Save on 2018 Ford Explorer Car Insurance Rates

Want the cheapest car insurance rates for your Ford Explorer? Are you burned out from being strong-armed to buy car insurance? You have the same problem as many other people.

Numerous insurers battle for your insurance dollar, so it’s not easy to compare every insurance company and get the definite cheapest price

The best way we recommend to compare car insurance company rates is to know the fact car insurance companies pay for the opportunity to quote your coverage. To start a quote, the only thing you need to do is spend a couple of minutes providing details such as whether the vehicles are used for commuting, whether your vehicle is owned or leased, if you have a valid license, and marital status. Those rating factors gets sent immediately to all major companies and you will get price comparisons instantly to find the best rate.

To find the cheapest 2018 Ford Explorer insurance rates, click here then complete the form.

Do you qualify for discount car insurance?

Buying car insurance is not cheap, but discounts can save money and there are some available to cut the cost considerably. Many discounts should be triggered at quote time, but some discounts are required to be specially asked for before you will receive the discount.

  • Smart Student Discounts – Getting good grades may save as much as 25% on a insurance quote. Most companies allow this discount up to age 25.
  • Anti-theft Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems can help prevent theft and earn discounts up to 10% off your insurance quote.
  • College Student – Kids who are attending college and do not take a car to college could qualify for this discount.
  • Safety Restraint Discount – Drivers who require all occupants to use a seat belt could save 15% on the medical payments or PIP coverage costs.
  • First Accident Forgiveness – Not necessarily a discount, but some companies like Liberty Mutual and Geico will forgive one accident before your rates go up if your claims history is clear for a particular time prior to the accident.
  • Mature Driver Discount – Older drivers can possibly qualify for lower premium rates for Explorer coverage.
  • Active Military Service – Being deployed in the military may qualify for rate reductions.
  • Safety Course Discount – Taking a driver safety course can save you 5% or more and also improve your driving technique.
  • Accident Free – Drivers who don’t have accidents are rewarded with significantly better rates on insurance quote in comparison with policyholders that have many claims.
  • Paperwork-free – Many larger companies will provide an incentive for buying your policy on the web.

As a footnote on discounts, some credits don’t apply to the entire cost. The majority will only reduce individual premiums such as liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

To find car insurance companies that have a full spectrum of discounts, click here to view.

Learn how to lower your insurance prices

Many things are used when pricing auto insurance. Some are obvious like your driving record, but some are more obscure like where you live and annual miles driven.The best way to find cheaper insurance coverage is to take a look at some of the elements that come into play when calculating your premiums. When consumers understand what determines premiums, this helps enable you to make changes that may reward you with lower rates.

The items below are some of the major factors insurance coverage companies consider when setting your rate level.

  • Annual miles is a factor – Driving a lot of miles each year the more you’ll pay to insure your vehicle. A lot of insurance companies rate vehicles based upon how the vehicle is primarily used. Cars that are left in the garage can be on a lower rate level than cars that get driven a lot. A policy that improperly rates your Explorer is just wasting money. It’s a smart idea to ensure your insurance coverage policy is showing how each vehicle is driven, because it can save money.
  • Do you really need the incidental coverages? – There are a ton of extra bells and whistles that sound like a good idea at the time if you don’t pay attention. Coverages for coverage for rental cars, towing, and extra life insurance coverage are some examples. The coverages may be enticing at first, but if they’re wasting money eliminate them to save money.
  • Never have insurance coverage policy lapses – Going without insurance is a guaranteed way to trigger a rate increase. And not only will your rates increase, being ticketed for driving with no insurance will get you a license revocation or jail time.
  • Premiums are high for teenagers – Inexperience drivers are statistically shown to be more careless when at the wheel of a vehicle so they pay higher insurance coverage rates. If you’ve ever had to add a youthful driver to your policy can really hurt. Older, more experienced drivers are more cautious drivers, are lower risk to insure and tend to be get fewer driving tickets.

What insurance coverages do I need?

When buying the best auto insurance coverage, there really is not a “best” method to buy coverage. Everyone’s needs are different so this has to be addressed. For instance, these questions can aid in determining whether or not you could use an agent’s help.

  • Does having multiple vehicles earn me a discount?
  • When would I need rental car insurance?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I getting all the discounts available?
  • What is covered by UM/UIM coverage?
  • Do I need an umbrella policy?
  • Does my insurance cover damage caused when ticketed for reckless driving?

If you can’t answer these questions, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of auto insurance companies in your area.

Is there deception in advertising?

Insurance companies such as Progressive, Geico, Allstate and State Farm constantly bombard you with ads on TV and radio. They all seem to make an identical promise of big savings if you get a free insurance quote and switch to them. How is it plausible that every one can lower your premium rates? It’s all in the words they use.

Insurance companies can use profiling for the type of customer that will most likely be profitable. One example of a preferred risk could possibly be between 30 and 50, has no driving citations, and drives less than 10,000 miles a year. Any driver who fits those characteristics will get low rates and will probably save when switching.

Consumers who are not a match for the ideal profile may receive a higher premium and this can result in the customer not buying. The wording the ads use say “customers that switch” not “everyone who quotes” save that much. This is how companies can truthfully state the savings.

This really illustrates why you should get as many free insurance quotes as possible. It’s just too difficult to predict which company will have the lowest car insurance rates for your situation.

Specific coverage details

Having a good grasp of a insurance policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring. These are the usual coverages available from insurance companies.

Comprehensive or Other Than Collision – Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like fire damage, a broken windshield and damage from flooding. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM Coverage – This coverage gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these coverages do not exceed the liability coverage limits.

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from a collision 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 can pay for things like hitting a parking meter, crashing into a ditch and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Liability – This protects you from damages or injuries you inflict on people or other property. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for things such as pain and suffering, repair costs for stationary objects, repair bills for other people’s vehicles and bail bonds. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Medical costs insurance – Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like dental work, pain medications and nursing services. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

In conclusion

Throughout this article, we presented many ways to compare 2018 Ford Explorer insurance rates online. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the biggest savings come from a small local company. They can often insure niche markets at a lower cost than the large multi-state companies such as State Farm and Allstate.

The cheapest 2018 Ford Explorer insurance is definitely available from both online companies as well as from independent agents, and you should be comparing both in order to have the best chance of saving money. A few companies may not have online price quotes and these smaller providers sell through independent insurance agencies.

When you buy insurance online, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many cases where someone sacrificed liability limits or collision coverage only to find out that it was a big error on their part. Your strategy should be to buy a smart amount of coverage for the lowest cost, but do not sacrifice coverage to save money.

To learn more, feel free to browse the articles below: