Feel like you have an overpriced insurance policy? Don’t feel bad because there are a lot of people just like you who feel imprisoned by their insurance policy. With consumers having so many online and local companies to choose from, it can be impossible to pick a lower cost insurance company.
It’s a great practice to shop coverage around at least once a year because rates are rarely the same from one policy term to another. If you had the lowest premium rates on Explorer insurance a couple years back there may be better deals available now. Ignore everything you know about insurance because you’re about to find out the fastest and easiest way to find the best coverage while lowering your premiums.
There are several ways you can shop for car insurance but one way is easier and takes less work. You can spend countless hours discussing policy coverages with agents in your area, or you could save time and use online quoting to quickly compare rates.
Most major companies belong to an insurance system where insurance shoppers send in one quote, and every company then gives them pricing based on that data. This prevents consumers from doing form submissions to every company.
To participate in this free quote system, click here to start a free quote.
The one disadvantage to doing it this way is buyers cannot specifically choose which providers you will receive quotes from. If you would rather choose from a list of companies to request quotes from, we have a listing of low cost car insurance companies in your area. View list of insurance companies.
The method you choose is up to you, but do your best to use equivalent information on every quote you get. If your comparisons have higher or lower deductibles it will be very difficult to determine which rate is truly the best.
When it comes to buying coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is a little different so your insurance should reflect that For example, these questions can aid in determining if your insurance needs will benefit from professional help.
If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.
Understanding the coverages of insurance can be of help when determining the best coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and reading a policy is terribly boring. Below you’ll find the normal coverages found on most insurance policies.
Comprehensive insurance
Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things like a tree branch falling on your vehicle, hail damage, rock chips in glass and damage from flooding. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Collision protection
Collision coverage covers damage to your Explorer 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 coverage protects against claims like backing into a parked car, rolling your car, hitting a mailbox and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.
Coverage for uninsured or underinsured drivers
This provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as damage to your Ford Explorer.
Due to the fact that 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. Frequently these coverages are set the same as your liablity limits.
Liability auto insurance
This can cover injuries or damage you cause to other’s property or people. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.
Liability coverage protects against claims such as medical expenses, loss of income, emergency aid, medical services and pain and suffering. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.
Coverage for medical expenses
Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like funeral costs, pain medications, rehabilitation expenses, dental work and hospital visits. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible