Cheaper 2014 Ford Explorer Insurance Cost

Want better auto insurance rates for your Ford Explorer? Purchasing the cheapest auto insurance can seem to be impossible for vehicle owners new to price shopping over the internet. With so many agents and companies, how are vehicle owners expected to even start to compare every one to find cheaper auto insurance rates?

Why you might pay lower rates

Lots of things are used when quoting car insurance. A few of the factors are predictable such as traffic violations, but other factors are not as apparent such as your marital status or how financially stable you are.

Shown below are most of the major factors insurance coverage companies consider when setting your prices.

  • Excellent credit saves on insurance coverage – Having a bad credit history is a large factor in calculating your premium rate. People that have excellent credit tend to file fewer claims and have better driving records than those with worse credit. So if your credit leaves room for improvement, you could save money insuring your 2014 Ford Explorer by improving your credit score.
  • Theft deterrents save – Driving a car that has a built-in theft deterrent system can help lower your rates. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping car theft.
  • Compare rates if you consolidate your policies – Most larger companies provide discounts to clients who consolidate policies with them such as combining an auto and homeowners policy. This can amount to 10 percent or more. Even though this discount sounds good, it’s still a good idea to check prices from other companies to ensure the best deal.There is a good possibility that you can find a better deal by splitting coverages up.
  • More mileage equals more premium – The more miles you rack up on your Ford each year the more you’ll pay to insure it. Most companies calculate rates based on their usage. Autos that are left in the garage qualify for better rates than those used for commuting. It’s a smart idea to ensure your policy is showing the right rating data, because improper ratings can cost you money. An improperly rated Explorer can result in significantly higher rates.
  • Minor frequent claims are not good – Insurance companies provide lower rates to people that do not abuse their auto insurance. If you are a frequent claim filer, you can expect much higher rates or policy non-renewal. Insurance coverage is intended to be relied upon for more catestrophic claims.

The quickest method we recommend to compare car insurance company rates is to understand most of the bigger providers allow for online access to compare rate quotes. All you need to do is provide a little information including how old drivers are, types of safety features, whether you are single or married, and how many miles driven. The data is instantly submitted to multiple companies and you get price estimates instantly.

If you wish to get multiple quotes for your car now, click here then complete the form.

Are insurance companies telling the truth?

Progressive, Allstate and Geico continually stream ads in print and on television. All the companies make the point about savings if you move to their company. But how can every company make the same claim? This is the way they can do it.

Insurance providers quote the lowest rates for the type of customer that will add to their bottom line. An example of this type of driver could possibly be a female over age 40, has had continuous coverage, and drives a lower-performance vehicle. A customer getting a price quote who matches that profile gets the lowest car insurance rates and as a result will probably save a lot if they switch.

Potential customers who don’t meet those standards must pay higher rates which leads to the customer buying from a different company. The trick companies use is to say “drivers that switch” but not “everyone who gets a quote” save that much money. That’s why insurance companies can confidently make claims like that.

Because every company is different, drivers should get as many free car insurance quotes as possible. It’s just too difficult to predict with any certainty which company will have the lowest prices for your situation.

Earn discounts on auto insurance

Companies offering auto insurance don’t always publicize all their discounts very well, so the list below gives a summary of both well-publicized and also the more inconspicuous credits available to lower your premiums when you buy car insurance online.

  • Good Student – Maintaining excellent grades can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
  • Mature Driver Discount – If you qualify as a senior citizen, you may receive a slight reduction on a car insurance quote on Explorer insurance.
  • Military Discounts – Being on active deployment in the military could trigger a small discount.
  • One Accident Forgiven – Not necessarily a discount, but certain companies may permit one accident without getting socked with a rate hike if you are claim-free prior to being involved in the accident.
  • Accident-Free Discounts – Drivers with accident-free driving histories can earn big discounts when compared to accident-prone drivers.
  • Anti-lock Brake Discount – Cars and trucks with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
  • College Student Discount – College-age children who are attending college and do not have a car may be able to be covered for less.
  • Club Memberships – Affiliation with a professional or civic organization could earn you a nice discount on your next renewal.
  • Discount for Multiple Policies – If you insure your home and vehicles with one insurance company you could get a discount of as much as 10 to 15 percent.

As is typical with insurance, most discount credits are not given to all coverage premiums. A few only apply to individual premiums such as medical payments or collision. Despite the appearance that all the discounts add up to a free policy, you won’t be that lucky.

Companies that may offer many of the previously listed discounts may include but are not limited to:

Check with every company which credits you are entitled to. Some of the earlier mentioned discounts may not apply in your area. If you would like to choose from a list of providers who offer auto insurance discounts, click here to view.

Tailor your insurance coverage coverage to you

When buying the best insurance coverage coverage for your personal vehicles, there really is not a best way to insure your cars. Every insured’s situation is different.

For example, these questions may help highlight whether or not you will benefit from professional help.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I better off with higher deductibles on my 2014 Ford Explorer?
  • Can I rent a car in Mexico?
  • Am I getting all the discounts available?
  • How much liability coverage do I need in my state?
  • What is medical payments coverage?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Auto insurance coverages

Knowing the specifics of a insurance policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Auto liability insurance

Liability insurance provides protection from damage that occurs to other people or property in an accident. This coverage protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers things such as legal defense fees, structural damage, attorney fees and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these limits are set the same as your liablity limits.

Coverage for collisions

Collision coverage will pay to fix damage to your Explorer caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as backing into a parked car, hitting a mailbox, crashing into a building and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Medical expense coverage

Med pay and PIP coverage kick in for bills for funeral costs, surgery, chiropractic care, nursing services and prosthetic devices. They can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive protection

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hail damage, a tree branch falling on your vehicle, falling objects, a broken windshield and hitting a deer. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Be a Smart Shopper

We just presented many tips how you can compare 2014 Ford Explorer insurance rates online. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. You may even find the lowest rates come from a lesser-known regional company.

Budget-friendly auto insurance is definitely available from both online companies and with local insurance agents, and you should be comparing both to have the best chance of lowering rates. A few companies don’t offer online quoting and most of the time these small insurance companies provide coverage only through independent agencies.

Consumers change insurance companies for a number of reasons such as an unsatisfactory settlement offer, policy non-renewal, extreme rates for teen drivers and even poor customer service. Whatever your reason, finding a new company is not as difficult as it may seem.

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