should take time to get comparison quotes once or twice a year because insurance rates change frequently. Despite the fact that you may have had the lowest rate for Explorer insurance a couple years back you can probably find a better price now. There is too much inaccurate information about auto insurance on the internet, but I’m going to show you the easiest ways to find cheap auto insurance.

Use discounts to get cheaper insurance coverage quotes

Some providers don’t always publicize all disounts very well, so the list below gives a summary of a few of the more common and also the more inconspicuous ways to save on insurance coverage. If you do not check that you are getting every discount you deserve, you may be paying too high a price.

  • Multiple Policy Discount – If you have multiple policies with the same insurance company you could get a discount of as much as 10 to 15 percent.
  • Accident-Free Discounts – Good drivers with no accidents get the best insurance coverage rates in comparison with frequent claim filers.
  • Switch and Save Discount – Some companies give discounts for renewing your policy early. Ten percent is about the average savings.
  • Seat Belt Usage – Forcing all vehicle occupants to buckle up could save 15% on the premium charged for medical payments and/or PIP.
  • Professional Organizations – Being in qualifying employment or professional organizations is a good way to get lower rates on insurance coverage.
  • E-sign Discounts – A handful of companies will provide an incentive for completing your application on the web.
  • First Accident Forgiveness – Not necessarily a discount, but a handful of insurance companies will allow you to have one accident before raising your premiums if your claims history is clear before the accident.
  • Service Members Pay Less – Being on active deployment in the military may lower your rates slightly.
  • Passenger Safety Discount – Options like air bags or automatic seat belts may earn rate discounts of 20 to 30 percent.

As is typical with insurance, many deductions do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like medical payments or collision. Even though it appears adding up those discounts means a free policy, companies wouldn’t make money that way.

A list of insurance coverage companies and some of the discounts are:

  • State Farm includes discounts for accident-free, passive restraint, safe vehicle, Drive Safe & Save, good student, driver’s education, and Steer Clear safe driver discount.
  • Esurance has discounts for anti-theft, anti-lock brakes, online quote, safety device, defensive driver, good student, and Switch & Save.
  • Progressive offers discounts including multi-policy, good student, continuous coverage, online signing, and multi-vehicle.
  • Liberty Mutual discounts include newly retired, new graduate, preferred payment discount, new vehicle discount, newly married, and multi-policy.
  • Auto-Owners Insurance may have discounts that include safe vehicle, paid in full, anti-theft, air bags, safe driver, multiple vehicles, and good student.
  • Geico offers discounts for daytime running lights, anti-theft, driver training, good student, emergency military deployment, and federal employee.

Before purchasing a policy, check with all the companies which discounts you qualify for. A few discounts might not be available to policyholders in every state. If you would like to choose from a list of providers with discount rates, click here to view.

Tailor your auto insurance coverage to you

When choosing the right insurance coverage, there really is no best way to insure your cars. Every insured’s situation is different.

For instance, these questions may help highlight if you would benefit from an agent’s advice.

  • Am I covered if hit by an uninsured driver?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Should I sign the liability waiver when renting a car?
  • Is business property covered if stolen from my car?
  • Am I covered when driving in Canada or Mexico?
  • Does my personal policy cover me when driving out-of-state?
  • Does my insurance cover my expensive audio equipment?
  • Should I rate my 2010 Ford Explorer as pleasure use or commute?
  • Am I getting all the discounts available?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form.

Does auto insurance advertising bend the truth?

Auto insurance companies such as Allstate, Geico and Progressive constantly bombard you with ads on television and other media. All the ads say the same thing that you can save if you move to them. How is it plausible that every one can charge you less for car insurance? Here is how they do it.

All the different companies have specific characteristics for the driver that will be a good risk. A good example of a profitable risk profile might be a female over age 40, carries high limits, and has a short commute. Someone who meets those qualifications will get low rates and most likely will save money with a new company.

People who fall outside the requirements will probably have to pay higher premium rates which results in the customer not purchasing. If you pay attention, the ads say “people that switch” but not “everyone who gets a quote” save that much when switching. That is how companies can truthfully make claims like that.

Because every company is different, drivers should get auto insurance quotes as often as possible. It is impossible to predict with any certainty which company will provide you with the cheapest premium rates.

Car insurance coverage basics

Understanding the coverages of car insurance helps when choosing appropriate coverage for your vehicles. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Frequently these coverages are similar to your liability insurance amounts.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for bills for X-ray expenses, hospital visits, nursing services and ambulance fees. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Comprehensive coverages

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like vandalism, a broken windshield, damage from getting keyed, damage from flooding and hail damage. The highest amount your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability

Liability coverage protects you from damage or injury you incur to other people or property that is your fault. It protects YOU from legal claims by others, 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. You might see values of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Some companies may use 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 like court costs, loss of income, emergency aid and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Coverage for collisions

Collision coverage will pay to fix damage to your Explorer resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like driving through your garage door, crashing into a building and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

More effort can pay off

You just learned many ways to reduce 2010 Ford Explorer insurance rates online. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding the cheapest auto insurance. Consumers could even find that the lowest priced auto insurance comes from a company that doesn’t do a lot of advertising.

Drivers switch companies for many reasons like policy non-renewal, not issuing a premium refund, poor customer service and high prices. It doesn’t matter why you want to switch finding the right auto insurance provider is easier than you think.

As you shop your coverage around, it’s a bad idea to reduce coverage to reduce premium. Too many times, an insured dropped liability limits or collision coverage only to discover later they didn’t purchase enough coverage. The proper strategy is to buy a smart amount of coverage at the best price, but do not skimp to save money.

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