Save on 2011 Ford Explorer Insurance Rates

Looking for the cheapest auto insurance rates for your Ford Explorer? Finding the cheapest insurance for your Ford Explorer could be an all-consuming task, but you can learn our auto insurance buying tips and make it easy. There are both good and bad ways to find auto insurance online and we’ll show you the best way to price shop coverage for your Ford and find the best price possible either online or from local insurance agents.

It’s important to compare rates occasionally due to the fact that insurance rates are variable and change quite frequently. If you had the best deal for Explorer coverage a few years ago other companies may now be cheaper. You can search a lot of auto insurance out there, but in just a couple of minutes you can learn some tested techniques to save money.

If you have a policy now or are shopping for new coverage, you can use these tips to find the best rates while maintaining coverages. Buying affordable protection is quite easy. Drivers just need to know the proper way to get comparison rates over the internet.

How to compare car insurance quotes

Shopping for lower car insurance rates can be a lot of work if you aren’t aware of the most efficient way. You could spend the better part of a day driving to agents in your area, or you could use online quotes to get prices fast.

All the larger companies belong to a marketplace where prospective buyers submit one quote, and each company provides a quote. This saves time by eliminating form submissions to each individual car insurance company.

To use this form to compare rates click here (opens in new window).

The single downside to pricing coverage this way is buyers cannot specifically choose which providers you want to price. If you wish to select from a list of companies to receive pricing from, we have a listing of low cost car insurance companies in your area. Click here to view list.

Whichever way you use, double check that you are using identical coverage data on every quote. If your comparisons have different values for each quote it’s not possible to truly determine the lowest rate.

Insurance coverage policy discounts

Insurance coverage is not cheap nor is it fun to buy but you might already qualify for some discounts that may help make it more affordable. Many of these discounts will be applied automatically when you purchase, but some need to be manually applied prior to receiving the credit.

• Good Student – Being a good student could provide a savings of up to 20% or more. Most companies allow this discount up until you turn 25.
• Driver’s Ed – Reduce the cost of insurance for teen drivers by having them complete a driver education course if it’s offered in school.
• Telematics Data – Drivers who elect to allow their insurance coverage company to track driving patterns by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive may get a rate reduction if they have good driving habits.
• Policy Bundle Discount – If you have multiple policies with the same company you could save approximately 10% to 15%.
• ABS Brakes – Cars with ABS braking systems or traction control can reduce accidents and qualify for as much as a 10% discount.
• Save with a New Car – Buying a new car instead of a used car can cost up to 25% less because new model year vehicles have to meet stringent safety requirements.
• Senior Citizen Discount – Older drivers can possibly qualify for lower premium rates for Explorer coverage.

As a footnote on discounts, some credits don’t apply the the whole policy. Most only reduce individual premiums such as collision or personal injury protection. Despite the appearance that it’s possible to get free car insurance, it’s just not the way it works.

Popular insurance coverage companies and their possible discounts are shown below.

• Progressive has savings for online signing, continuous coverage, homeowner, good student, and multi-policy.
• AAA may include discounts for multi-policy, AAA membership discount, good student, education and occupation, anti-theft, multi-car, and good driver.
• Farmers Insurance offers premium reductions for mature driver, bundle discounts, multi-car, pay in full, and teen driver.
• Geico has discounts for anti-theft, defensive driver, multi-policy, daytime running lights, military active duty, emergency military deployment, and good student.
• Esurance discounts include online quote, claim free, emergency road assistance, safety device, paid-in-full, and Pac-12 alumni.
• SAFECO offers discounts for homeowner, teen safe driver, multi-car, bundle discounts, and drive less.
• State Farm policyholders can earn discounts including good student, multiple autos, Steer Clear safe driver discount, anti-theft, good driver, student away at school, and passive restraint.

It’s a good idea to ask every insurance company which discounts you qualify for. Some of the earlier mentioned discounts may not be offered in your area. To see insurance coverage companies who offer discounts, follow this link.

How do I know if I need professional advice?

When it comes to choosing the right insurance coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine if your situation would benefit from professional advice.

• How much liability insurance is required?
• Is my 2011 Ford Explorer covered for flood damage?
• Do I have any recourse if my insurance company denies a claim?
• Do all my vehicles need collision coverage?
• What is high-risk coverage and where do I buy it?
• When should my teen driver be added to my policy?
• Should I rate my 2011 Ford Explorer as pleasure use or commute?
• Do I need PIP coverage since I have good health insurance?

If it’s difficult to answer those questions then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and can help protect your family.

Car insurance coverages for a 2011 Ford Explorer

Understanding the coverages of your insurance policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Ford Explorer.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Collision coverages – Collision coverage pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like damaging your car on a curb, scraping a guard rail, driving through your garage door, backing into a parked car and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for expenses such as dental work, doctor visits, prosthetic devices and funeral costs. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Liability car insurance – Liability insurance provides protection from damage or injury you incur to people or other property. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims such as medical services, attorney fees and emergency aid. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from flooding, hail damage, theft and a broken windshield. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.