2015 Ford Explorer Car Insurance Quotes – 5 Ways to Save

Searching for better insurance prices for a Ford Explorer can be a lot of work, but you can follow these tips and make it easy. There is a right way and a wrong way to find insurance coverage online so we’re going to tell you the absolute fastest way to get price quotes for a Ford and get the lowest price.

Buy insurance coverage online

Comparing insurance coverage rates can take time and effort if you aren’t aware of the most efficient way to do it. You can waste hours talking to local insurance agents in your area, or you can utilize online quoting to maximize your effort.

Many of the larger companies participate in an industry program where prospective buyers submit one quote, and each participating company provides a quote based on the submitted data. This saves time by eliminating quote requests for every insurance coverage company. To enter your information into the quoting system, click here (opens in new window).

The one downside to getting quotes like this is that consumers can’t choose the insurers to get pricing from. So if you want to select specific insurance companies to request quotes from, we have assembled a list of low cost insurance coverage companies in your area. Click here to view list.

You can choose any of those ways to find more affodable coverage, but be sure to compare equivalent coverages on every price quote you get. If you enter different data it will be nearly impossible to get a fair rate comparison.

More discounts mean cheap premiums

Companies offering auto insurance do not list their entire list of discounts very clearly, so the list below contains both well-publicized and also the more inconspicuous discounts that may be available.

  • Memberships – Belonging to a civic or occupational organization can get you a small discount on your next insurance coverage statement.
  • Theft Deterent System – Cars and trucks optioned with advanced anti-theft systems can help prevent theft and earn discounts up to 10% off your car insurance quote.
  • Discounts for Safe Drivers – Drivers without accidents can pay as much as 50% less for Explorer insurance compared to accident prone drivers.
  • Switch and Save Discount – A few companies give discounts for switching to them early. Ten percent is about the average savings.
  • Low Mileage – Low mileage vehicles can qualify you for discounted insurance coveragerates on garaged vehicles.

Please keep in mind that most credits do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like comp or med pay. So when the math indicates having all the discounts means you get insurance for free, it’s just not the way it works.

Some companies that have some of the discounts shown above possibly include:

Before buying, ask each company the best way to save money. Some discounts may not be available in your area. To find insurance coverage companies with the best discounts, click this link.

It’s not one size fits all

When it comes to choosing the right insurance coverage for your vehicles, there is no perfect coverage plan. Every situation is different.

These are some specific questions might help in determining whether or not you could use an agent’s help.

  • Do I need replacement cost coverage?
  • Can I make deliveries for my home business?
  • Where can I get insurance after a DUI in my state?
  • Why am I required to buy liability insurance?
  • What exactly is covered by my policy?
  • Does having multiple vehicles earn me a discount?
  • Why does it cost so much to insure a teen driver?
  • How much liability do I need to cover my assets?
  • How much liability coverage do I need in my state?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and can help protect your family.

Auto insurance coverages

Understanding the coverages of insurance helps when choosing which coverages you need for your vehicles. Insurance terms can be confusing and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your 2015 Ford Explorer.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Liability coverage – This will cover damage that occurs to other’s property or people in an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values 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 a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things like court costs, medical services and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Medical expense insurance – Medical payments and Personal Injury Protection insurance reimburse you for bills like doctor visits, funeral costs, dental work, ambulance fees and hospital visits. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like rock chips in glass, hitting a deer, fire damage, hail damage and a broken windshield. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage – Collision insurance covers 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 insurance covers things such as sustaining damage from a pot hole, colliding with another moving vehicle, backing into a parked car, colliding with a tree and hitting a mailbox. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.

Do the work, save more money

Drivers leave their current company for many reasons like denial of a claim, an unsatisfactory settlement offer, delays in paying claims or even high rates after DUI convictions. Regardless of your reason for switching companies, choosing a new company can be pretty painless.

You just read many ways to get a better price on 2015 Ford Explorer insurance. The key concept to understand is the more rate quotes you have, the better your chances of lowering your car insurance rates. Drivers may discover the lowest rates come from a company that doesn’t do a lot of advertising.

Discount 2015 Ford Explorer insurance is attainable on the web as well as from independent agents, and you should compare rates from both in order to have the best price selection to choose from. Some companies may not offer internet price quotes and these regional carriers only sell through local independent agents.

Additional detailed information can be read in the articles below: