Compare 2013 Ford Explorer Car Insurance Quotes

Are you at wits end from sacrificing to buy auto insurance? You have the same problem as millions of other people. Many car insurance companies vie to insure your vehicles, so it can be very hard to choose a provider and get the best coverage at the lowest price

It’s a good habit to do price comparisons before your next renewal because auto insurance prices are constantly changing. Even if you got the lowest price for Explorer insurance six months ago you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to one of the quickest ways to save money, get proper deductibles and limits, all at the lowest rate.

The easiest way to get policy rate comparisons takes advantage of the fact all the major auto insurance companies participate in a system to give you rate quotes. To start a quote, the only thing you need to do is provide the companies a bit of rating information such as if you went to college, whether or not you need a SR-22, how many miles driven, and driver ages. Your rating data is automatically sent to many highly-rated insurers and they return quotes with very little delay.

You may qualify for discounts

Car insurance is easily one of your largest bills, but you may qualify for discounts to help bring down the price. Larger premium reductions will be automatically applied at the time of purchase, but some discounts are required to be asked for before you get the savings.

  • Homeowners Discount – Simply owning a home can save a few bucks because maintaining a house requires personal responsibility.
  • Telematics Data – Insureds who allow companies to track their driving habits by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction if they have good driving habits.
  • Good Student – Getting good grades may save as much as 25% on a insurance quote. This discount can apply up until you turn 25.
  • Accident Free – Drivers with accident-free driving histories get the best car insurance rates as opposed to policyholders that have many claims.
  • Low Mileage Discounts – Fewer annual miles on your Ford may allow you to get lower prices due to less chance of an accident.
  • Discount for Passive Restraints – Vehicles equipped with air bags or motorized seat belts may get savings of 20% or more.

It’s important to note that most credits do not apply to your bottom line cost. Some only reduce specific coverage prices like collision or personal injury protection. Even though the math looks like all those discounts means the company will pay you, that’s just not realistic. Any amount of discount will cut your policy premium.

The best car insurance companies and some of the discounts are:

  • Progressive offers premium reductions for continuous coverage, online signing, online quote discount, multi-policy, good student, and multi-vehicle.
  • Geico has savings for good student, membership and employees, driver training, emergency military deployment, and anti-lock brakes.
  • State Farm offers discounts for good student, anti-theft, multiple autos, accident-free, defensive driving training, and passive restraint.
  • Esurance may include discounts for anti-lock brakes, good driver, safety device, Switch & Save, and Pac-12 alumni.
  • The Hartford discounts include vehicle fuel type, air bag, bundle, anti-theft, and driver training.

If you want inexpensive insurance quotes, ask all the companies what discounts are available to you. Some discounts may not be offered in every state.

Save money with these tips

Many different elements are part of the calculation when quoting car insurance. Some of the criteria are obvious like your driving record, but some are more obscure like where you live or your financial responsibility.Part of the auto insurance buying process is learning some of the factors that come into play when calculating your premiums. If you have a feel for what influences your rates, this enables informed choices that will entitle you to much lower annual insurance costs.

  • Age of drivers impacts costs – Inexperience drivers are proven to be inattentive and easily distracted when at the wheel of a vehicle so auto insurance rates are higher. Adding a teen driver to your policy can cause a big jump in price. More experienced drivers are more cautious drivers, are lower risk to insure and receive fewer citations.
  • Safety ratings are a factor – Vehicles with good safety scores are cheaper to insure. Safer cars reduce the chance of injuries and any reduction in injury severity means less claims paid and more competitive rates for policyholders. If your Ford Explorer has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • lapses raise rates – Letting your insurance expire is a guaranteed way to increase your rates. Not only will rates go up, getting caught without coverage may earn you fines or a revoked license.
  • Vehicle features that lower prices – Buying a car that has an advanced theft prevention system can get you a discount on your auto insurance. Theft deterrent systems like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your vehicle from being stolen.
  • Gender matters – Statistics demonstrate that women are safer drivers than men. This data doesn’t prove that males are worse at driving than females. Both genders get in at-fault accidents in similar numbers, but the males cause more damage and cost insurance companies more money. They also get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly. Male teenagers are most likely to cause an accident so they pay the highest premiums.
  • More people means more accidents – Choosing to live in less populated areas is a good thing when insuring your vehicles. Drivers in populated areas have congested traffic and longer commute times. Fewer drivers translates into fewer accidents.

There’s no such thing as the perfect insurance coverage policy

When it comes to buying the right insurance coverage, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions may help highlight whether or not you could use an agent’s help.

  • When does my teenage driver need to be added to my policy?
  • Are my friends covered when driving my car?
  • What happens if I owe more than my 2013 Ford Explorer is worth?
  • Does my medical payments coverage pay my health insurance deductible?
  • Are my tools covered if they get stolen from my vehicle?
  • When should I drop full coverage on my 2013 Ford Explorer?
  • Do I need roadside assistance coverage?
  • What can I do if my company won’t pay a claim?
  • Do I need motorclub coverage?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Specifics of your auto insurance policy

Learning about specific coverages of a auto insurance policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverages offered by auto insurance companies.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as damage to your 2013 Ford Explorer.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Collision coverages – This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like hitting a mailbox, rolling your car, sustaining damage from a pot hole and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Liability coverage – This provides protection from damage that occurs to other’s property or people that is your fault. 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. You commonly see policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability can pay for things like loss of income, funeral expenses, medical services, bail bonds and structural damage. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Comprehensive auto insurance – Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from a tornado or hurricane, hitting a deer and damage from flooding. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like EMT expenses, rehabilitation expenses, surgery, pain medications and hospital visits. They are utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

At the end of the day…

In this article, we covered a lot of information how to reduce 2013 Ford Explorer insurance car insurance rates online. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. Drivers may discover the lowest car insurance rates are with a small local company. These companies can often insure niche markets at a lower cost than their larger competitors like State Farm and Allstate.

When shopping online for insurance coverage, do not buy less coverage just to save a little money. In many cases, consumers will sacrifice full coverage only to regret that the savings was not a smart move. Your strategy should be to buy a smart amount of coverage at the best cost, but do not sacrifice coverage to save money.

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